Managing your finances can sometimes be challenging. What more if you are not dealing with your personal finances but also your small business? At times like this, it is important to utilize technology to organize your finances.

One great tool that you can take advantage of is the free online accounting software that can help you consolidate finances and accounting services for small business. This can help you save time and effort in manually creating spreadsheets and working on piles of work paper. Data entry will be easier, too!

The good thing about this handy accounting tools is that it is easy to setup and use. It can take your small business to the next level and make your life simpler. Try now for a better online accounting experience!

The quickest way to get rich quick is to get rich slow. Learn from Mr. Francisco J. Colayco himself in the Pera Mo Palaguin Mo Workshop on September 10, 2011.

Time: 1 to 5pm

Venue: Social Development Complex Conference Hall, Ateneo de Manila University, Loyola Heights, Quezon City

Regular Learning Fee: Php 3000

This workshop is ideal for those who are serious about taking control of their personal financial lives. Know where you are right now financially and where you could possibly be 5, 10 or 20 years from now. Be equipped with the skills to make your own Financial Plan to be Wealthy using various tools: Adjusting Your Sails Table, Statement of Assets and Liabilities, Personal Income and Expense Statement and Net Worth Planning. This workshop will also equip you with the right Investing Mindset and an overview of different investment instruments you can consider depending on your particular financial circumstance. Participate in the Colayco Foundation's 100 day challenge which is truly life changing.

The workshop is inclusive a copy of the Pera Palaguin Workbook - your guide to planning your financial life today and in the future. The workbook will assist you in setting feasible financial goals to improve your financial status in the years ahead.

Avail of early bird rates and group discounts by calling 637-3731/41 or 5024590 and look for Victor. Email victor@colaycofoundation.com and visit www.colaycofoundation.com for more information.

Is the recession over? With all the prices of commodities hiking up and our salaries not increasing, managing personal finances become tougher than usual. Even if I am earning online aside from my full-time job, I also have loans that I am paying monthly. But it's just with the Social Security System alone so debt consolidation is not necessary in my case.

Some people contact credit counseling companies to seek help for their debt consolidation needs. This is done to lower the interest rate of existing loans, secure a fixed interest rate and to conveniently sort out existing loans.

Credit counseling organizations can help people manage their finances through financial literacy programs. All of us can have proper spending habits if we are aware of the consequences and promises of being a healthy spender. I am so lucky to have attended the free session of Personal Finance Management here at the office.