We customized our Black Books as part of startup Qarabao’s recent media launch. As an e-commerce platform made specifically for micro, small, and medium enterprises (MSMEs), Qarabao aims to help entrepreneurs simplify their online businesses—the same way carabaos do the heavy lifting for hardworking farmers everywhere.
In a year, we have several big-ticket expenses that recur monthly or quarterly. Examples of these are rent, utilities like phone, internet and electricity bills, insurance payments, credit card bills, tuition, and the like. Granted our busy lives, it is easy to lose track of several due dates, and more often than not, missing payment deadlines often lead to penalties.
For freelance creatives, time is the most important resource. They are expected to be experts at juggling day jobs, side projects and clients, while at the same time consistently producing quality output and turning them in on time.
For plenty of new adults, managing their finances after graduation and upon entry into the work force is a tough challenge. Without a proper way of monitoring all these items, it is easy to lose track of where each payday’s payout goes, and before we know it, missed credit card deadlines result to additional fees and disconnection notices can stem from forgotten due dates.