April 13th, 2014 / No Comments »
The truth is, I could live without watching any of Manny Pacquiao’s matches. I would rather enjoy the traffic free streets of the city (although today was the exception, or so I hear), but when your entire family stays home for the Live show via Pay-Per-View, you stay put.
Oh yes you stay put lest you miss out on this:
Three generations – Grandpa (my Daddy), Amir (aka Beloved Prince), and Vlad (aka brother bear, or Amir’s Daddy). This was before the match started and we were patiently watching the undercard. Or just hanging out. Or singing and dancing to whatever Amir was singing or dancing to.
And then when Pacquiao was finally being introduced to the crowd, Amir had quickly changed into his Manny P shirt, but refused to pose for pictures:
Oh he was playing with us. His dad placed him in front of the TV and he just kept laughing! He then posed with his hand raised showing Number 1, but he was right next to me and I couldn’t get his arm in with the photo.
Though Amir wasn’t watching so much as looking at the TV from time to time, he sure knew how to cheer on with the rest of us – he echoed most every “Oi!,” “Sige pa!” “Go, go, go, Manny!” At the end of the match – he celebrated too. “He’s a winner!”
It was so cute. Haha.
So what I’m trying to say is that, boxing fan or not, I’d still stay home to see the match if it meant bonding time with the family. And I still couldn’t get through a match without thinking of my grandfather who was the certified boxing fan.
April 1st, 2014 / 14 Comments »
Have you ever stayed up late at night with the TV just on, still tuned in to Channel 2 (or 8 on cable) way after the teleseryes, Bandila, and Banana Nights? Then you’re no stranger to O Shopping.
O Shopping is ABS-CBN’s own home TV shopping venture with a Korean brand. I can watch those advertorials all night long, and I must confess, I even tune in to Channel 11 at daytime. Haha!
I haven’t actually ordered anything but I’ve got my eye on a few things. If you’re like me and you’ve been waiting for a reason to finally purchase that shower head, or the Lock N Lock or Glass Lock set, today is O Shopping Day!
What are you going to get?
I am not connected to O Shopping and this isn’t a paid post, nor am I using any paid links. I just heard about the promo and thought it would be nice to share.
March 26th, 2014 / 23 Comments »
After a wonderful Zalora experience last week, here I am sharing yet another online shopping experience. This time, with Lazada.
We have mosquitoes around the house and the boyfriend has been on the lookout for a mosquito solution like the one we used to have – the kind that looks like a lamp but actually fries insects that come into contact with the high-voltage grid. We had a small, cheap version. It was good while it lasted.
I finally found an affordable replacement from a relatively reliable brand – the American Heritage Insect Killer. After gaining approval from the whole household, I ordered it from Lazada on Saturday, 3/22.
I chose Cash on Delivery as my payment method to avoid using a credit card. Having COD is definitely one of the things I like about shopping with Lazada.
The order confirmation said that it may take upto 5 days for the delivery. Much to my surprise though (the happy kind), shipping confirmation was sent to my email on that very afternoon.
Early on Sunday morning, I receive another happy news: the delivery team was on its way. They were at our doorstep within 20 minutes of notification. Talk about efficiency!
This was my second shopping experience with Lazada and I am a satisfied customer. As for the American Heritage Insect Killer, well, the sound of mosquito flying into the trap is a welcome background noise. Check it out on the link, and you can still get 10% off the listed price if you use a MasterCard to pay. Happy Shopping!
March 18th, 2014 / 20 Comments »
No, I did not shop for myself again! I know that I seem like a compulsive buyer but I’m a recovering Shopaholic
This happiness package right here was delivered just a few minutes ago. I haven’t opened it yet because it’s not mine. Yes, I ordered it, and it was delivered to me, but the contents are for one of my TLs. I promised her a gift in exchange for hitting a particular target last month, and it was time to collect. She also ordered another item for herself.
Truth be told, I’m probably just as excited as she is to tear this box open.
It was yet another smooth and hassle-free experience ordering from Zalora.
We ordered very early on Monday morning, and I received this shipping confirmation around midnight last night:
I wasn’t expecting delivery until tomorrow so I was pleasantly surprised to receive the delivery guy’s text message this afternoon that he was 10 minutes away from our place. Sweet!
If you haven’t tried out Zalora shopping yet, now would be a good time. They’ve got the Sunnies by Charlie collection (my favorite), and they’ve got pretty summer dresses of all types and sizes too! Use this code on your first purchase to take off 15%: ZBAPMzr
So whether you’re buying for yourself, or for someone special, consider Zalora for your shopping needs.
March 3rd, 2014 / 19 Comments »
A few weeks ago, we talked about the first step in Personal Finance according to Verabear: Set your financial goals. I hope you’ve listed them down somewhere, if not, take a few minutes and do so, then come back.
Now that we’ve thought about our financial goals – or maybe even our life goals – we’re ready for the next step. Before we even talk about how we get from here to there, we must first determine what the here means.
Let’s take a look at the current situation – how are you doing, financially?
Take this short survey:
- How much do I have in my bank account/s? –
An Emergency Fund is vital for success. The amount or how much this fund needs to be varies from person to person. Think of it as a cushion that will help soften your fall in case of emergency. Let’s say you find yourself cut off from your income source all of a sudden. The emergency fund is what will help you get through your day to day life without resorting to debt.
Like I mentioned, the amount that needs to be in this fund varies, but typically, it’s three to six months’ worth of expenses.
For most of us, our savings account holds the emergency fund. But an accessible savings account makes it easy and tempting to spend that money for things other than emergencies. That brand new LED SMART TV on sale might sound like an emergency, but if you dip your fingers into your EF, then it may not be so smart.
Sadly, that has been the story of my life, and my bank account’s life. I bought my first iPad using money from my Savings account. When I’m short for the month’s expenses, I turn to my handy ATM and take from my Savings. As a result, I have an Emergency Fund that will probably only last a month if I find myself unemployed.
It’s a story I am now changing.
It makes sense to me to have a separate account for the EF, and one for short term saving. Short term saving is for big or small expenses I am saving up for. Depending on how big or small it’s going to be, it may make sense to setup separate bank accounts for each. Right now, I have my EF account, my payroll account (for my daily expenses, and short term savings too), and a Savings account for our Wedding fund.
- How much do I owe? –
Be honest. Your success depends on how honest you can be to yourself.
If you have credit cards, take at a look at your latest statement and list down how much you still owe. I do believe in credit cards being a convenient tool for financial success, but if no one tells us how to use them wisely, they end up becoming a tool that ruins us.
I have three credit cards – way too much. I will soon terminate one of them, but I’ve accumulated a shameful amount of credit card debt. Honestly, I thought that the interest rate for cards were small enough. But if you think about compound interest, and that it grows each month, you realize how important it really is to payoff your credit card bill in full, each month.
I’ll talk more about debts and repayment some other time. For now, let’s focus on inspecting our current situation.
Apart from credit card debt, do you owe anyone anything? I owed my Dad money for my car. I’ve got about 50k left to pay, but he;’s allowed me to put off payments because I now also have to pay for my medical bill from last year’s back operation.
Knowing how much you owe makes it easier to plan on how much money to set aside monthly to pay them off.
- How much do I have in investments? –
Have you invested on anything at all? Do you have a life insurance policy? Do you have property, or a business, anything?
Is this something you’ve thought about a lot? Or are you not interested in making any investments?
Investments can be an additional source of income, or it may be your passport to the future. It’s been said how keeping your money in the bank doesn’t amount to much anymore. All it is, really, is a secure way to keep your money instead of stowing them away under your bed. Investments, in contrast, grow your money. How are you growing your money?
How do you want to grow your money? What’s the best investment instrument for you?
I invest in stocks. I have a life insurance policy. The company I work for pays for my health insurance, and that of my parents’ too. They also took out a group insurance company for all employees.
I was supposed to take out another life insurance policy a few months ago, with a mutual funds counterpart. It fell through so it’s on hold for now.
- What are my sources of income? –
Most of us mortals rely on a salary that we receive fortnightly. How much is my take home pay? We all know by now that 18k on the contract doesn’t really mean 18k in the bank monthly. How much do I get after all government mandated deductions?
If you have a sideline, list it down too. Do you earn from blogging? Do you have an online shop? Do you bake cakes and sell them?
List down all of the ways you make money, and how much you expect to get regularly. List down when too.
- What bills do I pay regularly, when, and how much? –
Make a list of the bills you pay, how much you usually pay, and their due dates.
I pay the following bills regularly:
- Mobile phone
- Home phone
- Three credit cards
How much do those bills amount to? If needed, is there any way to lessen the expense?
- How much do I spend in a day/week/month? –
Unless you already regularly take note of every single expense, you will need time for this exercise. I used to write down all of my spending but I stopped it. When I decided to right some wrongs in my life again last year, I turned the habit back on.
No matter how big or small the expense, record it. You don’t only need to know how much your expenses are, but what you’re spending on.
My biggest expense, after the bills, has been on food. When I did this exercise I controlled my spending so I didn’t buy any clothes or shoes. Since then, I’ve had to account for budget for those things too. In the real world, I am still building a good wardrobe, clothes and shoes for my size cost a lot.
- What are my seasonal expenses? –
These are things you don’t spend on daily or weekly, but you know you spend on it – birthday gifts, Christmas, back to school, car maintenance, etc.
Though I don’t spend on these monthly, I need to factor them into my monthly budget so that money is set aside for the time they are needed.
I did this a few months back and realized how much is the minimum amount I need to go through one month of expenses. If I were to go into my own business, I know how much salary I will need to make in order to make ends meet. Or how much more the boyfriend needs to earn in order to support both of us.
My list may not be comprehensive. Basically, you need a very clear picture of what you have, right here, right now. Only then can you move forward with a solid plan to get to where you want to be.
How are you doing thus far? Let me know how else I can improve on this post, but rest assured another one is coming up soon!