2017: The New and Recycled Goals



Hello, world! As I promise on my previous entry, I will share it here my new goals this 2017. If you notice I retain some goals that I have back in 2016 because I want to accomplish them this year. I'm aiming to cross out all of them! So here we go:


  1. 1. Save at least 6x my monthly salary before the year 2016 2017 ends.

  2. 2. Open another savings account either on BPI, BDO or Metrobank for my emergency fund

  3. 3. Buy a fridge

  4. 4. Buy flat screen T.V.

  5. 5. Visit my immediate family in Cebu and vacationing for a week or two.

  6. 6. Have an investment in PH stock market amounting 50K

  7. 7. Reduce my weight to 110 lbs. My current weight right now is 120 lbs.

  8. 8. Travel around the Philippines. My goal is to travel at least 5 different local places here.

  9. 9. Paint our house

  10. 10. Get an insurance from either from Manulife or Sunlife. Reading financial blogs
    I now fully understand the need for this one on my life.

  11. 11. Have my own mini-business

  12. 12. Learn how to swim.


I'm hoping I can accomplish all of it before this year ends! Happy weekday guys.

Photo Credits: Canva.com


2016 Goals: Quick Recap on Things that I Accomplished!


One of the things that I like about changing year is we all have 365 days or 52 weeks of chances on fulfilling our dreams. Before I proceed on my 2017 goal this year which I plan to write soon, here's an instant overview of my short term goals back in 2016.

1. Renovate our humble home.

-I thought this goal may not be pushed through but I thank God that it happened! If you would like to read the stories about our house renovation you can view the entry here and here.

2. Have first aid kit at home in case of emergency (thermometer & nebuliser)

-Finally, I've completed this one. Our first aid kit at home is consist of blood pressure monitoring (for my mama and papa), a nebuliser for mama because she has asthma and other necessities such as pain reliever tablets, antacids, pain killer oils and etc.

3. Save at least 6x my monthly salary before the year 2016 ends.
4. Open another savings account for my emergency fund
5. Buy a fridge

6. Look for a new job either in Makati or BGC

-No, I don't quit my job. I guess I realised I love my work that's why I stop looking for new opportunities plus got promoted too from junior to senior level.

7. Visit my immediate family in Cebu and vacationing for a week or two.

8. Sign-up for Google Adsense for my blog

-I created an account on Google Adsense so that I can earn extra income for ads but after a month they suspended my account. Until now I don't have a clear idea why it happened but anyhow I sign-up on Infolinks that's why you guys are seeing pop-up ads and images on this blog.

9. Learn how to do program in PHP language.
10. Have an investment in PH stock market amounting 50K

11. Buy blue chip companies for long term goal investment

-Bought one blue chip company and I plan on buying more! I need to focus on saving more this year. I plan to have more raket para madaming moolah for this one. Haha.

12. Pamper myself once in a while

-2016 is the year I don't scrimp on myself. I availed 12+ facial sessions because my pimples keep appearing left and right on my cheeks and up to my forehead. Nakakaloka mga mars! So I frequent a derma salon to let them prick my galit na galit na pimples. LOL. I see my face has improved and my office-mates notice it also.

13. Burn some fats! I want to weigh 105 lbs. again. FYI, my current weight right now is 113.5 lbs. So good luck to me! Haha.

15. Learn how to do winged eyeliner

-I can now do a decent winged eyeliner. Take note on the term "decent". I am still no expert on doing it but eventually I'll go there. As they say praktis lang ng praktis!

16. Travel to Palawan

I crossed out those goals that I have accomplished during 2016 and I am glad that I did an amazing job! For me, the highlight of my 2016 is our house renovation because it wasn't that easy but we still manage as a family to maximise the small budget that we have. So that's it for now. I'll update soon on this blog for my 2017 goal.

How about you? Do you have goals you successfully accomplish last year? Share it in the comment section below.


Photo Credits: Canva.com

Happy Holidays 2016 - Ho, ho, ho!


Hello, world! Two more days to go and it's Christmas? Are you already on a holiday vacation mode right now or are you busy doing a last minute Christmas shopping? Anyhow, I hope you're not stressed out commuting this holiday season. You know the traffic in the Metro is horrendous to the nth level!

Is it just me or someone else also like the glittering of Christmas lights lining up on the streets at night. It reminds me of something good will come my way and don't be negatron and grumpy sitting there in the van while stuck in the traffic. Haha. The announcement of the PH government about the long weekend, this holiday season is the best news so far! Panalo talaga 'to.

For my few readers and new visitor of my blog, Merry Christmas! I wish you and your family's good health. Let's not forget to share our blessing with others.



Photo Credits: 
Pixabay (Daria-Yakovleva)
Canva

September & October Life Updates: Upwork Deactivation, Stocks & Birthday Plans!


Hi, everyone! It's been a month since you haven't heard about me. Gosh, I missed blogging! I took time off because of my freelance job took more of my schedule. But now I am back and will be more active here (hopefully).

I have so many stories to share with you guys let's start off with my stupid action that I did on Upwork. This is sad news because my account has been deactivated permanently on the website. Here's the story: 

I message one of my clients to work outside of Upwork; little did I know that our conversations are filtered by the web admin. I received a notification that I got banned because I violate their "terms and conditions". I have panic attack when I read their email because I haven't cashed out my money there.

I am really scared that I will no longer transfer the funds to my local bank account. I thought all of my hard works and sleepless nights will put to wastes. Luckily, I can still access my profile and I wasted no time cashing out the money. A sigh of relief is what I felt when I see the money from Upwork reflected on my bank account. No more freelance job for me now, therefore, more time to blog! Haha.

I plan to use the money that I got to buy color paints. Do you remember my house renovation stories which I shared on houserenovation update 1 and house renovation update 2? It is not completed yet because I run out funds but now I have the budget to do it. So yeah, I'm still thankful after a series of unfortunate events from Upwork. 

Anyhow, one of my friends told me to try Freelancer.com. I signed up an account but I'm not that active on looking for side line right now because I got exhausted juggling 3 clients last month. I plan to rest for now and focus on my full time job.

If you're an avid reader of my blog, October is special month to me because I will be celebrating my birthday. Aside from using the funds on beautifying our house, I will also treat myself by buying new shoes, bags or perhaps make-ups that are still amenable to my budget. I will be turning 17th years old guys!!! LOL. Okay, I'm just joking. I'm 17 years old 10 years ago. Just do the math and you'll get my current age but shhhhh it's our secret.

With my updates on my stocks, to be honest, I haven't put attention to it these past few months but I'm surprised that I earned a cash dividend when I logged in into my COL account today. 

Overall, there is more good news than bad news that happened to my life while I'm away here. What about you? What happened to your life during the month of September and this month in terms of work, budget or whatnot? Share your stories at the comment box below. I want to read them! 

Photo Credits:
Pixabay.com: https://pixabay.com/en/woman-girl-people-female-hand-792162/
Canva.com



August 2016 Life Lately: House Update, PH Stocks & Personal Life

Hey, all! I finally have the time to write an update to my blog. Yahoo! To my few readers, thank you for still keeping in touch with me.
Our house renovation is 90% complete while the remaining 10% is put on hold because I hit my budget constraint and I can't afford yet to buy paint materials. I’m planning to push through the incomplete task by November. The bad news is I use all the money on my emergency fund.  Boo. So yeah I'm starting again on building my saving/emergency fund. But I am not complaining because seeing our home before and after the renovation is a big accomplishment for me. I can now say that one of my goals is turning into a reality, one step at a time. Naks! You can read my previous post where I share about our house renovation dilemma here. 
Before the house renovation


After the renovation
About my stocks, I sold some during the first week of August 2016 (Ghost month) and earn a little from it. The funny thing is when I sold my stocks the price went high that I totally regret selling them but as they say an investor should be unemotional and move on once his/her stocks are sold. A gain is a gain! If you are curious how much I received, it is way higher compared to the interest that I get from the bank. If I have readers who are thinking to invest on stock market I recommend start now! But be reminded that you should never put all your savings on the stock market, instead set aside a portion of your money for emergencies.
Currently I have two stocks which are red right now. I'm  hoping it will turn green next month.
Aside from my full-time job, I’m also freelancing on Upwork. I am lucky I bagged a long term project from one client in Texas. So yeah, I have deal with my time management now since I have extra job to do at home. So many works so little time. Sigh. Sus, ako na busy! Charot. My budget plan is the same as before, I still in charge of making financial arrangements at home. I find it relaxing whenever I do grocery shopping. Well except when it’s time to pay the bills at the counter! Haha.

What about you? How's your August month so far? Share your stories in the comment box below. I hope it is more interesting than mine!

Photo Credit:
Canva.com
Pixabay.com
COL Financial

Life Lately: Job Promotion, House Renovation & PH Stocks!



Hello there! Yes, I'm alive. It's been two months since my last update here on my blog due to circumstance beyond my control. Don't worry it's all good news that happened to me while I'm away.

First, is I got promoted at work to a senior position! I'm very surprised about what happened because I’m not expecting it at all. Thank you, Lord! This is a very big boost in my career. I’m currently supervising two junior employees and giving them daily tasks that they need to complete within the day. I'll be honest that I’m still grasping on my leadership skill but on the other hand I'm enjoying my new role as a senior specialist.

Another good news is, we are now renovating our house! I think the Lord answered my prayers thru job promotion for me to have an extra budget. It came just in time, I plan to put the additional salary increment on upgrading our house. It started last May 16 and we’re halfway through it. Our place is really messy right now and disorganizes furniture is  everywhere.

Dust is everywhere due to cement, hollow blocks and dismantled walls. See picture below:
Excuse my feet. Dusty floor and unorganized furniture
Hopefully by the second week of June our house is completely done. I’m crossing my fingers for this one. Furthermore, I’m also praying that the allotted budget is enough to cover the expenses though I already applied for SSS salary loan so that we can also replace our old ceiling with a newer one. In preparation for the rainy season and typhoons.

One last thing, the best news so far was my youngest sibling graduated from college last April 2016! As her big sister, I am very proud of her accomplishment. My parents are beyond happy too!

Anyhow about my stock portfolio, it is still in the sea of red but there were two stocks that are green. I’m wishing that the Philippine economy will become bullish for the succeeding months to come so that I have a higher return on investment. Naks! Fumi’feeling investor ako. Hehe.

So yeah, that’s the reason behind my long absence here on my blog. Hopefully, you still visiting my page even if I am not active here. How about you? What keeps you busy this month? Share your stories in the comment section below. I want to read them.

Photo Credits:
COL Financial,
Pixabay - https://pixabay.com/en/users/Alexas_Fotos-686414/
Canva.com


Pisobilities: 10 Financial Commandments


Hello, my dear readers! I hope you're all doing well and financially stable this first quarter of 2016. I apologize for my long absence here in my blog because I'm hella busy doing office works, job-hunting, and budgeting. To sum it out I'm going nuts but let's not talk about it right now. Hehe.

Anyhow, I want to share with you 10 financial commandments that I learned from Pisobilities; it is a financial show I frequently watch here in the Philippines thru UNTV channel. I am an avid viewer of the show and the main host Mr. Francisco Colayco shares awesome tips that I try to exercise in my money woes. I hope reading below 10 lists will inspire you to be financially free from expenses and start building your emergency fund.

1. Pay yourself first - save, save and save!

2. Define your financial target at each life phase:

-Start-up stage: 3 months cash reserve
-Build-up stage: 6 months cash reserve
-Asset Allocation stage: 5 years of cash reserve


3. Stop spending on things that will decline in value

4. Protect your greatest income generating asset (YOU),  seek for protection like insurance: term life insurance and hospital insurance

5. Grow with the economy and beat inflation

6. Trust the power of compound interest

7. Assess risks and options:

Remember: The higher the return, the higher the risk!

8. The power of leverage

9. Invest and diversify

10. Make use of the power of one:

-Mutual funds
-UITF's
-VUL


I hope you learn something after reading this entry and inspire you to start saving now! Do you have any financial show that you watch right now or do you have any financial guru that you follow? Share it in the comment section below.