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Saturday, December 3, 2016

Productive Saturday

Hi,

My weekends usually was doing chores at home every Saturday and doing a community service at Single's for Christ every Sunday.

Today (Saturday) I woke up around 10 am. This is my everyday wake up time, I am guilty of not being able to wake up very early except Sunday which is I woke up around 6 am.

My first chore that I did today was cleaning the living area. What I usually do is remove the dust of the appliances and other souvenirs plus cleaning the floor. But today was different, I saw that our divider display was very dirty already and need a thorough cleaning and arrangement.

This is the result of the cleaning I did. See below:



We are watching TV Patrol of ABS-CBN when I took this photo, hehe. You will notice that my computer desk is beside it, I am planning to buy a new desk soon if I have more funds, actually I regret not able to buy it when I received my 13th month pay. But enough of regret, I don't want to think about it anymore because it will make me sad :(

After cleaning the living room, I did wash my clothes. For the past 4 weeks I see to it that I wash my clothes every Saturday. Before, I am washing my clothes every 2 weeks and I realized that it made me more tired after doing it. For that 2 weeks more clothes should be washed so i decrease it to 1 week only, less clothes and less tiredness.

I am planning to watch a movie later in the evening :) How about you? How did your Saturday go?

Thanks and Be Blessed!

Cheers,



Friday, December 2, 2016

To Do List

Hi,

I've been wanting to write a to do list a long time ago but laziness strike me always but now I am doing it. Today December 2, 2016 I created my first to do list.

I write my first To Do List it in a 1/4 index card, I have 1 bundle of index card that I bought before and I thought I could use it. Recently that I have a relax time at work during weekdays I realized that I am wasting my time on other things that does not add a value like reading FB Posts and watching movies.

Here is a sample to do list I make today:

Date: December 2, 2016

"TO DO LIST"

1. Market MMI Events (Work)

2. Market Life & Wealth Mastery Events (Work)

3. Send 5 Applications to Onlinejobs.ph

4. Advance Reading of K-12 Science

5. Write a Blog Post 

6. Send a Work Report

7. Miscellaneous Stuff (Read Bible, Meditate, etc.)

I discover that it's better that I will write it instead of just putting it in my head because I do forgot to do it at the end of the day. I am very forgetful like especially if I go out and my mom will let me buy some stuff, I do always forgot about it. So what she will do is text me a message while I am out so I could remember. Sometimes also I forgot my cellphone, wallet, umbrella or anything when I go out, I am only 28 years old but my brain functionality I think is 40's, lol! Hehe. 

I forgot important dates also like Birthday and Anniversaries. What I am doing to lessen these is to write it on paper or anything so I would not forget.

Cheers,



Thursday, December 1, 2016

Budget and Expenses Tracking

Hi,

I have this red notebook that looks like a wallet when you take a first glance at it but it is actually a notebook, hehe.



I bought this notebook at a department store, it cost about 140 pesos, I am not sure of this because I can't anymore remember the price. This notebook was intended to track all of my expenses and write my monthly budget.


My Monthly Budget


Expenses Tracking

I tried the excel and a budget and expenses app before but it was not a success. Even though I am in front of my computer always for work I still forgot to track it using an excel. On the other hand, a budget and expenses app does not work also. So I decided to buy this notebook and until now I am still using it, this is a success.

On my budget list, I mark check on the amount I spent for me to track if it has been paid or not. On the expenses I sometimes forget it :( , it's just that I am comfortable doing the budget than tracking my expenses. I am planning to buy a bigger notebook next year for me to track my expenses. This notebook is not that big so I just list my budget on that.

Just this early evening my Financial Advisor Vanz Go from AXA message me on Facebook an excel file that tracks my budget and expenses. She made it on her own and it was really good. I will try that this month and see if it work for me. 

How about you? What are you using to track your budget and expenses? Just leave a comment :)

Cheers,




Wednesday, November 30, 2016

Being IMPATIENT

Hi,

I want to apologized about my previous post because I have nag about an issue that I realize I should not be. I am the kind of person who rarely got angry or nag because I want to keep my peace within my heart and mind especially now that I am still on the healing process of my break up. As much as possible I want to have peace within myself and let myself heal 100%. I don't want to talk more about it, so let me point out about what this post is about.

I have started working online after I graduated from College, it was year 2009. At that year, working online is not yet a norm, I mean not everybody knows about it, that they can work in the internet. But my schoolmate named Xandra (she is now in Australia working, I am happy for her) she told me to try to apply at her work and see if I will like it. So I applied and luckily I got hired by her boss named Jeff. After that I was able to worked for about a months and then I resigned because I will be taking up my Teacher's Licensure Examination on September 2009 and I need to go through a months before that for a review. Thank God I passed the licensure exam but I proceeded still at home to apply working online and I got hired to worked from home at the same time I applied for a public and private schools for me to start teaching also. I got hired for a few months contract in a public school and at night I am working online. So for that span of 6 years I am teaching but not full time and still my online work is ongoing since I am doing it flex meaning I own my time, it is up to me of what time will I work. Because of that I realized I like the job I am doing instead of me teaching. I discontinued my teaching career and focus on my online work. Some of my friends has a negative comments about it because working online is not a stable job and teaching is. I didn't listen to them because I love what I do and of course financially I can provide for my families needs even though I am not teaching.

Here goes year 2016, at the start of the year it was all good but at the middle of the year, problem arises. I have two full time boss, one from Canada and one from Los Angeles and they are both very kind to me and treat me as a family already instead of an employee. I am always thankful to God for them. But my boss from Los Angeles became very ill and he cannot anymore continue his business because of his situation and just decided to have a day job, so all of his employee has been passed to other employers, it was really sad actually, the employers that he passed us on does not succeeded so it turned out that my work is for my boss now only from Canada. It was all good but my boss from Canada unexpectedly got a problem on his business until now :( it was very down and my salary will be cut down by next year. Tasks has been very low everyday now and I have anymore nothing to do but to market the events but the task only took me 2-3 hours to finished. So being IMPATIENT attitude strikes me always now. I am used to work very hard and the relaxed time I am having now which I am always sleep and just watch movies online bores me a lot. I wanted to do more and earn more but it seems that work now is very less :( I tried many times already to apply to different jobs online but it was not a success, just last week my former boss from Los Angeles referred me to a new employer and we did an interview last Friday but until now there was no tasks yet given to me. It's just that I want to work hard again, I mean hard, lots of tasks to do each day.

I don't really know what is this scenario I am going through, if what really God is trying to let me understand about my situation now. I cannot  grasps what it is, I believed that there is always a reason for every situation we are in, but kinda I don't understand it. It just makes me sad actually but I am still keeping my faith and trust to God that in His time I will fully understand His will for me.
This verse from the bible is what I am keeping my strength now to fully trust the Lord in my life.
Proverbs 16:9 "We can make our plans, but the Lord determines our steps."

Thank You and talk to you all soon.

P.S I think I will be updating this blog everyday since my life is not busy recently :)

Cheers,



Tuesday, November 29, 2016

Blessings PLUS Lesson PLUS NAGGING

Hi,

It’s been a while since my last post about my life update and this is the 2nd one after that. It’s just that I feel annoyed today and other stuff I am thinking. Let me start with this.

The past few months was a very relaxed month for me, relax for me means that my job was currently not in a good situation and my boss has a very few task each day for me to do. So it’s kinda frustrating instead of enjoying because for the past 6 years of working online I used to do so many tasks every day. My boss told me the reason behind this, it’s because his business is very down already and he’s finances is really tight right now. He ask me a favor to cut down my pay so he can longer pay me even if tasks are low and asking me also if I can save more on my pay, and I said yes to it since I am used to live within below my means. Last month, November he surprisingly sent me my 13th month pay, I did not expect that because he said that the business is down but my kindhearted boss still sent me the full amount. I really cried when I received that, it’s just that it is a blessing in disguise. When the money is on my bank account, I took 10k and put it to my emergency fund and spend the remaining 5k to pay off my debt. I should not supposed to take out that 10k because I am thinking if what will happen if my boss can finally decide not to pay me, that 10k will be my emergency fund just in case.

After that blessing, another one came, I was hired as a part time virtual assistant to a new employer but I am hoping this week he will let me start the work he will be giving me. I am thankful to God that the employer is kind also and hope to work with him very soon.

Then last week my first life insurance policy from AXA came, my financial advisor says it was a 2 years in the making, hehe. Because we had a talk about it 2 years ago, at that time I am still not sure if I have to buy a life insurance because I am contented for the things that I have that time, I have my Mutual Fund with FAMI, SSS, PhilHealth, St. Peter Life Plan and some emergency fund, so I said to her that I don’t need a life insurance yet. Then month of September we met again and talk again about it, this time around when I talk to her it’s kinda like I am interested already, we talked more about it and finally I decided to buy. This month I finally got my policy from AXA.

All was good actually after these blessings but this month November 23, 2016 my friend posted on Facebook that her dog was shot with a gun by their neighbor. Most of my friends commented an angry comments about it and myself took immediately into action to help her. I help her carry the dog to the veterinarian clinic and pay all the expenses without unknowingly putting into mind that I am already slashing the 10k amount I put for my emergency fund L yup, my 13th month pay was lost. I don’t want to really nag about this since I sincerely wanted to help the dog and my friend, it’s just that when I think about it, the help I gave was already too much. I didn’t anymore think what will happen to me and to my family since I am providing for all their needs if my income will be lost, that emergency fund is the fund I am depending on if ever there will be emergencies that come my way. This is a great lesson for me when in terms of finances or money. It is ok to help but helping too much is not good especially if it concerns your own welfare. Right now, my friend called me that she cannot get the dog because the vet clinic is asking for a payment again for them to release the dog, eh I don’t have any more money to help her, I said to her that I don’t have any more money and instead she can asks my other friends to lend her money. Am I a bad person for nagging about this? It’s just that sometimes my own actions on helping others make me think if I am doing the right way or not. By the way I volunteered to pay all the dog expenses because she said she has no money and she will be delivering soon for their first baby on the 1st or 2nd week of December.

Anyhow, I didn’t tell my mom about this L for sure she will get angry with me.

Please let me know what you think about my nagging part.


Thank You

Cheers,