Sunday, November 30, 2014

November Life Update

Hi Everyone,

Few more minutes to go and December is really here,yeah Christmas month is really here!!!I am super excited what will be December is for me and my family.

The month of November is not a soooo good month for me. I will tell you the details of why it is not.
In my last previous post to this blog, I have wrote about my November 2014 Budget and Plan. My Budget plan was a failure or I mean I failed doing it :( sad it is! no matter how I tried organizing and budgeting it does not succeed every time I do it, I even downloaded an app to my phone to track my expenses each day but it turned out bad, I had used it only for a few days and later on I stop using it. Arggg I don't know why I can't succeed in budgeting. But I am hoping that one day I can succeed doing it, it was really hard but I will really try again.

Despite the unsuccessful budgeting scenario, my November 2014 plan turned out well. Out of 5 plan I listed, I had successfully did the 1, 2 and 3, that plan is listed in my post here. I am happy that out of 5 I was able to do at least 3, I am building up again my emergency fund plus my FAMI-SALEF investment is growing, I mean I was not able to skip even a 1 month of adding an additional investment to it even at least at its minimum of PHP 1k.

Then the plan to enroll again in my Master's class continues for this 2nd semester, I was able to enroll 6 units, 3 units each for its subject. I enrolled 9 units last semester but this time around I cannot anymore manage to enroll 9 units because of my workload online plus the 6 units I enrolled this sem includes the Research Methodology subject which we will already start to write our own thesis, yeah thesis!This time around it is a Master's thesis so I did expect a difficulty on it , it is very different than the Undergraduate Thesis. My class is every Sunday only, I choose every Sunday because Monday to Saturday I am fully loaded with work to do. This afternoon when we had our 2nd class, my mind is full of questions like: Is this problem I choose for this thesis is really what I want? Can i do this? Do i have resources to do it? How will I do it? There are still a lot that is on my mind right now :( But I do hope I can really do it, please pray for me :)

Now, the worst part that I am gonna tell you on this post was the issue that happened to me this month. Well the issue has been settled already last few weeks of this month but still I want to write it here just to burst out what I feel. This is an issue with a guy in the community I am serving for almost 2 years, I had encountered many ups and downs while serving the community I belong but I endure all of those but I don't know that this time around I was really affected. Maybe because I have also some issues on myself that I don't know why until now it still existed. In this blog I have wrote about me being single, and until now I am, it's not that I am too picky, or no one dares to appreciate me but maybe the Lord has a better plan for my love life. I am now 26 years old but I was not able to experience yet being in a serious relationship, the word serious means really serious to me, meaning the guy will not only tell his intentions to me but also to my family, it has not happened so I guess it's not yet the right time. The issue that happened this month was, one member of the community who is a brother/male/guy posted something in our community page that affects me, he is posting it because he pity the guy who I did something wrong daw!That guy whom he said I did something wrong sent a group message to all citing that I did say bad to him when we meet at a mall here in my city. When I read the post and someone told me about that text message, my reaction was WHAT???WHAT IS HE TALKING ABOUT??? :( :( ...I got really mad an instant, yes instant!Why? How I can say something bad to him if I did approach him and offer my hand to shake with his but after that I said I must go now because I have also a friend who is waiting for me. That guy I approach misinterpreted my action. Then the member posted after a week or so onto our FB page about what happened. That is the last stroke that my patience has gone, I didn't even react about the text message and the false judgement about me. But that post is very rude, disappointing, and BIAS! Well this issue has been finished already now and I learned my lesson also. The lesson was, don't react to any bad comments, FB post, or any person who tells you that you did this or not if it is not true! If it is not true then don't ever react, really a lesson learned. We are only human, we commit mistakes and sometimes if other's say something bad about us we instantly react. Social media like FB, Twitter, Instagram has some disadvantages too, anyone can say something bad or good about you so it's up to us if we will entertain those or not. We should all be responsible on each of those social media we are using.

This post is a bit long, hehe but forgive me since I am not always posting on this blog. Till my next post :)

God Bless Everyone!Happy Sunday and Merry Christmas!!!Yehey!!!!


Thursday, October 30, 2014

November 2014 Budget Plus Month Plan


It's October 30st today while I am writing this post. So before October will end I want to write about my budget and plan for November.

Below are my plans and budget for November.

Budget for November 2014

Plans for November

I really crossing my fingers for this budget and plan for November. I will update again about this at the end of the month if I had achieve or successful about this budget and plans.

Till my next post.


Wednesday, October 22, 2014

Financial Status Update As Of October 2014

Hi Everyone,

I really miss writing to this blog, right now I am very confuse on what blog to maintain writing with latest updates about me, this blog or my other blog? Which is which? But right now I decided that I write this update on this blog.

My financial status since January 2014 is not soooo good honestly but I am trying my very best to improve it until now, it's already month of October and only 2 months more to go before year 2014 ends. January until last month August, my expenses every month got bigger and bigger, unexpected expenses or impulse buying occur that I haven't even noticed that it does really had a big impact on my way to a frugal living. Even though expenses got higher I still manage to monthly add to my FAMI-SALEF investment and MSU-IIT Cooperative savings, so even I have lots of expenses I still had something left in case of sudden emergencies or money trouble emergencies.

Last February I had two travels that I did, first was at Dakak Beach Resort at Dapitan Zamboanga del Norte and 2nd was at nearby city of Cagayan de Oro. So these travels of course needs money :) Then last June I go to Dahilayan Adventure Park at Bukidnon, unfortunately we were not able to ride the zipline because it suddenly rain when we get there. Last travel but not the least was our Mindanao Conference at General Santos City, the travel was really worth it, expenses was worth it, hehe. Travelling is one of the things I cannot even regret spending my hard earned money.

Plus I enrolled again with my Masters Degree in Educational Management this first semester that costs me about PHP8000 almost. This is an expense that I personally say an investment for myself, education is one of those things just like travel that I did not even regret doing.

So here is my financial status update below:

1. I got 4k almost in my MSU-IIT Cooperative savings account.
2. 23k almost in my FAMI-SALEF account.
3. EON Unionbank ATM Account - zero (arrgg i don't want to be shy about this, I learned my lesson now, that I should also saved up 10% every payday to this account, fingers is crossed about this)

I am still thankful to God that despite so many responsibilities at work and home, I still have something I can saved up for the future and not go into debt if ever. Plus starting from this day forward, I will limit all my wants and be more concerned on my needs. Wants are clothes and expenses that I did not need. So I hope I can keep with this promise to myself. And by the way because of those clothes, my closet has no empty space anymore to put all those clothes I bought that I don't really need, sigh....

Thanks and till my next post soon!


Sunday, October 12, 2014

Life Update: I Miss You All!!!!

Hi Everyone,

I misssssss youuuuuuu alllllll!!!!It's been 4 months that I was not able to write on this blog :( because of so many things that has happened to me for that couple months that writing on this blog is hard to handle anymore.

I have write on my previous post on this blog that I will write everyday to this blog but hey I failed to do that!Anyways, hey I am back now,hehe. I will now write any thoughts, experiences, and many more on this blog, watch out for more of me :)

See u on my next blog post!yay this is exciting!


Tuesday, June 3, 2014

Dahilayan Forest Park Adventure


I am verryyy tired but very happy today :)

We went to Dahilayan Forest Park at Brgy. Dahilayan, Manolo Fortich Bukidnon this morning at 8:00 am. We arrived at Dahilayan Forest Part at around 12 noon, so it was a long land trip. I had with me my friends Irene, Dave, Diane, Arcelli, and Angel. We had planned this trip last month i think, sorry I can't remember, hehe, it was Diane who suggested to our group to go to Dahilayan and she will take care of the car we can use to go there, it's actually there family car and it was his Brother and Mother who come along also to drive for us, lucky us.

Before we arrived at Dahilayan Forest Park, Diane and Angel was very excited to ride the Zip-line course that is worth about PHP 600 for all rides. And I want to ride also coz I haven't yet tried riding a zip-line before. But very unfortunately the weather does not cooperate with us, when we finish our lunch at one of their finest restaurant inside the park, all of a sudden the rain pours heavily. Urgg :( that was our reaction, coz it would be impossible to take any rides they offer for their tourist during a rain.

Even though we were not able to do that at Dahilayan Forest Park, we were able to have a tour visit at Taekwood Hills. The view was really nice and amazing.

The entrance gate.

The part were the whole city of Cagayan de Oro is overlooking.

Their so called infinity pool.

Then now, some photos we got at Dahilayan Forest Park.

The Entrance..

The pine trees!

Lunch time :)

Even we are not able to have the Zipline course, eh we did take a picture with the hat on our head!lol

That was all it! We had a great time even the weather disappointed us, we will still go back to this place anytime in the future. We will really see to it that we can ride their zipline!haha


Monday, June 2, 2014

Day 2 of Day 30: Home Made Facial + Afternoon Nap + Work


It's Day 2 of Day 30 for this month of June :)

I said on my first post yesterday that I will write a 30 post on this blog for about 1 month, so I hope and making my best to stick to it coz sometimes I do really forgot. My mind is occupied with so many things to do and getting organize on what to do first and second until last during the day is a struggle, I must admit, I am not an organize person. I want to do all things at once so when it comes to time management eh I do really sucks! I admit it is one of my weakness, maybe I should get a planner? I have never been able to have a planner.

Or wishing someone will give me a planner as a birthday gift!haha :) just wishing. Well I have a travel tomorrow to Dahilayan Forest Park but I am now writing this post  before going to sleep, i almost forgot writing this.

Well today I had a pamper self day, when i wake up I made a home made facial. It is an egg white + the egg yolk,  I had a post about it on this blog on how I did it. Plus in the afternoon I got a nap from work, it was quiet long time not to do that since I started my masters, so it was really worth it :)

After that, I had then continue working, still a lot of things to do but hey it can wait!

That's all for my day 2 of day 30.

I will post tomorrow about our trip. May God bless us tomorrow.


Sunday, June 1, 2014

June 2014


It's June 1, 2014 and probably I must say that this is my month!Hehe, well I will be celebrating my birthday this month and it would be on the first week of June. I will not say yet on when it will be, it's a surprise!Haha..

I want to make this month a very special one for me :) Thank God for giving me another month of this year to celebrate my birth. I want to do something this month for this blog, I hope I could dedicate myself to this idea I have in mind.

I want to write on this blog from June 1, 2014 - June 30, 2014, so it would be a everyday post from me. My masters class will start on June 14, 2014. Then probably it will be a busy Saturday and Sunday. At the end of June 30, 2014 I will have a 30 posts completed. Yay! This is exciting!

Keep in tune for my posts starting today until the end of the month :)


Saturday, May 31, 2014

Masters Summer Class End


I miss u!!!!

Yeah it was 1 month and 14 days to be exact that I was not able to post on this blog! And because of my summer class during Thursday to Saturday plus my online work the whole week eh I was not able to write anything. I concentrated on my studies and work and it ended up very well today :) I had completed 9 units of Masters of Education Major in Educational Management for the whole summer amounting to PHP 6-7, 000. The money spent doesn't matter to me when it comes to educating myself, this is one of my investment for myself that anyone can't take away from me. So if you are planning to pursue or take that course you like, then go ahead, take that as an investment for yourself! Education is something we should be proud to have for ourselves.

I haven't yet received or know what are my grades for those 9 units I take but I hope I performed well for those 3 subjects, but I am confident my grades are higher :)

Today I finish enrolling for this first semester of SY 2014-2015. I enrolled 12 units which is 4 subjects of 3 units each. The class is during Saturday and Sunday only because this course is intended for teachers who is working from Monday to Friday, so it would not be possible to have a class during weekdays, only weekend is possible.

Overall, I must say that I had enjoy studying even though during the afternoon I feel very sleepy listening to the reports of my classmates and the teacher, hehe. But it was all worth it and I had learned a lot from it.

I had only two pictures that I can show you about our summer class, I have my friend Irene with me on the 2nd picture.

Selfie pose plus the classroom :)

Me and Irene relaxing during lunch break.

So that was it!A great summer class indeed!


Wednesday, April 16, 2014

Favorite Quotes About Money and Christianity


It was 1 week ago that my Masteral's Degree class started and I must say it is not very easy. Why? Well, since it is already a much higher level than my undergraduate years and it is expected that we already know what we are doing. I got a total of 9 units this summer fro SY 2014-2015 which is equal to 3 subjects. Our class is during Thursday to Saturday at 8:00 am to 5:00 pm. Each subject has a reports to reported in front of the class with the assigned topic that the teacher give. Luckily I have 2 teachers that is considerate and kind :) thank God!

This week we have no class, yehey! Why? Because as Christians we should give this week to our Lord Almighty who was crucified to save us from our sins. This is the time of the year where we should all repent our sins and start living the life that Jesus want us to be. On Holy Thursday which is today I will join the Visita Iglesia, an activity where we will visit 7 churches within the city of Iligan. I am joining this kind of activity every year with my Sister's and Brother's in Singles for Christ.

Now let me show you my favorite quotes about Money and Christianity, the following quotes I grab them from my friend Google :) I will give 10.

So these are my 10 favorite quotes about money and Christianity. How about you? You can share it here and leave it as a comment below :)


Sunday, April 6, 2014

M.A.Ed. Enrollment Plus Singles For Christ Speaker


This month  of April I will be expecting a busier month until the end of May. Why?
I enrolled the Master of Arts in Education Major in Educational Management this summer of 2014. The class will start on April 10, 2014 until month of May. It was already 4 years ago that I was not able to enroll with my masters degree because of my work and I help my two cousins to finish their studies in High School and College first. Last month, the second cousin graduated in 4th year high school so I talk to my mom and said it is now my time to pursue my masters. I graduated with a degree of Bachelor of Secondary Education Major in Physics last April 2009 but after that I only teach for a months and was not able to teach again and concentrated with my full time online work.

I miss teaching but being hired in the Department of Education in my city is very hard. I have given up actually for that last 4 years and until now I am starting to question myself if I really wanted to pursue this teaching career. God has been so good to me despite of not letting me teach, He opened doors for me to pursue it even outside a school premise. A friend talk to me to pursue instead my Masters for me not be stuck up with my 4 years degree, she said it is also a good investment. Studying or our education is a good investment to ourselves and it cannot be steal from us, the knowledge and wisdom will be getting will forever be left in our lives. I was convinced by her and agreed to enroll this summer for SY 2014-2015 last April 2, 2014.

I have enrolled 9 units which is equal to 3 subjects with 3 units each. Per unit is equal to PHP 539.84, not expensive for a 1 unit worth. If you multiply 539.84 times 9 units it is equal only to PHP 4858.56 but as of other schools fees like entrance fee, medical, library ect, you will expect that this is not the amount you will have to pay.

The total assessment now that I will pay for Summer SY 2014-2015 is equal to PHP 6756.43. Luckily, I can have a down payment during the enrollment day of PHP 500 to be enrolled officially. :) I will have still PHP 6256.43 to pay. 

After this enrollment I was then informed by one of our leaders in Singles for Christ to be a speaker of our Christian Life Program Talk 2 with the title What is the CLP? This is now what I told you earlier that even though I am still not teaching in a school premise, God open another door for me to preach His gospel with my brother's and sister's in Christ. See? He really does amaze me always with Her power to make things possible without even knowing that I can still impart the knowledge and wisdom He give me. It was today Sunday April 6, 2014 that I did successfully deliver the talk at 1:00 pm in the afternoon. Unfortunately the picture I will be showing you below is not me :( , he is one of our Tito's who deliver the talk 1 and me will be next after him. I can't find the picture of me doing the talk but hope and will sure next time that the Lord will let me experience this again I will not missed any picture of me on it as a speaker, hehe. See picture below as we undergo the Christian Life Program training. But I am sure that it is my back that was taken only among the listeners,hehe, it was me wearing the blue shirt with the long hair beside Sis Tetet who has the orange shirt.

All of this that has happen during the first week of April was very overwhelming but indeed I am very happy because of this memorable experiences. :) I hope this will not be the last post I will be writing this month of April. My class will start on Thursday plus I have a work to do online and at the same time our CLP will start on Sunday April 13, 2014.

That's it! Have a very blessed summer :)


Monday, March 31, 2014

Frugal Weekend Fellowship at Dodiongan Falls


It's the last day of March 2014 and before it ends I had an awesome weekend fellowship yesterday March 30, 2014 with my brother's and sister's in Christ of SFC-St Michael's Chapter. Why it is a frugal weekend adventure? Let me tell you further :)

Our chapter scheduled this fellowship one month ago and because of so many things to do in work I was not able to attend activities prior to this fellowship. So when I read the post of our Facebook page, I want to be able to join this time, at first I was hesitant but final decision was made a day before when my friend Irene encourage me to join. Why it is called a Chapter Fellowship? This means that all members can be together and spend time with each other in a place where most of us have not been able to go to yet, well it's my first time to go there, it's my 2nd time already but the thought of going there matters most.

At 9:30 or quarter to 10:00 am all of us meet at the meeting place which is at Barinaut, Iligan City. A habal-habal (cebuano term for Motorcycle) will be the mode of transportation going to Digkilaan, Iligan City where Dodiongan Falls is located. You will only pay PHP 30.00 per person, it was about 15-25 minutes from Barinaut, Iligan City. Then a walking phase will have to do after arriving Digkilaan. So you will walk and cross 2 small rivers. It was about 30 minutes that you will walk to arrived at Dodiongan Falls.

By the way, I spent only PHP 70.00 for the food or the lunch we eat there. Why? Well, we summed our money by my 3 sister's Sis Irene and Sis Chay for the total of PHP 210 for the lechon manok or grilled chicken plus the 2 cups of rice each. It was way much better or a frugal way you will buy foods and divide the total with your friends.

Now we finally arrived at Dodiongan Falls. Dodiongan Falls is 20 meter high fall and located at Digkilaan, Iligan City. It was one of numerous waterfall of Iligan City and resembles of a archangel wings that are awaiting to expand. You can also resembles it to a persons back.

Far distance.

Much closer shot.

Me with my sister's in Christ.

One of the river were about to cross.

My partner friend Irene while crossing the river.

All of us crossing the river. It was very hot!Haha..

Now here is the shot with all of my Brother's and Sister's in Christ :)

Ok that was it! It was indeed a very very nice weekend and I am very thankful to God for letting me experience this kind of things while I am still single and passionately serving Him through the SFC community. I have this quote that I want to share to all of you here. Hope you will all keep this in mind :) 

“Delight yourself in the Lord and He shall give you the desires of your heart.” (Psalm 37:4)

So overall money spent was only PHP 130 :) This is only the fare from Barinaut Iligan City, back and forth plus the food.

Till my next post.


Friday, March 28, 2014

Frugal Beauty Tip - Egg Facial Mask


When I wake up in the morning today I suddenly think of pampering myself :) I've been eyeing on this beauty facial mask yet in a frugal way using only one piece of Egg for about a week already when I stumble upon a You Tube Video by Michelle Phan. Yes!An egg! Why? I will explain to you, just keep reading.

Year 2012 was the worst acne experience I had. I was 23 years old at that time when all of these sudden pimples appeared on my face and plus on my back, sad to know right? So I put anything on my face to get rid of it, like Ponds, Garnier, etc brands that you can see on television and internet to get rid of acne but as a result my acne got very worst that I can't even imagine looking at the mirror everyday when I woke up.

Then after so many attempts to get rid of it, I finally decided to see a Dermatologist. The dermatologist then examine my acne and she diagnosed it to be at the Stage 3 already, meaning it is worst. I don't want to put my picture here on this post of my face being in a Stage 3 phase,hehe forgive me ;) She ask me what I am using to wash my face and any products I am putting into it. I said I am washing my face more than 3 times a day thinking that this acne will get away but it didn't. Then I said I put on Ponds Cream, Garnier etc after washing my face. Then she examined also my back and it has acne also that she can see on my face. Arggg very embarrassing but I endure all of it just to make my face and back clear of acne. I am very glad I did go to her for a consultation and prescribed me an antibiotic to take for 1 month and a Cetaphil Gentle Cleanser on washing my face plus a moisturizer and sunblock to put after. And then now, 2 years and 3 months after, my face is not on a Stage 3 phase already, haha, my face has been cleared by acne same as my back but occasionally when I have my menstruation every month some pimples will still appear but I am now treating them very well as what my Dermatologist prescribed. So that was it!My acne story,hehe..let me move on now.

OK, so much of my acne story but glad to tell you about it though :). As what I have mentioned above I did a frugal beauty tip this morning, it was a DIY(Do it Your Own) Egg Facial Mask. I learned this facial mask from Michelle Phan.

Below are the things you need:
1. An Egg (PHP 6.50) very cheap :)
2. 2 Bowls
3. A Brush (this is optional)

These are the steps:
1. Wash your face with a warm water and pat it dry. Don't forget to wash your hands before washing your face.

2. Crack the egg. Separate the egg white from the egg yolk and put it in the bowl. See picture below:

Egg White

Egg Yolk

3. Beat the egg white first until it became frothy. Then spread the egg white using a brush or your hands all over your face in an upward motions but avoid the eyes.

4. Wait for 15-30 minutes. It will harden your face but this is just normal, don't panic ;) 

5. Then wipe your face with a warm cloth or wash it with warm water and pat dry.

6. Beat the egg yolk in the 2nd bowl and evenly spread it all over your face with your hand or the brush. 

7. Wait for 15-30 minutes. Same effect you will feel just like the egg white. Michelle Phan video explain that the egg yolk is a good moisturizer for your face.

8. Wash your face with a cold water to close your pores and pat dry with a towel.

So that was the steps :) very easy to do and very cheap, right? 

But hey, how about the left over egg white and egg yolk? Don't throw it! You still can eat it,hehe. So what I did is I cook it in a small pan. Add some tomatoes plus salt or pepper to taste.

And voila! Here is the finish product!

Let me explain also the benefits of using "Egg Facial Mask".
Egg have a lot of protein that is great for nourishing your body, it is also great for nourishing your skin. It contains an albumin which help to keep the virus in control. Egg whites has an ingredient called lysozyme which act to digest the bacterial cell walls. Egg yolk also is a good moisturizer.

A good facial mask to try, right? Now, the final look! Haha, I put my Cetaphil Moisturizer, a quablock and a spitz of powder :) My skin feel so soft after this facial :)

I would probably do this once a week :) Your choice if you want to do this twice or thrice a week.

Till my next post.