Hello luvies,

As I was browsing through my phone I came across a screenshot that I got from Pesosense.  It's a formula that will help us budget our monthly income and how to save money and alot some for other things that may incur in the future.

Here is the formula:
Income - 20% =  Amount to be spent.

List of Items that needed budget:

Emergency fund

Savings

Housebills

Credit Card

Food

Allowance - Hubbs, Mine and child

College Fund

Medical/Dental

Retirement

Recreation

Personal

Vacation

School Tuition Fee + Service

ETC.

My thoughts: For me it's not that realistic because we have a lot of expenses.  And the expenses is sometimes more than r income that's why I always have a negative balance.  But I realize, I have to save not just for the rainy days but for our retirement.  We are not getting any younger and I have to start in anyway I can.  Even a single centavo count.  And through this we won't have to think too much about the future.  I also needed some part time job or sideline to somehow add up to our income.

                 I'll try to start today.  I will give you an update in a months time.  I will cross fingers.  I hope I have something left for the piggy bank.

What about you??  What kind of formula do you have to save?

#roadtofinancialfreedom

#pesosense

                       A penny saved is a penny earned.

Hello luvies,

Today me and my daughter joined the Annual Trick or Treat program at Mission Hospital Pasig.  Her costume is rainbow dash.  The little pony.   It is her much awaited event.  Every year she never fails to attend the said event.  She is really excited and she always tell me what costume to buy.

 She really had fun.  She got a lot of candies and gain friends too..  At first she got scared but later on she realized it was just costume.

She joined the games and blend in with other kids.  She went almost everywhere to get her treats even if its scary.

Everybody made a lot of effort in putting up the event for the kids.  It's not easy as a mom.  Nakakapagod din maglakad.haha.

Cost of the gown - P600
Where did I buy it - SM Megamall
Pumpkin Cost - P50
Facepaint - free

These are the recycled decors.  I just took a few.  The Operating room decor.

Pulmo Dept. Decor

Pharmacy Department

Info

Cashier

Here are the goodies she got.. Dami no?  Tnx MH family.

Are there any place you can recommend that we can go?  Gusto ko un free lang.  Di na kami nka abot sa Fun Ranch.. So sad.. 

What about you? Where did you go??

#trickortreat

                 It's the Will.  Not the Skill..

hello Luvies,

To work or not to work abroad that is the question I am facing right now.  Amidst facing the challenge of low salary, traffic and workload I am entertaining the thought that I might work abroad and grab the opportunity.  Hence, I don't want to be confined in the dessert (middle east) for 2 years or more due to the very strict culture like Saudi Arabia.  I am often lurking to WORKABROAD to look for an opportunity.  And I came across Nurse in Micronesia which is offered by Romar Agency in Quezon City,  I immediately submit an application,  few days after I received an sms from them inviting me to visit their office.  I am tempted to try but I am also torn since their salary offer is lesser than in the middle east.

Where is Micronesia? - It's near Palau, Saipan and Guam. and maybe Hawaii..

What I am thinking? -is it worth it?  Can I save and send money here in the Philippines?  Would it be enough for me and my family.  Also It is an open country and the tax is not free..  Oh boy..

Perks - The hospital as what I've google  is not that big.  It is just like any other ordinary hospital here in Manila.  Maybe just like the place I am working.  But the location is superb.  The weather is mostly rainy. (Parang pinas lang.)  And as what I've discovered it is also a tropical paradise with a lots of suns and beautiful beaches.  And the place is so laid back,  Though there are amenities and facilities but not as modern.  And the best part is there is a Filipino store and Filipino Community as well.  So boredom is out of the picture.

#workabroad

                 Dreams don't work unless you DO!

Hi Luvies,

Today I discovered One Space. I'ts like upwork. You have to have paypal though before you join the said platform.  All your work will be paid through Paypal.  So don't fret.

I am now exploring on how to earn on these one.  Kailangan rumaket mga te.  magpapasko nah.

Have you tried this?  Feedback please.

Hi luvies,

How are you today?  Have you tried taking Sangobion vitamins?   I started taking Sangobion for a couple of days now and to tell you I don't like the taste.  It tasted like I am taking rust.  It makes me wanna vomit.  Unlike other ferrous sulfate I am taking this is definitely had a nasty taste.  But I think it shows that the iron content of the vitamins is high.  And that's what I need for my iron deficiency because at times I felt so tired and lack of desire on certain things.  And my skin is kinda pale.  SO taking iron supplements is really necessary  especially in my kind of job that requires high stamina due to shifting schedule.

Price: less than 20php

Available: At any drugs store nationwide  

Instruction: 1-2 capsule depending on the doctors recommendation.  I'd prefer taking it with a full stomach to avoid gastric interaction.  I suggest you mix it with a little vitamin C for better absorption.

What I like:  Can be purchase anywhere.  Over the counter.  Easy to swallow and affordable.

What I don't like:  the taste.  It's awful.  I hope they will improve the taste.

Will I repurchase:  I'm not sure.  I might go back to Hemarate FA.

Recommendation:

3/3 Stars.  Because they are claiming it is organic iron.  I don't have constipation or tummy ache.  I am just taking these for a couple of days a week or more and that's it.  I just have to replenish my body with iron to make me healthy and my blood cells as well.  I suggest you talk to your doctor first especially if you have a health condition.  

What about you?  What is your experience?  Please share..

                                                Don't ever doubt your worth.

*** These are based on my observation and effects on me. I purchased this with my own money.  These is not a sponsored post. 

Hello luvies,

Today me and my daughter joined the annual trick or treat program at Mission Hospital.  She really enjoyed the program, the games and of course the treat.  AT first she was afraid but eventually she realized that its just costume and she always say hi and hello to the kids. 

There are a lot of goodies almost every department participated in the event and everybody is so accommodating.

I am still looking for a place who are hosting trick or treat but mostly they have charges.  Oh well, you have to spend if you wanna join but for a frugalista mom  I might think twice.

What about you? Which event did you join? Did you pay?  Let me know.

                     

                                   It's the Will not the Skill...