Hello mommies,

Investing while you are young is the most important thing to do especially now a days that money and finances are very tough to handle and manage.  Everything seems to be expensive and salary is always not enough to make both ends meet.  Living in this expensive and materialistic world is not enough and saving for the future and future family is tougher.  So we have to do so many ways to earn and save.  For most of us employed, we really don't have much because we are just getting a months worth of working, and we have a lot of obligations in our life that we need to face first not minding what is important or setting it aside first because we don't have much.

There are a lot of financial literacy guru all over and all they are preaching is saving.  So the question is what are we going to save if we don't have much? And how are we going to save?  As a newbie to this saving saga, I've read and stumble so many articles, discussions, blogs and forums and I found out about this PAG IBIG MP2 program by the Philippine Government.  It helps someone save and earn for their retirement.  And the minimum worth of contribution is Php 500.00 and the maximum is up to the member,  Mind you people we cannot withdraw..  I repeat, we cannot withdraw our money for 5 years.  We can add but we can't deduct.  The money will incur interest overtime and that's how you earn.  After 5 years and you don't need the money you can extend for as long as you like.  Being an active member of MP1 is prerequisite.

The Pros:  Bigger savings bigger interest
                    No tax

The Cons:  There is no passbook/online account that you can see your status just like online   banking.
                        You have to either go to the office to pay or have it auto debit from your office
                         5 years is quite a long time. 
                         It is not loanable.


For someone who is an existing member please enlighten us.  To Pag-Ibig I hope you'll make extra effort to be transparent to your member and issue a passbook or record book after all it is our hard earned money.

 

Hello mommies

This coming summer I am planning to enrol my not so little girl anymore to swimming lesson because she has a weak lungs, I want her to develop a healthy lungs and stamina too.  I will go to Pasig City Rave Park, I know they are offering swimming class especially to us Pasiguenos yet I don't know the fee.  Las summer I inquired at The Eastside Manor residences I believe their rate is Php4500 for less than 10 days and just 1 -1 half hours per day.  Due to bad finances that time and being frugal I hesitated and did not let her enrol but this time she really have to and we really have to.  She badly need it.

Next come to my mind is her Jollibee summer camp.  She is looking forward to her Jollibee school this 2018.  She attended the 2017 summer camp and she really liked it so much that she remembers it up until now.  It only cost us Php700 .  If I remember it correctly.

Next,  I plan to enrol her to a reading class at  Enopi Eye Level Learning Center at C. Raymundo.  I felt a bit sad that up until today she can't read a word.  She knows how to read the alphabet but she is having a hard time when it comes to words.  I know it has to come in me.  But teaching your child how to read is a difficult task though I read her a story books at night. Sigh

Next, I am dreaming to enrol her in TAEKWONDO.  But these sport entails big expenses.  I did some research on the fees and gears and its a bit stiff on our part.  I'll just continue dreaming and saving so someday I can give her the best life that I want for her.

What about you mommies? Care to share your summer plan for your kids? 

#hellosummer

Hello mommies,

 Last Friday morning me and my colleague had a brief chitchat about our kids.  She has an asthmatic and sensitive child like mine too.  We talked about their school, their activities and their future activities this coming summer.  Then she told me that her child has been cold and cough free for a couple of months now.  I asked her what did she do?  She said she changed her sons vitamins into Poten Cee and Immunomax.  According to her, she noticed that her son had increased his appetite and also his resistance to diseases especially cough and cold that is very  rampant in school age child.  And the season here in the Philippines is not cooperating as well.  These is really a struggle to us mom most especially that our child is in preschool and they are most likely vulnerable to viruses and bacteria.  They will just put everything in their mouth after holding anything and everything.

When my shift ended I hurriedly went to southstar drug store which is located nearby our hospital to buy the said vitamins.  As you all know my daughter is having a bad cough and cold lately.  I immediately gave her the Poten Cee vitamins I bought the chewable variant and I can tell that she liked it a lot.  I told her it is not candy, it is an orange bear that will help her fight the cough and cold in her body. And she is delighted by the idea that some imaginative bear will help her combat the flu inside her.  I am so sorry, I am not a doctor I gave her double dose but I am a desperate mom so I gave her 1 bear in the morning after her breakfast and 1 in the evening after dinner to help her boost up her immune system fast.  It's just 2 days of usage and I can see an improvement in her condition.   And she said that it's yummy and she likes it.  By the way I am proud that my daughter is not a big fan of candies.  And since Poten Cee is very chewy and tasty too she developed fondness of it.  Well according to their product description it has many anti-oxidant or anti bodies that will help our body fight free radicals and aside from that it also contains rosehip extracts and beta-carotene that will make them grow healthy.

By the way mommies there is also a syrup type of these kind a much cheaper one around Php130.00.  But I opt for the gummies because I can tell that my daughter doesn't like to take liquid vitamins.  

I haven't gave her the immunomax yet.  So my review for that product will follow later.

 

What: Poten Cee Vitamin C Gummies

Where to buy: Southstar of any leading drugstore

Price: Php198.75

Recommendation: Highly recommended

What are your children's vitamins? Care to share? 

#vitaminc

#notosickness

Hello mommies,

I was so happy that finally I paid my water bill using this app.  Paying is so easy. You just need money to your wallet.  I deposited Php4000.00 to my wallet so I can pay my bills anytime anywhere as long as there is an internet.  And voila.. Since I am still in testing phase, I only paid the water bills first because its just a small amount and you know what mommies Coins.Ph gave me a cashback of Php5.00  I know that is just a small amount but it is money and imagine if you will pay all your bills through that app then you can save a lot.  Just imagine that.  Your getting a rebate out of your expenses.  We should always keep in mind that saving is believing.

Let's earn and let's save.

#coinsph

Hello mommies,

I am still contemplating whether to migrate my blogger blog to WordPress.  I've found out that you have to migrate to WordPress first before you can actually have your blog hosted.

I want to have my own domain and have my blog hosted for better chance of getting a higher page rank in google search.  The more searchable your blog is the bigger traffic.  And I  want to have a big traffic for me to earn bigger in adsense.  

Blogger for me is really user friendly and the interface is easy to understand.  Aside from that I can tweak it anytime.

#migration

Hello mommies,

Last Monday afternoon while my family is at our family room watching TV I suddenly hear my daughter sniff and I noticed she had a cold.  She is also warm to touch.  I immediately change her clothes and gave her paracetamol syrup tempra.  After  few minutes I was relieved that her fever is gone.  Then at night the temperature rise again.  I placed cool fever in her forehead, gave her paracetamol syrup and gave her a sponge bath.  It's been on and off fever with cold.  I am hoping it is just viral.  I've heard that almost all kids here in our block got the same too.  I am tensed because knowing my daughter, she easily got pneumonia, we are closely monitoring her food and milk intake especially fluids.  I also gave her Vitamin C so whatever it is in her body it will go away. This morning I told myself if the cough will not subside I will take her to the Pediatrician but the cough was minimized and the sneezing was just occasional.  I hope this will pass.  Now, she just have itchy throat. By the way, last night she can't hardly breathe due to clogged nose. I nebulized her with just saline, so the mist can enter her nostrils.  I also sprayed her nose with saline spray.  And she sleep soundly.  I am always praying to God to gave her good health and that she will grow up healthy.  She is just so fragile.

What about you moms?

#viral

#childhoodillness