I wish money grow on trees.

Hello mga Inays.  Since the year started I kept on thinking and asking myself on how to grow my income.  It is so hard because I am depending on an employment income.  Being employed here in the Philippines receives only the minimum for most people.  As a nurse I can say that my income is not decent enough that is why I am lucky that babyloves is working in a different industry which helps us survive the inflation rate.

Expenses due to bills and school fees get the huge chunk of our combined salary.  We hardly have enough money for savings and emergency.  At this stage it is very imperative to have both.

These are the things that help me meet both ends for the meantime.

Part time Private duty Nurse - I am earning 1800-2000 per 12 hours shift

Blogging - 

Rebates

Network Marketing

Affiliate marketing

Saving is a must talaga mga inay.  Sobrang paghihigpit ng sinturon ang need natin dahil sa mahal na bilihin ngayon.

Hay naku mga inays kung ano anong darna na talaga ang need para lang maging Financial Independent.

Just small steps at a time.

** Photos not mine.

Hello mga Inay.

Recently GCash launched their brand new investment program which is the ATRAM Peso Money Market Fund.  As a GCash user I was very happy because they opened their doors to this kind of investment.  I mean there are no FA who will bother you and insist on the products or the insurance that you want to avail.  They will give you a questionnaire on what type of risk appetite do you have and by reading their terms and you agreed on that you can start investing.  At napaka convenient neto mga Inay as little as Php50  pwede ka ng mag invest click click lang sa GCash app mo as long as my pera ka sa GCash.  Di ka naman obligado maghulog buwan buwan kagaya ng mga Insurance kung may extra ka lang ganun.  Pero syempre basa basa din pag may time.   Isang kilong bigas din ang Php50 mo.

GCash ATRAM will send you an email regarding some information, rules and other things that you have to know.  Availing such services doesn't guarantee that you will get rich quick by this kind of method.  Of course

Invest at your own risk.

 


***Photo credits to the owner.

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Hello mga Inay.

How's your budgeting skills?? For me I am poor at it. Or should I say wala lang talaga akong budget sa mga bagay bagay.

I am proposing that this subject should be taught in school especially on our growing up years.  Because this will be very beneficial on how are we going to set aside our income to attain our financial independence later on in our life.  Do you agree??

When I was growing up I was told to study hard, find a job and work hard.  But up until today I am working hard and nothing is happening.  I can't afford mortgages that is why I am not getting any.  I can't afford travels.  I don't even have luxury.  As I am always practical. Tiis tiis ika nga.

Money is hard to earn but easily spent.  Budgeting for me is very tedious.  Especially that we have limited income.  People suggest that I should increase my cash flow.  Our salary increase this year mind you.  But still there are a lot of expenses and I don't know how to manage them.  Every end of the month the bills just kept on piling.  Lage na lang ako hinihintay ni "billy" (bills) at "judith" (due date) sigh.

There are a lot of peso saving tips online.  But due to limited resources I just stick to what I can afford.  I have a coin bank where our loose coins go immediately and our bill bank where I put extra bill on hand.

The idea is of course ideal if you can save so much then at the end of the year you will get a hefty amount.  As of the moment we are practicing the discipline of it.  I am but wishing that our expenditures will be lower than last month in order for us to cope with our income.

I am just curious how people manage to save so much when they have little income.  Pare pareho lang naman kami kumakain ng 3 beses isang araw.  The price of their fish is no different from ours.  geez.

My sentiments exactly.



Here are our monthly expenses:

Groceries - Php4500.00
Palengke - Php 4000.00
Allowance - Php 2000.00
Tuition - Php 2000.00
Electricity - Php 3500.00
Internet - Php2000.00
Water - Php 300
Loan - Php1900.00 

**Photos not mine.

Hello luvies.

In a days time my daughter will turn 7 years old.  As a mom, I wanted to give her the most unforgettable birthday experience that she will treasure for the rest of her life and surely not break the bank.  Not that we have a bank to break in the first place. LOL.

I've been thinking a lot of party ideas, location, food and suppliers that is just on the budget.  As I do these I've been spending quite a lot of time researching.  As I do these it caused me stress and disappointment.  Because in order for her birthday to be executed the way I wanted entails a hefty amount of money.  And that is something we do not have. MONEY.

I realized that there are a lot of mommies who are in the same boat as I am.  Birthday parties need not be grand.  All we need is good food and entertainment. 

I am estimating 40-50 guests kids and adults.

I computed the budget if we do it DIY style.  

Location - sa tapat ng bahay. Pag nag rent naman kami mga P2000-P3000

Food - Lutong ni Inay Menu: Spaghetti, Chicken, mini-cakes, juice. P???

Tables and chairs rental - P1200 

Baloons - P1000

Entertainment: Naku eto ang madugo P3000 just for clowns PF

Souvenirs/Prizes -P5000 

So ang total mga P18000 estimate at mega hagardo versoza pa mga tao lalo na si Inay na mamamalengke pa at magluluto. LOL.

So think.. think pa ang drama..

 Almost all fastfood in the Philippines got it covered.

I am thinking of

1. Jolibee 

2. Shakeys

3.Calle Preciosa

 They are offering birthday packages that are pretty reasonable.  I might be leading through these Fastfood.

Hello luvies.

Year 2018 is almost over.  It has been a roller coaster ride.  One thing is for sure I still did not achieve most of my goals and aspiration though I've been working my butt out.  Maybe because I was not at the proper place.  Oh well.  This year I have so must to be thankful for and next year I have so much to look forward to.  I am hopeful.

Before 2018 end I will list my GOALS for 2019.  I will  list them as I want to unlock it 1 by 1.

1. To be debt free - eto ang pinaka una kung aayusin starting now.   My finances is in jeopardy.  It's because our resources are very limited.  No matter how hard I work our income do not make ends meet.  So I don't have enough savings to do and buy what I want.  Our salary always end up with Judith (due date) and Billy (bills).  Haay buhay..
2. To increase my income - I guess in order to achieve this I have to add another source of income.  Having a full time job doesn't suffice at all.  So I need another avenue which is sales, this requires a part time only but offer so much more.  So help me God. 
3. Make a Passive income -   I will make this income a must.  Can you imagine earning money while you sleep?? Who wouldn't want that?? Almost all of us here in the Philippines work 8-12 hours a day and earning only P15,000-20,000 a month.  Can you imagine too much work too little pay?  The sad part is that if you will not work you will not be paid.  Sad life..  Now how will I make these.  There are so much avenue in this one but mind you this is not for the faint of heart.  Everything needs hard work.  If you have this one you are one of the few who unlock one of the keys to financial freedom.  Let's work hand in hand with this one.
4.  To have a BIG SAVINGS - Need not say more.  If I have big savings I will not worry that much about tomorrow.  Oh di ba?? 
5. To ATTAIN FINANCIAL FREEDOM

You might ask me.  Bakit walang travel goals??  Gustuhin ko man nga mga kapatid parang di naman attainable yun at the moment.  Kasi sa 4 na Goal na yan at sa minimum income ko kulang pa di ba?  It can wait naman.  Who knows my career in sales will give me a piece of this one.  Cross finger.  All I need for now is to believe in myself.  And take actions on my dreams.  I have to be someone.  I have to attain something in this life.  YOLO nga di ba?  You only live once.  I kept on thinking I don't want to die poor.  Because if I do it is my fault.  My parents sent me to school to be the best that I can be.  I don't want to be a disappointment.  I want to show them that I cannot  just support myself but also them.

I will unlock this 1 by 1.  I know it will not be easy.  But I know it will be so worth it.

How about you? Have you listed your goals for 2019?? Let's share thoughts.

#labadapamore