Hello mga inay.  

I just want to share with you my horror BACNE Story.

For some people out there who doesn't know what BACNE  is.  It is what you call Back Acne.  Some people may experience not only having acne on their face but it also runs through their back.  Other have it mostly on their shoulder.

I am not the type who often look at my back but lately I can feel some bumps and it becomes itchy, so one afternoon after my bath I checked what was going on with my back and to my dismay I've seen a horrifying site.  It was awful.  Being a woman with BACNE is crucial.  Ladies, you know what I mean? 

I immediately analyze what had happened that cause this. And this is my conclusion.  I frequently ate fried foods, I drink less water, slept late and I change the soap that we've been using for years.

Now that I know the culprits of this I am now trying to eliminate them and start to change my lifestyle bits by bits.  And after a couple of days, I can see that its clearing up.

Then I added a regimen.  I scrubbed my back with baking soda and my favorite safeguard with Tawas.  

I hope my tips is beneficial to you.

💕

Hello mga job hunters.  I know bakit kayo napadpad sa site ko its because kagaya ko nahilo kayo sa kakahanap kung san ba talaga makikita ang NBI Application Form.  Di naman kasi yun ang makikita agad sa kanilang website.  Puro info lang about this and that.  Tapos  yun ibang mga blog owners ay nagbibigay ng maming tutorail on how but then again madaming mga ad for clickbaits.  If you do not know what I mean, bloggers earn certain amount if you click on our blogs.  That is how they earn passively.  Oh di ba? Talino.

So here is the link NBI CLEARANCE. 

I am just renewing my NBI, so technically year 2014 and below should get or register as new applicants.  While for old timers like me I just signed in.

Then click apply for a clearance or if you want to edit your information you can do so.

Now you can now proceed by choosing the date and branch near you and also choose the payment option that is convenient to you. Like 7-11, Over the Counter, Bayad Center, Multi Pay or EC Pay

There is a certain amount for using the payment sevices for me I was charge Php25.  The NBI Clearance is worth P130.  You may copy your reference number and proceed to the payment center of your choice.

By the way, do not forget to bring a valid ID.  This is a must have.

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.

 Follow me and I will follow you 😍 😘 

IG 

FB Page 

Youtube

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.