Friday, August 28, 2015

Freebie Alert!

I'm not sure if I mentioned this before but I finally made my Registered Financial Planner status official by paying the membership fee last July, after my financial plan got approved in February. At first I was hesitant to shell out the Php5,000 fee because I still had no clear idea what to do with my RFP status, but with the six month grace period about to end and the thought of wasting all those months I spent on the course and my financial plan bearing down on me, I finally bit the bullet and just paid up.

Right now, I'm still not certain if I want to go full steam ahead as an RFP because I do enjoy my day job and I'm hesitant for a major change at this point in my family's life, so I'll go at it with baby steps. And this is where you, my readers, will benefit.

Saturday, August 15, 2015

Construction Updates


As I am writing this (Day 5), the carpenter/ worker is working on the cement finish to the doorway and has just brought out the grinder, so excuse me while I duck into the bedroom to escape the noise and dust. 

Thursday, July 30, 2015

The Privilege of Waiting for Death


I visited a HS teacher at his retirement home in Dasmarinas, Cavite a few weeks back and I was dumbstruck when he casually told me that he was just waiting for God to call him. The conversation pretty much went like this:

Me: Brother Harry!
Brother Harry: Oh my! Hello! Hello you precious girl!
Me: How are you doing? 
Brother Harry: Doing fine considering everything and waiting for God to call me.

Saturday, July 18, 2015

Our First No-Spending Weekend

This happened quite by accident. It was the weekend that followed successive school cancellations because of Typhoon Egay, hence, we had no choice but to stay indoors because of the bad weather. Surprisingly, we survived our very first no-spending weekend without going nuts or tearing each other's eyes out. I'll probably add to this list in time, but here's what we did right to achieve zero spending last weekend.

Wednesday, July 15, 2015

The Personal in My Personal Finance

The good news is I am finally on the payroll and will be receiving my salary on schedule. The bad news is my net pay is not enough for my household's monthly expenses. When I tallied our expenses vis-a-vis my net pay, there was a Php900 deficit. And I hadn't even included my lunch and commuting expenses in the tally.

Here's how our monthly expenses look like and the percentage they take up of my paycheck:

Thursday, July 9, 2015

Second Quarter Net Worth Report


The last few months with my new job have been so challenging. I couldn't wait to get my paycheck and give my savings a break, but a new requirement just seemed to pop up every time I turned in a document. I've been suspecting though for a long time that the requirements weren't really given piecemeal style as I was made to believe, it's just that the person in charge of my documents is kinda scatterbrained so she would relay the requirements to me one at a time, even if she already had a list of the needed documents. The lesson learned here is to go directly to the person in charge and not rely on the office Ate, who is nice and sweet but kinda slow on the uptake. Anyway, bygones. My family and I survived the four months of drought, so it's all good.

Saturday, July 4, 2015

A Spendy Weekend

The weekend isn't over yet but I'm already reeling from how much we've spent so far. Not good at all.

It started when my mom called yesterday as we were getting ready to go to the SMX MOA travel fair. She said that their Ormoc-Cebu ferry had been cancelled because of bad weather so she asked me to rebook their Cebu-Bacolod flight that afternoon to Monday (there's no direct flight from Ormoc or Tacloban to Bacolod). Rebooking fee was Php1,500 with PAL and then multiply that by 4, so that's already Php6,000. Ouch.