Tuesday, September 30, 2014

Everything's on the Up and Up!

Our emergency funds are still nowhere near our target, I stopped contributing to my FAMI-SALEF account early this year and I haven't made extra payments towards our mortgage because debt repayment is foremost on my list. Yet despite being cash poor, I can't seem to shake off my good mood.


I'm reminded of when we first got married and were ridiculously broke, I was always worrying and fretting about money back then. This time around, although our savings are back to near zero levels I don't find myself worrying as much, because I know that all this low balance shtick is merely temporary. This too shall pass and soon enough, I'll be back to my desired financial ninja status.


Everything's on the Up and Up!

Our emergency funds are still nowhere near our target, I stopped contributing to my FAMI-SALEF account early this year and I haven't made extra payments towards our mortgage because debt repayment is foremost on my list. Yet despite being cash poor, I can't seem to shake off my good mood. 

I'm reminded of when we first got married and were ridiculously broke, I was always worrying and fretting about money back then. This time around, although our savings are back to near zero levels I don't find myself worrying as much, because I know that all this low balance shtick is merely temporary.  This too shall pass and soon enough, I'll be back to my desired financial ninja status.

Friday, September 26, 2014

Catching Up Daw?

A friend I haven't heard from in years suddenly sent me a PM two nights ago and I was reminded of this John Lloyd meme:



Catching Up Daw?

A friend I haven't heard from in years suddenly sent me a PM two nights ago and I was reminded of this John Lloyd meme:


This one is also a riot:

Friday, September 19, 2014

Chit Chat on BPI Save Up

In my last post, I briefly talked about my plan of opening up a BPI Save Up account because of its life insurance aspect. I was surprised at the number of comments I got regarding that bit in my rambling post because it seems as if a lot of people are also interested or are already using BPI Save Up.


The information online regarding BPI Save Up is pretty straightforward:


Chit Chat on BPI Save Up

In my last post, I briefly talked about my plan of opening up a BPI Save Up account because of its life insurance aspect. I was surprised at the number of comments I got regarding that bit in my rambling post because it seems as if a lot of people are also interested or are already using BPI Save Up.

The information online regarding BPI Save Up is pretty straightforward:

Wednesday, September 10, 2014

Just Because

I felt compelled to churn out something today because it's been 6 days since my last post, but I can't think of anything coherent right now. So I will subject my readers to the random thoughts polluting my mind, which may or may not be personal finance related. You have been warned.


Just Because

I felt compelled to churn out something today because it's been 6 days since my last post, but I can't think of anything coherent right now. So I will subject my readers to the random thoughts polluting my mind, which may or may not be personal finance related. You have been warned.

Thursday, September 4, 2014

Analyzing our Budget

When I finally sat down to create a monthly household budget, I came up with four categories: Fixed Expenses (parking and condominium dues, yaya's salary and benefits, PLDT and cable dues), Non-Fixed Expenses (Meralco, grocery, gasoline, eating out, laundry, water dues, lunch and taxi/fun fund), Savings/ Investments/ Protection (emergency funds, mutual funds investments, life insurance and health insurance) and Debt Payment (mortgage and personal loan).


Analyzing our Budget

When I finally sat down to create a monthly household budget, I came up with four categories: Fixed Expenses (parking and condominium dues, yaya's salary and benefits, PLDT and cable dues), Non-Fixed Expenses (Meralco, grocery, gasoline, eating out, laundry, water dues, lunch and taxi/fun fund), Savings/ Investments/ Protection (emergency funds, mutual funds investments, life insurance and health insurance) and Debt Payment (mortgage and personal loan).