Sunday, December 28, 2014

Happy Holidays!

Agta Beach Resort with the fambam




This year, we dove head first into the holiday madness and went to three different destinations for December, with two other places to go to before we say goodbye to 2014. To date, we've been to the airport 6 times (with only one delay, thank goodness!), went on one fast craft from Cebu to Ormoc and two long distance drives to get to my parents' place in Biliran. Today, we're going on another road trip to attend my sister in law's wedding and then we're off to Bohol after that with the wedding party. I officially need a vacation from this vacation.


Happy Holidays!

Agta Beach Resort with the fambam


This year, we dove head first into the holiday madness and went to three different destinations for December, with two other places to go to before we say goodbye to 2014. To date, we've been to the airport 6 times (with only one delay, thank goodness!), went on one fast craft from Cebu to Ormoc and two long distance drives to get to my parents' place in Biliran. Today, we're going on another road trip to attend my sister in law's wedding and then we're off to Bohol after that with the wedding party. I officially need a vacation from this vacation.

Wednesday, December 17, 2014

2015: Getting Down to Business

I started this blog in 2012 and back then I was just getting started on my personal finance journey and feeling mighty proud of myself for "investing" in a VUL #facepalm.


In 2013 I continued reading whatever I could find on personal finance and got my first taste of stock investing thanks to Bro. Bo Sanchez.


This year, our finances got thrown up in the air because of the condo purchase. I'm happy to say though that my personal loans to my parents are 30% paid off with the amount decreasing steadily every month because aside from paying my parents a set amount monthly, I also pay their credit card bills and offset the amount with my debt (This is why I cringe when I hear about their new purchases).


For 2015, the theme is to keep on moving forward with our financial goals, and with no more big expenses to derail our wealth building mode, we should be chugging along smoothly. The two biggest goals for 2015 are to complete our emergency funds and transition smoothly to a new job with a bigger pay by the middle of next year.


2015: Getting Down to Business

I started this blog in 2012 and back then I was just getting started on my personal finance journey and feeling mighty proud of myself for "investing" in a VUL #facepalm.

In 2013 I continued reading whatever I could find on personal finance and got my first taste of stock investing thanks to Bro. Bo Sanchez.

This year, our finances got thrown up in the air because of the condo purchase. I'm happy to say though that my personal loans to my parents are 30% paid off with the amount decreasing steadily every month because aside from paying my parents a set amount monthly, I also pay their credit card bills and offset the amount with my debt (This is why I cringe when I hear about their new purchases).

For 2015, the theme is to keep on moving forward with our financial goals, and with no more big expenses to derail our wealth building mode, we should be chugging along smoothly. The two biggest goals for 2015 are to complete our emergency funds and transition smoothly to a new job with a bigger pay by the middle of next year.

Monday, December 8, 2014

Little boy (is feeling) blue

Early Friday morning as I was getting ready for work, the hubby reported that our son suddenly threw up. But seeing that the boy was up and about, playing with his toys, we chalked it up to one of those mysterious toddler things and forgot about it. Then while I was at work, the hubby called to say that Ace wouldn't stop vomiting and that he would be bringing him to the pedia ASAP.

The pedia, whom the hubby refers to as "Dr. Nice Lady" because she really is the nicest person in the world, diagnosed the vomiting as being caused by a mere virus that should pass within a few days. Being a virus, there was no medication for what Ace had and the primary thing was to keep him hydrated and rested.

The boy slept the rest of the afternoon, but by the time he woke up, the vomiting started again and wouldn't stop. Even the vomit medicine that was supposed to settle his stomach was promptly dispatched with about half an hour after he drank it. We decided to bring him to the hospital to get him hooked to an IV because he was losing liquids fast and was already weak.

Getting the IV into his foot was a horrible experience but beyond that, everything went smoothly. He was back to his old self by morning and when he no longer vomited after eating breakfast and lunch, we were given the go signal to check out of the hospital.


Throughout this whole experience, I was mindful of the fact that we were lucky that my mom was a doctor in that hospital and our pedia was her partner, so we didn't have to pay for professional fees. Also, even without a discount, our son only needed some very minor medication and lab works, which amounted to less than Php1,500. The biggest expense we had was our room which was a suite, because the next available room was a semi-ward where the watcher was only provided with a chair. The suite wasn't also all that grand to be perfectly honest, but at least it was roomy.

Because we checked-in during the weekend, I wasn't able to accomplish the required Philhealth forms and had to charge the entire bill on my credit card. I'll be applying for Philhealth reimbursement soon and here's hoping that I'll get a substantial refund on the Php5,700 that we spent on hospital bills.

Yup, we only spent Php5,700 on our hospital stay, so even if I don't get a reimbursement it won't really matter. But I can imagine how Php5,700 will be too much of a financial burden for others, like that beggar who brought in his 1 y.o. child to the emergency room a few minutes after we settled in our room. Thank goodness Medical Center of Paranaque has a very compassionate ER staff who waived the ER fees and even managed to find medicines for the child. Also, the doctor told me that my husband gave her money to be spent on that child's medications. I would have never known if she hadn't told me since he never brought it up. Clearly I married well :)


While we will never have an aspirational lifestyle that thousands will avidly follow on Instagram (guilty!), I am constantly reminded of how blessed we really are and of how little we really need to be happy.

I hope this storm runs its course soon so we can all get back to merrymaking.

Little boy (is feeling) blue

Early Friday morning as I was getting ready for work, the hubby reported that our son suddenly threw up. But seeing that the boy was up and about, playing with his toys, we chalked it up to one of those mysterious toddler things and forgot about it. Then while I was at work, the hubby called to say that Ace wouldn't stop vomiting and that he would be bringing him to the pedia ASAP.

The pedia, whom the hubby refers to as "Dr. Nice Lady" because she really is the nicest person in the world, diagnosed the vomiting as being caused by a mere virus that should pass within a few days. Being a virus, there was no medication for what Ace had and the primary thing was to keep him hydrated and rested.

The boy slept the rest of the afternoon, but by the time he woke up, the vomiting started again and wouldn't stop. Even the vomit medicine that was supposed to settle his stomach was promptly dispatched with about half an hour after he drank it. We decided to bring him to the hospital to get him hooked to an IV because he was losing liquids fast and was already weak.

Thursday, December 4, 2014

Rappler Mention

It was such a thrill to be lumped alongside the likes of Randell Tiongson, Marvin Germo and Efren Cruz and be considered as a personal finance expert by affinity. Although to be perfectly candid, I'm more of a personal finance enthusiast than an expert, and to be clear, I'm not fishing for compliments, I'm just being real.


Anyway, here's the link to Ezra Ferraz' Rappler article on "9 financial-savvy tips for Christmas gift-giving" and I was amused that of all the tips I sent him, he chose my core philosophy in gift giving or that gifts are tokens of appreciation and love, so we shouldn't attribute anything else to them. They won't mend broken relationships, make up for lost time with family members or make someone fall in love with you, so no need to stress yourself over finding that one perfect, expensive gift. It's enough to show that you had your recipient in mind when you purchased or made that gift.


Rappler Mention



It was such a thrill to be lumped alongside the likes of Randell Tiongson, Marvin Germo and Efren Cruz and be considered as a personal finance expert by affinity. Although to be perfectly candid, I'm more of a personal finance enthusiast than an expert, and to be clear, I'm not fishing for compliments, I'm just being real.

Anyway, here's the link to Ezra Ferraz' Rappler article on "9 financial-savvy tips for Christmas gift-giving" and I was amused that of all the tips I sent him, he chose my core philosophy in gift giving or that gifts are tokens of appreciation and love, so we shouldn't attribute anything else to them. They won't mend broken relationships, make up for lost time with family members or make someone fall in love with you, so no need to stress yourself over finding that one perfect, expensive gift. It's enough to show that you had your recipient in mind when you purchased or made that gift.

Tuesday, December 2, 2014

To Jump or Not

I am honestly not happy with how my FAMI-SALEF funds are performing. After two years of sporadic investing, my money grew by a measly 7% lang. Ok, so granted that this is merely an average of my entire investing history with FAMI-SALEF. Also, when I looked at the chart, my very first investment has grown by 23.18% in two years, so that's not something to be glum about. But I thought it would be more impressive, that I would open my account and do a happy dance upon seeing my gains. Or maybe I'm just expecting too much? After all, one of the speakers in the RFP* seminar said that when it comes to mutual funds, you'll start seeing stupendous gains after a decade or so of continuous investing, once you've established your critical mass.


Anyway, I've been looking around to see if I should make the switch and came out with a chart to guide me.


To Jump or Not

I am honestly not happy with how my FAMI-SALEF funds are performing. After two years of sporadic investing, my money grew by a measly 7% lang. Ok, so granted that this is merely an average of my entire investing history with FAMI-SALEF. Also, when I looked at the chart, my very first investment has grown by 23.18% in two years, so that's not something to be glum about. But I thought it would be more impressive, that I would open my account and do a happy dance upon seeing my gains. Or maybe I'm just expecting too much? After all, one of the speakers in the RFP* seminar said that when it comes to mutual funds, you'll start seeing stupendous gains after a decade or so of continuous investing, once you've established your critical mass.

Anyway, I've been looking around to see if I should make the switch and came out with a chart to guide me.