Monday, December 29, 2014

Investing Time @ Home part 3

          It's Sunday , December 28 - we attended an early mass @ 6:30 am then went home to have some breakfast. I'm a bit lazy that day but I still I manage to clean the house & wash the dishes. Afterwards, I sat down & watch some dvd movies while my father is sleeping. "Pampatulog po kasi ng tatay ko ang Tv kapag naka-on pero pag in-off , magigising heheh, ganun na ba talaga ang matatanda?".

          In the afternoon, I re-read some books & wrote some bible verses as part of my goal - until I fall asleep. I think I must have overslept because I woke up @ 5pm in the afternoon.
Then in the evening, still awake I did some filing arrangement (for my investment) on the filing envelopes I bought last week.

          I've been searching this kind of envelope in National Bookstore but it costs P285 (with handle) & P175 (without handle) , a bit expensive for a kuripot like me luckily I found this envelope with handle at metro department store for only P 99.


          On this photo you can see I have 5 folders -for Fami, for Philequity, for Ayala philam life, St peter plan & for Pagibig fund. Yes, Pagibig fund, because Pagibig fund is also a mutual fund which I only knew few months ago, syunga syunga ko no? I already requested for some printouts on my contributions & have it filed (though its not yet updated).
I also included the certification of Heritage park lot that we were able to finish its payment 2 yrs ago (my brother payed  half of it's amount). Plus the St. Peter plan I finished paying last October.


Just sharing my ordinary experience today!
Have a great day!

Sunday, December 28, 2014

Investing Time @ Home part 2

          It's December 27 Saturday, I woke up early again & went to church again with my mother but unlike yesterday there's a lot of people inside, " may binyag at kasal yata". We prayed for a few minutes then afterwards we headed to palengke (C5 palengke & plaza 9). "Ano kaya ang ulam natin?" I answered-"galunggong", I'm a bit "suya " na with pork & beef this past holiday occasion. So I picked 6 pcs of galunggong, when the seller weigh it, " sobra 1/2 na & it's worth P 67.00, "ang mahal naman, di ba P 60.00 per 1/2" I answered. My mother again replied "Hay naku anak, mahal na talaga ang bilihin ngayon". My mother & I are exact opposites, I usually describe her "butas ang kamay" because she doesn't make plans in spending, "kung ano hawak ubos lahat". While I plan a lot & my mother calls me " kuripot".

          I again choose 6 pieces of galunggong, this time I choose a little bit smaller ones, & when she weigh it again, "sobra pa rin po - P 60.00 na lng po konti na lang naman ang sobra" & finally she agreed.

          I also bought some rugs & kitchen towel both cost P 35.00 each, so I took 2 pcs of rugs & 1 kitchen towel, manong, P 100.00 na lng po ha, tawad na ung P5.00.
"Di ka talaga kuntento na di makatawad " my mother said. " Mahal nga un e, I answered. While heading home we saw again some rugs, when I asked about its price, It's only P 20.00, "di ba mas mura", so I bought another one.

          I've been cleaning the house for the past two days, one thing I noticed is the wet floor, since  ours is tiled & it's a bit slippery for me specially when its wet. So, I put 3 rugs near the refrigerator, on the sink & near the cr, just to be cautious & to lessen the possibility of accidents.


          With our lunch of pritong galunggong with toyo, kamatis, sibuyas na tagalog plus sili as sawsawan, my stomach again was super duper full. In the afternoon, my mother & I went to glorietta / landmark to buy some grocery stuffs. Again, I have a bit tiring & ordinary but wonderful day with the family.


Have a great day a ahead!
God Bless everyone!


Friday, December 26, 2014

Investing Time @ Home part 1

          It's December 26 I woke up early, my mother & I went to sto.nino church to have a quiet moment inside. I have been wanting to have this kind of routine everyday unfortunately my work has been draining my energy for years. It's a good thing I have a long holiday vacation so I can now finally do it everyday.

          Afterwards we headed to palengke & bought some rekado for lunch, my plan today was to eat just a little for lunch since my stomach has been overloaded for the past three days because of the holiday events.

          Sadly, my plan was sabotage when my mother cooked her pacham (short for pachambang luto), pinaghalong puchero, sinigang at nilagang manok, heheh. "Hayun napasarap na naman ang kain" Then afterwards, we watch some dvd movie (The Hitman) while having some little kwentuhan (di ko alam mahilig na sa showbiz news ang tatay ko heheh).

          After watching, I decided to do a general cleaning on our living & dining area, while everyone is asleep upstairs. It's been a while since I've done some general cleaning here.


          At night, our bunso volunteered " ma, ako bahala sa hapunan". He bought inihaw na salmon & tilapia & prepares ensaladang talong. And the result, super duper busog, wahhh- 32" na ang waistline ko. Good thing, my mother blended some carrots & apples atleast I can drink some of it again in the morning for detoxification.


          Just an ordinary day but I really treasure these ordinary activities!
          Have a blessed weekend guys


Christmas 2014

I was a bit busy these past few days because of the holiday season and it's only today December 27 that I am relaxing & enjoying watching dvd movies in our house while writing this post.
December 23, was the last day of our work and its a bit late when i went home.
December 24, we rushed early to Market Market mall for some late minute shopping of gifts & groceries. As usual fruit salad is   the only food I can make & share for noche buena. I just bought cake & ready made ube & leche plan @ Fiesta Market (Oh dear, I still not done with one of my goals which is cooking, huhuh).
I only bought few gifts for my close relatives while I decided to give cash for my inaanaks (just 200 pesos each while the 50 pesos & 20 pesos or the sabit) Hey, atleast I only spent 2 thousand for my inaanaks unlike those past christmas I usually overspent for the gifts plus "ang sakit sa ulong mag isip ng pang regalo."
We spent our Christmas day @ Bacoor Cavite with our relatives. It's already a tradition since I was a child to celebrate our Christmas there.
It's a bit tiring when we got home but it's really worth it, you know how wonderful the celebration in the Philippines is being with our families & our loved ones during christmas.

Happy New Year Guys!




Monday, December 22, 2014

FAMI - Equity Fund

I have been checking the FAMI sites almost every other day. Based on their historical NAVPS I think --"mas may movement ng konti ang equity fund nila vs balanced fund this year" ( Balanced fund Jan Navps - 2.70 vs Dec Navps - 2.77 / Equity Fund Jan Navps - 4.80 vs Dec Navps - 5.50 ) . So instead of making additional top up on my balanced fund I decided to open an equity fund last week.
I have written reviewing-my-numbers post last week about my 3k plan from paluwagan allocated for my mutual fual fund and deposited it right after I received it.
Total = P 5,110.00 / Change = P 110.00 will be deposited in my savings account :)
While the remaining balance for the 5k was taken from the cash rebates from credit card I set aside last month & the lending cap & interest I received this December.

There it goes. I can now reward myself for all the goals I have accomplished this year. I'll be visiting letsfaceitsalon & laybare for some facial cleaning activity  & probably watch the hobbit movie this week :).
Plus I'll try to accomplish also the 3 remaining goals I have written in this site.

Have a Wonderful Christmas again everyone!


Last Financial Goal 2014

Finally, I can say I did it!
          Done with my last financial goal this year. I've written a post last October -"figuring-out-what-to-do-next" about the four specific financial goal I need to start this year. Yesterday, I went to WealthBank to open a special savings account with a minimum deposit of P 10,000.00 @1.75% interest per annum with a 30 day term period. I plan to make additional deposit every month. This account will be use for my plan to study next year. I have talked to one of our neighbor who's also studying a course which only has an additional 1 year to finish as some of my previous subjects will be credited. I graduated a 3-yr course from TUP which is unfortunately not the field that I really want.

          Hopefully this plan will pursue next year. I feel the need to improve myself. I think I have to sacrifice a year or two so I can have a better & stable future. I'll be inquiring on that university by February and probably by May will be the start of class just need to confirm it.

          I'll be turning 40 by January. Well, it's better late than never for some personal improvements, di ba? Wala naman akong asawa at anak, so I think I'll survive just need a little preparations.

          Yes, I do worry being a minimum wager but It's not exactly an issue why I decided to study next year. I just feel the need for me to find a purpose in life, a purpose that will also influence other people. Sometimes at the end of the day, no matter how hard my work is, how meager my salary is and how exhausted I feel - that sense of fulfillment is needed for me to be whole & complete.


Merry Christmas everyone!



Thursday, December 18, 2014

Reviewing My Numbers

          Time flies so fast & its December 19 already, feels like it was only yesterday when I wrote my goals last January. Today, I was reading some of my blog posts & these particular numbers caught my eye.

One Peso (P1.00) - It only took one peso to start another step towards financial freedom. Just one peso & my savings motivation (365-savings-goal) started last year.

One Hundred Pesos (P100) - The average amount I set for my daily allowance (Daily budget of P100, P140, P160). I have set my daily routine to a fixed expenses though I sometimes exceeded with my budget its still manageable.

One Thousand Pesos (P1,000) - The target amount I have set for my Weekly budget, my Groceries expenses and my Minimum additional top up on my investments. I've already reached my target additional top up investment here but I sometimes exceeded with my weekly budget & my groceries expenses.

Ten Thousand Pesos (P10,000) - The target amount I have set for my Total monthly expenses (though I think its doable I'm still in the process of trimming down my expenses), my Total investment on my mutual funds (target reached both for FAMI & PEMI) and the Special Savings Account  (my last goal to fulfill before 2014 ends ).

One Hundred Thousand Pesos (P100,000) - I've been visualizing this numbers since I wrote this 1,000 Spending Rule blogpost last August. Just imagine to have a total of P100,000 both on my savings, mutual fund & other investments----Sounds good, di ba? I'll see if I can reach it before the year ends or before I turn 40 next year. I'll be calculating my networth before the year 2014 ends :)

          My 13th month pay is P 6,150 (ang laki noh?) - is primarily intended for gifts both on my family, friends & inaanaks though I have not received it yet, still okay with me, "atleast controlled ang gastos". I planned to give cash on my inaanaks coz I still am not sure if all of them are coming.
I have this spending problem every Christmas, an attitude of giving everyone a gift then ended up broke by January. This year every single centavo is planned. No new christmas decors, new curtains, new beddings & no household items were bought, hey I'm a self confessed addict to anything that can add appeal to my eye in decorating our house every christmas.

          Our "paluwagan" were already given yesterday but just as I plan, the 10k will be for my special savings account, 6k will be for medical ( cervical vaccine, health cards for me & my mother ), 3k for my mutual fund, while the remaining 5k will be for church, for christmas panggastos & for some house repairs.

          Setting a goal really plays an important role in our lives coz it sets directions in every plan that we make. I'm looking forward & excited for 2015 as I now have a clear view of what I really want in my life. Though my blog is all about financial goals, I'll be focusing on personal improvements next year.

Have a great weekend everyone!

Friday, December 12, 2014

Understanding My Risk Tolerance

          I'm not a risk taker maybe that's one of the reason why I'm still single, hahah. Kidding aside, early this year I became interested with mutual funds & uitf's as I feel that I'm still not ready with stock investing.

          Everytime I visit the sites of different mutual funds the word "risks" is always present.
I went to BDO & ask for their investment products, they will initially inform me "Ma'am, mataas po ang risks ng equity fund ha."

          I went to ChinaBank to ask again for Equity fund & Balanced Fund, both have an initial investment of 50k & 10k as an additional investment". One of their staffs assisted me with my inquiries with a little introduction of an investment product she was offering which I politely decline, as I answered her "hindi ko kasi kaya ang investment na may monthly obligation maliit lang kasi ang sahod ko, baka pumalya ako at di ko matapos." I'm interested with UITF & how it works, she answered "basta kapag nagplace ka ng investment monitor mo lang kasi everyday nagpa-flactuate ang value kaya hindi agad guaranteed ang returns in a short span of time."Still di pa rin nag-sink in ang information sa sarili ko."

          Again I inquire to Philam life, one of their agents answered me, "Kapag bumili ka ng 10 shares at ang value ng share is 5.00 ngayon, your investment value is P 50.00. Then after 1 year gusto mong kunin ang share mo pero ang value is P2.00---then 20.00 na lang ang makukuha mo."

          Okay I got it, I know it, but do I understand it? My answer that time is still NO. " Parang ang hirap mag-invest na alam mong may posibleng losses after a year, ganyan po kasing mag-isip ang karaniwang taong katulad ko." But then I was thinking, " bakit sila nag-iinvest pa rin kahit may risk?" It made me think again - "siguro mas malaki rin ang future gains", maybe it's just a matter of having a time frame for every investment. Well, I am still in the process of learning here.

          So I proceeded with my plan, how will I know If I 'm not going to try it - last July 7, I opened a balanced fund in FAMI (I chose a fund with a moderate risk), so when they ask me- you know the risks mam? I answered yes.

          Today, I was checking some files, when I found this peso cost averaging excel template I downloaded from ready to be rich site & input some datas from my mutual funds. So glad when I found this template coz I'm a total idiot with this excel software.

My FAMI peso cost averaging data
My Philequity peso cost averaging data
          In these PCA templates from Philequity & FAMI balanced fund where I both invested a total of P 10,000, a Sales Load of P 2.0% & 3.50% we're automatically deducted from it respectively & stock value shown was a little bit low from the total amount I invested.

          Now seeing those templates, I can say that I now understand what risk is. I have prepared myself mentally & emotionally that the value of my shares flactuates as I have been stalking the sites of both FAMI & PEMI thrice a week. And today the NAVPS of my FAMI balanced fund is - 2.74 which is below the value of my initial investment. As for the PEMI, the value of my equity fund today is 36.77 which is again below the value of my initial investment but that's okay with me (mag-iisang buwan pa lang naman), I now understand the actual feeling, "kaya pala ganun ang feeling nila." :)
          Knowing is actually different from understanding, I can say that I know the facts but to actually experience it is important. Hey, I'm a slow learner that's why I don't give advises, If somebody calls me an idiot "I don't really care".What's important to me is I'm learning & I keep on learning through some of my experiences & through constant pursuit of knowledge.

          It's really an advantage that internet was invented so there's no excuse now not to be financially aware as most of the informations we're actually given free from facebook, you tubes & other financial blogsites today.


Just sharing again!
Happy Weekend & Happy Investing!

Another Goal Reached!!!

I received my first monthly statement of account from Philequity last November 28, 2014. Still excited with my second investment I've added another P 1,000.00 from my lending raket & some extra savings last November 27, 2014 after opening an account last November 12, 2014.
Then after my brother gave me his monthly rent last November 30 & the P 2,000.00 was then again deposited to Philequity fund last December 5.
Good thing my mother & I decided not pursue our plan to relocate her washing machine, I was able to use the 1k budget from it plus the St Peter contribution of P 550.00 was returned to me (kumpleto na pala ang payment ko hahah) & the company profit shares I received last November & finally last December 9 another P 2,000.00 was deposited again to Philequity fund reaching my target goal of P 10,000.00 to my equity fund in PEMI.

Just one more financial goal to achieve this 2014 before I can finally say "I did it". Though we are still waiting for some good news on our 13th month pay & our paluwagan here in our office, I'm still optimistic that I'll be able to open a special savings account of P 10,000.00 before the year ends.

Just in the mood of sharing again.
Have a great weekend guyz!!!!

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