Monday, June 19, 2017

Dream Come True

                  Hi guys! I finally got some few minutes to update my blog. I just want to share this wonderful news to the world and to the few readers who patiently read my blog. 

                  Yes finally, I'm a degree holder. I'll be graduating this July and I'll be marching in SMX convention wearing toga with my parents, professors and classmates. Though I was quite busy and tired lately with all the requirements and clearances that I need to accomplish for my graduation I still feel so incredibly happy knowing that I was able surpass one of the biggest challenge I have set in my life.

Stolen shot during our pictorial
                   Truly God is so amazing for making this DREAM come true. A wonderful experience and an unforgettable journey that I will truly treasure - this is my journey - the journey of a "Pinay Minimum Wager."

                 Till then. Have a wonderful day ahead. God bless everyone!!!

Friday, May 26, 2017

Random Thoughts and Updates

          I was carrying my niece, our new source of joy while watching the evening news yesterday.

7 day old baby sam-our new source of joy
I got lots of problems today and lots of problems were also happening in our country and in the world as well and that made me worry about the future of the little baby I was holding. Today, I decided to write down some thoughts that's been running around my head and some updates in my life too.

UPDATES

1. Graduation - Yes, I'll be graduating this July 3 and I went to school yesterday to file an application for graduation and work on my clearance.

2. Civil Service Exam  or LET - Still undecided what to take.

3. House Repairs Problems - I've been doing lots of repairs in our house but the worse part is the "roof" - ngayon nagpakita ng mga senyales ng tulo & I might need a laborer to fix it, "gastos na nman".

4. Lot Problems - Now the worst problem I am facing right now is the problem in our lot. I heard a bad news last week that someone was able to purchase the whole lot in our area (including us) with title signed by DENR head - Sec. Lopez before she left the department and that made me wonder, "pano natituluhan ang lugar namin as farmland, eh punong puno na ng bahay ang lugar namin at di lang basta bahay--hanggang 3rd & 4th floor pa yung iba. "Ano yun bulag kaya ang nag-survey? - sabi nila - malakas daw ang kapit sa gobyerno - "kaya mag-antay na lang daw kami ng notice".  Lets see what happens next...

THOUGHTS

1. Earthquake - We had lots of calamities in our country but for me the worst one is the earthquake and its getting nearer here in Metro Manila. My mother's been worried of the big one that might hit us, "di ba nakakatakot?"

2. Martial Law in Mindanao - I pray that it will be resolved sooner.

3. Environment - If there's one thing that worries me a lot about the future of our new generation today is the environment that's been deteriorating, trees are vanishing, climate change and pollution are worsening, "pano na ang mga batang pinapanganak ngayon."

4. Territorial disputes - If you read some of my previous posts you'll know that I have this "if only attitude", hahah. I've been watching about the news and documentaries on west philippine sea disputes and it made me think about it - "If only the previous governments were able to foresee that this will happen or if only they were able to secure our territory then this dispute may not have happened today" -- baka pagmulan pa ng gyera yan e, I pray it won't happen.

         I admit I have fears - fear on the status of the lot where we lived in, fear that I might take a wrong move on my career & fear of what our future will be especially for my nephew, my niece and future generations but I always pray that God will lead me where he want me to be, guide me on every decision I take, give me the strength to face all the problems that I might encounter in the future and the courage to accept the things that were destined to happen. I also pray for our country will be able to survive the crisis we're experiencing now and hope it'll be a better place to live in the future.

Just sharing my thoughts today.
Till then.
Have a great day.
God Bless everyone!

Thursday, May 25, 2017

Home Improvement: DIY Part 5

          It's been a month since I last wrote a post here. I've been quite busy with the household chores, taking care of my nephew and a new member of our family - baby Sam. Yes, my sister in law gave birth to my niece last May 11 and we were all busy taking care of these two cuties & kulets.

          Those were the reasons why my home improvement project was put on hold for a while and up until now I'm not yet through with the painting works and house repairs. But I will still be posting the pictures of improvements I made just to compliment myself for all the hardwork I've done last month, "ang babaw ko noh?- pagbigyan nyo na lang po ang kaligayahan kong magbahagi ng resulta ng aking pagod".

    
          This was the original appearance of our house (photo above)  and after a month of hardwork this is present appearance (photos below).


          I also did some paint works inside & outside my brother's house (inside the cr only, outside -the front walls & columns only). (Note: It's my brother's car - not mine :)

    
           Aside from being tired, my credit card & wallet also suffered because the overall expenses went up to almost 2 thousand pesos, a bit higher than what I planned to spend. I made a mistakes of buying 2 - 4 liters of elastomeric paint (as advise by the sales attendant in hardware where I bought it, "ang daming sobra". The only consolation was that it was on sale during the time I bought it. Another mistake was buying 4 liters of gloss latex paint paint, "mas maraming sobra." - good thing my brother shared P125 for his room. But no regrets because I'd still be using those extra paints in some areas in our house.

    
 Here's the breakdown of my expenses:
  
          So there you have it - another experience shared. "Atleast kahit walang trabaho - productive pa rin." God bless everyone!

Monday, April 10, 2017

Palengke Time

         Five Hundred Pesos -"hanggang kelan kaya aabot to". I always hear those words from my mother and I understand her sentiments. "Hirap kayang mag-budget sa bahay lalo puro barako kasama namin". So I told her, let's go to "palengke" and let's see what we can buy there with five hundred pesos.

        So we went in a not so near wet market place in Pag-asa (medyo malayo po sya pero kayang lakarin) around 7am. They say that the price of vegetables & fruits is cheaper there and since its lenten season we planned on buying vegetables, fish and fruits only. After more than one hour of walking and roaming around, we were able to buy these:
Tomato - 1kg = P 20, Sweet Potato (kamote) - 1kg = P 35

Chinese Kangkong (2tie)- P 10, Kamote tops (2tie)- P10, Spinach (2tie) - P10, Saluyot (1tie)- P5
Pechay - P 10, Baguio Pechay - P10, Siling haba - P 5.00
Onions -P14, Garlic P11, Banana - P 15, Sitaw-P5, Star apple -P10
Galunggong 1/2kg=P60, Bilong Bilong 1/2kg= P65
Fresh Daing na Bangus =P50, Tambakol (3slices) - P70
                           Heres the breakdown and total expenses we had at our palengke trip. We still had a change of P85.00 from our P500 budget.
          We were tired when we got home. We rest a little while and told my mother that I felt like I did some exercise and jogging routine in morning. We then prepared and cleaned everything before finally putting them inside the fridge.
         So there you have it, our five hundred peso spending challenge in "palengke" at may sukli pa. We now have our meal until Wednesday or Thursday, "o di ba pinaabot hanggang Wednesday to Thursday ang P500".


Till next time.
God Bless!

Sunday, April 9, 2017

Fulfilling my Pledge, Clearing my Debts & my Long Term Goal Status

         
         This is my Goal Board where my pledge, goals and debts are posted located in front of my bed so I can easily focus & be well aware of my progress. I made four balance transfer last year because of the delayed salary I experience and now that I am already unemployed, this is one of my primary goal this year and hope to finish it before the year ends.
         Yesterday, we attended the Palm Sunday mass and after the mass I decided to pay the remaining 3 months pledge of the twin project - a church project I pledge - 100/month for one year. I've been wanting to finish my pledge before I ran out of money, good thing I was able to pay for it yesterday.
        I also set aside P 1,900+++ for my balance transfer bills in eastwest and unpin the list on my goal board. Just 2 more credit dues left (1 balance transfer & laptop installment).
        It felt good that I have cleared some of my debts and fulfill my pledge. I will now concentrate on my long term goals:

        1. BTTE graduate - check - just working for clearance.
        2. CSC prof passer - I'll take it before the year ends.
        3. BEAUTIFUL HOUSE - I'm working on it now - hahah.
        4. 1 MILLION PESOS - I'm almost halfway there.

     So there goes the status of my goal board. Till then. Have a great day ahead. God Bless.

Home Improvement - DIY Part 4

Day 5 (April 8, Saturday)
       I'm back with my painting works. I was able to buy latex paint and 1 kilo of patching compound last friday after my patching works.
         What I did last Saturday was apply the mixture of latex & patching compound on the leftmost side of our front house near the area where I did some cementing & patching works.
          As you can see, the surface of our wall is really rough and I tried to even it but still the result is not really good. It may not really look good but what is important to me is that there is an improvement as days go by.

         So there goes my hardwork. My spirit is willing but my flesh is weak - my body especially my hands are getting tired already but I will continue to work on improving the appearance of our house.

Till then!
Have a great day & God Bless!

Home Improvement - DIY Part 3

         Construction time once again. My mother and our neighbor kept on teasing me for the past few days "ang bagal naman ng trabahador ko" or "ang pangit naman ng gawa mo" or "lugi na ko sayo, ilang araw na yan ginagawa mo", "ipagawa mo na yan sa marunong". Am I offended?.. of course not, I love what I am doing and do not care whatever they say about my work. You see, one of the reason, why I kept on saying that its the most beautiful house in the world is that it was done with labor of love. Most often, the construction of our house is "bitin" because we do not have enough money to continue it or too often we hired someone who is not so expert in that field and it always resulted to a not so good appearance. Well, what do you expect, I am a minimum wager. It would be so unrealistic if I own a beautiful house.

Day 4 ( April 7, Friday)
        So much for the financial setbacks history of our house. I took some time off yesterday (last thursday) because I will be meeting a special friend in Moa and that's where I plan to buy another liter of latex paint. Sadly, it is not available there. So I decided to do other things the next day.

          I  A lot of imperfections can be seen inside and outside our house so  I decided to do some retouching and patching works. I bought 3 kilos of cement for this particular task and again the sand is free because my brother has it.
3 kilos of cement P9/kg --Total cost P 27.00
           
         There you have it, "my masterpiece", hahah. Now you know why they are teasing me with my construction work.
          

Have a great day!
God Bless.

Thursday, April 6, 2017

Divisoria Trip

          We went to Divisoria last month to buy some token of appreciation for our students, critic and panel teachers for our final demo teaching. It was my first time to go there and I was really amazed with the price of the products and how easy to reach that place.
The items we first bought at Divi
       APRIL 1, SATURDAY
        I told my classmate that I am going back here and so I did. Last Saturday April 1, my mother & I went to Divisoria. Divi is just two rides away from our house ( I only knew it last march) - P9 tricycle fare to tenement and P15 fare (PNR) from FTI station to Tutuban Station and since mama is a senior citizen her fare costs only P12.
       I brought P1000 budget for that Divi trip so I wont exceed with the budget limit I set. I told my mother that my reason for going there is to buy plain white Tshirt for my uniform in TESDA but I actually want to explore the area and search for other streets that I was not able to reach during my first trip there.
       My first target was to buy a Tshirt and so my mother toured me to Ylaya St. and went back to Tabora and then proceeded to 168. From a canvass price of P130, down to P100 and then finally we saw P90/pc Tshirt. I bought 3pcs for P270 only.
Sandals - P 25.00 only
      While we were exploring around the area I saw a bulk of sandals & slippers with a price tag of  P25 only and so I picked one pair and glad I did because I really loved wearing it.

       My mother also saw this printed bedsheets for P100 and pillowcase for 5 for P100. She was able  to get 3pcs of pillowcase for the price of P50 only. I also bought these plastic leaves (sorry I have no picture of it)  for P100 as a decor and a condinents bottle for only P10/each.
        And since were a bit tired roaming around & our budget is a bit short already, we decided to have our lunch in Mang Inasal. I have an unli rice meal while mama took a solo piece chicken meal and then we share the one order of small halo halo for our dessert."
TOTAL EXPENSES
          It was my first shopping tour in divi (o di ba, bongga shopping tour pa ang term, hehe) and I want to get back right away but since I am already unemployed and my budget is a bit tight I will have to delay my plan of going back there.

  
Till my next trip in Divi!
Have a great day!

Tuesday, April 4, 2017

Home Improvement - DIY part 2

                                                   DAY 3 (April 5, Wednesday)

         Yesterday, while I was painting, one of our neighbor made a remark " Wow, ikaw na talaga ang nagpintura ha!...kunsabagay mahal na ang labor." I replied, "magkano na po ba ang bayad sa nagpi-finishing ngayon?...and he answered, "P700 na ang pinakamura at yung assistant or laborer P500, wala pa ang pang-meryenda at materyales dun." Grabe, malaki pa sa sahod ng minimum. I asked because my initial plan was to hire a laborer to apply finishing on the front side of our house only. Good thing I decided to do it on my own. You can just imagine the cost of labor and materials today. I'll just spend on the painting materials rather than hire a finisher & laborer to do it.

        Yesterday, I applied some base paint and since our house has a rough finishing texture, I wanted to smoothen it a little bit, "di po kasi maayos ang rough finish nung harapan namin, pahabol na trabaho kasi yun ." I bought 2 kilos of patching compound in a nearby hardware and another liter of flat latex paint in Ace hardware. I also bought another paint brush because I know I will be needing it later on.

Latex Paint and Paint Brush
mixture of patching compound & latex paint I used as "masilya"
result of my hardwork
         Here's the closer look of our house today. I'm not a pro, but I did my best here. I was able to apply the mixture on the two sides of the gate, top side is not included. I started around 6:30 am and finished by 12 pm.
 proof of my hardwork
Total expenses today
           I am not through with my home improvement project. I still need to buy another liter of latex paint tomorrow for some patching work and another quick dry enamel paint for the gate. I will be looking for other color and design that I will apply later on.


Have a great day guys!
God Bless!

Home Improvement - DIY part 1

         Now that I am unemployed, I will be posting more blogs than the usual. After the stressful week of our demo teaching and completion of the records of the students, I let myself rest for a while without thinking of my current situation of being unemployed. But I only let myself be that way for two weeks and now I am back to reality. Last Saturday, while I was breathing some fresh air outside our house, my eyes were pinned on the front view of our house, that's the time I decided why not make a little improvement on it.
 DAY 1 (April 3, Monday)
          This is our house and I always say that " it may not look beautiful but for me it is the most beautiful house in the world, "dugo't pawis ang puhunan namin nung ginawa yan." I know how expensive it is to build or improve a house and with my current financial situation today I know that its not possible. But since I really wanted improve the appearance of our house I decided to do it myself.


        So last saturday, we went to market market mall and I bought a flat latex paint as a primer and a paint brush. I looked for some of my old tool stuffs and found some roller & tray that can be use in applying the latex paint. I also found latex paint remains with approx 1 liter content while searching for other old stuffs beside our house. And because latex paint is water based I was able to use its remaining content.


        So that's the outcome of my labor, I started around 7am and finish at 1pm so it only took 6 hours to apply that primer latex finish. I only spent a total of P 129.75 for latex paint & paintbrush since I still have these leftover latex paint.

DAY 2 (April 4, Tuesday)
        I also patch the area near our water meter with a mixture of cement and sand and would you believe that it took me 3 hours to do that. "Nakakapagod pa lang mag-misla ng semento kahit konti lang." I spent P27 for 3 kilos of cement and sand is free since my brother still has some stock of sand left.
         Yes, I did that  but just the half area only, o di ba - pede na akong laborer sa construction kaso di ko mapantay, e :).
          I spent a total of P 156.75 for two days for materials and of course the labor is free. 
Breakdown of expenses for two days
       I still got lots of plans improving our house but for now I only want to paint the front area of our house and I'll do it one task at a time. Hope it will have a beautiful outcome.


Till then!
God Bless & Have a great day ahead!

Monday, April 3, 2017

Simple Dinner at Home



         I'm starting to get bored and tired these past few days. The feeling of being unproductive is starting to sink deeper in my thoughts, "ramdam ko na ang nakakapanibagong buhay ng walang trabaho." But still I want to rest for few months and spend quality time at home. I want to experience again the joy of living even if we have very little resources today. I've been telling my mother the advantage of having peace of mind by being contented with whatever we have at home and not the luxury of this modern day era. Malls are everywhere and I admit that we're one of those people who enjoys going there and eating out in fastfood chains becomes part of our weekly routine.

          Last week, after my orientation in TESDA, I went to "palengke" (wet market) and bought some veggies not thinking of what our dinner will be.
7pcs siling haba-P5, 17pcs onions-P10, 2pcs eggplant-P12, 8pcs tomatoes-P12

est. price per piece
          I spent a total of P39 ($0.78) on those veggies and while I was heading home, our neighbor gave me these indian mangoes, freshly picked in their mango trees.

         When I arrived at home, my mother thanked me for buying these veggies but with a slight comment of "gusto ko sanang pumunta ng mall at ayoko ng mag-isip ng uulamin na naman". So I told her that I am a bit tired and doesn't want to go out but I told her not to worry because I will prepare for our dinner that will look like dining in a restaurant.
#mybest effort in preparing dinner
          Yes that's our dinner last thursday. The total cost for that meal is only - P11.80 ($0.24) and that's for four of us - Mama, Dade, Kuya and Me, sobrang mura, di ba? Here's the breakdown for that meal:

          The pesang tilapia at the center is a leftover food from our lunch meal. Rice is not included in the computation since I do not know its price equivalent. Would you believe that the meal I prepared that night is a winner, "simot sarap, taob lahat, & no food wasted"  which for me is important in practicing frugality at home. As much as possible I do not want any leftover foods at night. I often see my Kuya placing some leftover foods in kanin baboy in the morning which I really hate, nakakapanghinayang di ba?

        Aside from the money saved, we really enjoyed that dinner together -"sarap kayang kumain ng nakakamay at nakapatong ang isang paa sa upuan." I told my mother "o di ba, di pede sa mall yan ha", hahah. :)

        Now that I am unemployed my goal at home is to bring back the simple and happy lifestyle that we had before. My reason is simple - Simple living means less expenses but more quality time with our loved ones.

        How about you? What are your ways to simplify your lifestyle?

Just sharing my experiences again!
God Bless and Have a great week ahead!

Monday, March 20, 2017

500k Target this 2017


          On my first year of blogging last 2014, my only goal is to reach a total of P100k both in savings and investment & I reached it (Jan 2015-Networth post). On my second year of blogging, I have set a total of P200k both in savings and investment & its a success again (Jan-2016 lookback post). Last May 2016, I revised my financial goals (300k Target goal) and made it to simpler ones (May 2016 - Simplified Goals) and since its my third year in blogging my main goal is to reach a total goal of P300k and I'm proud to say that I reached it after I finish my P200k BPI Philam Insurance Plan. It was a big leap and a big addition to my financial portfolio.

          2016 maybe a year of financial crisis to me but it was also a year of challenges both on financial and personal aspect. It changed my outlook and attitude in facing problems. A usual "worrier" me now becomes an excited and looking forward being.

          This 2017, the start of my fourth year in blogging I've set my target goal again. I only listed three major goals this year.

 First, I want to complete my housing fund. Target P100k.
          My priority last year was to organize my emergency funds & I was able to set 20k for health emergencies, 20k for family emergencies, & 10k for my education. Part of that emergency funds is my housing fund where I placed my capital contribution account with its interest plus the extra amount I took from my emergency funds. Hopefully, when I get the remaining salary from employer I'd be able to complete it.

Second, I want to have a personal fund again. Target P10k.
          Since I'm done with my practice teaching, I will be taking another short course in TESDA. My classmates are also planning to take a review class for the licensure exam for teachers and though I'm a bit hesitant about that board exam still they advise me to take a shot on it. I might use my education fund and I plan to raise up another personal fund again.

Third, I will have a total of P500k both on insurance, investment & savings this year.
          Yes, you read it right its half a million target this year - a preparation for one of my long term goal which is to have a P1M total of insurance, investment & savings. Though I am unemployed right now, my Pagibig fund will have a big addition on it as soon as my employer settles their dues and I plan to continue paying for my Pagibig fund contribution. The completion of my BPI life insurance exceeded my P300k target last year and so I decided to aim for P500k this year.

          Now that I'm through with my practice teaching and other school requirements in my BTTE course I can now focus on my personal and financial goals. I am now unemployed but I have lots of plans running in my head again and I think I will have lots of adventures this 2017.


Just sharing my experiences.
Go for the goals again!
Have a great week ahead & God Bless!

Tuesday, March 14, 2017

Unemployed and Seeking for my Right as an Employee

          After my practice teaching and final demo teaching I'm back to reality- being unemployed, jobless and unproductive, the kind of feeling I really hate. Today, I was recalling some of the events I had in the company for the last two months because one of my officemate texted me to go to our office to claim the completion of my 2016 salary but she mentioned again to bring my resignation letter.
        
         While I was on leave for one & half month my officemate texted me that the company stops its production last Feb 28 & it will be officially close on March 30.  They had given me my partial 2016 salary of 10k last January and 20k last February that's why I was able to concentrate on my practice teaching without thinking of the expenses on both school & family needs. I was able to settle some of my credit card dues and save a little bit of it.

          The last time I went to our office was last February when they gave me a 20k partial 2016 salary and my boss required me to submit a resignation letter and I asked him--Sir, is it necessary?...and he answered, yes it is a requirement in SSS. Then I told him, I'll just bring it next week and he replied again, he needed it and told me that there is a draft resignation letter in the computer that I can use. I told my officemate not to bother I'll just bring it.

         That day I went to SSS office near our place and made an inquiry and they inform me that resignation is not needed- a "no earning report" is required if an employee is onleave without pay. They told me I can file a complain if I want to but I told them its not necessary because the company settlement is on process as far as I know.

        I still don't plan to give them my resignation next week and right now I am trying to figure out my reasons for not tendering my resignation if they insist. I know the rules of closure of company and the benefits of the employees but it's not the main reason why I do not want to resign. I know that our SSS & Pag-ibig contribution & loans are not yet settled and its the main reason why I am not filing a resignation. Although I trust his words that he will settle it after they sold their house and lot still I do not trust the circumstances that might happen in the future.

        I know "mabait ako or tanga ako" because no complaints or inquiry were made during those times that they ignore their responsibility to their employees. From what I heard, its somewhere between 2012 or 2014 that they stopped their contributions and loan payments of their employees. I understand their situation but they cannot force me to resign until everything is settled, di ba?

         There's this saying that I read in FB, "Love your job and but don't love your company because you may not know when the company stops loving you." True enough, I have given my heart in that company but now it seems that they do not care at all and they are not being totally honest with me.
          Kndly share if you have suggestions about my situation or if you have the same problem or experience as well.


 Have a great day ahead!
God Bless Everyone.

Sunday, March 12, 2017

FINAL DEMO DAY

           Nine students - the number of students who undergo practice teaching in WBNHS and last week was our final week of demostration.
          We were all stress last week as we prepare for our final demo. We were divided into three groups and that means we have three days, three programs/events, and three classmates to prepare each day for our final demonstration and we were the last to perform it.

          This is the day that the Lord has made; let us rejoice and be glad in it. - Psalm 118:24.
A bible verse posted in fb by my classmate to motivate all of us as we present our final demonstration that day.
           "Kaya natin to Ate Grace" - the encouraging words from one of my classmate. I was really nervous last Wednesday but glad that all of my classmates, critic teacher and students were supportive . Of the three students, I was the last to perform my final demo and when the panel and head teachers went inside I told myself this is it. Here's some clippings in my final demo:
Review, Motivation and Lesson Proper
Application and Presentation of Students
           One of the tip I got from my classmate before I held that final demonstration was- If I forgot something don't go back or if I made a mistake don't show it, it will not be notice. Another tip I got from my critic teacher is that - do not be conscious with your grammar otherwise you will get lost with the flow. True enough, they didn't notice that I forgot some details in my lesson plan. Lastly, it was my students who keeps encouraging me, "don't worry ma'am, we'll support you & kaya nyo yan." It is clearly shown how the students presented their artwork. It's one thing that I really love being a teacher.

          Finally, the judgment time - as you can see in the photo above, after the final demo, we sat in front of the panel and one by one they gave comments on our performance. We also learned a lot from it and regardless of the constructive comments we received, our overall performance pass their standards and that's a big "wow" to us.
          With all the adrenaline rush I had last week for our final demonstration, I can now breath normally and enjoy the remaining one week to teach my students. I love this journey!


Just sharing my experience again.
God Bless & Have a great week ahead!
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