Thursday, October 12, 2017

Job Hunting Series: Day 1 - Job Fair at Market Market

          For an introvert like me - staying at home with my family is a heaven that's why its hard for me to pull my feet out again of my comfort zone...but my desire to find a job was triggered when I saw the result of my calculated net worth. So I prepared 10 resume and a few photocopies of some of my credentials and went to the job fair last Tuesday.

Day 1
Job Fair at Market Market

          I went to Market Market where the Jobfair was held, register at the Dole booth and applied in five different companies :

1. HARTE HANKS -  is not included in that job fair but somebody approach me while I'm on my way to the mall and led me directly inside their office and immediately introduce me to the interviewer. I pass both the language and phone simulation test but they offered a technical support representative position which I think I am not familiar with so I requested the interviewer to give me time to think about it first.

2. TELEPERFORMANCE - pass the initial interview and referred for final assessment in SM Aura on the next day.

3. 24/7 - pass the initial interview and referred for final assessment in McKinley office on the next day too.

4. Alorica - pass the initial interview but didn't want the position and the account they were offering.

5. Intelenet - submit my resume and fill up some form and requested to be interviewed on the next day.

         It was almost 5pm when I decided to go home. it was a bit long and tiring day but I enjoy this job hunting experience.

Just sharing my experiences again.
Till then!
Have a great day guys!
God Bless

Sunday, October 8, 2017

Networth Update: HIT THE TARGET!

      Finally, after paying for last paying month of my laptop I can now say that I am really debt free. I now have the courage to calculate my networth and be able to estimate how much is needed to reach my target goal this year - to reach the 500K Target this 2017. But as I calculate my networth I was surprise with the result I saw in my calculator...YES, I HIT MY 500K TARGET !!!

          Yes, I know I'd be able to reach my first target 100k, since I deposited a portion of the last salary I receive from my previous company to reach it. I know I'd be able to maintain my 10k personal e-fund since I receive a 15k review assistance for my board exam...But reaching my third target which is 500k as early as today is really a surprise to me.

Here's the breakdown:

         I am now getting more and more excited in reaching my 1M goal. Hopefully, I'd be able to find a job so I can continue to reach my goals and dreams in life.

Have a really great week ahead!
God Bless Everyone!!!

3rd Qtr: Random Financial Thoughts and Updates

          I've been unemployed for more than eight months now. The last month payroll I signed was last January but I received the completion of my salary last March.

To date, I am trying to live within my side income of P 3000/monthly rent given by my brother and the remaining savings from my review assistance I received last August.

Here are some random updates I did these past few months:

1. I opened an atm savings account in Eastwest Bank. My reason - I closed my BPI Family savings account last year because I thought I will not use it anymore but I was wrong. I still need a savings account for cash loans should financial emergency situation arise. Good thing, I only need P100 to open that account and glad I was able to use it too in redeeming my FAMI shares.

2. Got my loyalty card in Pagibig Fund for P 100, started a voluntary contribution for P200 pesos only and my MP2 savings for P1000.

3. Glad I was approved in BPI Amore credit card application. I wanted a credit card that has no hassle in waiving its annual fee (BPI Amore card annual fee is perpetually waived). And what I do like most is the free access it gives to the customer lounges in Ayala Malls that my brother always teases me whenever we go to the mall. "Nanay at Tatay ko pede pumasok kasi senior, kapatid, hipag at pamangkin ko nakakapasok dahil may BPI amore card sya at ako naiiwan sa labas pero pede naman pumasok may bayad lang ang na P10, pero sayang din di ba? (my brother knows that I am kuripot and wont spent that P10)

4. I earned P2,000 cash credits in Eastwest member get member promo for the two approved members I referred, I received it last April

5. I earned P400 from selling Ice every month but I stopped selling now when I saw that there is a P1/kw increase in the billing this month.

6. I collect cans & plastics from our household consumption and sell them.
We pay P50 monthly for garbage collection  fee. We also give another P5 to the collectors every other day. But I saw them segregate our garbage and that gave me an idea to put it a separate bag and sell them after a month. Anyway, they were already paid for their services so why not save these trash and turn it into money. As what they always say-"may pera sa basura". Let's see how much money I can get from it after a year.

7. I collect some unwanted coins and deposit it in my savings account. Whenever I clean our house I always saw scattered 5cents, 10 cents, and 25 cents and pick them up and collect. I realize that it would be an addition to my savings account since the banks only gives .125% & .25% , I just think of it as an additional interes in my savings account.

         These are just some simple things I've done while being unemployed, simple things that contributes little things in my savings but great things in life. Like what I have written in my header, "All great things come from humble beginnings."

Till then guys.
Have a great day! God Bless.

Friday, October 6, 2017

Financial Update 2: Redeem shares at FAMI and MP2 Savings in Pagibig Fund

          Last August, I went back to Pagibig office to claim my loyalty card ID, pay another quarter of my contribution and request for a hardcopy of my total contribution. I was sad when I saw that the last payment made by my former employer was last April 2015 but was glad at the same time when I saw the breakdown of employee's share, employer's share and its dividend. Would you believe that the total dividend is higher than the shares made by the employer and employee, interesting di ba?
         Another financial step I made was to start my MP2 or Modified Pagibig II for P1000. I became interested on this program when I heard the news of the high interest rate of 7.43% they gave last 2016, you can also check it on this site -
          It made me rethink of my financial plans - since Pagibig fund is also a mutual fund I decided to redeem some of my shares in Fami and transfer it on my MP2 fund. So after a week, I went to FAMI and redeem my balance fund shares (3,793 shares) and a portion of my equity fund (1,150 shares).

         Balanced fund is the first mutual fund I opened last July 2014 since it is moderate risk fund I decided to have a dip on this kind of investment and gave three years on this fund to grow but unfortunately it didn't. Now I truly understand why banks are giving emphasis on risk when I inquired about UITF few years ago. But the good thing about attending financial seminars is that investors are prepared to take the risk and be able to know their risk tolerance. In my case, the 1k plus loss both in my balanced and equity fund is within my risk tolerance so when I redeemed my shares I already expected that it will have some losses based on the current market value of my shares.

          Going back to the main topic, the FAMI shares I redeem were directly deposited to my Eastwest Bank debit card and after it was cleared I withdraw it in their branch which is one block away from SM Aura and afterwards remit P17,000 in my Pagibig MP2 savings. Yes, I am more than a year advance which is really my plan to save me from the time and hassle of going back to their office every now and then.

         I still have some equity shares in FAMI, Philequity and Soldivo and I am still trying to figure out  on how to simplify my financial vehicles and re-align it towards my financial goals.

        So there you have it, another financial journey of a minimum wager...ooops - "financial journey of a jobless citizen", jobless nga pala ako ngayon. Promise mag-aaply na ko next week, I am just finishing the house assessment I applied in city hall para kahit papano may 10% peace of mind ako sa status ng lote namin.

How 'bout you?
Do you have changes in your financial plans?
Have a great week ahead.
God Bless.

Saturday, September 30, 2017

Financial Update 1: Continued my Voluntary Pagibig Contribution

          Hi guyz!!! Sorry I haven’t been around for a while, ‘need to focus on some important matters. I miss blogging and I really miss my blogging world – reading blogs from my favourite sites and writing my own post. I am still jobless, eight months to be exact but I promise myself I will apply next month. Staying at home is my comfort zone that’s why I’m having a hard time pushing myself again out of my comfort zone.

         Anyway, this post is still in line with my financial goals. Though unemployed, I still have some financial goals  (500k Target this 2017)   set in my mind to fulfill. Part of that goal is to continue my contribution in Pagibig fund, so I went to their office in SM Aura Branch last May. Their office was almost jampacked but they had a systematic way of attending to their client's need (i.e. electronic numbering and segregation of transaction) so it only took me more than an hour to finish my two transactions - to apply for the loyalty card and to pay for the continuity of my Pagibig Fund contribution. It was very easy, as soon as my number was  flashed on their monitor I went to the designated staff and presented my MID number, stated my purpose for continuing my contribution as a self employed and voluntary member then automatically they encode my number and issued a receipt for the month of May and June (paid P 400.00 for 2 months).
         Afterwards, my other number was flashed on the screen again for my loyalty card application. So I went to the designated area, the Pagibig staff helped me fill up the application, took my picture, paid P100.00 and in just few minutes, I'm done again. Hey, their loyalty card has lots of freebies and rewards, I just forgot to take a leaflet but promise I will write about it.
         And that’s it. As easy as abc, I am now an active Pagibig fund member again.

So there goes my Pagibig application journey.
Till then! Have a great week ahead! God Bless everyone.

Wednesday, August 9, 2017

New Savings Account in Eastwest Bank

          Hello guys!!! If you've been dropping in my blog once in a while you'll know that I've been unemployed for six months already but that doesn't mean that I can't save anymore.

           I sell ice, collect some scattered coins found while I clean our house, sell the household plastic cans & bottles (kalakal as they describe it), and the extra amount from the house rent I receive from my brother. These are the things I do at home to save little amount regularly.
          To gather these little amounts, I opened a savings account in Eastwest Bank where I can put all those amount I save. Would you believe that I only need P100 to open a Basic Savings Account here and for only P500 your money will earn an interest of 0.125% - the same interest given by other banks.

        What interests me is their low maintaining balance of  P100 only since this account is primarily set as one of my emergency fund and my separate account for all my earnings at home while being unemployed. I got to enjoy saving regularly without the worries of penalty if my account balance falls down on their required maintaining balance. Hey, its my emergency fund and it comes with the possibility of withdrawing most of its balance should the time of need arises.
        Another thing that encourages me to save in their bank is that their staffs are kind and accommodating especially for a small client like me. They would smile at me even if I deposit coins in their bank which is one of the qualities I am looking for in choosing savings bank. It's the same attitude of staffs that greeted me 22 years ago when I first enter the bank and open a passbook account of P100. Not going to mention its name but it's the largest bank now in the Philippines but they are not as accommodating as they were before.
          This savings account comes along with a debit card and a mini statement balance from their ATM machines so you'll be able to track down your transactions regularly. Their branch is located in South Market near  SM Aura where my mother and I usually hang out so its accessibility is  advantageous to me.

         There you have it, another experience shared. So even if I don't have a regular job anymore, I do save regularly no matter how small the amount is. Disciple is important in saving & investing and when we do it regularly it becomes our lifestyle too.

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

Tuesday, August 8, 2017

Another course in TESDA

          My mother knows how I hate cooking so she was shocked when she learned that I enrolled in a Japanese cuisine "Washoku" course in TESDA Womens Center sponsored by ABC Cooking Studio. I am not really interested in cooking but I am curious and fascinated on how these delicious Japanese foods (based on the stories of my two classmates because I do not really know the taste of these Japanese foods) are being cooked and prepared. Here are some memoirs of my cooking journey in TESDA.
          On our first day, we went to the different stores where our trainer bought the ingredients needed on the recipes prepared for this week training and we went back to TESDA to start the lesson prepared by our trainer or "sensei" in Japanese term. Nine (9) recipes were prepared for us scheduled from Monday till Friday.
for Monday and Tuesday
for Wednesday and Friday
last day activity
         We had a little celebration on our last day and finally the distribution of certificates was done on the last part.
last day celebration
distribution of certificates
         This training really caught my interest and now planning to dip my hands in the world of cooking,  a  lot of experimentation I guess, hahah. But seriously, I was glad I became part of this training, really amazed on how clean and discipline the preparation of these Japanese cuisine.

Just sharing my experiences again.
Till then. have a great day ahead! God Bless.

Tuesday, August 1, 2017

Another Big Day

         Yes, I had another big day last month. After my graduation in TUP, I also finished a 100 hour training in TESDA and it happened last July 11. It was a very simple ceremony but I consider it as a big day because of the fun and memorable days I had there that I will truly treasure. Here are some of the photos of the fun and enjoyable experiences in TESDA.
first week
fun days
fine dining set up
last day
        Initially, my plan was to recall the basic parts of speech and further enhance my english communication skills but I never thought that I will learn more. My trainer was able to demonstrate variety of teaching styles and strategies and I have learn a lot from her. And what makes this training extra special is the enjoyable moments I had with my classmates that I consider my new found friends.
happy to receive my certificate
         The course was intended to those who wants to work as a customer service worker and TESDA NLSI not only offers this English Prof course, they also offer foreign language course such as Basic Spanish, Korean, Japanese, Mandarin and Arabic as well.

          I may not be financially productive these days but I felt that this was the most productive year I had in my life. I maybe unemployed but I want to use this time and opportunity to gain more knowledge. I am now looking for the online courses in TESDA and Allison while I'm currently reviewing for board exam.

Just sharing my experiences again!
Have a great day ahead!
God Bless everyone!

Wednesday, July 19, 2017

"Minsan lang naman" Spending

          Graduation day... though it was a very special day to me it doesn't mean that I have to spend more on this occasion. I didn't practice the "minsan lang naman" saying that we should spend more money on this very rare event in life but instead I used it as a motivation to look for alternatives that can lessen my expenses on this special day.

On dress - Initially, my plan was to wear black pants and blouse but they told me it isn't suitable for the occasion. Luckily,  I ended up wearing the dress I borrowed from my sister in law. So why buy if you can borrow anyway, "minsan lang naman gagamitin, di ba?"
On jewelry - I spent ten pesos on my pair of earrings - yes you read it right, just P10 for the fake pearl earrings. I also found an old fake pearl necklace that I bought at P10 few years ago and used the pearl bracelet from Palawan given by my brother. "Minsan lang naman gagamitin" so why buy an expensive one, right?

On shoes - Initially my plan was to use my old black shoes with 1" heels but the school required a higher one so I bought a pair of bronze colored heeled shoes at P499 only. So even if "minsan lang naman gagamitin",  my mother told me I should own one because I might need it in the future anyway. (Can't borrow from my sister in law - her shoes has very high heels :))
New shoes / old bag
On bag - Well, we all know girls/women are addicted to bags especially on important occasion and I'm one of those guilty ones but I am sticking to my no spending on bag rule I set to myself last year. Fortunately, I found an old bag given by my cousin few years ago and it still looked good. "Minsan lang naman gagamitin, e" so why buy if you already have one anyway.

On make up - I actually plan on wearing no make up at all but after our yearbook photoshoot I became more concern on how to look more beautiful on graduation day. So I bought a cheap false eyelashes at P20 but my problem was who's going to put it on my eyelid. So my mother told me "hay naku minsan ka lang magpaganda, magpamake-up kana." So I spent P400 on make up and got an opportunity to wear that P20 false eyelashes I bought, "minsan lang naman di ba?". I consider it as a gift to myself, anyway.
final make-up transformation-with P20 false eyelashes
           So there goes my "minsan lang naman" story but whether it is a "minsan lang naman" spending or common day spending, we have to think thrice before letting go of our money. It's hard to earn money right that's why we have to spend wisely. How bout you? Have you had this "minsan lang naman spending moment" in your life?

Till then. Have a great day and God Bless.

Tuesday, July 18, 2017

Big Day

          Yes, my big day happened last July 3 at SMX Convention Mall of Asia - our graduation day. We left our house past 10 am and arrived at MOA at around 11 am as per school's advice but the program started at 1pm. We were tired and hungry but I didn't remember it that way because I was so happy and excited during that day. So to give you the glimpse on how my big day turned out, here are some photos:
With my mother
With my parents

With my classmates and our school's asst director
Resting while waiting - not used to wearing close heeled shoes
With my classmates
And of course our final moment on the stage
           The program ended at around 4pm and that's the time that I realized how hungry we were. We took our lunch in Mang Inasal with an unlimited rice meal and a big serving of halo halo, and we really max out our appetite with the unlimited serving of rice and their delicious special halo halo. Hey I need to be practical, right - no fancy restaurant for this special day but it was special for me because I'm with my parents and my kuya - sorry I do not have any picture of it because we were all preoccupied to ease our hunger that moment.

          So there goes my big day. Though not much happened but it was a very meaningful day to me - the fruit of my determination, the result of my hard work and the fulfillment of my dream all happened on this big day.

         Till then! Have a great day ahead!!!

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.


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...


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.
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