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 wasn'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.

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!
Related Posts Plugin for WordPress, Blogger...