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.

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.

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!

"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.

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!!!