Showing posts with label saving and spending. Show all posts
Done with my endoscopy today and here I am, blogging as always. Because good news is...I don't need to stay in the hospital, yey!
While I was at home for the last couple of days trying to recover from my tummy tantrums (hahaha!), I happened to finished reading the book "Confessions of a Shopaholic" by Sophie Kinsella. I've actually heard about it a couple of years ago but I only had the chance to read it this month. It was really fun and hilarious! I just can't help wondering if it would be so nice to live in London and be up to date with the latest fashion. Hmmm...
As a woman, we always want to look good and most of us would always cram inside the mall whenever there is a sale. While checking on some site, I came across this online UK clothes shop. One of the fastest growing UK online clothing store, Divine Trash offers some of the very best high fashion brands.
I've checked the site myself and there are a couple of nice women's tops and long shits that are really tempting. They've even got a men's line. They've got some nice shirts by Fenchurch. They even have jackets and shirts by French Connection, jeans by Jack and Jones and Fly 53 clothing.
Anyway, back to the shopaholic thing. I can relate a little. Why only a little? Well, I don't go for all that signatured clothes and I don't have such huge debt from banks (I had a bit though). I was really really happy when I was finally able to pay it off. I will never ever hear an agent calling home again. Yes, those disgusting agents who feels like you owe them 400K when it is only 40K (something like that). The threats, the attitude and everything. Well, to be fair, they are not bank agents. Bank account managers are more considerate and they don't yell at their customers. The agents I am talking about here are the agents from all these collections agency who are dying to get a collection to get their commissions.
Oh, by the way, the book has now become a movie. And here, watch the trailer and enjoy. I am definitely going to watch this!
savings can really do wonders to your financial stability.
though earning is tough and spending is easy, i say - saving money is much more difficult. sometimes, it is easier said than done. saving over spending is pretty much more challenging.
here are a few tips for mommies out there on how they can save a little:
- cut back unnecessary expenses - this could be unnecessary items in the grocery list, a new appliance that will not be used often, additional electronic appliance. check your daily expenditures and see what items can be removed from that list. you will be surprised that most of the items you frequently buy are really not necessary.
- create a grocery list and stick to it - when doing the grocery, prepare a list of i-need-to-buy-this list. these should contain all your home and living necessities only.
- cut back electricity bills - on cold weather, you may opt to open your windows instead of turning on your air conditioner. this can save you a lot on your monthly bills. check advices from your electric company on how you can cut your bills.
- teach your children to save early - saving should be an essential lesson in the family that the kids should learn early. this could bring them to good money handling habit in the future. teach the kids the importance of saving and that money is hard-earned and should be spent wisely.
- set your budget - be it on a weekly or monthly basis. of course, your budget should be reasonable enough.
- leave your credit cards at home - these cards should only be used for emergency purposes. leave them at home and pay in cash. overspending often comes from these cards.
the past few years have been very difficult for us- financially speaking and as time goes by, it seems it's getting more and more difficult.
this year we hope to get some improvements (thanks for the annual and promotion increase). and we also had to learn how to control our spending. even with the increase, we have to learn how to budget strictly. not that i am getting stringent on the finances but i don't want to suffer more. i want to be financially free...soon!
working towards the goal of being financially independent is hard but sure it is well worth it. the years you've spent saving your hard-earned money will eventually lead you to success and even more. however, this is a long term plan and one should really plan well for this. re-asses your financial status and see where you are right now and from there...make a move on how you can attain your goal.
i checked on our HDMF loan today (loan that has been left unpaid for a couple of years already) and to my surprise, it has been fully paid! pag-ibig has deducted our loans from our contributions. isn't it great?
hope SSS could do the same - well, thinking about impossible!
---------------------------------------------
