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!
---------------------------------------------
It's sale today in robinson's galleria (and probably in other malls also). I usually go through inside the mall when going home because the fx stand is on the other side. But today, I was about to go in, opening my bag for the usual inspection and then, suddenly I changed my mind. I went back and instead passed on the side of the mall.
Haha - you bet I'm trying to avoid the sale! But why? Why do I have to avoid it if others are cramming to get inside. Well, we're trying to save. For what? I'd love to say it but it'll be more fulfilling if it's already done. So watch out for it....soon!
ciao!
Our little babies are growing up. i can still recall the days when they were just very tiny - as in. Both of them were only 3.3 lbs then. I can't even hold them properly 'coz I'm afraid they might get hurt.
But now, you won't notice any sign that they were delivered prematurely. So hyper active, smart and bubbly! They were able to memorize a lot of nursery rhymes already, recognize the alphabet and even the planets in the solar system (gosh..i was already in the 4th grade when i learned those things), elysia knows how to count to 100 and scieszka can now pronounce some of her words perfectly.
But then, when you get to leave your children with yaya or even lola and lolo, the kind of discipline that you want to teach becomes very difficult to achieve. My parents and i would even fight about what food should i give my children. They always insist that if they don't want to eat veggies, then don't force them to! And what happened? Elysia had an iron deficiency anemia and it needs to be treated for 3 months. They used to eat veggies when they were younger but now that they are growing up, they're starting to hate it. Is this my fault? If times are not as hard as today, I'd rather stay home and be with them so I can personally take care of them all the time. But then again, in these times of crisis, mom and dad both have to work to sustain the needs of the family.
So hard to be a working mom.....you have to worry about the budget, the kids, the food, the rent, the bills, your work and even your underground economy (a.k.a - extra income hehehe)
---------------------------------------
just want to thank some friends who added me to their links.
here's another thank you to thea for teaching me scrapbooking =)
