Throwing a party.

I had a very emotional chat with a friend a couple of days ago. Her younger sister is sick and she is very worried about her. It reminded me of the day when my younger brother got sick back when I was in college. It was a very bleak period in my life, in my family’s life. It’s a very trying journey for all of us but we were able to surpass it. My brother’s life ended, but the memories will always stay alive in our hearts. That’s what I told my friend. Expect the worse but hope for the best. And make the most of what’s left in her younger sister’s life. Let her live it to the fullest!

She is asking for my help in getting mexican party decorations for her younger sister’s fiesta de quinceaƱera. It will be a big party and, of course, I said yes in helping with the party preparations. We also threw a birthday party for my brother’s 15th, less than a month before he died. I remember him smiling the whole time. I knew it was a very happy day for him!

And that’s what my friend wants for her younger sister’s birthday as well.

Taking my time…

I am in the middle of some big changes in my work life. The latest update this net lord did affected my work-at-home life so much that I am now forced to make a drastic change to compensate for it.

But, lest you think I am mad or bitter over it, I am actually okay. I have finally accepted that some good things really never last. It was good, yes, and it gave me so much. I was able to spend so much time with the family while earning a decent amount of income every month. I was, and still is, hoping that it would last a couple more years but since I am about 75% sure that it won’t continue as I hoped it would, I have to take appropriate actions to continue to earn.

Sigh.

Sayang lang talaga. Who doesn’t want to work at home in your pajamas, surrounded by your family, and the income is more than enough to cover the monthly bills as well as the basics of the whole household? Yes, I was earning that much. Truth be told, in my heart of hearts, I am still hoping that the net lord will take pity on us small bloggers and will cut us some slack in this link business we are all involved in.

Lesson from failure.

I think we can all agree in saying that we have failed in something at least one time in our lives. It’s okay, actually. It’s okay to fail just as long as we learn something from it and that lesson is what we keep in mind. We use that lesson to make our lives a little bit better than it was before we committed the mistake.

I’ve had one too many mistakes when I was younger. I paid for all of them, some still haunt me from time to time. But I learned my lesson and I made sure I don’t commit the same mistakes again.

I am also proud to say that with those mistakes and lessons learned, my life became a little bit better as I age. I also learned that it is best to have something productive to focus on so that we are less prone to do something pretty lame which will lead to mistakes. Do you get my drift?

Want to know what productive activity I am focusing on now? Well, click here and you will know.

I am happy to tell you all that I have applied the lessons I learned from my past in several occasions where, if not for those lessons, I would have been in trouble. But thank goodness that I learned from my failures and kept those lessons to heart.

Book review: I Wish They Taught Money in High School.

I saw a post in a Facebook group where I belong to regarding this back-to-back book, I Wish They Taught Money in High School. I must admit that the covers alone caught my interest. Cute covers, don’t you think? And then I read the title and I immediately thought that the book was definitely for me! Very catchy!

I read the first one, I Wish They Taught Money in High School So I’m Not Dependent on My Paycheck by Clarissa SeriƱa-de la Paz. Let me tell you first that I was prepared to like the book. I wasn’t taught how to handle money back in high school but I knew that we didn’t have enough so I learned early on to manage what little school allowance I had. This book tells of the author’s experience in handling money and being taught by her parents. It also tells of how the author used Robert Kiyosaki‘s Cashflow 101. And so much more!

The second one, the other book at the back, I Wish They Taught Money in High School So I Can Start My Own Business Right Away, is, well, all about money and doing/investing in a business.

Let me just say something about the two books. Both authors grew up with privileged lives. They were not typical Filipino kids who struggled with their school allowances and all that. Growing up, they had parents who had enough money to give to them and to teach them how to manage it. They didn’t grow up seeing their parents cry over not having enough after paying all the bills. They didn’t grow up seeing their parents struggle with paying their tuition fees. I am not saying they grew up with perfect lives. But finance-wise, I don’t think they really know the meaning of stretching the last centavo.

This blogger, along with majority of Filipino kids, grew up with almost nothing!

I know that both books are meant to teach us how to become good handlers of money. I like that a lot! Now, I have enough so the book will somehow be able to help me handle my finances better. But majority of Filipinos in this day and age are minimum wage earners. I don’t think the book will help them stretch what little cash they have.

Let me focus on one lesson that Ms. de la Paz got from her mother. Always pay your credit card bills in full. That is one very good advice! But let me tell you what reality is. You apply for credit cardS because your paycheck is always not enough! You use your credit card for grocery shopping. You use your credit card to get appliances and furniture for your home in installment basis. You use it to pay for school supplies and other stuff that your kids need. When your credit card bills arrive, you pay whatever amount you can afford above the minimum amount due, and then you wait for bonuses and other work incentives to be credited to your paycheck before you pay for most of your bill. No matter how much the average Filipino worker desire to pay his/her credit card bill in full, when the take home pay is not enough, he/she can’t! And that’s the reality of it.

I appreciate the efforts both authors put in their books to teach us all about managing our finances. It is great that they want us to increase the value of our net worth. But the sad reality is that, no matter how much you want to invest in stocks, money market instruments, time deposits and such… no matter how much you want to put up your own business, if you don’t have enough, you can’t. Believe me, I’ve been there so many times in the past. Even now that I have enough, I have priorities I need to allot cash for before anything else.

Overall, the book is for Filipinos out there who have more than enough to spare after paying their bills. Both books are good but not meant for everybody, in my opinion. It is certainly not for me.

Note: I am really sorry I would like to give the books a more positive review but I have to be true to what I felt like after reading both.

Note-2: The book was given to me for free in exchange for a review.

Blogger’s note: This review was also posted in Addicted to Reading.

Collectors not users.

planner

I am terrible with planners!

I bought so many in the past that remained clean at the end of the year. Some, I wrote on in the first few months of the year and then I’d forget about it. Ha-ha! Terrible, I tell you! I think I love more the idea of having a planner than really writing something in it.

I think it’s the same with Jason. This guy just loves to collect pieces for his music room which he hardly uses. He would go to the music room, lock himself in it, and would just sleep in there with his musical instruments and equipment. His latest acquisition? A new nady encore ii wireless lavalier microphone system from guitar center! He wanted to become a band member when he was a kid but since his parents couldn’t afford his music lessons, it became a frustration that when he realized he could afford to give in to his dream, he started collecting but feels he’s too old for the lessons.

Well, I have two mini journals I bought last December. I told myself I will jot down important stuff in it but I think I’ve used about a page or two and I stopped. Again.

Jason and I, we’re more of collectors than users, I guess. How about you? Are you a collector or do you really use that one stuff you buy every time you see one?

For the first time.

1st time

Been a while, that’s the truth. I have so many things I want to do for the first time, like travel alone outside the country, but financial constraint prevents me from doing so. I know some people will say that it is an easy problem with an equally easy solution: save up! Of course, I can. But I have priorities that I need to take care of before indulging myself.

One of these days, though, I will do something for the first time, something from my bucket list.

;)

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