If there’s one thing I used to hate myself from doing, it’s my not sticking to the budget I set for myself. Whenever I’d overspend and lack funds to pay for my bills, I’d blame myself for not taking my finances seriously.
Fortunately, I’ve learned my lesson already. I now look at my finances in a more mature way. I make it a point to pay my bills on time and down to the last centavo. The good result? It saves me from headaches and panic attacks. Plus, it gives me peace of mind knowing that I get to pay my obligations and track my money well.
Continue reading “On Sticking to One’s Budget”
Last weekend was quite bitin but still fun. We went home Friday night and left for Manila Sunday evening instead of the usual Monday morning. We just slept and ate and cuddled and the cycle just repeated itself. On Sunday afternoon, we attended the house blessing of our friend at a high-rise condominium in Makati.
These days, investing in real estate is popular whether it’s a town house, a single-detached house and lot or a condominium unit. That friend of ours, who works as an engineer in Japan, plans to have his two-unit condo rented to augment his monthly mortgage payment. Good idea, isn’t it?
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I noticed that after I got married, my spending habits have changed dramatically. I don’t have the urge to shop now. That or maybe, I’m just not overly exposed to the things women love (e.g. clothes, shoes, jewelries, etc.). And it doesn’t help that we hardly hit the mall these days.
As for the hubby, I think he’s also changed. It’s a given that he’s very fond of gadgets. He’s a techie, after all. If I’m not mistaken, he plans to get an iPhone 5 this year. He also loves looking at cars and model kits when we’re at the mall. But these he can’t buy in an instant as we’re still paying for our car. Haha.
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I have this list of dreams in an Excel file kept inside my PC which I update whenever I think of a new dream I want for myself. One of the dreams I have the pleasure of keeping alive in my heart and mind is putting up a necklace business. This is known only to a few but I have a penchant for necklaces. I love wearing them and I love making them, too. Yes, I can make my own necklace made from scratch or from recycled materials.
Actually, I already have a name for my necklace business but I won’t tell anybody just yet. Clue: it’s a secret name derived from a brand of headphones. Haha. Soon I will make my necklace business dream come true. I will sell different kinds of necklaces, from bead necklaces to stainless steel necklaces, from those made from conventional design pieces to those created from indigenous materials. I will make them all and change the world of fashion with my necklaces.
Continue reading “A Necklace Business”