Traveling on a Budget

When I officially assumed the role of wife in our marriage, travel planning was one of the tasks I assigned to myself, with the hubby’s consent, of course. Actually, I’m the one looking into every single thing that involves money in our household. Traveling requires a certain amount of money, and so I have always been the one allotting a budget for it. This set up has been working out just fine for us, so far.

Ever since our wedding in 2012, our travels have been confined within the country. We have not traveled abroad as a married couple yet. (When we were still bf-gf, we got to travel to Singapore and Malaysia together.) Of course, we have plans to see more foreign countries in the future. One of our dream destinations is Japan. We have some friends based there and they’re more than willing to accommodate us during our stay there. I even have a cousin who has been working and living there with her family since the early 2000s and she’s long been bugging me to come over. Right now, we’re still saving up money for it and we don’t have any concrete plans yet.

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Lessons on Stock Market Investing, Vol. IV

Today marks my second year of investing directly in the Philippine stock market through COL Financial. So far, everything’s okay. I have a number of paper losses but my profit way exceeds its amount so technically, I’m just losing a part of it, not my capital. Also, as long as I don’t sell the losing stock positions, the paper losses will just be imaginary.

Here are more lessons I feel compelled to share with you as I continue on this exciting financial journey:

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My Guesting on ANC On the Money Show

UPDATE: I finally got a copy of the whole interview from ANC. Click here to watch it. Thank you. 🙂

Last May 23rd, I saw a comment from a certain ABS-CBN News Channel (ANC) staff on this blog post I wrote last May 6th. I also got the same message on my FB messenger. Apparently, ANC On The Money wanted me to guest on their show because of the said blog post. I initially wanted to decline the invitation as I was shy in person and I never thought I could do it. (I’m not even an RFP or someone who’s an authority on personal finance, so why me?) But the hubby convinced me otherwise. I later realized it was a once in a lifetime opportunity so I better give it a go or I’d regret it forever. Haha.

The taping of the episode where I guested in as a resource person happened on May 25th. I was presented as a blogger (of Life in Manila). I only had two days of preparation but I still did my best to answer the guide questions given to me via email on the evening of May 24th. Ngaragan lang ang peg, diba? But everything turned out just fine so thank you God and thank you to my prayer warriors (you know who you are)!!!

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How Frugal Are You?

I grew up in a lower middle class family. Ours was a one-income household until my father, the wage-earner, lost his job in 1999. Frugality became a clear concept to me when I started assuming the role of breadwinner in a family of six right after I landed a job fresh out of university back in 2004. How our family survived from 1999 to 2004 was clearly a manifestation of the great love and sacrifice of my parents, our relatives, friends of our family, and of course, divine providence.

Frugality as a Need

These days as a married woman, I still find frugality a very relevant concept as I try to be a good and responsible wife. Of course, it’s the same with my other roles such as daughter, sister, friend, and citizen. How can I not apply frugality in my life when I’m not at all wealthy and my income is limited? I have to be frugal if raising my own family and having a comfortable retirement are part of my life goals, right? But the more important question is, how frugal am I?

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The Thrill of Buying Things Using Money You Haven’t Received Yet

Some family members are still having a hard time managing their finances. As much as I would like to help them, only they can help themselves. If they will continue sabotaging their budgets and keep a maluho lifestyle, nothing in their financial life will change for the better. One of their money practices is buying things using money they haven’t received yet. Is there really a thrill from such kind of acquisition? Apparently, there is!

The idea that you can have the thing you’ve been wanting to have in advance by borrowing money from someone. The thought that you can buy the merchandise you’ve been planning to get earlier than schedule because somebody is willing to lend you money. The realization that you can get the things you want because you have some money coming soon and there are people that can lend you money right now. There’s a thrill there at some point, right?

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