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Will I reach the finish line?

Written on February 22nd, 2012 by sassymomno shouts

Last week, I decided to register for my first running event. I did it mostly for my son, whom we think needs to have some kind of physical activity rather than always staying at home and play his console game. Everybody is into running nowadays, I guess I wanted to try it out for myself despite the knee trauma I acquired a coupled of years back. The doctor told me it should not stop me from having any physical activity. So I got the courage to register. No worries, it will only be for a short distance of 3km. The question is … Will I reach the finish line? Teeheehee. My son would surely have a good laugh if I didn’t.

Yesterday, I tried running with my friend and I only lasted for half a kilometer and the rest was just brisk walking. Now, I can feel the panic setting in but I am trying to set my mind. I do not intend to win any trophies or medals. I am doing this for my health and for my son.

I will not pressure myself knowing that I tried my best whatever the outcome may be. :-)

I love to accessorize!

Written on February 22nd, 2012 by sassymomno shouts

Anyone who knows me well would know that I love to wear accessories. As to how many my collection is, I have no idea. But there are a few pieces that I consider my favorite like the sterling silver jewelry that my former boss gave me as a send off gift when I left the company. Another one is the multi-colored ring I bought from a jewelry maker of whom I used to be a regular customer.

Just like make-up, I can’t go out without wearing any accessory even if it’s my watch, a bracelet or a simple pair of earrings. Fashion accessories can totally change a simple outfit. If you really want to be a fashionista, wearing fashionable dresses are not enough.

From scarves, shoes, belts, hats, purses and many others, these fashion accessories will define your style. Everyone carries their own fashion statement, young and old, even if you’re a man or a woman. Wearing accessories will enhance your look. So remember to always choose the one that will suit your taste and you will never go wrong.

Prom Night

Written on February 21st, 2012 by sassymomno shouts

Being a parent always has its challenges and rewards especially when you have a teenage girl. There are a lot of pressure from  people around them coupled with their raging hormones and the struggle to find a place in society. That is why it is important for parents to always be there for our teenage kids.

Recently, I had a chance to bond and share my hip and trendy beauty regimen with my teenage daughter. She attended her first prom night last weekend. We all know that for any girl, attending a prom is a milestone in our lives.

The preparation started a month before by choosing her gown, the next week would be the shoes and then I had to have her accessory customized for her gown.

The days before were dedicated to beauty preparation such having her nails done, waxing, threading, etc. And of course, the day itself has to be for the hair and make up. Oh my! My husband could only sigh at the preparation for this event.

Well, it was worth it. My daughter enjoyed the night. I feel so good to be able to be with her during the momentous occasion in her life. I know that this will have a significant and lasting effect on her. Even the smallest things count when it comes to spending time with our children, such as being there during their performances, going with them to buy their kikay stuff such bags, shoes, and even lingerie. Just to hear to your child say “Thank you!” is the most rewarding experience of all. Nothing beats that!

“Kids go where there is excitement. They stay where there is love.”  - Zig Ziglar

Credit Management

Written on July 13th, 2011 by sassymomno shouts

1LOANI admit, I am no guru when it comes to credit management. I have gone through the worst in cleaning up my credit cards. It’s a very good lesson but unfortunately I have to learn it the hard way.

So here I am writing, hoping that people might read this and learn a little from my mistakes. Especially those who are just starting to earn the moolah they have worked hard for.

Inflow vs Outflow – One important thing I have learned in order not to drown yourself in debt is to count the money you spend against the money that is coming in. To do that, you need to know how much you are earning daily and spend only that within that range. Better yet, if possible, devour only 80% of what you earn. To make it simple, live within your means.

Know your needs vs your wants - Essentials like food, shelter and clothing are what we need to live everyday. However, we need to discern what we need and what we want. If you happen to love a new style of bag or shoes, check your savings and make sure to purchase it only if you really can. If you can still live without it, might as well shrug off the urge to buy it. Oh, I know it’s not that easy … I can tell from experience but it can be done.

For instance when eating lunch and you crave for coffee, you can settle for a more affordable coffee rather than go for Starbucks. If you compute a cup of Starbucks everyday, that will be approximately P3450 a month (that’s only for a tall size!) Can you imagine the savings you can get? Not that I don’t like Starbucks — I love it! But I only indulge once in a while and when my budget permits it.

Use your credit cards wisely – If possible, make it a habit to purchase on a cash basis. Utilize credit cards for emergency and make sure to pay it in full. If you have the habit of paying only the minimum payment, that surely will land you a lot of trouble. Interest rates will soon catch up with you if you continue to practice this habit. If you are already in this state, work with collections agencies to write off your debts and try to negotiate a reasonable payment arrangement. Although, under the Philippine laws you cannot be imprisoned by unpaid debts but dealing with collectors can be stressful. And if you do not pay your debts, this will surely affect your credit standing.

List down your monthly expenses – Once you have done this list, you can identify the expenses and what budget you can work with. From there, you can discern which you can reduce in order to have a little savings.

Save up for the rainy days – A savings of 20% of your income is ideal. It is important to have money stashed somewhere in cases of emergency. We wouldn’t know when the need arises. Not only does it give us the emergency money it can even be used to avail of  a well deserved vacation.

I hope these tips are helpful. Personally, I still struggle everyday to keep my spending only for the essentials but I do fight the urge. I just look at how much money I earn today and only spend as much. If you make it a habit, you can do it.