Yesterday, I was not able to sleep very well because my son was very restless. I thought he was just not sleepy. When I touched him, he was very hot and I immediately grab the digital thermometer. It read 38.8 degrees celsius. My son has a fever. Since he don't drink medicines, we usually use suppository to lower his temperature. It was not an easy task because sometimes he fights back. But I am really persistent in finding ways to calm him down so we can insert the medicine in his rectum.
Many hours have passed and his temperature is not improving. He was very irritable and very hot. We sponge bathe him and gave him popsicles. Then on the afternoon, we finally decided to visit his pedia. I also had his blood checked to make sure it is not dengue fever. The pedia said it is viral or cause by the environment. Before he got sick, his cousin already had a fever. But we just want to be sure. My father in law even wants him to be admitted so he can be properly monitored. But I hesitated. Fortunately, he is okay now and is back to being very active. Thank God.
I used to have this problem of receiving my credit card statements a few days before the due date and most of the time, I end up paying it after the due date and being charged with a late payment fee on my next bill. Some credit card companies charges P600.00 or a percentage of your outstanding balance whichever is higher. I already called up the attention of the credit card companies about this delay and they will just tell me that "we are sorry for the inconvenience ma'am" and that they do not have any control over the delivery of the statements since they are forwarded to their chosen courier.
My solution? I enrolled my credit cards online so I can view my balances anytime and I do not have to wait for the statements to know how much I should pay. I only have two credit cards now, BPI EXPRESS CREDIT and CITIBANK CLEAR VISA and I can check my balances online anytime and anywhere. With BPI, you need to have an account with the bank first before you can enroll your credit card. With CITIBANK, be sure you have your CASH ADVANCE PIN when you are ready to enroll your account online because they need these numbers.
What are you waiting for? Enroll your credit cards now and avoid paying late payment charges due to delayed credit card statements.
People often asks me how much money do they need for a wedding. My usual reply is, how much are you willing to spend? For example, if you have P100,000.00 as your wedding budget, then plan everything according to that amount. Allocate how much is for the food and reception, wedding dress, entourage clothes, flowers, invitation cards, cake, and other wedding necessities.
Me and my husband have a very simple wedding. It was my inlaws who shouldered everything since my family really don't have anything to contribute monetarily. Even if I can afford a huge wedding, I would settle for a simple and intimate one. Some couples just want to impress other people just how extravagant their wedding celebration is. But behind close doors, they are drowning in debt. I think it is more practical to save some of that money for the future of your family. Besides, the journey does not end during wedding day, it is just the beginning of a very long and challenging life together as a couple.
Since December of 2008, I've been calling Rural Bank of DARBCI in General Santos City about my account. I also called PDIC and told me to just call them from time to time. Last month, there are already PDIC representatives doing their inventory at Rural Bank of DARBCI. I've been asking for their schedule on when to process the claims. They have not given me any definite date also. I make long distance calls every week to ask the same question again and again. Yesterday, I called back again and they told me that they will process claims of the SAVINGS ACCOUNT depositor first and do not have any idea on when the TIME DEPOSIT ACCOUNT holders can process their claim. I think I just have to call them back again and again. I don't badly need the money right now but I feel more secure if I already have it.
I always hear people complain about inflation, about work, about their relationship, almost about everything. I admit I used to be like that. I blame everything but me on my misfortunes and financial struggles. I tried to find ways to be happy and satisfied by shopping, going out with friends, collecting stuffs, and many other materialistic approach. And I only end up broke. After months or let us say years of trial and error, I finally found and practice the first step to financial freedom. That is MANAGING YOUR FINANCES. Because no matter how much you are paid for or how much money you have, you will still end up broke if you don't know how to manage your finances. And trust me, it is not very easy. It is a struggle and sacrifice you have to make everyday. Here are some of the things I want to share with you on how I start my journey on PERSONAL FINANCE MANAGEMENT:
1. Making a budget
2. Decluttering ( a post about this topic is coming up)
3. Stop collecting stuffs
4. Making a weekly meal planner
5. Monitoring your daily expenses
6. Saving money
7. Cost cutting
8. Using the envelope method
I am not a financial expert but I have my share of personal experiences on these matter and I hope you will learn something from them.
Me and my kids are living with my in laws. I know some eyebrows will raise and some will understand. And here some of the things I appreciate about my situation.
1. FREE RENT. My in laws' house is inside a company owned property so I do not need to worry about rent and amortization.
2. FREE ELECTRICITY. Our room is airconditioned 24 hours a day. It is only turned off when my kids are taking a bath and when we go out of the house which is very rare. We also have a television set and a refrigerator inside our room. We don't pay for electricity because it is paid by the company where our house is situated.
3. FREE FOOD. My in laws shop for our food. But sometimes, I am the one who buy my kids' milk and snacks.
4. FREE WATER. We drink water from dispenser and my kids get their milk water from there also. We also use mineral water for cooking. We can empty 1 big pet bottle in a day. P35 / bottle times 30 days = P 1,050. I already save P 1,050 a month for drinking water only.
5. FREE TRANSPORTATION. My eldest son is already in Kinder 2 and my in laws arranged a service vehicle to drive and fetch him from school and I don't even have to pay for the driver and the fuel!
6. FREE CABLE. We don't pay for our cable subscription. The company where I worked does.
7. SAVE MONEY. Since we do not spend much by living with my in laws, I have the opportunity to save enough money.
There are also issues about FREEDOM, DISCIPLINE and INDEPENDENCE about my situation. I admit I wanted to live separately before because I want to have my own decision about everything and do things differently. But when I accepted my situation and realized the PROS outweighs the CONS, I am very happy and lucky that I have a very generous and supportive in laws. Besides, they love our kids very much.
This is my very first post about EC droppers on my site and this is my way of saying thank you to them. Here's my top 10 EC droppers for the month of January 2009:
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