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Saturday, February 24, 2018

WARNING: Overdue Post, Publishing It Anyway

WARNING: Overdue post from the draft. Posting it just now. :)

The intention to write is overwhelming especially when I am idle on something. But, the thing is, I am having difficulty gathering the idea I wanted to share. My 2017 personal finance goals achievement were not impressive and what I had hope it to be. I am prolonging the idea to write about this, but, because I am accountable to this own blog and to myself, I have to. Other than that, I am not comfortable sitting with no output at all.

I am not into crocheting this week, because I wanted my hands and eyes to rest. I mentioned this on the other blog.

Yes, I was able to pay the consumer debts last year and I was expecting that freeing those amount of money could give way to saving more. Yet, it actually confuse me now, how on earth am I not fast growing my savings?

The reality is that when I get a hand with my payday money, it seems like it is evaporating in seconds I could not even get a grip of it. This January saw how I went back to over spending with dining out more often with friends and family. The imminent price increase on necessities and commodities hit my money to a lesser value.

This change is inevitable though. With the new tax law implemented the first of day of this year, it follows this price increases on every item we use. A chain of reaction.

However, our bimonthly pays haven't coped up yet with the new tax law. And it left me now, trying to discern, how else can we make ends meet.

I wanted our family of three to eat healthy, enjoy weekends, paid the bills on time , and still have something added in our meager passbook accounts. With the rate of things going, I really need to device more ways to earn, live simply without sacrificing the quality of food intakes, and enjoyment on a much rather free entertainment.

Okay, I hope that this February, there is no much eating out. This is doable since this is no longer my birth month.

I will have to practice saying 'NO' again. It is not because I do not want to be with the friends but because, my friends are mostly single and I have a family to take care of.
The loyalty cards we have from a local grocery has already 400 points equivalent to Php400 pesos which we have redeemed on Sunday for our grocery this week. Our viand for the week is now free.
I don't cut back on food. So maybe, we will go back with more home cooking this month and limits our dining out as a family.

There is a free shuttle to office and I will have to take advantage of it this time. I just need to go out early from home so I can make it to the shuttle on time.
Coffee is still free at the office. I have to remind myself of that.
I think I will have to accept orders for handmade crochet starting next week. But I will have to make sure to take it easy this time.

I have to cross my fingers that hopefully by next payday, the new tax decrease is already reflected in our income.

This will pass. As long as we are not actually dipping in a portion of our paper investments and no additional debt incurred, I think we are still good. Hoping, the coming months saw a gradual development if not drastic progress on our savings.

Sunday, January 14, 2018

What Is a Better Way of Living?

The idea of retiring early is not yet included in our topic as husband and wife. Although,  I often mentioned that I wanted to become a stay at home wife to my husband. Yet our wavelength is not yet in sync with the end results.

I am thinking that if I can prove that we can live on 50% of my current salary right now, then maybe, I can sway him a bit. I have been sending him the blogs I've been reading but his idea is for both of us to continue working so we can have a better life.

While I was walking after work yesterday, it dawned me then, what is a better life for us? And I wonder if I can bring the idea to him and define the better life he wanted for us.

Because for me, I am looking into defining it with being able to be free from stress on bills, having more quality time with them, nurturing the friendship with what were left, cultivating and learning new skills, spending less, more functional home items, personal development, and only working when I wanted.
Lately, I know I do not want a bigger house because if I have then definitely I will be filling it up with more furniture and so many things which in the long run were no longer of use. This explains why I am giving up some more of my closet items. Once I get the chance I will be opening up a couple more bags of these clothes and will finally had to let go.

Since 2015, I had been very conscious in buying new apparels although I sell clothes as a side hustle. If there are added new blouse or pants, that is because they were gifts. I try in as much as possible to be conscious with my weight so that I will not find the need to buy bigger clothes sizes. So far, I am getting used to it. If you know me, what I wore in 2010, still fits until today. Some clothes already shows its age but I really do not mind as long as it is still presentable to me. I am glad I love loose clothes before thus explaining why it still fits until these days. That's 7 years already and I could say that they are now more than worth the amount I had used to buy them.

Being not shown with new clothes on every occasion, I guess that helps build that I do not need something new every time someone invited me out on a dinner. If you will check my Facebook, you will probably be able to identify how many times I wore a t-shirt on any gatherings I have attended. But like I said, I do not mind.

I can eat scrambled egg or boiled egg for lunch. Even steam okra or eggplant and fish sauce. Even it is a repetitive choice of meals, I am fine with it.

I think I can live with less. But then, how will I know? Maybe, if I can convince the husband that this is a better way of living than almost always conforming with the current flow, I can have it. Right now, this is one of my dreams.

Right now, I have to be contented with what I have and focus on improving and developing ways to accomplish that. I have to live one day at a time.

In the future, my estimate is 9 years from now, that dream is already into fruition. I wish to go back to this entry and edit with see the outcome.

Saturday, December 16, 2017

So Appealing Idea ~ I Wanted Now

A few days ago, I was scrolling my Instagram feed and my attention was caught with a bio of an Instagram seller. Her bio indicates that she's a stay at home mom, an entrepreneur, and a crafter.

If I had viewed the bio before, I would usually cringe - my usual reaction to self employed individuals. I often think why they've chosen to be self employed when being employed give you the edge for other benefits. The employer pay more than half of your SSS (Social Security System) contributions, they pay half  of your PAG-IBIG Fund contributions, they pay half of your Philhealth contributions, they give you insurance while being employed, they provide healthcare benefits, they give 13th month pay (some even reach 15th month pay depending on performance), they give additional bonus,  they provide assistance on learning and education, and even more. You will not have to worry with tax computations and filing. The only caveat is that you are tied for an 8 hour or 9 hour or more (when overtime is needed) at work. Of course, you still have to do your best to get the best score in your performance.

My office mate often told me when we were single that when the time comes, she'll just stay at home and takes care of her children. I would nod, but at the back of my mind, I know I will not repeat the same feat as my mother.  It wonders me back then, how can she think of that when a single income household was very difficult to manage in terms of finances.

But that was just me.

Before.

Now that I have my 4 year old, I had this longing to stay at home, have flexibility with my time, work in my own pace, become a homemaker, and others things I wanted to do. Maybe it comes with mid life thoughts? Or maybe just too tired (or maybe the correct term is burn out) of working for 14 years today (Hurray, congratulate me!) that I wanted to break the routine? Or maybe just the hormones of PMS kicking in again?

But no, the thoughts had been lingering for sometime now. And I have been making certain plans to make it happen. I've been saving, saving, saving, investing, investing, investing, and learning, learning, learning more on what I should be doing once I am out of my 8 hour shift.

I spoke with a friend the other day and she told me that when she was in between jobs for 2 months, she got bored. Will I suffer the same feeling? Will I survive not working when this is what I know best ever since graduation? Will I look for a job eventually?

My thoughts exactly is I don't know. I haven't been in between jobs for any more than a month. I have been to 3 companies including my present but I haven't experience not thinking about work. I had 2 months maternity leave when I gave birth but I don't consider it as really a time off because I still get to hear news and everything in the office.

My desire to get out of work and become FIRE is big right now. Well, not exactly retire and travel the world. Maybe just a little bit of working on the side if I WANT to but that is the work which I am not oblige to do because there are bills that depends on it. It is IDEAL. It seems like it was impossible to reach by looking at my current status.

But this desire was fueled by people who have made it. They are real life people who made it at an early age and some working on it in the same age as mine. I accidentally click the site of the Frugalwoods and their lifestyle inspires me. And as I continue to read, I came across other bloggers who actually made it.
This made my hunger to being financially independent even more overwhelming.

I am eyeing a different spectacular against the beliefs on money I had been made aware of since childhood. The start was difficult and I am nowhere yet in the middle of the journey, yet, it is good to feel that I have started.

The idea that I have started this path where the topic of money handling is taboo to almost everyone I know of, gives me a little security and peace of mind at the end of the day.

I may have lost friends who do not understand what I wanted to do with my finances, but I gain confidence in myself knowing that I am now able to at least handle what I have been entrusted by the one above.

I do not know why it took me so long to do this, but I am glad I am here now. Still working. With few savings. Few investments. Debt-free. Insured. Learning. Cultivating new skills. Exploring. And grateful.