Thursday, January 7, 2016

Where We At Financially This 1st Month Of 2016?

Ito na yun! The most dreaded revelation of my post as an update for - Where We At Financially This 10th Month Of 2015? blog post. With the financial difficulty on the 2nd half of 2015, achieve pa rin kaya ang 1M target at the end of 2015?

Hm, okey, sabi ko nga sa mga earlier posts ko, as time passes by, there are changes and revisions na nangyayari sa mga nauna kong plans. And one of them is the category I used to describe where our money went. Category lang naman. Same pa rin ang contents and the numbers as well.


According to my excel tracker, 101.65% achieved! Yey!

Ang liit ng deviation but I am super happy. The reasons behind are that most of my stock picks are still in red. The mutual fund in equities as well as the UITF in equities are also in red. Added to these are our insurances fund values which are also less than our expectations. So maybe kapag kumikita na rin ang mga funds, mas mataas pa sa 1.65% ang surplus? Unfortunately, mababa kasi ngayon kaya yan lang ang lumabas after I updated my file based on the published numbers on the sites.

What keeps it afloat are those of low risks investments in bonds, treasury bills, and the continuous addition of my company retirement fund. Also, the steady source of income from our small businesses which are all diverted to other income generating funds. Yes, thank you to the book of Riches Man in Babylon. The children of the children of the source should also be producing an income.

Yun lang, we really are living a frugal life style. Every cents are accounted for. It was only in December that we bought new clothes for ourselves. I know, I sell fashion clothes and I should be fashionable as well. Pero, if people wanted the item and to buy talaga, they will, regardless how the seller looks like. Note, sa online shop ko rin lang binili damit namin. Same is true with the Christmas gifts. Nakatipid pa rin ako kahit papano.

Yun din lang ang buwan na we let ourselves grab some things we crave for a long time in the grocery but could not force our selves to buy earlier because it is too pricey for someone like us. What also compensate our surge in grocery items was that we do not have any dine out last December.  Generally, it was because we've been staying on weekends in my parent's house so that my visiting 90-year old grandmother can see my 2 year old daughter. Yes, we are now four generations. :)

Right now, I am thinking, is it true what they say that going to 2nd M will be easier than getting the 1st M? I am ecstatic to write about it when it comes. I just hope it is sooner than what my excel tracker projected.

Just sharing. :) God Bless.

10 comments:

  1. Wow galing, nakaka-inspire naman. sana maka-1M din ako in 5 years time :) Good luck sis- go for 2M! God bless!

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    1. Kaya yan Miss Grace. Ang galing nyo po kaya. Consistent and determined po kayo kaya alam kong doon na rin po ang punta ng goals ninyo. :)

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  2. Ang galing naman sis! Ako halos magsisimula pa lang and super small amount pa.

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    1. Sis, I started very small. Negative pa nga eh kasi dami kong credit card debts dati. And I never thought na kaya. With God's grace saka will power, finally nakarating din. Kaya din yan for you. Good luck to us! :)

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  3. Stumbled upon your blog on PinasforGood's site :) Super nakaka inspire naman to. I hope I'd be able to achieve my mini goals for this year too :)

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    Replies
    1. Yes you can. :) Let's go for those goals. Thank you for dropping by.

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  4. Congrats naman! Galing-galing! Isa kang inspirasyon. Tama ka, mababa ang stocks ngayon, hindi ko na nga muna chine-check ang portfolio namin (haha) at bumibili ako pag may extra money kasi mura. Sana makarecover na ang stock market natin soon. :)

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    1. Sana nga po Miss Edel makabawi na. Matagal na rin po kasing red mga yung mga stock picks ko. Thank you po ulit for dropping by. :)

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  5. Congratulations! Galing! Kung irirate ang financial status namin ngayon, bagsak! Malamang, DQ pa. Hehehe. Hopefully, makabawi this 2016. Kelangan talaga close monitoring cash flow.
    Thanks for posting this. It's very inspiring. :)

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