Apoljuice On the Go

I cannot stress how much I appreciate  my keyboard. Of course  I'm much more accustomed to using a physical keyboard,  but this tablet makes me so thankful that I got it in the first place.  I'm able to do everything with  my keyboard and I could certainly get used to this method of typing using the new keyboard that I downloaded.  Anyway,  enough of that.  So tonight,  I can't help blogging.   There certainly is not much to say about my Road to Financial Freedom yet as there hasn't been much of a change.  I know for sure that I'm much more comfortable living now.  I know I don't have to worry  about fare,  food or expenses that coming up as far as groceries or toiletries is concerned.   May I use say,  quit his job. It's supposed to be a problem with  his company but with knowing him,  I know he got tired of work.   That's probably the excuse he gave  when go he got sick ...

The only ing that's keeping me from buying a smartphone is the fear if it being stolen. I know I could afford a 12,000. But for fear of it being snatched, stolen, lost or what have you, I'd very much rather stick to my basic phone. But I still can't help thinking how I would like to own a smartphone, and it's sort of killing me because I'm thinking frivolously again.  When I didn't have this tablet I didn't care about who posted what on the Web.  Now I'm beginning to care.  And now I'm researching phones to upgrade to when I know there's more places I can put my money in. I need a phone with a good camera, but I still love my full qwerty keyboard phone. A few if my choices that are within my range are the following: 1.  Sony Xperia SP 2. Sony Xperis ZR 3.  Cherry Mobile Cosmos X2 I'm basically hooked with the whole IPS display thing that you can find on an iPhone.  Although I have to admit, none of the devices I have listed even have IPS...

Sometime I see my old schoolmates photos on Facebook and see how they are in a different country now, or how they're doing so much better than I am.  Most of them don't have kids yet, but those that do are just doing peachy keen.  I have to admit, I have just recently taken the road to financial freedom, and I felt the need to have a car by 2019 which is 5 years from now. I also am aware that my children's schooling is going to require a certain amount every year, and I should start looking into that by next year. I wonder how much it's going to take for school. Can I squeeze in my investment opportunities? Jonathan will have to make do with our youngest, although I knows what kind of life she will have if I don't take over. By the end of 2014, my focus will be on my two daughters. No more playing around, and no more guys. Well, it depends of curse. Lol. But I more of that. So that's just a thought I had. I want to be where they are, abroad earning lots of mo...

Yesterday was a day well spent.  It enough of that.  Hopefully the next weekend will be the same. In any case, I'm going to be writing about new investment learning after tomorrow because I'm going to be meeting up with my friend's mom. Meanwhile I am thinking that my fool proof expenses stoplight should be along the lines of, "it should be less than 10% of the money that I deposited".  So if I want to spend something, and if it's less than 10% of what I deposited, then I guess I can spend on it. And then I was thinking, it's going to be hard. I actually have my budget for extra expenses. It's mostly for when I have to buy Alex something for school which almost, always happens. It's like she always has something to buy, and if I don't budget for that then I'm dead. So expenses wise, I'm pretty much safe. I could cover for a certain amount each time I spend the weekend out. I also have budget for extra expenses and then I have a set ...

I really do love writing.  I'd much rather write than anything else. Well read and write. I'm feeling hungry and sleepy at the same time. So anyway, back to the original issue, my mom took me up on the offer of watching a movie.  I guess she was bored. And I'm sure she's now assessing just how much it is I'm earning. That way she could ask me for money when she needed it.  I on the other hand thought I'd be a wonderful daughter and treat her to a movie. Well, I'm about to fall asleep, so I'm gonna get some food first. Posted via Blogaway

When I was back in Stellar, one if our Leadership exercises was to create a Vision Board.  We had to put our longterm and short term goals in this board.  While I didn't really feel it, the only tuning I was focused on was that my daughters would be good in art, Math and Science.  As it is, my eldest, Alexandra achieves high scores in both Math and Science, and Tyrese is just about to hi to school.  Funnily enough, I also did not feel particularly attached to the idea that Jonathan would be an integral part if my future.  I guess that vision board was something. Well, since it does somehow work, I would like to take advantage of the power of visions, and I would like to create a vision board that will help me achieve all certain aspects in life. I'm feeling over positive about the vision board this time, and this way, I have something to add to what I'm going to work for.  It is a good idea to place the vision board in an area that I would see it always ...

I figured that i just needed to keep myself busy, and try not to spend the money that's in my account. So I still haven't figured out a fool proof EXPENSES STOPLIGHT that will keep me from trying to spend.  Although I'm Proud to say that I have a pretty good idea where my money is going to go by the end of March. So admittedly, I haven't really finished off my debt with Ate Christy this year, and it might actually take me until the end of January to completely pay my dues off.  It depends of course, I would love to be able to pay off Ate Christy. I should definitely work on my budget for Next January because there are new things to pay for. I have to admit, I guess I gave in to my whim, but hey, it's a whim worth having. I'll be able to realize that when we get the electric bill. So this for now more for later. TO DO LIST: 1.  List of things that needed to be done by this month. 2. Goal-setting. Good idea! Posted via Blogaway

(This is a late post and should have been posted last December 15.) While I was on the rampage in finding blog posts that would soothe my craving to buy the stupid tablet, (it is stupid because I couldn't get it out of my head) I was able to somehow dig up some posts off of Bo Sanchez' Blog  explaining a thought I've had regarding what I'm going through at this time. It's number 5 on that blog post. See, I am now referring to the tablet as stupid because my Millionaire mindset did not cover wants and needs and cravings.  My Millionaire Mindset for the last 3 months only covered how to get out of debts, and how to ensure that I would no longer incur debt.  As it is, I've still got debt, and now, I'm reflecting on my current Expenses Checkpoint, I believe it will come in handy towards answering my questions about getting that tablet. My mind is itching to give all the necessary explanations and reasons why I should get that tablet now. If I think about i...

My mom will be happy to know that I have not had the computer on for more than Four hours, so that should help out on our bill some.  Well, on to the busy lifestyle of my tablet, I have downloaded the app needed to properly manage my expenses so this should work out well by next year. I have to admit things are going to be so different here than when they were before since Tyrese might be moving in here. But that's not the point.  The point is, I'm thinking about getting both girls a tablet to share and play with.  That way they can have something to do when I'm home and one of them can work on the computer. Of Course that means more internet connections,  more expenses. I haven't even factored in expenses of having Tyrese move in here, but obviously since I'm going to take her in, that would be a major change. I'll need to buy bags for both girls so I really need to take my expensesinto consideration now.  Also, one really cool thing about having this ta...

Once again, I'm burdened by Jonathan's lack of responsibility and how he seemingly has no regard for his daughter or himself.  His more as reported to me that he has been angry at the child lately which is something you do not do to a child.  Now we have to find someone to look after my daughter.  Once name kun in ko name so Tyrese, there is no going back.  He will never see her again.  When he's okay, he's nice to her but when he's drunk he's being bad to her? Listen to that other child in e next door? That is what happens when the mother is away from her children.  It is so hard to find the right kind of help nowadays and get someone to look after children.  They are so noisy and sometimes I know I'm like that to Tyrese. I'm too tired to look after her or do stuff with her.  I know it's very different from what other say, but I think it's because I'm over detached with what's going on right now that's why I'm being her hot temp...

 This week, I promise to be a little more detatched. We were talking about his work place, and how there was this other girl who was trying to ask him out, like if he was bored, and if he wanted to go malling or watch a movie, she could go with him.  I know I'm not supposed to care, but I do care and it sucks. So now, I'm not goingto care. Today, I'm so grateful for the weekend.  It's an actual weekend. I love it. By the way, my tablet's camera looks really effed up.  I wshoping for some other camera, but I guess thi would have to do. I'm not sure if it's supposed to be this bad, but this is supposed to be a 5 MP Camera.  It doesn't feel like it. Well, this for now, more for later.

I was reading the e-book written by Lianne Martha Laroya, and I remembered what my millionaire Mindset was.  I remembered that it was so that my children would never go hungry, that they would never again live in the dark, and that every time they asked me for something I could easily provide their needs and wants. I was reminded of why I wanted to live away from Jonathan.  Things were always dreadful with Jon.  We always had debt. For the last three years of my employment, I would always be loaning money from people.  It was dreadful.  We never had enough, my daily prayer contained everyone's health, and we would always be behind on our payments.  We would always need money for fare, and there were days when we only ate twice a day.  Two grown adults, earning respectable income, and we run out of money because we were too stupid to  about our future.  We were too busy with what we needed to pay, and spend for that we always spent the little...

If this method does not save me electricity, I don't know what will. In any case, I have now started using my tablet for most of the things I wanted to do.  It's been wayyyyy better than my computer which shuts off every 30 minutes of it being connected to the web.  That can get really annoying.  Of course its always easier and much more ergonomic to type on an actual keyboard.  So It's a little harder to blog, but hey, I can watch all the videos I want.  I have determined though that I might actually have to spend on this s far as internet is concerned, but I don't use as much so I'm guessing I can just make do with a Globe sim or something. It's going to be great for everything else, I love it so much.  I'm happy I can stick a micro SD card in my tablet, so I basically have 24GB of storage right now.  But it's reeeeeeeaaaally hard typing for this long on a tablet.  See I love the auocorect function if you're typing messages in English but not ...

So far I've been doing ever ying on my tablet.. I haven't used the computer much which should be good so that the electricity wouldn't be used up a lot.  I'm looking up make up tutorials.  I'm finding different stuff about acne coverage with makeup and when you see the girls that are doing the makeup tutorials, they seem to have worse skin than I do! It's so amazing! So I'm hoping I could pick up whatever information from these videos and hopefully I could find make up that is worth it and not as expensive to cover my scars. Well this for now more for later. Posted via Blogaway

Well I have to say I'm feeling less guiltier about buying my tablet.  It is well thought of, well-researched and I actually like what I purchased.  Now I don't know bout other people but I do say that I pride myself over the gadgets I buy online.  I am able to see which ones are worth buying and where I can get a good deal on them. I finally told a certain someone that I went ahead and got the tablet, and I don't regret getting my tablet. As a matter of fact, I'm very happy with my decision. I don't regret buying this tablet at all but I do feel guilty.   But the thing of it is, I didn't buy a phone, so this should sort of make up for that.  A tablet does so much more and yes, I don't actually regret buying it at all!  :-)  If I think about it, it's having something that allows me to do what I want to do in a larger scale but still allows me to keep what I spread have.  I don't necessarily need to upgraded my phone and getting this tablet h...

I have to admit, the excitement of getting a new gadget was  kinda taken away when I bought my tablet.  I was so busy worrying about whether I should get it or not and actually felt like In was shopping impulsively.  I've yet to load my stuff in this tablet so I'll be work in on that later.  Now I can shut up about whether I should buy the tablet or not.  One thing's for sure, It's not exactly the 16,000 kind of performance you'd expect in a tablet, but hey, it's waaaaaay better than most.  I seriously need a case for my tablet. Well, this for now, More for later! Posted via Blogaway

Well, I did it.  I finally went out and bought the tablet.  I couldn't help it.  I couldn't stop myself.  And now I'm blogging fro. My tablet! Still haven't worked some kinks out but well the only thing I can say is that I finally gave into myself and got the tablet.   Now I should be able to Call, text and browse anytime.

Okay, now that I've decided that I do indeed want to get a tablet, the next thing I'm thinking of right now is why I can't buy this tablet NOW.  Why do I have to wait until the 22nd?  I know I'm going to buy it, why should i wait until the 22nd? And at this point, my expenses checkpoint isn't working at all. That's why it's helpful to have a look at other people's blogs, and read about being frugal. BUYING THE TABLET NOW: I get to have the tablet now I can start watching movies I can start reading books I can browse on the Internet on it while Alex uses the computer. Impulse buying BUYING THE TABLET LATER, SAY IN JANUARY OR DECEMBER 22: Is just a week later than intended I'll still be doing what I'm doing now Which kind of bothers me in a way.  Why am I even being bothered with the way things are now?? I didn't need a tablet a few months back.  I didn't need a tablet to do anything.  But now I'm looking into r...

While doing my research on the gadget-to-be, I suddenly had this image of myself caught up in a frenzied crowd of people, throwing tablets every which way, with people yelling, "New! Released Today!", "Quad-core tablet, very cheap! Released Today!", "New Budget tablet! Announced Today!", "New Tablet! Recently Launched!".  Every techie website I visit for every single review I read comes complete with new gadgets just released today, or announced today.  It's like these brands come out with the latest model every six months. And if you've been doing the research long enough, you'd start thinking, " Is it too early for me to buy a tablet?  Should I just wait until the next one comes out?"  Well, I have finally reached that cross road.  I have decided on which tablet to purchase.  See above. I settled for this one because for a "budget" tablet, it is the only one that has decent reviews and decent specs on it c...

ONE: TO TABLET OR NOT TO TABLET Here it is.  I'm falling back to the old habit of trying to figure out where to put my money.  When I say trying to figure out where to put my money, I mean, trying to figure out ways to spend my money. My updated Expenses Checkpoint is proving to be a little difficult to come by. See, the struggle I'm undergoing in the fact that I need/want/need/slightly want/but incredibly NEED a tablet.  I'm overcome with all the reasons I should get it and all the reasons I shouldn't.  After days of mulling it over, and transition from wanting to buy an iPhone to falling in love with Sony Xperia to just finally deciding on getting a tablet, I've come up with the basic Pros and Cons of why I'm going to buy a tablet: PRO OF GETTING A TABLET It has the sames functions that any phone has, calling, browsing and texting capabilities Cheaper Easy to carry around if I get a small tablet If it gets stolen, it's not as painful as if I ...

There's a lot you could learn by playing Monopoly, especially the electronic kind, the one that goes on your tablet.  You learn how to spend your money wisely.  You learn that you have enough money to buy realty and land properties, and later on you also learn when to go full force on building your houses and hotels while ensuring that you have enough money for whenever you land on your opponent's lands with his own homes and hotels, and pay fines for landing there. Well, I could say I know that while I have a lot of money, not to use all of my money at one time.   The Wise Living  helps us figure out a set of things that we should keep in mind when handling our money. I myself need the basic few, which I'm determined to achieve by March 2014: My bank account should have at least 3-6 months worth of expenses as my savings.  Truthfully, I forgot what this is for. But I'm looking it up, and I think this is what is considered your base savings. ...

Well, today’s the day after my birthday.  I had a blessed day yesterday.  I have to say, I had fun taking the girls out and watching a movie with them.  I’m happy I’m able to do something with them. DISCLAIMER: This area contains profanity.  If you are allergic to profanity, you may skip to the next paragraph.  Jonathan made me fucking pay for the load na pinaload niya?? Tangina niya.  Singilin ba naman ako sa load, pamasahe? Putangina, eh kung siya kaya singilin ko?? Kaya ako nagagalit kasi talagang sinisingil niya ako sa pera!! Samantalang hindi niya naisip na ang laki-laki ng gastos ko sa utang na binabayaran namin! Tapos nakuha pa niyang maningil? Kesyo naggrocery daw siya kada cut off, kesyo nagbayad siya ng kung anu-ano. Tanga ka pala. Hati?? Pano tayo naghati sige nga? Paano ka makikihati sa perang kinakaltas sa akin nung lumipat tayo? Pakyu ka pala, bobo at tanga. Kung yung pera ay nakasangla eh di automatic ibabawas sakin yun. Anong pambib...

When I was first starting to save money, I thought I needed some kind of reminder whenever I felt like spending.  Something to remind me why I should not give into my cravings for a new book to read, or a movie to watch, or a new shirt that I saw online.  Why shouldn't I be giving into these cravings?  Well, at that time, I was still busy getting rid of debt.  Any extra expenses would only mean that I was tipping my bag of extra money a little over than expected. It's pretty common sense, actually: Buy a new shirt? YES! Why not? I need a new shirt! I've been wearing the same shirts day in and day out for the last 8 months. But wait. My money is just so that I have fare to go to work.  I just gave almost half of my pay to pay off debt. So all I'm left with is money for fare and groceries. Buy a phone! Yes, I need a new phone! My phone is almost two years old! But wait.  A new phone costs even more than I can save.  Besides, I don't want to sett...

It's been a few months before I was able to get back here and post an update to on my journey to financial freedom. I just came home from shift, so I'm not really in prime condition to blog about anything.  Oh, I just revisited my blog. So it wasn't actually a few months , but it was just a few weeks.  Well, a little over two months.  Anyway, no posts last October and November because I believe during that time, I was in the stage where I just had to let the pot simmer, and consistently pay my debts. Well, I am happy to report that November 22nd has come and so has December 7th.  My loan to Ate Lou has officially been over! I am free from one debt.   The only debt I have left over is my debt to Ate Christy.   This year, I'm planning to end the year debt-free from time-bound debts and so I'm going to deposit the entire amount into Ate Christy's account by the end of the year. So just a few things I'm polishing right now, and a few accomplishments that I ...

New classes have become available for Introduction to Financials.  Seriously, I could not get myself to delve into it.  It's just plain boring, boring, boring. I suppose I should buy a notebook to help me understand all this stuff.  After all, I just have to download the videos, and I'm good to go.  But I really can't get into it. However, An Introduction to Operations Management  is about to start two days from now, so I'm really looking forward to that.  I could certainly use the information and I could add it to my resume.  I am kind of looking forward to it, really.  I'd like to do anything that would boost my knowledge and credentials where BPOs are concerned.  So that's it, just an update.  I'm looking at two more months of living on an exact budget, and I'm nearly going to get information about Philam Life so I could get ready for my mutual fund thing. I really am looking forward to investing. It may be a little painful,...

I've been doing quite some research on investments and the stock market.  Admittedly, I haven't been watching the videos that I've downloaded.  I feel like I've hit a stop momentarily on the road to financial freedom.  As it is, I keep thinking that I won't be able to save anything, but just have enough than what I'm supposed to get.  I feel like I'm not going to be able to start actually saving until I've paid off my loans. Which is actually going to be better once November is finished. I've still a few months to continue saving. While I'm taking a stroll down the road and finding that it's not at troublesome as the paths I used to take, I've also been researching on acne and how to get rid of my acne scars.  Well, now, my acne has already been tamed. For the time being. Now, I'm trying to find a way to lighten the scars. It's going to take a month of a steady remedy.  But a colleague suggested using Hydrogen Peroxide.  Just wa...

Notice that on this new blog post, I have kind of edited the title so that it shows "Becoming a Billionaire".  For obvious reasons.  I want to become a billionaire. So, first things first.  Good news! Whatever it was, they included either twice the amount of my Sick Leaves, or they included the entire amount of my incentive.  Whatever it was, they've included it.  And I earned more than I was supposed to earn.  In short, the two cut offs that I've been bitching about my pay, they've made up for it this payroll period. Good job, payroll. Second thing:  I have seriously cut waaaaaaay below (just enough?) for my budget.  Obviously, I did not budget my groceries like my toiletries! But in any case, they are needs that I know I will be needing by next week.  I don't have shampoo or conditioner, so I bought shampoo and conditioner.  I admit I splurged a little bit when it came to the lotion, but hey, it's good lotion.  And I need colo...

I just wanted to rant for the next few minutes before I hit the sack. I have the feeling of impending doom.  Something that might possibly put a stint on my Financial Freedom.  Possibly.  And in the short term, something a little bit of a worry and frustration.   The thing is, they effed up the incentive scheme at work. They come up with this really nice incentive scheme, they build the excitement for the reps and make it seem like everyone's going to come out a winner.  Apparently NOT TRUE.  They suddenly come out with a few more amendments to the incentive scheme that wasn't clear to begin with. The only information we gleaned was that all sales were to be paid according to the bracket you fall in depending on your performance.  The higher your overall scorecard, the higher amount paid per sale. No references made to attendance or adherence with the exception of the ADDED BONUS should you hit adherence.  Other than that, no fine print as to how absences or tardies would a...

As I typed the title of this blog, I started thinking: am I limiting myself to becoming just financially free?  Should I want to become a Millionaire?  I guess it's because I'm afraid of embarking on a really big goal.  (Yes, I admit, having one million  to me is already a big thing.  It seems very unbelievable.) I know there are a lot of people saying (and even the blogs I read say the same thing) that having a million is actually achievable, it's just I guess it's something really big.  And I'm afraid that along the line, I might get tired or something.  But, hey why not push yourself to the limit?  Why not give yourself that chance?  After all, Lianne Martha Laroya said in her ebook , create your MILLIONAIRE MINDSET.   So this is going to be my Millionaire Mindset with an Update on My Road to Becoming a Millionaire! Okay, here's the blog post: So I was still on my journey of learning after a week of getting some rest, ha...

Well, here's another problem that I've encountered which is giving me a headache: the fact that my employer did NOT include the Sick Leave in my pay. Seriously. Here's what sucks. We're supposed to file Sick Leaves before the cut off, which we did. Because of the clinic's incompetence, the Sick Leave was not included in that cut off. However, the OM says that it WILL be included in this cut off, promise. Promise talaga. Lo and behold, it is NOT included in this pay out. To make matters worse, we're going to see the payslips after we get back from our off, and that's the only time that we can file for a dispute. And that dispute won't take effect until next pay out. The terrible thing is that I should have gotten this pay last pay day, and now it's been two pay days that the Sick Leave has not been included. I hate having to make kulit to the boss because I don't feel like she's actually keeping up with the job. I feel like she's...

You know what they mean when they say "One-time Millionaire".  It's when you get your salary on payday, and spend your money all in one day, or spend your entire salary in the span of two to three days.  Of course you leave enough money so that you can get to work.  But the point is, you're basically broke for anything else, and hopefully you're not going to have to borrow money until next payday.   Well, I know how One-time millionaires feel.  I've done it almost every other payday, but unfortunately during those times, I've been spending on bills, debts and still more bills.   Now, I'm not paying for anymore bills except to occasionally give my share to the house.  I'll need to find a house help for sure.  It's going to be really hard to do anything without a yaya for Tyrese, and my mom and I are in constant argument because of Tyrese. I need to be home early, and I can't because of my shift schedule and other things that are going on...

Well, I have to admit, it is hard to do the budgeting.  Imagine, right into the first week of my "Road to Financial Freedom", I was hit with a problem.  Tyrese, my youngest still had a fever, and it seemed like she actually would have to be confined.   Well, all budgeting flew out the window, and I took out an emergency loan.  Darn it, when everything was already planned, I get hit by financial crises like these.  Okay.  Did I just get an insight as to what may possibly happen, and how to better prepare for it?  Yes. I have to admit, while all that was going on, I let a bit of myself get away.  I felt a little pinch in my heart the same way when a certain Mr. Perfect said the other day that he was irritated because he was supposed to purchase this gadget from an office mate who was wishy-washy in decision making, was set that he wasn't going to get the gadget, and then eventually the office mate decided he would sell it to Mr. Perfect.  W...

Well, the only things I use the Internet for is mostly for downloading movies.  That's about it.  I said I'm going to make it work for me, but unfortunately at this time, I haven't. I still need to figure out where I'm going to get the PHP200 I'm going to need for Internet connection for next week.  But the point is, I don't really have much use for the Internet to tell you the truth.  I just use it to download, and learn about stuff.  But that's basically it.  No monitoring of anything of any sort at the moment.  Speaking of which, I'm supposed to send the list of memorial plan thingie to Tito Arman.  This for now, maybe more for later!

I have finally started filling the envelopes I made.  I literally made envelopes, and marked them as: The Expenses Fund The Tithes Fund The Fun/Support Fund The Emergency Fund Per Bo Sanchez, there should actually be 5 envelopes including a Retirement fund envelope, but seeing as how I have to clear out my debts, well, I can't do the retirement fund thing first.  So as soon as I clear out my debts, or as soon as I'm down to just one last debt, then I can finally start my Retirement fund.  That's projected to happen by the 22nd of October.   So going back, yes I have started my savings fund.  It's not a lot although it is more than I expected.  I know I'm going to be going into my Fun Fund, but that's what it's there for, and it's a separate account and it's supposed to contain 1250, however, since I don't have change, I'm unable to properly input that exact amount into it.  I guess I have to say I have the exact amount.  I had t...

I found these really nifty apps on the Chrome Web Store that you can add to your browser so that you can start budgeting money.  It's kind of a little complicated to use for some reason, but I hope I'll get through it.  I've started using EEBA.  Ugh.  I hate numbers. But I'm hoping I get used to using this method, then I'll be able to kind of like do the budgeting. It would have been better if I have like an android phone or even a notebook to take note of my expenses.  But oh well it's a start!

This is one of the things I could live without.  I could live without a two-year contract without a cell phone plan.  Why? I don't have clients I need to get in touch with.  I don't have agents I need to get in touch with.  I don't need to send text brigades to a hundred people in order to get things done.  And I only spend PHP350 on my cell phone load per month.  It's enough for calling and texting.  I don't really even text anyone much except for the occasional people and my friends, and at this time, there are only about 5 people I've been texting.  But at least my cell phone load is ready any time I need to make a call or send a text message. I don't really need to spend PHP500 on whatnot. I don't think I even need to invest much in Internet usage now, since I'm budgeting an extra PHP600 per 15 days for internet, and hopefully it's going to be lesser than that.  It's going to be P500 per 15 days now for internet.  Well, I hope to...

I have been talking about a savings plan for quite a while now.  So I sat down and since I have internet, I decided to do the research.  What brought this about? It was when I started staying here at home, and finding out that my parent's investments with Prudential Life Plans have been flushed down the drain. Yesterday, they had to go to that company to claim what my mother reported as a PHP6,000 check for a PHP125,000 investment.  What with their being senior citizens, they got the chance to get in a little ahead of time than most of the people there. But being senior citizens, of course they don't have the energy or frame of mind to tackle why they only received such a measly amount for the their investment.  All that hoo-hah aside, the point of everything as far as I'm concerned is that I don't have a penny to my name.  Okay. The initial point of this all is that, number one, I NEED TO SAVE MONEY.   I need a savings account. I need SAVINGS. Perio...