On A Wonderful Day Like Today

Re-posting from a helpful site  since I want to take my professional and financial plans in perspective.  Maybe these will help me decide what to do and hopefully it will lead me to true financial freedom.  I want to be financially independent. I want to work (if I decide to work) on what I enjoy the most, not on what pays me the most. — Jose Anes, financial  blogger Paying for yesterday is perhaps the most important investment you can make in your future. Getting rid of those debts will buy you breathing room. It will buy a future of freedom. And it will bring your dreams — the things you really, really want — into reach. — Elizabeth Warren & Amelia Warren Tyagi,  All Your Worth  (Review) Your bills tell your past, but they also tell your future. Every debt, every monthly payment, every dollar you owe is a claim against your future. Debt affects what you can — and cannot — do about your future. And when you pay off the credit cards and IO...

I had few minutes to spare last night before my husband would arrive to pick me up in Makati so I decided to head for Landmark to buy some stuff for Zoe and for the house. The past days has been unusually more financially stressful for me with payday is still 2 days away. Bad, bad, bad. Anyway, entering the grocery, I brought out my cellphone and began computing as I put in every item in the cart. Good thing that in Landmark Makati, all goods have price tags in them (didn't realize how great this was until now). These are questions running through my head as I went around --- Now can I afford that jumbo pack of diapers or should I just get the small pack? Should I buy the biggest can of milk or settle for the mid-size? I didn't notice before that there were S-M-L sizes for eggs! Oops! Can I still squeeze in a can or two of corned beef or not? Tap-tap-tap. Decisions...decisions... The whole exercise was sooo stressful because I really felt the pinch. I texted my hubby saying how...

My friend at work came up to me today asking about the employee loan benefits that are available to us. She told me that she forgot to allot money for paying her annual car registration and insurance due this month. Since she totally miscalculated her budget for the month, she finds herself in a corner not knowing where to get the extra money needed to pay for her pending car obligation. I told her that she actually does not need to make a long-term loan from the company since she has a regular job anyway. All she has to do is to avail of a payday loan. You see, payday loans is best used by someone who has a steady source of income but who is in need of money right away and could not anymore wait for the next payday.

After a long and tiring day at work, I arrived home late yesterday evening and found a stack of insurance, utility and credit card bills at my desk. I took a deep sigh and worried about how we are going to pay for all of these. It was just payday last week but our disposable income is almost depleted. Blame it on the rising cost of gasoline and food stuff. I opened each one of the envelopes and started to mentally calculate how much more cash we would need to avoid default in the payments. I showed it to my husband and he told me that not to worry since he can still make a cash advance within the week. Good thing there is an available loan facility such as this. With it, we can manage our finances even if the next payday is still two weeks away.