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When To Spend, When To Save

I was browsing at the internet for something to read when I found this article here. I just want to share it with your since I found this to be a must-read for everyone. 


Sometimes, saving money means spending more now, or it could also be the other way around. Money is just a paper but it’s as complicated as that. Here are areas where you can splurge and instances where you can spend less, or none at all:

WHEN TO SPEND:

     
  1. Health Investment. Yes, it is the most important. As what everyone will tell you, health is wealth. This doesn’t make you literally rich, but you will save yourself from hospital and medicine bills which is usually a big amount of money. You will not avoid being sick in your entire life, but if you manage to spend more to healthy options early on, the more you will save later.
  2. Choosing the best PC. At a first look and thought, you would always go for the cheaper one. But if you come to think of it, the best deals when it comes to computers are almost always not on the cheapest one. You want to end up with a lighter computer with better battery life and stronger processor – portability, longevity and speed are the main consumption of computer, if you settle with a not-so-functional-but-more-affordable one, expect to buy a computer again after a short period of time. Allot a budget for a good computer especially if you’re going to use it for work or any important matters. You don’t want to be welcomed by a blue screen on valuable situations, right?
  3. Building your house. It’s sure that your house is an investment itself, but be careful on your home improvements like upgrading your kitchen and adding a pool. It’s understandable that you want to maintain a comfortable home and you want to make it easier to sell, if ever, someday. 
  4. Go on vacation. It may not be advisable to some, but vacations are the most rewarding things because it gives you unique experiences especially when you’re with people you love. If you can, splurge on vacations especially if you’ve been frugal throughout the year.

WHEN TO SAVE

     
  1. Airplane Seat. Everything is absolutely the same; don’t make an effort to book the best seat. Promise, you won’t notice any difference on economy to business class. No, it’s not worth it.
  2. Extended Warranties. Any kind of extended warranties on electronics are more or less worthless because if something goes wrong, say on your refrigerator, it will occur on the duration of your manufacturer’s warranty. Also, the cost of extended warranties is almost of the same price of a new appliance. Might as well, buy a new one than spend it on extensions.
  3. Luxury Cars. For sure, it’s something to own a car, but be sure, don’t focus on something that will not be useful to you as the owner. Forget about pride and ego, save on car cost. Don’t buy expensive cars because you will pay far more than its worth.
  4. Kiddie Parties. Your kids, especially when they’re too young, won’t even remember you held a party. It’s great if you keep that fund for extravagant kiddie party for their college fund or emergency cases and your future self will thank you for that wise move.

It pays to know when is the time to be kuripot and when to splurge. Think twice or more before spending your hard-earned money, unless you don’t care at all.

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Wednesday Happy Thoughts



Every day is a blessing. Be thankful for everything. Here goes....

  1. Answered prayer. Yes, it's singular but I am thankful anyway. 
  2. Paid Leslie's tuition, finally.    
  3. And her first school week goes smoothly.
  4. Husband's coming birthday this Sunday. 
  5. Aily's kadaldalan. So cute.
  6. Beatles and 90's OPM playlist...a trip down memory lane.
  7. Green tea, for its calming effects. Much needed. 
  8. (Kind of) Effective time management.
  9. Letting go and totally happy about it.    
  10. The cold weather. Bitin ang summer but I had enough of the hot weather.       


Me and the birthday boy from our Cambodia trip. Happy birthday in advance Dad!


to know how this started and for credits on the image, click here.




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Independence Day



Today, Philippines celebrate its 116th Independence Day. And I, myself celebrating my liberation. I am liberating myself from negative people that keeps dragging me down. Those people that never truly care for me. That is only on my side when they needed me. Those that hurt me. You know who you are. And finally, I am letting go. I still care about you but I am loving myself more now. This is how it should be. So, goodbye now. Things will get better, you'll see.



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Today is Maleficent Day!


So excited for the special screening of Maleficent at Shang Cineplex later tonight. Thanks to Nuffnang for the free invites. I will be going together with my daughter. And as she said, we get to watch the cheekbones that can cut through steel. I read somewhere that Angelina Jolie's Maleficent look was Lady Gaga inspired. Just saying.

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20 Ways You Can Be The Best Friend Ever

Here's my guide on how you can be the BEST friend ever!

  1. Always have a listening ears and shoulders to cry on. Friendship is all about being there.
  2. Be trustworthy. What your friend share is for your own ears only.
  3. Respect each other. Know both your boundaries.
  4. Travel together. Create great memories. 
  5. Be loyal. Stick up to your friend.
  6. Always have a helping hand ready. Help out in anyway you can.
  7. Always have an encouraging words to say. Never let them down.
  8. But be truthful always. Be realistic.
  9. Share laughs. 
  10. Take a picture. It pays to have something solid to look at to when you were far from each other.
  11. Have a run away money ready. In case of emergency.
  12. Never judge. Each of us have their own reasons.
  13. In times of trouble always prepare an alibi for your friend.
  14. When your friend dies delete his/her internet history.
  15. Let your friend have other friends too. Never be jealous. You are not alone in this world.
  16. Be free to be yourself around them.
  17. Know their family. They are as important as your friend.
  18. Never fight (seriously). Resolve problems. Don't give up on your friendship.
  19. When you do something nice for a friend don't expect anything in return.  
  20. A real friend calls. And with GoUnli20, it's now easy to call without a need for a prefix and it's just P20 for unli calls, 15mb of mobile  surfing, and 20 texts to all networks! Kaya if you need a friend, don't call me, I'll call you!



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