I'm seeing these Instagram entries from financial accounts that I follow on my feeds lately, and I thought why not create a blog about it so that I can update my page here.
The flow is someone will put up an entry on 5 Non-money Facts About them and, they will tag five people hoping they will do the same. So without further ado let's start my 5 Non-money facts about me:
1. I love NOODLE dishes!
- I am a pancit eater! I love eating different style of noodles be it bihon, sotanghon (vermicelli), egg noodles or anything else.
2. I am super scared of millipedes, centipedes and snakes!
-Whenever I see these kinds of living things, I just run away as fast as I could especially for snakes or if I see a milli/centi I stomped them right away but if they are an adult nah I will just run.
3. I am not afraid of cockroaches, even if they are flying out of nowhere.
-The reason that I am not scared of them is that I can easily kill them with my handy dandy slippers.
4. I like to use my electric racket to kill mosquitos and flies at home
-Due to pandemic and because we are at home most of the time, I find this chore fascinating whenever I hear the sound of mosquitos/flies popping in my electric racket. Yes, I am that weird woman!
5. I am the eldest of my two siblings and, the only one that inherited a wavy hair from my papa.
I used to rebond my hair every December whenever I received my 13th month pay but I realized that I need to love my natural hair more!
I know this may be late but, I wish you all an abundance year this 2021!
Five years ago, I published my first net worth here in my blog. I was a newbie back then when it comes to savings, and trying to fix my finances on building my emergency fund to retire early.
I was thinking to retire at the age of 35, but, I realized that's impossible because I haven't diversified much my portfolio, hence, I change it to 45! I'm 30 years old now, and I have 15 years ahead of me to do it, so let's see if I can achieve that in the future.
Before writing this entry, I read my previous posts here, and I can't help but reminisce those years that I have a lot of uncertainties about what the future holds for me.
My last net-worth is not that high, but I was satisfied back then. I remember that I'm eager to have my 1 million. Now here I am sharing to you the good news. I'm happy to tell you that I finally achieved my first million after five years of savings! Yayyy..
| BPI Acct. | | |
| Checking | 10,400.00 |
| Maxisavers | 858,768.38 |
| 1st Savings | 70,000.00 |
| 2nd Savings | 5,018.26 |
| | |
| BDO Acct. | | |
| Payroll Acct. | 35,761.91 |
| | |
| Investments | | |
| Pag-ibig MP2 | 100,000.00 |
| COL Financial | 77,540.00 |
| SSS PESO Fund | 1,000.00 |
| Liabilities | | |
| - | 0 |
| | |
| Total: | 1,158,488.55 |
As you can see from the table above, I have no liabilities yet, but that will change soon.
My long time boyfriend and I are planning to buy a house and lot before we settled down. Hopefully this year we can buy one. The cash that I have under Maxisavers is the allotted money that I want to contribute to our house down-payment.
As for my investment portfolio, I am planning to invest on cooperatives, PERA, and blue-chipped stocks! Speaking of stocks, my COL Financial account is very RED right now which is not good.
Overall, I am pleased about the outcome of my net worth! I wonder how many more years will it take me to have another million?! LOL. If you will ask me if I'm feeling rich right now? My answer is NO. I just felt secure that I have that enough money to cover unexpected expenses (knock on wood) if there's any at this time of the pandemic.
What about you? Care to share what are your investment portfolio? How much did you earned from it? Care to share them on the comment section below. Thanks!
Photo credits: Canva.com and Unsplash.com
Hi, all thanks for sticking with me through thick and thin, though, I seldom post an entry here. I'd be honest that I neglect this blog, but I'm bouncing back again!
We are living in a new normal. Things are not the same way as before. For example, it is stressful now to go outside because you might pick-up the virus that we can't see. Entering establishments or restaurants nowadays requires you to wear a face mask and checking of body temperature at the entry point is an SOP. Transportation is difficult too nowadays since traditional jeeps are not yet allowed to operate here in the Philippines.
I am lucky that my company that I'm in, allow us to work from home before the community quarantine imposed in Metro Manila. Staying at home for the past three months I would say, has it's pro's and con's. Good, because I saved a lot of expenses on my commute, but bad for my mental health. I miss the social interaction with my officemates, going to the supermarket, dining in at fast-food chains, and more. These are strange, strange times not only for me but for everyone. However, I am not complaining as it is better to stay at home at this time than go and commute to work.
When it comes to my finances, I am holding more on my cash now. Most financial gurus are correct when they say we must have an emergency fund! It is very helpful to have one during this difficult time, now that we are facing a pandemic.
I can sleep peacefully at night thinking that I have a safety net that can save me. I strongly suggest that you should build an emergency fund this year too! Start with a small amount whether it is 5 pesos per day and increase it gradually once you adjust to your budget. What I'm trying to say here is any amount will do, but I want to emphasize that you should start saving now rather than later.
On the other topic, I haven't received our 3 months worth of utility bills (Meralco and Manila Water)! I read a few posts on my FB and Twitter about their sky rocket bills, but I don't worry that much on our end because I have an emergency fund to pay for those utilities. I still hope that the our bill is not that high though.
My only concern about staying at home is I have no physical activities to burn that extra, extra calories away! You can read
my 2020 NY resolution about my desire to lose weight. I've done much eating, but no exercising! Have I mentioned before that I am lazy to do cardio activities too? So right there, I knew that I have a problem. Maybe I should eat less carbs for now and stick to healthy greens.
What about you? Care to share what are your realizations during this time of pandemic? Share them in the comment section below!
A new year means starting fresh, or in my case, I just recycled these goals way back from 2018 and I'm wishing, hoping, and praying I successfully achieve those that I listed below this year.
I am a firm believer in writing down my goals because it serves as a receipt that I should not be slacking and wasting my time in doing things that will not benefit me in the end. It is safe to say that these will remind me to be more active. So let's begin!
1. Buy a house and lot, but it should be within our ideal budget. My boyfriend and I are planning to purchase a property before we get married. I want to own a house and lot with a garden because I want to plant edible greens!
2. Enroll in a short class, whether it is for programming, baking or sewing class. I want to do this because I want to earn extra income in the future.
3. Reduce my weight down to 49 kgs! I am currently 52 kgs. right now so I still have 3 kgs to go before I hit my ideal weight. How I've been so far?! Ang hirap bes pero dapat kayanin ko eto!
4. Get term insurance for me instead of VUL because it is way cheaper and invest the difference in other investment units.
5. Learn how to swim. I guess I need to learn this for survival purposes.
6. Get St. Peter life plan. For many, this may sound morbid, but hey, it is better to get one.
What about you? Have you created your goals this 2020? Share them in the comment section below!
Hi there, I almost forgot my blog here, until my boyfriend reminds me to update it. A lot has changed! I just turned 30 years old this year. Oh my, I'm getting older, but haven't achieved the 1 million mark yet in my bank account!
On the good news...I finally have a checking account! I opened mine at BPI because I have a savings account with them. I will make kwento about sa mga nangyari saken on 2019. Hope you will read my entry until the end.
Before the start of my birth month, which is October by the way. My phone got stolen by pickpockets at the Sucat bus station! It was an ordinary day for me going to work and yet that unfortunate event happened. I am shocked because it went so fast!
When I got seated on the bus I found out that one of my bag compartment was opened and my phone was gone. I remembered that I was dumbfounded that time while on my way to the office. Did I cry?! Nope. I just felt sorry for myself because I need to buy a new phone and that would be a big dent in my emergency funds.
I remembered that I took a day off that day because I can't focus. I also took that time to go to the bank to change my registered number and bought a new phone in the afternoon. I think that's the good thing about having an emergency fund. I can replace right away what have been stolen from me because I have funds for this unfortunate event.
Of course the phone that I bought is cheap, but it is the same brand which is Samsung! Malakas talaga ang pagkakuripot sa dugo ko. Haha.
One of the biggest blessing that came my way in 2019, is that I went to Australia guys! It is a work related trip, so all of my expenses are paid by my company. Sabi nga nila kahit may bad events na nangyari sayo may maganda pa ring darating! It was unexpected and that was my first time that I went out of the country and ride the plane too!
I would say that 2019 is a steady year for me. I have a stable job, and I still save a large portion of my salary because I plan to buy a house and lot
mga friendships! I've been praying for this to come true and hopefully I can achieve this 2020. For
my plan to enroll in a baking or sewing class that never happened last year.
To be honest I became a slacker guys on my goals, I felt
lang na need ko naman na magrelax and magpaprocrastinate, kaso na sobrahan ako. So ayun na nga, hopefully this 2020, mas may ma'achieve na akong mga goals ko.
Let's pray for the best guys that this year will bring more blessing to us and good health of course! Oh sya I will make kwento next time ng mga 2020 goals ko on my next entry!
Why I came up with that decision? My answer is simple; it is because of the interest rate that I can earn with BPI Maxisavers which is a bit higher than BDO and convenience. My company payroll is under BPI, therefore, you get the whole picture. Connecting the two account online means it is easier for me to transfer funds from my payroll account to Maxisaver. The table below is the interest rate on BPI Maxisaver:
 |
| Photo grabbed from: https://www.bpiexpressonline.com/p/1/326/deposit-rates-savings-and-checking |
Opening an account on BPI for a Maxisaver account is easy. You will need to bring the following requirements to your desired BPI branch:
1. A 1x1 photo
2. Two valid ID. I brought my unified SSS ID and company ID
3. Initial deposit. If I remember correctly my initial deposit that time is more than 50,000 pesos. The customer service representative asks me if I also want an ATM with passbook but I told her that I’m fine with having an ATM only.
Bonus tips: Prepare the following information below because you will need them to complete filling-up the BPI Maxisaver form:
1. SSS number
2. PAG-IBIG number
3. TIN number
After you complete the necessary forms, you will wait for 3 days before getting your BPI ATM card.
Once I got my ATM account, I didn't waste time and linked my BPI Maxisaver to my BPI online account. Here are the steps that I did to do this:
1. Go to
BPI Online Official Website
2. Log-in to your account
3. Once logged-in go to:
My Portfolio>>
Enroll Additional Accounts
 |
| Photo grabbed from: https://www.bpiexpressonline.com |
and tick the box "
Savings and Checking Account (with ATM card or Info Card)" then click the "
Continue" button. You will prompt to this page:
 |
| Photo grabbed from: https://www.bpiexpressonline.com |
Fill up the necessary information, click "
Submit" and you're good to go!
I'm claiming that this 2018 I can and will achieve my goals of having an emergency fund, you can read my
2018 recycled and new goals by clicking the link. I am so excited!
If you are asking what will I do with my BDO savings account, I will still keep it and planning on putting my buffer funds there.
How about you? Where do you put your savings? Is it in the bank too? Share your experience by writing a comment below. I would like to read them.
