Kuripot Adventure

I was thinking to retire at the age of 35, but, it dawns on me 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.

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

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!

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!

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!