Why I am Ditching Hair Rebond and Color Treatment

10:13 PM Cindy 4 Comments

I have a natural wavy hair, and I admit having them rebonded like many times to achieve a silky straight hair. I first rebonded my hair when I was in my fourth year college until when I was working on my first job. Every December when I received my 13th month pay, you will see me on the salon to get my hair fixed.

Aside from that I also like to color my crowning glory using hair dyes. I often buy two boxes of hair colorant products to dye my hair because I have long and thick hair. But this year I am eager to ditch these hair treatments!

I summed up my expenses and the total amount surprise me with horror. It is too much! I felt like I'm wasting my money down the drain. Don't get me wrong, I'm not against people who love these treatments for their self-beautification. It's okay to do this as long as you can afford it, then go for it! No one will stop you but I am merely speaking for myself and ways to save more from my monthly paycheck.

Saying adieu to hair rebond is easy because I learned to love my natural hair two years ago. While the hardest is giving-up coloring my hair. I have two shallow reasons why it is difficult for me. First, it can lighten my skin, and lastly braids looks appealing if I have a colored hair. I know, I know it's too funny right?!

Thankfully, I am more determine to save this year. I think of it as a little sacrifice to give way to my brighter future. How about you? What are the small or big things you gave up or sacrifice for the sake of saving? Share your opinion below.

Photo Credit: Pixabay.com, Canva.com

4 comments:

My week recently: Stocks, Family Dilemma & Maxisaver

11:48 PM Cindy 6 Comments

Though it's only the third week of July 2015, I can say that the luck is in my favor for this month. I save enough amount for my savings. I am proud of myself too because I am now an investor. I bought two stocks; ABS and Crown last July 7. The first stock is into media while the latter is into industrial. Crown is doing good, but I don't want to sell my shares for now. I admit I am a noob when it comes to PH stock market and needs to learn more about the industry that's why I read more financial blogs, forums, and books now. Aside from that I will be attending a seminar on Aug. 1 regarding "COL 2015 Mid-year market briefing" and I'm so excited about it!

The situation in our house is crazy! My mom wants me to increase the amount of money that I gave to her for our viands. We have an allotted budget of 200 pesos for that daily. We had a long conversation about the issue. I respect her reasons why she demands an increase, but I have to explain to her why it is impossible for me to do it. I told her that we have a separate budget for rice and kitchen essentials (e.g. onions, garlic, seasoning and etc.). I’m glad that after our discussion we're able to resolve the problem

I'm planning to open a maxi saver account on BPI by the end of August 2015. The account is for an emergency fund. I want to have a separate account for my buffer account and emergency fund. I hope I can accomplish it before I turn 26. Wish me luck guys! Before I end this entry, I want to take this opportunity to thank you for visiting and reading my blog. Obtaining 500 visits is overwhelming! Kinikilig pa rin ako ngayon ng dahil dyan.

How many of you here invest on PH stock market? Are you going to COL Mid-year market briefing? Do you also have BPI Maxisaver account? Share your comment below. I want to read them.

Photo Credit: Canva.com

6 comments:

What the Heck is Buffer Account?

6:59 PM Cindy 3 Comments


One afternoon, I was busy browsing my Facebook account when I read a post from my friend Jethro (jethrosas.com). He posted something about emergency fund and buffer account. Curious about the meaning of the latter, I sent him a message asking him about it. He quickly replied and explained to me the meaning of buffer account.

As per Jethro, it is a spare money equivalent to my monthly income. If there’s a delay in my salary, I can use my buffer account to pay my bills on time without stressing myself or worst lend money to someone. Of course, the latter scenario is a big no, no.

After our conversation I'm eager to start and save for my buffer account next pay day. I guess I need to extend my shopping banned for two to three months to achieve it. Boo! Oh well I can do this!

I am no expert in this financial field, but I believe if I will start saving now I can have a debt free life and retire early.

What about you? Do you have a buffer account? How much are you willing to save for it? Share your opinion on the comment section below.

Photo Credits: Pixabay.com, Canva.com

3 comments:

Grammar Tools I Use: Grammarly.com & Slickwrite.com

11:27 PM Cindy 4 Comments

I am neither fluent nor perfect crafting an article using The English language. But I am trying to improve it. Thankfully, I have now Grammarly.com and Slickwrite.com as a weapon! These two tools help me a lot to improve my English composition.

Oops, I know this topic is way out of my niche, but you can choose whether you want to read this entry or skip it.

I found out about grammarly.com recently from my boss. He shares the link to our department because he wants us to improve our writing skills. I use this tool for contextual spelling, grammar and punctuations. I am currently using the free version but if I have money I would avail the premium because this tool is wicked! And another tool that I like is Slickwrite.com. I use it to check sentence structure to avoid too many adverbs on sentences. Unlike Grammarly.com, this tool is free to use!

What about you? Do you have weaknesses that you are trying to improve either on writing, savings or other things? Share your opinion on the comment thread below.

Photo Credits: Unsplash.com, Canva.com

4 comments:

Quotes About Financial Freedom

6:53 PM Cindy 0 Comments

I can’t wait for that day of having enough money for my emergency funds. This month I succeeded on setting aside extra money into my savings. Additionally, I didn’t buy make-ups or dresses at the mall. Hooray for me!

My secret is I have a sticky note displayed on my computer I use at work containing some of my favorite financial quotes I found on the web. Therefore every time I logged in on my PC that’s the first thing that I read and before going home. As they say, sharing is caring and because I want you to plan or take a baby step on saving I will post those quotes here.



My apology for my crappy editing skills but I hope you like what I've shared. Do you have financial inspirations or quotes that you would like to share here? Drop your comment below. I want to read them.

Photo Credits:
Pixabay.com;
Yuriy Khimanin on Unsplash.com - 1st image,
and Canva.com.

0 comments:

How to Transfer Money from Paypal to BPI Account: Easy Guide!

11:56 PM Cindy 141 Comments

I mentioned on my previous post that I used to have a freelance job and earned 4,000+ pesos. For three months I spend my weekends doing the extra job but ended it because my client doesn’t pay me on time. Oh well that's the drawback of being a freelancer.

They send me their payments thru Paypal and a week ago I withdraw my earnings on my BPI ATM card. If you are wandering what are the steps that I did, you can follow these simple steps below. Let's start first on connecting Paypal to BPI account:


1. Log-in to your paypal account; Move your mouse cursor to “Profile” and click the “Add/Edit Bank Account” in the drop down menu.

2. Fill up the needed information’s:
Bank Name: Bank of the Philippine Islands (BPI)
Bank Code: 010040018
Account Number: (Your BPI Account Number is the 10 digits at the back of your ATM card.)

When I withdraw my money I put the 16 numbers in front of my BPI ATM card and a representative of the bank called me to confirmed my transaction. They told me that I put the wrong account number instead of the 10 digits at the back of my ATM card. This is a bonus tip for you all.

3. After clicking the “Continue” button, this page should be displayed! Check if the information you entered are correct. If there’s no input error click the “Save” button. Congratulations, you are one step away from withdrawing your funds!

Now that you successfully connect your Paypal to BPI the next step is withdrawing your funds:

1. On your PayPal account page, click “Withdraw” then “Withdraw funds to your bank account”.

2. Enter the amount or the available balance you have in your Paypal account then click "Continue". Review the amount and bank account details to make sure it’s correct. Click the "Withdraw Funds" and you're done!


Note: There’s a deductions from Paypal and BPI; 50 pesos and 150 pesos for the latter.

Isn't it simple?! I hope you follow the steps with ease. If you have any questions leave a comment below and I will do my best to answer it. Hehe.

141 comments:

The Reason Why I Created a New Blog: Kuripot Adventure!

7:20 PM Cindy 4 Comments


You may not know, but I am the owner of cinscortes.blogspot.com; I can say that I am happy writing stuff on the blog until I realized that I have no specific niche. Plus some of the prices of beauty products I critic is a bit expensive! The outcome is it became difficult for me to create an entry having a limited budget to buy for makeup commodities. Then I got ban from Adsense, I took it as a sign for me to find what I want to write online.

The idea came to me like a flash to create a blog that focus on my journey on saving money! The scope of the blog is perfect because it will tackle my personal experiences on dealing with my finances. And I can share our family’s financial dilemma that readers can relate. Places that I plan to go on a tight budget and inform others on earning extra income on the side. With that in mind, I can’t wait to add articles here in my new baby! My former blog will remain active and I will still posting beauty reviews there, but I wish you visit this page from time to time.

How many blogs do you have? Are you still active on those accounts? What is your most favorite blog account you handle? Share the links and blogger experiences at the comment section below.

Photo Credit: Pixabay.com, Canva.com

4 comments:

My 5 Ways of Saving Money & Controlling Impulsive Buying

6:59 PM Cindy 10 Comments


I have been enthusiastic on saving! I’m hoping to reserve 100,000php amount for my emergency fund by the end of 2015. I can say that I am halfway there. But I encounter an unexpected problem, our financial expenses skyrocketed a month ago because of my parent’s arrival from the province. There's also an extra expenditure ruining my budget like I bought a beauty products and few hair accessories! Yes, I gave in to temptations. Haha. I won’t deny that I’m the one to blame why my savings plan is doom. To patch this problem, I lessen my spending and banning myself from shopping for a month. There are also other ways that I did to save money, here are the following:

10 comments:

My family’s Struggle a Year Ago and My Prominence

6:29 PM Cindy 4 Comments


We are five in the family; my father is a former company driver while my mom is a plain house wife. I’m the eldest among my two siblings and our neighbors label us “Tres Maria’s”. My dad quit his job June of 2014 due to pneumonia. Immediately I become the breadwinner and took the responsibility of paying for my youngest sister college education.

I work as a Digital Marketing Specialist on a BPO company in Makati. Despite of unexpected events we are still fortunate that Nina, my second sibling got a job after she finished her school. She’s working as a programmer and it was a big relief for my part. I have companion to shoulder the expenses in the house instead of myself alone.

On July 2014 my mom and dad decided to take a long vacation to Cebu because the latter needs fresh air. We thought it is good for his health to continue his medication there but we’re wrong. His condition worsens from pneumonia to TB. My mom told me that my dad skips taking his prescription drug and hasn't stop drinking alcoholic beverages during their first month at the province. I got mad on them but I don’t want to point fingers on who’s to blame. What my father needs at that moment was an immediate treatment.

Nina and I decided to send them financial support every month. And those are the difficult days because our expenses increase. For three months I did a freelance job to earn extra money. It was an answered prayer because the opportunity came to me when I need it most.

May 2015 my dad completed his medication! He’s feeling better and gaining weight.  Although he still take vitamins and continue his medication for his pneumonia. July 19 they got back here in Manila and we’re living on the same roof again as a complete family!

While my parents are in the province I became a mother for my two siblings for 11 months. Being the eldest I am force to learn how to cook, buy goods on the wet market and haggle on store sellers. I did the budgeting and managing our expenses. It was a tough role for me but I have to endure it for my family. Base from my experience it opens my eyes to increase my saving when it comes to emergency fund; I become wiser when it comes to handling finances and to think of other ways to earn additional income.

I learn that no one will help you when you are on the lowest point of your life but yourself and your family. People tend to forget you when you’re useless to them. Why am I saying this?! Because some of my dad’s close friends turn their back on us when he became penniless! I told myself that I don’t want those people to join my network. So yeah, I became picky on choosing friends. And you should do it the same!

I have so many stories to share here but you might get bore reading a long entry. I’ll save it on another blog post instead. When did you start savings for your future? Do you plan to have an emergency fund? What are the family trials that you and your family surpass together? Share your stories on the comment section below or post the link of your blog entry.

Photo Credit: Pixabay.com, Canva.com

4 comments:

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