Out of Budget: Is this really happening?!

Hello! How have you been? As I mentioned on my previous post in which you can read here that I totally ruined my savings. It is kind of frustrating on my part because I have set an amount that I need to accomplish before this year ends.


My spending culprits are: buying lipstick from a warehouse sale, paying for my father's medicine & check up, plus college miscellaneous fees of my youngest sibling. My list of expenditure is crazy and given that situation makes me want to cry in my room like Anna in Frozen. LOL. Joke lang!
I admit that I became lazy and unconscious of my spending because of what have had happened but I need to stay on track for me to have a brighter future. Naks!
My big chunk of purchase item was when I bought an automatic blood pressure for my parents which has a retail price of 7,150 pesos.

I am lucky that I have a Mercury coupon of 357.50 off on the original price. Plus I also earned a 3% rebate from BPI amounting 203.78 pesos, therefore, I only paid 6,588.72 pesos for it. Hooray for couponing! I'm planning to buy a nebulizer soon for my mom who has asthma. But that thing can wait maybe next month. Hehe.

And now is Friday and I can't wait this day to come to an end! What about you? How's your week so far? Feel free to leave a comment below. I’d love to hear your stories!

Photo Credits: Pixabay.com, Canva.com, Spellsaab.com

My First Cash Dividend from EDC


This news came to me as a surprise. I was shocked and turned giddy when I read the email that I was given a cash dividend from EDC! Hooray.

Oh my gosh. Though the amount is fairly small, I am still very thankful for this blessing! As I've read too many financial blogs, I can say that I have now experienced having passive income. My money works for me and not the other way around. Hehe.

I've hadn't experience capital appreciation yet because I am still waiting for my stocks to turned green on my portfolio before I bid them goodbye. What about you? Did you receive your cash dividend or stock dividend from your investment? Share your stories below.

Photo Credits: COL Financial, f.tqn.com

Birthday Plans, Savings Update & Passport Appointment!

It's now October and what I love about this month is I will be celebrating my birthday on the 20th! Yes, I am getting older but wiser. Haha.

I thank God for all the blessing that He have given me especially the wisdom that I learned through the years. My only wish is that my family and I will have a healthy mind and body. Since this is a financial blog my plan on my special day is to celebrate it with my family. I have no plans of throwing a fabulous party because I will pay for my youngest sibling's tuition fee for the upcoming second semester. Yes, education is my top priority right now. Next year, she'll be graduating from college, and I will be the happiest sissy by that time. Hooray! Ang hirap kayang magpaaral ng college. Huhu. Namumulubi talaga ako kapag may bayaran sa mga project si kapatid!

I bought a new pair of flat shoes! I fell in love with the shoes simplicity and when I tried to wore it-- it is comfortable! The only thing that I hate about the shoe is the price. It is expensive! But that's okay after all this only my second time to buy a new pair of shoes for this year.
I earned a 3% rebates from BPI because of my purchase item. Yahoo.

On the 17th, I have a passport appointment at DFA Alabang. It's my first time to get one and totally clueless of what will the process look like. Hehe.

About my savings, I ruined it! And my stocks are not doing good too. I can see green, but there are more red on my portfolio if you know what I mean. Honestly, I have two rubbish stocks on hold. I want to get rid of them when the right time comes. Of course, I still wish I can gain a little amount like 100 pesos or higher than that so let's see. I try not to keep an eye on my account because it will only give me stress. Haha.

What about you? Do you have any plans for this month of October? How's your saving? Share your comments below.

Photo Credits: Canva.com

Sept. 2015: Life Updates, Stocks, Budget Plan & Achievements!


Hey, I'm back! Forgive me for my long hiatus here in my blog. I've been busy with work and other stuff at home that's why I haven't posted anything here. While I'm away here are the things that happened in my life.

The majority of my stocks in my portfolio are in red status right now. It means I am experiencing a paper loss, but that's okay. I plan to hold it for months or a year before I sell them. I'm wishing I can gain 10%-15% capital appreciation through my stocks so let's see what will happen.

When it comes to our house budget, I can say that I fail miserably in this one because I only save 18% of my salary. I know it isn't a bad thing, but it makes me sad that I didn't meet my goals. Hopefully, I can achieve 20% savings this end of the month. I'm crossing my fingers for this one!

September marks the beginning of "BER" months. I can now hear Christmas songs in our neighborhood and even at the mall! Filipino's truly loves to celebrate the yuletide season. Hehe. I know it may sound extremely frugal, but I already set a budget for my godchildren on Christmas day. Why am I planning this too early? To avoid overspending and, of course, panic buying.

What I love about this month is the achievement of my boyfriend who successfully passed his licensure exams for registered electrical engineering and master electrician on his first take. As his girlfriend, I am very proud of him. All his hard work paid off.

What about you? What are the good or bad things happened in your life lately this September? How's your financial goals? Feel free to leave your stories below.

Photo Credits: Canva.com

Life lately + Savings Update


Hello, readers! Sorry, if I've been missing in action here in my blog for I have to two seminars line-up for this month. The first one is the COL Seminar (free) while the other one is Digital Marketing seminar (I paid 200 bucks for this one) which is related to my career right now. The latter event that I attended gave each attendee a certificate and there's a free meal too! I can say it is worth it because I can use the document for my job hunting next year.


For this half month of August 2015, I save more than 20% of my salary and put it into emergency funds. Yay! I also didn't go to the malls even if there's a makeup sale. Heh!

To divert my attention, I clean my closet instead. Oh boy, it was therapeutic! It's unbelievable that I have kept my old clothes way back in high school and college. Haha. Too bad those shirts and skirts won't fit me anymore. I decided to give them to my less fortunate neighbors.

I'm happy with the last two weeks of August 2015 because there's a long weekend due to a holiday that falls on Monday (Aug. 21) and Friday (Aug. 31). Yahoo! It means I can save a small amount of money because there's no work and more relaxation time at home. What about you? Do you have any plans for this upcoming long weekend?

Photo Credits: Canva.com, Pixabay.com & Lyra

Calculating My Net Worth: August 2015

I have seen many financial blogs I frequent to read online publish their net worth. An idea pops out on my head, why not I create an entry on my blog too! I grab a pen and paper and jot down my assets. I did a mental computation for I have only a few cash and property.

The figure is lower than 100K and far behind from other financial blog's net worth that I've read, but I don't mind. In fact, I feel proud of myself for achieving that kind of amount. I am now more inspired to add more and tally it again at the end of this year.

On the other change, I am now torn between opening a BPI Maxisaver or BPI's Save-Up Automatic Savings + Insurance Account. I'll make a decision once I sort things out.

What about you? Did you compute your net worth this month of August 2015? Leave your comment or your blog's link below.

COL Financial Seminar August 2, 2015 + Stock Picks!

Last Saturday I attended a seminar at Meralco Theater entitled "COL Financial's 2015 Mid-Year Market Briefing: Shifting Gears". It was my first time to attend the said the event, and I enjoy it a lot!
http://kuripotadventure.blogspot.com/2015/08/col-seminar-august-2-2015.html

I am totally a newbie when it comes to investing and having the opportunity to attend the seminar widens my knowledge about the Philippine stock market. I have a companion that day my officemate Jean. She's also a first-time investor just like me. Hehe. Before we enter on the venue, we are given pen, pamphlet and notepad to jot down notes.

There were five speakers: Mr. Juanis Barredo, Mr. Marvin Fausto, Ms. April Lee Tan, Mr. Edward Lee and Mr. Conrado F. Bate. Base from what I understand, we are in the bull market. It means we are in a rising position unlike other countries such as China and Greece which is in the bear market.
Sorry for the low resolution of pix, I have a dinosaur mobile phone. hehe.
They tackle about the power of peso-cost-averaging in picking stocks as an effective strategy and to diversify the money on investment, savings, or mutual funds. They also warn not to invest everything you have on stocks, it should be 20% of your savings only. Among the two share their stock picks.
April's Stock Picks - Airlines: CEB, Banks: MBT, Properties: SMPH, FLI, ALI & AC, Power: FGEN. I forgot the other stock picks. Huhu. But those who have COL account can read it on the homepage.
After the event, there's a Q&A portion. Some ask about mutual funds, SSI, gossip about LBC and the like. The question that has an impact for me is the 2016 election next year. The speakers said whether Binay, Roxas or other Presidential candidates will win we can still have a positive Philippine stock market. I hope it will happen. So there you have it. I can't wait to attend more seminar of COL.

What about you? Did you attend COL seminar before? Share your experience below.

Photo Credit: COL Financial, J. Demata

7 Frugal Hacks that I Do to Save

http://kuripotadventure.blogspot.com/2015/08/7-frugal-hacks-that-i-do.html
I don't mind being teased as a cheapskate. My father would call me "Corry" a name he coined for me which means "Kuripot" whenever I mention the lines budgeting or saving money to my mom. I just shrug it off!

My mantra this year is to live below my means so that I can build enough emergency fund quickly. Some of my frugal hacks might be silly and gross to others, but I don't care. Haha. Feel free to read my frugal hacks that I listed below:

1. I bring packed lunch at the office every day. It saves me 75-150 pesos on buying food at the jolly jeep or fast food chain in Makati CBD.

2. I don't buy cologne or perfume because we use fabric conditioner for our clothes at home, and I shower every day. I'm confident that I don't have a funky smell. LOL. Guys, taking a bath is the key to prevent bad odor.

3. We dilute the shampoo with water. We also do this to our dish washing liquid to maximize the usage.

4.  In our house, we use sugar instead of flavor enhancer (MSG/vetsin). I learned it from my former officemate. It is inexpensive and organic too!

5. We save the last part of the laundry water to flush the toilet or clean the bathroom.

6. Instead of riding a UV Express Van (50 pesos fare), I ride a PNR train on my way home. I only paid 10 pesos for my fare, however, when there's a heavy rain or I am not feeling well I ride a UV express instead. Let's say I know when to choose convenience when the weather is bad.

7. We collect empty plastic bottles and papers. We put it in a sack/plastic bag and sell it to a nearby junk shop. Another way to earned additional money!

So that's it for now. Do you have any frugal tips that you want to share? Leave your suggestions in the comments box.

Photo Credits: Canva.com
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