2016 Week 47 Recap: Baguio Errands and a Celebration

November 21 – 27, 2016

Weekend

I went home to Baguio for some errands and a family affair. I arrived Saturday noon and diretso na sa errands. Ang ginaw-ginaw na dito! Nanunuot sa buto. Tapos maulan pa nung Saturday!

Remember my niece who likes SM? We made the first step last Saturday. I opened a regular savings account for her and for her sister. While I have the option to open a Junior saver’s account for the kid, I opted for a regular savings account kasi pag narealize nyang mas maliit yung amount sa kanya, maraming tanong uli yun hahaha. So pareho na lang agad-agad. I diverted some of my investment funds just so we could open their accounts. I told them that I just lent them what they used so that they could start saving in the bank directly.

Di na pala nagbibigay ng ID picture. Sila na kukuha ng picture via their web cam.

They will claim their ATMs next Saturday. Sana matandaan nila lahat ng binilin ko sa kanila about PIN and keeping their ATMs in a safe place.

I also told them that I will give 50% of whatever they save out of their allowance from today until December 31. They must have deposit slips as proof. I’ll add more savings opportunities for them next year. Let’s see how this deal will work first.

joycesig

I told her to write her complete name in cursive. Kaso nawalan ng space ang family name. So yan na ang first official signature nya hahaha! I told her we’ll just update when she’s older.

After the bank, we went to UNeed Lumber’s showroom to look for what else? Toilet bowls and seats hahaha! Na-excite ako nung may nakita akong Toto na brand. Bet na bet ko kasi yung mga CR fixtures sa Japan. So syempre nagtanong ako if meron sila nung parang ganon, or kung wala man, pwede bang isabay nila sa ibang orders nila kahit maghihintay ako. Naloka ako sa quote na binigay nila. 200K-300K daw yung ganong model! Susko. Parang di ako makapaniwala hahaha. Makapaghanap nga ng iba pa.

nieces1

Sabog ako dahil walang pahinga pero bakit parang mas sabog yung bata?! Dahil ata sa bagong bangs na parang ayaw pa rin nya until now hahaha!

On Sunday, we attended mass and after that, went to my brother’s family’s place to celebrate my nephew’s 3rd birthday. His actual birthday is November 28. He was the first in the family to arrive after we lost our mother in 2013. Di na nya naabutan ang lola nya, pero ang lola nya dati, excited na excited ibalita sa akin na buntis noon yung hipag ko kahit sinabihan syang secret muna daw. Di nya nakayang isikreto sa tuwa hahaha! Medyo more than a year din kasi silang nagtry eh bago mabuntis hipag ko.

It’s a simple salo-salo but still a blast spending even just a few hours with family and friends.

Happy birthday, Gysher!

Happy birthday, Gysher!

I also advised my eldest sister to become an SSS member. Oo naman daw. Hopefully she gets approved kahit sa minimum amount lang. Para naman may pension sya pag 60 na sya.

Credit Card

I am back to 2 credit cards (from 3). Standard Chartered bank transferred some of its services (or maybe all PH services) to East West bank starting November 26, 2016. Since I recently got approved with a Citi Rewards card, I did not renew with East West bank anymore. No more confusing decisions as to which card to use. More peace of mind.

Have a great week ahead.

P.S. Dear sahod, wer na u? Hahaha!

P.P.S. I need a car in Baguio. Ang tagal ng mga biyahe sa amin susko! At ang dami mo pang kasiksikan sa jeep.

2016 Week 46 Recap: Nothing Much

November 14 – 20, 2016

Work

The project is moving along just fine, thank God. I hope there are no more bumps moving forward.

The boss asked me to join her in one of the meetings. I’ll have a new project by next year. Not sure yet if we start with the works this year but hopefully, next year na hehe.

Ubusan ng budget since the year is about to end. San kaya kami pupulutin sa team building? Hehe.

Hirap maging creative sa Kris Kringle so ayun, pinapanindigan ko na lang ang hindi ko pagka-creative hahaha.

Last Monday, the theme was sweet and soft. Yung isang teammate namin, white sugar at cotton balls. Wais di ba? Palakpakan kami! Hahaha. Ako? Ayun, sakto kasi may nabili akong marshmallows sa S&R the week before. Para dapat sa kids pero dahil swak sa sweet and soft, yun na lang binigay ko. Tapos marshmallows din naman natanggap ko hahaha. Karamihan puro marshmallows!

Weekend

Aside from some domestic chores and then bumming, a friend and I went to S&R on Sunday to check out what’s new/what’s on sale this week. We bought a Palmolive dishwashing liquid since buy 1, take 1 so lalabas na Php 135 na lang for an almost 800 ml bottle. Pwede na.

We went to Shang after to window shop and kill time. Mga walang magawa hahaha.

I attended the very last mass na kasi late akong nagising nung morning hehehe. Kahit yung last morning mass ng 11:15 AM, di ko na maaabutan. Ganon ka-late hihi. And yesterday was the last Sunday of the liturgical year. Next week, Advent na. Di nga? Ganon kabilis? My takeaway from the mass: WWJD – What would Jesus do? Every time daw we have problems or decisions, we can always ask WWJD? Tumpak naman.

I also had a home service massage at night. Swerteng may available silang therapist. Ginhawa after. Pero ewan ko ba kung bakit imbes na makatulog ako ng maaga, inabot ako ng umaga bago makatulog! Kaloka.

Others

Last Friday pala, the Uber surge was so high so I decided to drop by my branch of account to pick up some EIP COPs. Akalain mong 3 ang nakuha ko for my niece and 2 lang sa akin? Hehehe. But I’m happy that she is religiously allocating for her investment accounts. At sana hindi sya pumalya talaga kasi sayang naman ang opportunity to start investing while she’s young.

I am contemplating on a new project. Ate ko naman ang i-coconvince kong mag-open ng SSS nya kahit voluntary lang at kahit yung lowest amount lang para naman may pension sya kahit konti lang pag senior citizen na sya. She’s already 49 years old. I already asked my niece to check if she can spare kahit Php 110/month lang. Sana pumayag silang 2 hehehe.

My MERALCO consumption is still below 100 kwh last billing so less than 700 lang uli ang bill ko! So now, I’m more convinced that the TV is the culprit. I seldom watched TV the past month. Siguro wala pang 10 hours total. Old model na kasi yung TV ko. Di pa nga sya LCD eh so hindi pa uso dati yung mga energy saver eklat. At syempre wala naamn akong balak pang palitan. Hinihintay ko kasing maging mura na yung mga curved models na uso ngayon hahahaha. Inaawitan na actually ng kapatid kong iuwi ko na raw sa Baguio. Minsan gusto ko na pero most of the time ayaw ko pa hahaha!

Lastly, I want a repeat of our holidays last year when my nieces, cousins, tito, and tita visited Tagaytay. Ang saya-saya kasi non. So tipid-tipid pa more para may pandagdag sa December 2016 budget hehehe. Gusto ko kasama ate ko. Sinabihan ko na yung pamangkin ko na bigyan sya ng pamasahe. Christmas gift na nya sa nanay nya hehehe. Sana matuloy. We’ll see.

moa-12-28-2015

Ok, have a great week ahead.

P.S. Ang hirap mag-isip ng title  😛  😀 !

Mang Inasal at Diet

October 31, 2016

Magkikita kami ng tita ko dahil bibisitahin namin yung kamag-anak naming maysakit. Sinama ko mga pamangkin ko at isang anak ng pinsan ko. Sya ang representative ng pinsan ko since hindi sya makakasama.

Sabi ko, paradahan na lang magkikita para diretso na sa bahay ng kamag-anak namin. Aba naglambing. Hindi daw. Magpakain daw muna ako. Sa Mang Inasal daw para may unli-rice. E di syempre dahil feeling generous ako that day, sige na nga  😛 . Pero sa loob-loob ko, compute compute sabay, naku Mylene, isang ulam per meal na lang pwede mong bilhin in the next 4 weeks! Hahaha!

Meet up sa Mang Inasal sa isang mall. Puno. Daming tao.

Me: Tita, puno. Ayaw tayong pakainin dito. Diretso na lang tayo since for sure magkakape naman tayo kina tita J. Pwede na yun!

Tita: Grabe ka! Gutom na gutom na ako. At bumiyahe pa ako.

Taga-Atok sya, mga ilang bundok din yun away from Baguio.

Me: Puno eh. Ni-check na nila kanina, walang bakanteng upuan kahit sa taas.

Tita: Punta tayo sa isang Mang Inasal. Mas maluwag don. Sigurado may mauupuan tayo.

Me: Ay wow! Kabisado lahat ng branches! Ikaw na! Hahaha!

So, lipat sa isang branch. Nag-order. Unli-rice for everyone except for the kid.

After a few minutes, everyone starts ordering for second serving of rice. Ay, gutom nga sila hehehe.

Tita: Rice, please.

Lumapit si server sa table namin, binigyan lahat ng nanghingi.

Server: Kayo po, ma’am?

Pinag-iisipan ko pa kasi if oorder pa ako, kasi di ba sayang naman yung binayaran kong unli-rice…so…

Me: Yes, please.

Niece: Tita, DIET! (medyo pabulong naman pero rinig ng lahat!)

Lahat sila: Tawanan!

Mga walanghiya, pagkatapos kong bayaran ang kinakain nila pati na ang unli-rice nila!?!!! Hmp! Che! Hahaha!

Me (dami agad naglaro sa isip ko hahaha!):

Lingon sa kanan – uy, fire exit, labas na kaya ako dito?!

Lingon sa kaliwa – ay don nga pala yung entrance. walk out na kaya ako?!

Tingin kay pamangkin na tatawa-tawa – pipingutin ko na ba ito? Isasakay ko na ba ‘to sa taxi pauwi?

Tingin kay server na naghihntay kung gusto ko pa – miss, rice please. di pa ako nagbe-breakfast eh.

Tapos tingin kay pamangkin sabay ngisi  :mrgreen: .

Ayos, may palusot ako!  😀  😀  😆  😆  😆

Pero totoo, di pa ako nag-aagahan non eh around 2 PM na rin nung kumakain kami.

Kalokang bata!!!

Ang ending? Medyo nadamihan ni server yung nilagay sa plate ko so sabi ko sa pamangkin ko na kumuha sya ng konti para naman mabawasan pa rin yung kakainin ko. Sige daw. Eh di binigay ko sa kanya kalahati! Aba, naubos. Ayun, asar talo rin sa akin! Hahaha!  😛  😆  😆  😆

Pero seriously, lagi ko silang nireremind to watch out din. Huwag gayahin si tita na nagpabaya. So ayun, binabalik lang sa akin actually ang mga bilin ko sa kanila hehehe.

At sya nga pala, sya rin pala yung same pamangkin na napagdiskitahan ang bilbil ko dati.  😳

2016 Week 45 Recap: Uneventful

November 7-13, 2016

Nothing much this week. Still working on the same project that’s as always stressing me out because it’s taking longer than expected. But at least we’re moving on to the next step tomorrow, Monday so that’s a big progress.

Weekend

I just stayed home and did some cleaning and a little fixing. And mostly to bum. I woke up with a stiff neck which is still persistent until now. I don’t know how I even got it. Baka sa sobrang bigat ko na hahaha.

I went to mass on Sunday and then grocery after. I ran out of coffee and some cousins will be dropping by tomorrow so need to stock up on something they can eat. I also cooked giniling for meals next week. Ok na yun kahit paulit-ulit hehehe. Sa tamad kong ito, ako pa ba ang papaka-choosy? Hahaha!

I have one mission this week. I saw a bubuwit running around the apartment. I need to catch it. Grrr. I already bought a fly-catcher paper which can also be used for rats. Sana mahuli. Susko san kaya dumaan yun?!

I was supposed to transfer the zeezee plant (eternity plant) because it’s been growing bigger and more stems are sprouting. However, the soil I brought from Baguio isn’t enough to fill the bigger pot. Need to bring more at the end of ths month. Ang mahal kasi ng lupa sa mga tindahan. So sa Baguio na lang talaga ako kumukuha para libre hehehe.

And that’s it. Have a good week ahead.

Personal Finance: Encouraging Kids To Save and Invest

Note: broken lines indicate that conversations happened at different times but still on the same topic. I can’t just remember the exact dates as it has been a recurring topic several times a day for the days I was in Baguio.

I got my 7 year old niece (turned 7 last Nov. 4) interested in investing. This was unexpected but it got me excited!

It all started with this conversation last October 31:

Me: I’ll treat you somewhere as a belated (for the young ladies who turned 13 last September) and advance (for the kid) birthday gift. Where would you like to go?

Niece: SM!

Me: Oh, so you like SM?

Niece: Yes!

Me: Did you know that you can become a part owner of SM if you lend them some money? (I was thinking along the lines of buying a stock of SM).

Niece: Really, tita?

Me: Yes. If you have at least Php 8,000.00, we can buy SM shares. Would you like that?

Niece: Yes!

Me: So, start saving now and let me know when you already have it.

Niece: Ok.

**************************

Niece: So, tita if I have Php 8k, I can become SM’s part owner?

Me: Yes.

Niece: Can I use play money?

Me: Hahaha! But no, you can’t. It has to be real money. So, save save save!

Niece: Ok.

Me: If you want, you can invest in its condominiums. That will just be around Php 4,000.00 (I was thinking of SMPH). It’s cheaper than SM.

Niece. Ahhh, ok. So if condominiums, that’s Php 4K? And if malls, that’s Php 8K?

Me: Yes.

**************************

I saw an article that Henry Sy has joined the team that will be building the airport at Sangley Point.

Me: Look! SM will be part of the group that will build an airport. So if you buy some SM shares, maybe your money will also be used for that airport.

Niece: Wow, airport! So if I have Php 8K, it will be an airport, and if I have Php 4K, it will be on condominiums?

Me: Yes. (I just used airports, malls and condominiums to make it simpler for the child) So, which one do you like?

Niece: Airport!

Me: Ok, then start saving for Php 8K.

**************************

My niece brought out her piggy bank, a recycled J&J lotion container that was one-third full, and showed it to me.

Niece: Tita, here’s my savings.

Me: It’s not yet enough but it’s a start. Make sure you try to save more so that you can become an owner faster.

Niece: Ok, tita. What happens to my money when I give it to SM? (smart question!)

Me: Your money will also grow when SM gains more profit. But there will be days when your money will also lose its value. But as long as you keep it with them until you grow up and become an adult, your money should have grown by then. So, once you lend it to them, it is best that it stays with them for the longest period possible. Do not withdraw right away.

Niece: Ah, ok.

Me: So, you want an airport?

Niece: Yes! Php 8K.

**************************

Niece: Tita, if Php 8K, airport and if Php 4K, condominiums?

Me: Yes. You like airport, right?

Niece: Yes, so Php 8K.

**************************

Before I left for Manila, I gave my nieces Php 10.00 (kuripot tita here 😛 ) each for their school allowance.

Me: O, don’t forget to save some for your airport ha.

Niece: Yes, tita. Php 8K.

End of conversation. But I’m sure this will resurface when I go home because….

Ha! I’ll include you in my project, kiddo! Let’s work on that investment of yours.

I already asked my sister (their mother) to check out BDO’s requirements in opening an account for my nieces and prepare these so that we’ll open their accounts on November 27. This way, all investments will be under my nieces’ names! I don’t want to mix it with mine. And I think they would be more inspired if they see their own names in their investments. And I’m thinking of UITFs now instead of direct stock investing since I’m not well-versed on stocks myself. Yun lang, di ko pa nasabi sa niece ko na Php10K na pala ang kailangan nya hehehehe. I’ll let her know and for sure she’ll still be excited if I show her the other companies where her money can be potentially invested in if she gets UITFs. Jollibee is one as of BDO’s September 2016 report but I am not really sure if maka-Jollibee yung bata hahaha!

I checked BDO’s savings options and there’s one for Junior savers (7-12 years old) where initial deposit is just Php 100.00. Sakto, she just turned 7 last November 4 hehehe.

It’s more expensive for the teenager niece because she has to now own a regular savings account and an ATM account requires Php 2K. Pero, sige na, pauutangin kita  😛  😀 . Sana may 13th month na kami by then.

I am also planning to require them to do little chores or reward them for maybe perfect scores in school? I don’t know anything about rewards system for kids but it will be an interesting research. I also plan to give the same amount every time they make a deposit. For example if they are depositing Php 20, I’ll give them Php 20 to add to their savings. With online banking, this can easily be done! Di naman siguro ako mamumulubi nito since maliit lang naman baon nila! Hahaha. But I also don’t want to underestimate them. Or I’ll just declare na I’ll give them half of what they save para safer for my wallet 😛 . If they are in school for 22 days and their daily allowance is Php 5, then that is Php 110/month IF they decide to save everything.

Lastly, I need to teach them that life isn’t just about having money. It’s more than that. Baka naman kasi maging obsessed sila at sa pera lang lagi naka-focus.

On another note, it was their mother that I wanted to teach about money management years ago. I even asked her to start listing down their expenses as a start. But that did not work out and she seemed not interested. So, kung ayaw ng magulang at mukhang interested ang anak, I’ll just focus on her kid! Hehehe. Tapos maiinggit na lang syang may investment ang mga anak nya, tapos sya wala hahaha.

joyce01-16-16

Hi! I’m Joyce. Bungi man ako ngayon at mukhang loka-loka dito, magiging investor din ako! Hehehe! I’ll tell ate (who is at my back in this picture) to do the same – I mean, to invest too, not to be bungi and loka-loka hahaha!

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