Never-ending cycle :-(
Sooner or later I will be on that level where I won’t worry about tomorrow or for emergencies because I have more than enough money saved in the bank for such. I am hoping that I will be able to do that in the second half of this year. I am keeping my fingers crossed. [...]
Staying positive
Truth be told, 2011 was not great to me when it comes to my personal finances. Up and down went my monthly income. When in 2010 it was just up, up and up, 2011 was more down than up. But I learned my lesson and for that I am still thankful for 2011. This year, [...]
A lifestyle overhaul needed!
I keep harping about the fact that I am having financial difficulties again. I kept ranting to my sisters about how hard it is to earn an income now unlike the hundredfold blessings that kept pouring in a few years ago. I keep praying for a big blessing to come but then I had an [...]
Financial dues
You know this is the very reason why I don’t like and avoid at all costs being indebted to someone. I normally forget dates and all that and I hate that the person I am indebted to thinks that I did it deliberately when in fact I truly forget about it! This is another reason [...]
That teeny-weeny seed of doubt…
I guess there will always be that teeny-weeny seed of doubt in my head when it comes to my finances. It’s the bad choices/decisions in the past. It’s the trauma of finding myself neck-deep in debt and with nothing to my name. It’s the knowledge that nobody can save me if I there is a [...]
All I’m asking…
… is for blessings to come in. Work. I am asking for more work. I am not asking for an easy life. I am actually asking for a very busy life. I want work. More work. Plenty of work! That’s what I want. More income is the result of more work and I need that [...]
Little retail therapy
I threw cautions to the wind and indulged myself to a brand new watch today. I was supposed to save and avoid unnecessary purchases but what the heck! I fell in love with the watch so I bought it. I also ate out two days in a row. Watched a movie. And just spent quite [...]
Worried again
Hay. When will this ever stop? I guess when I am six feet under ground, right? And who wants that? Sigh. Yes, you read the title right. I am worried again. Again! It’s a cycle, I tell you. It won’t stop and it won’t leave me alone. Something came up a few minutes ago. It [...]
A snitch!
He said that a common friend told him how I used to beg to borrow money from him. I was not able to borrow even a cent from that common friend but he still told someone else about it. He said he felt guilty for not being able to help. Those were very embarrassing times [...]
If only…
… I could help some more, I’d do it. I really feel for families who are experiencing financial difficulties. I’ve been there too many times in the past. I know the feeling of worrying where to get the next meal for the family. I know the feeling of drowning in a sea of debts and [...]
It’s that time of the year…
This is the time of the year when most people find themselves working doubly hard to earn enough income for the holidays. I know because I’ve been this way for the past twelve years already. Like other people, I want my family to be merry and abundant during the Christmas holidays. Don’t you just love [...]
Dark days of my life
Whenever I talk to my friend J, I am reminded of the dark days when I had close to nothing in my pockets. Those days when all I could do was pray for the Lord to help me find a way to cough up enough cash for the family expenses. Those were dark days of [...]
Big chunk of money
She already lent a big chunk of money to her uncle. She doesn’t know when she will be repaid the whole amount. But she is hopeful that her uncle and his family will be able to bounce back. Her uncle will be able to find work soon and she will be paid. The question is [...]
Bad spending habits
I admit it! I am bad in budgeting my money. I always find myself regretting the past few days of spending. It’s been like that for the past couple of years and this has to stop now! I think this bad spending habits is a result of all those years in the past with nothing [...]
Budget and estimates
For someone in the field of finance, I am terrible when it comes to budget and estimates! My sister would often tease me about it. I am good with others but I am terrible when it comes to my own. My explanation for that is this: I am careful with the finances of others because [...]
Fear of waking up with nothing
My fear is to wake up one day without anything to my name. No money, no work, no nothing! I was broke one time too many in the past. I know the feeling of waking up without money in your pocket. I know the feeling of wanting to buy something and then realizing later on [...]
Dreading phone calls
I hate that I am feeling scared once again because of a loan that isn’t even mine. I have felt this way before when I was having problems with my credit cards. I used to dread getting a call from a collector or someone pretending to be a lawyer for the credit card company. I [...]
A wee bit guilty
Do you know that I feel somewhat guilty whenever I buy something pricey for myself? It’s like I feel I am not doing my obligation for the family. I feel that way whenever I indulge in something other than food. Years ago, we didn’t have that much. I must admit that we really struggled financially, [...]
Road to financial freedom?
A couple of years ago, I was neck-deep in debts. I didn’t know how I could get saved from drowning. There was no clear sign of how I could pay for the loans I incurred over the years. And then I quit working for a corporation. It seemed that instead of the fear I usually [...]
No other choice but…
I have no other choice but to join the rat race again. With this new worry, I don’t think I can stop the inevitable from happening. Plus there are more issues in my head that will just be sorted out if I go back. I am worried I will end up paying a loan I [...]
Carrying a grudge
I just realized that I am also capable of holding a grudge. Do you know how I realized it? Whenever I talk about my mom’s aunt, I get so angry! I just couldn’t get over the belittling they all did to my mom and us when I was younger. I haven’t forgotten all those begging [...]
My life now…
I need to be always in front of the computer. That’s my life now. If I want to earn and continue working at home, I need to tell myself to stay put and do what I need to do. I can’t be lazy. I can’t procrastinate forever! I need to devote my time to writing [...]
Winning the jackpot
I don’t bet on the lottery, or in any thing at all. I am not into that. My dad, on the other hand, bets on the lottery every night. I don’t know if it’s appropriate at all but I do pray that my dad would win the jackpot. Imagine paying off every single debt we [...]
Broken piggy bank
I spent all my savings already. My piggy bank looks like this now… Yes, not pretty to look at. Hobbling. In fact, broken. I spent everything I had with the wake and the cremation. It was supposed to be used to buy me something else. But things happen and you just have to make do [...]
Balance in life
I need to find the balance in my life again. I can’t forever find myself going back from whence I came from. I cannot forever be in this cycle I once called life. I thought I managed to changed everything four years ago but I guess I haven’t really learned my lesson. Until yesterday, that [...]
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