i am em
i am me
Wednesday, June 05, 2024
Thursday, March 07, 2024
COURAGE KIND OF YEAR
Remember BLESSING? My 2020 word for the year which was coined with my limited human brain thinking it would be a year of new clients, new business ventures oh well let's just say financial abundance. Then 2020 year turned out to be a surprise new baby blessing! We were all super thrilled to have Euan that year, we couldn't perceive pandemic without this cute little guy. My perceived definition of blessing is way way minuscule than the blessing God wanted me to have.
Fast forward December 2023, I was thinking would BRAVE be okay? Parang bitin? How about TAKING RISKS? Hmmm two words. That's when COURAGE came. It will encompass being brave and taking risks. Hopefully it will give me strength to face new challenges
- as I take on my new role as the finance head of our community church organization
- as I apply for the new accounting accreditation, something that I was not confident to apply before
- as I start a new project and hopefully get more clients to expectantly generate more income for me to be able to help build up funds for the kids especially for Thea
Wednesday, May 03, 2023
10 Rules of Borrowing
This was published last May 3, 2023 and updated again today January 18 2024.
1. Borrowing a car - make sure you fill up the gas at the same level (better if more or full tank) when you borrow it. I heard a complaint before, na masungit si xxx kasi pag manghihiram ka kailangan mo pa i-carwash and lagyan ng gasolina. My take, kung hiniram mo at nadumihan mo it's your duty na linisin yun, yung gasolina/diesel na nagamit mo tama lang na ibalik mo sa dati. You would have paid for a fare have you taken a taxi.
2. Borrowing make up - I think for mascara, eyelash curler and eye liner borrowing them is safe. But for foundation, blush on, lipstick hmm no no siguro. If you are super close, siguro pwede pero kung hindi naman and may zits ka na visible, better use or buy your own.
3. Borrowing books - use a bookmark and do not put crease on the page, never never highlight and write on the book. Ask if you need to return it back asap, do not assume you can borrow it as long as you like or borrow until you finish it because you never know if you can really finish reading it.
4. Borrowing tools - this I need to take note as well as I am likewise guilty. Everytime you borrow a tool, say wrench - take a picture and send the lender that you borrowed such and will return it to xx date. Once you return it, take a picture and a proof so that you will remember, make sure you send the picture to the owner for trail. It's really hard to find a tool when you don't know who borrowed it and if they returned it. It's sometimes even embarrasing to ask if the tool is with them or not. We have 2 drills now because we did not know who borrowed the first one and where exactly is it. We borrowed a tool for the car before and returned it, then a family member borrowed it again - we didnt know about it until the owner asked for it. Kakahiya kasi we said we returned it already but he said xxx borrowed it again
5. Borrowing phone or laptop - do not browse their photos or read their messages. If you are too curious, at least ask for permission. Do not go in their FB account and post things that they wouldnt post. I don't know why some of this generation likes posting a message in their friends FB wall, you should know your boundary or if you are the one they hacked - at least let them know that you don't want that again. Say NO! haaaays, They often cry out for privacy, consent, body shaming, equality and all the churvaloo and that's fine we get you, but then you also do stuff like posting without permission, taking vids of other people for fun - come on guys this social media thing made most a slave for likes and following. Nako naman ang layo na sa borrowing of phone and laptop pero ramdam mo ko?
6. Borrowing shoes, or any article of clothing - siblings are always guilty with this one. They usually borrow clothes/shoes from their bro or sis without permission. While this is okay for some, some are very picky with their clothes. If your feet smell, or your ua smells - skip from borrowing things - just wear your own clothes/shoes. I got other kwento her but .... i'm tired.
7. Borrowing oil, patis, soysauce, vinegar or anything in the pantry - ask first if they will need it for their food. Grabe ka naman if you borrow all the garlic and ang plan pala nila lutuin ay Adobo.
8. Borrowing name for loan - or co borrowing is a NO NO. You should never ever ask someone to co borrow for you, nor let anyone make you a co borrower. Why? Watch K-dramas na lang baka dun makita mo why most people got bankrupt or remain poor even when they are really working hard to earn. If religious naman, look up Proverbs 11:15.
9. Borrowing for Business, for investment, for something that will yield in return - way back my rule here is to invest only your excess. But I learned in financial economics class that a negative cash flow can yield positive when used in business the right way. So borrowing for business is not really bad. But borrowing without studying the business itself is a huge risk. If you just want to join your friends who are already earning, e.g. crypto, pyramid, nft, this can lead to a big problem. Banks and loan sharks have high interest rates, surcharges and penalties once you missed payments. So be very very careful.
10. Borrowing money - pay back as soon as possible. ASAP doesnt mean paying after your leisure trip to Batanes or wherever. Pay even if you really really want to have that IPhone 14 because all of your friends have it. Pay even if it means you need to work double. Pay even if it has been years since you borrowed the money. Put some interest if possible because if he didnt lend it to you, it would have earned an interest at least. Pay in installment if paying it whole is too hard. Pay even if the lender doesnt seem to need it now, because that's not how it should be. Just Pay.
Friday, April 14, 2023
2023
It's April already. How can I describe the first quarter of the year... hmmm let me think.
Me and Alvin went out on an end of December to close the year with a date. Vista Tala is beautiful, but like all of the places we've been, we always survey it first before taking our family especially Thea. While it is a nice place to go, surrounded by nature, colder and a pool with mountain view, we can't take the family there because the parking is a bit far from the lodging. The walkway's slope is steep for Nanay's aching knees, plus the stairs to reach the rooms would cause additional burden. So it is an X for the family but it would be good for dates.
January came and I still don't have my word for the year. I looked into all my previous words - excel, blessing, strong, more, but I couldn't come up with an appropriate word. Until the plan for the cafe didn't push through, I then decided that the most appropriate word for me this year would be TRUST from Proverbs 3:5-6
Also it was Feb when everyone got stomach flu, una muna si Caleb, tapos si Ate then si Euan na! When it was Euan's turn tuloy tuloy suka and nanghina na sya so we needed to rush him to the hospital, they inserted an IV to replenish lost fluids. It was super super heartbreaking to see him crying while nurses inserted the needle, grabe saksak puso yun ang sakit sakit para sa mommy heart ko. I even doubted myself kasi baka di naman need tapos hinayaan ko magka trauma anak ko. The doctor said he needed that because madaming nawalang fluid, his lips were still cracked and dry. While there, I felt my stomach churn too, Alvin felt it too. Haaay so everyone got it and we suspected the water and the broken sink pipes, and the food that we ate, lahat na. (The only one who didnt get stomach flu was our kasambahay Ate Tess, who had severe toothache a week before and was on antibiotics when all this happened ). After the hospication, we only drank distilled water, changed the sink pipes and cleaned everything. After 2 weeks we were back to drinking purified water (delivered by the gallon) and we're all good. Hooray for Maxicare and Erceflora.
It was also Feb when Nanay Dolores got ER'd for hypertension and Kuya ped got hospitalised for 2 weeks due to appendicitis. Kung meron suntok everytime may ma-oospital sa amin baka knock out na si Alvin. With God's help and all the prayers from loved ones and friends we were able to survive the chaos of February and face March anticipating blessings and joy!
March was like RESET. We really pleaded for deliverance and that God to finally release us and let us rest and enjoy the summer. Guess what? March is like unwrapping a gift, so many good and fun things transpired, He gave us time to enjoy nature, time to bond as a family, time to relax. Time - a very valuable thing we possess, once given to someone you cannot take it back. It is a rare commodity that many people neglect and just use it on non essential things and then calling them self love. (Self love is not wrong but too much self love is.)
here's what happened last march
- Subic Funtastic Park - a 3D park http://funtasticpark.com/ it felt like an exclusive trip wala kami kasama sa loob :D
- Subic Blue Turtle Cove - the two young boys got to enjoy the sand albeit medyo malansa daw sabi ni Alvin, me and the boys still enjoyed our time
- 3.14 we got Terry Pi Picache aka Vera
- The Manor for 2D1N
- Zero Meralco bill
- Early April was our family day at Happy Place Vacation Home at Angeles City - happy memories were made
(Will try to load the videos here but for now narrative muna :)
Thank you dear Lord for the good and the not so good things that happened. Help us to always trust in Your plans and ways.