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I mentioned in my previous post how I encountered an article from an old magazine while cleaning my room. Well I'm an accountant. It's normal for me to compute automatically when I see numbers. That's what triggered me to get a reality check on my financial status. I hope this post would do the same to you.
On the same night, I sat in my room and stared at my bank book and mull over my finances and spending habits. Here's how you can too. 1. List all source of income and how much you earn from it.
Right now, I have a single source and that's my full time job which basically earns me the same every payday. Now if you're working several part time jobs that have varying income, get the average and don't over estimate.
I suggest getting the middle of your lowest income and most consintent highest income from that part time job.
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as my copy of grades and certification from school that I'm finishing my masters degree. I also brought my original certificates because they're checking the authenticity of the CPD units I've actually earned.
You must be thinking why do you need to know how to make nail art stickers when you can simply get it from the mall or, for more design choices, buy it online. Bornprettystore has quite a collection for only a few cents. Then again, there may be times that you want a particular design but can't find it anywhere or the alternative may take a month to arrive. So why bother waiting and spending when you can just create exactly what you want with what you already have.
All you need for this project is a base to create your design and nail polishes of your choice. For more flexibility, you can also use acrylic to paint your nail art stickers with.
For the base, I'm using the back of Oh My Girl's nail stamp. If you don't have one, you may use a sandwich bag, too. Then you can layer on your nail polish from there.
Here's how to do it.
I've been consistently cutting my nail off with a knife while preparing meals, literally. The last time it took me three weeks to grow it back to normal size only to cut it again accidentally. So I decided to purchase this practice set from bornprettystore.com. Now I don't have to stop doing nail art even without my real nails.
I bought these 600 pcs of false nail tips for $4.57 and two display fingers, to attach the nail to, for $1.99.
To be honest, only a few numbers fit my nails but you can trim the sides easily with a nipper for the bigger ones. I like it just fine for practice but it's a little thick not to be noticed if you plan on wearing it.
Who doesn't want be free from living paycheck to paycheck? Here are a few steps I've taken to get a good start on my way to financial freedom
1. Get a reality check and figure out where you're at.
Where else will you start? It's important to know exactly where your finances stand and how much more losses can you tolerate before you sink in debt and never be able to get up. Getting a better picture of your financial status will guide you in establishing your goals and achieve financial freedom.
On my previous post, Going Through Lifestyle Inflation, I mentioned that I have a negative net worth but looking into it closely, I still have a few bucks in my name. It can't wipe off my long term debt, of course, but I can use it to pay for the current ones without touching the money I'm saving for my operation. Basically, I'm broke but people wont notice; not even the merchants I owe to. That's a good start.
If you're up for some Korean food and good coversation with your friends I would suggest you to visit Dongae. It's located near the old Park n Shop.
What: Dongae Korean Restaurant
Where: SBMA near old Park n Shop Price range: P250+ per head
After entering the first gate to SBMA, just walk straight ahead. You would want to turn left before the first Ministop (not the one on the other side of the street) and pass through the old Park n Shop to DBP's block. Turn to your left from there and you'll find it.
We stayed at Dongae for almost two hours just bonding over samgyeopsal and talking about what we we're upto the past year and a few plans ahead.
The rest of the conversation were pretty casual and sometimes nonsense but I guess that's what talking with old friends should be like. Random, nonsensical and nothing in common but fun.
Here's a link to my post about my experience with Dongae. Don't hesitate to visit while you're here in Olongapo.
-Aisiah Ezekyel
Well, of course that's not how I imagined my getaway will be but you get the gist.
Lifestyle inflation happens when your increase in income is followed by increase in expenses. Others write articles on how to avoid it but in my opinion, it's inevitable. Changes in work and family conditions will cause it to inflate in a way, like buying a family car or moving to a bigger house. Besides don't we all work hard to elevate our standard of living?
After college, I landed my first job as a purchasing staff in a manufacturing company and believe it or not, I only earn between P6,000 - P10,000 a month including overtime. Now I'm earning roughly three times more than that but I have no investment and P20,000 behind my targeted personal savings plus a personal loan.
So where does my money go? How was I able to manage living with only that much in the past?
I chelked my credit card billings, some receipts and here's what I found.
The thing I love about Bobbie Nail Creme is its variety of unique finishes. Their latest, Supah - GEL Collection, promises to "give your mani a voluminous, gel-lific finish" and "long - lasting gleam of a salon gel manicure sans UV light".
What: Bobbie Nail Creme Supah - GEL Collection
Where to buy: Watsons (Exclusive) Price: P79.75 each |
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