Good morning sunshine!


When you arise in the morning, think of what a precious privilege it is to be alive - to breathe, to think, to enjoy, to love. - Marcus Aurelius


One Sunday morning, we wake up early than the usual coz you told me we are off to go somewhere. We wear the helmet,  I wrap my hand around your waist and you started the engine. Minutes of a long ride, we stop and you let me captured the beautiful sunrise at the highest peak of the road at Antipolo. I gazed to the eternal blue sky, with beautiful sunrise and sea of clouds and thankfully whispering to HIM that it is indeed a blessed day.  I have witnessed one of the beautiful sunrise in my life.  I must admit I like this new experience, wandering through the city with your hand in mine. 

Good morning sunshine!

9 Tips On Saving Your Money (Which I Should Do As Well)

It's been half a month now after we welcomed 2015. Most of the people tend to put on their new year resolution the goal of saving money. It always a cycle yearly - save money, invest, live within our means, etc. But honestly, how many of us turned this goal into reality? Anyway, below is the list of simple tips on how to save some money.
  1. Record your expenses. So grab a notebook and jot down all your day-to-day expenses since the first step in saving money is to know how much you are spending.
  2. Plan on saving money. Actually, our savings should be deducted first once we got your salary. It's like paying our self first. Standard formula for us to save is Income - Savings = Expenses not the other way around which isIncome - Expenses = Savings
  3. Set savings goals. Be sure to know, why you are saving. Is it for your child education, retirement or anything? This would really help you achieve your goal
  4. Make a budget and do stick with it. Do create budget for your grocery, your daily work expense, etc
  5. Decide on your priorities.
  6. Live within your means. Always!
  7. Make saving money easier with automatic transfers.  This can be tied - up into your payroll account so you'll have an automatic and force savings. - Wasn't able to do it since the company's bank branch is from ParaƱaque while our office location is here in Taguig.
  8. Different savings and investment strategies for different goals. Do create different account for your saving purposes. I actually have an ATM account for emergency needs, then another bank account for short term saving goal & and I have a VUL for long term saving goals. I am also planning to venture into Mutual Funds and other investment products. I hope budget will allow me. =)
  9. Last, watch your savings grow.


Also, be sure to have discipline and continue doing the tips above so your savings will double up. Hope this might help you! How about you, what saving tips you can share to us?