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Wednesday, September 21, 2016

My first paycheck

My first job was with ING. When I received my first salary, I was so excited since it was my first time to hold a check addressed to me.

Since I can't encash my first paycheck then given the time to clear the check, I just opened a bank account using the same check. When the check was cleared and it's already reflected in that bank account, I withdrew some and paid my rent.

What did you do with your first paycheck?
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Monday, September 05, 2016

Would you go for a prenup?

I mentioned in my previous post that I used to be ill when I was still studying, something that could drain anyone's financial resources.

Here in my country, prenup or complete separation of property denotes that a spouse will have a sole  and  exclusive ownership to properties held at present and during marriage. For family expenses, both spouses will proportionately answer for it.

I'm not rich. But, I want to protect myself against any uncertainties that may happen in case I'll get married and it won't work out.

I would love to read your thoughts on this matter. I know all of us here have different approaches and laws when it comes to marriage and contracts. Feel free to respond.
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Thursday, August 25, 2016

Did I hurt your feelings?

I've known you to be smart, a genius at that. I don't know why you arrived at an erroneous conclusion that includes you. I may be close minded in some areas, but not on that particular issue. And, not on something that particularly involves you.

I'm pretty sure you read it but you chose not to reply.

I think you deleted it. I know you don't want to commit mistakes. If you were humiliated by my statements, they were not deliberately done. I would have chosen to ignore it but you provoked me by mentioning my name and that conclusion of yours. I never imagined that one day I would be in disagreement with you.

Notwithstanding what happened earlier, I still see perfection, just like what I told you before. You put up a good fight earlier.
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Monday, August 15, 2016

How do I make the most out of my monthly salary (Part 1)

 

I hear a number of persons who say that they are not able to save anything out of their salary. I wonder why, especially for single people who only spend money for themselves.

I am single. No one depends on me financially. Basically, my 15th and 30th money are just for myself. So how do I budget and spend it in such a way that I still get to save something every month? Here are the things I have been doing since I started working.
  1. I do not have a credit card and I do not intend to apply for one in the future. I do not want to incur debts. Period.
  2. I do not own a car. I live in a country that is known for its traffic-prone and flood-prone cities. Also, we need to pay for parking spaces depending on the number of hours your car will be parked in a certain location. Same goes true in buildings with parking spaces. Not to mention, the rising price of diesel or gasoline. Taking all these into consideration, it would be practical to just take the public transportation. It will save one's time and money.
  3. I only spend on needs. I spend  my money on food, toiletries and rent for my place. My rent is inclusive of water and electricity. I don't buy new clothes or shoes. I buy them if the need arises and usually, I purchase those things from thrift stores.  If there's no need to buy one, I use them for 3-5 years.
  4. I don't buy the latest gadgets. I only have one locally made  phone which I bought in 2013 for $10. It is only intended for texting and call. It does not have sophisticated features.
  5. Also, unlike other ladies who spend money for their nails and hair, or anything that will make them look good, I don't spend money for the sake of beauty.



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Wednesday, August 03, 2016

Eat before you make your grocery list

The month had just started. After paying my rent, my friend and I sat down and we started talking about our expenses for the month of March. She lives on her own, and so do I. As we were about to draft our grocery list for the week, she noticed that I ate first.

It has been my practice to eat first before doing my grocery list. This is my way to include only things or food that I need for the week. Why? If we are starving, we tend to include food that we want on our list (but we don't necessarily need) and often than not, they go beyond our budget.

Do you also do the same? How do you control your weekly or monthly expenses?
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Sunday, July 17, 2016

How do you waste money?

I can't cook. In order to survive, I buy homemade meals at establishments nearby. Here in my country, we pay for the styrofoam, spoon and fork for take out meals in some establishments. I always pay them (Styro, spoon and fork), though I have the option not to buy the plastic utensils since I have spoon/fork at my place anyway. If I could have elected not to include plastic utensils for every meal that I buy, I could have saved some money out of it. Anyway, I consider that waste of money.

Though I buy my food outside, I only spend $1.50 for all of my cheap homemade meals in a day. I live in a ladies' dormitory & we are not allowed to cook that's why I buy my food outside.
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Monday, July 04, 2016

Do you know of tasks where we could use our feet, though they are meant to be done using our hands?

Every time I arrive at my home office, I want to immediately work since every second of my work is paid. I mentioned in my previous post that I like rubbing my feet on a mosquito net while working. So, I have to remove my sneakers and socks. Since my fingers are busy tapping on the keyboard, I use my feet to take my sneakers and socks off, instead of my hands.

Do you know of tasks where we could use our feet, though they are meant to be done using our hands?
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Monday, June 27, 2016

Do you sleep with your bedroom door locked?

I live in a peaceful and student-friendly neighborhood. I rent a room in a ladies' dormitory. Still, I always keep my door locked, including my windows. For privacy, safety, and security reasons, I don't leave them open. Also, I don't want to hear noise coming from the hallway. Likewise, I don't want lights from outside, once I turn off mine.

I have my own fire extinguisher inside my room and the fire exit is just beside my room. The fire escape ladder is attached to my window. In case of fire, I have an alternative even if I keep my doors are closed. As to unwelcomed guests, I have my big scissors and knife.

Whether I'm sleeping or not, I keep it locked.

Do you sleep with your bedroom door closed/locked/open or partially open?
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Sunday, June 19, 2016

Can someone independently support himself with just remote jobs?

HE said, “It is really admirable how you are able to support yourself and earn a living by working independently like that. I would love to one day have a job or skill set that would allow me to be independent and not have to do shift work or have a boss to answer to. That is my career dream.”

So, is it really possible to survive independently with just doing remote jobs? The answer is YES.

I've been doing remote jobs since October 2015. I have no other source of income aside from my remote jobs.

First, I live way, way below my means. I only spend on needs (food, rental, internet bill, and toiletries only). I don't go out. The only instances I go out is when I need to buy food/groceries and when I go to my home office to work, which is just a walking distance from my dormitory. Also, I only spend less than 2 dollars for all of my meals for the entire day.

Second, I don't own/maintain/buy a car, credit cards, gadgets or any hobby/habit/thing that is expensive. So basically, I don't have debts and I have no plans of incurring any liability. Likewise, I don't have dependents.

Third, I do all my remote jobs simultaneously from Monday to Sunday. Once a contract is done, I make sure that I get another one. Likewise, I always maintain 2 or three clients paying me on an hourly basis. I'm lucky that there was never a day I ran out of a remote job since the day I started (October 26).

Fourth, whenever payment enters my bank account, 95% goes to my savings. 5% is allotted for my needs (food, rental, internet bill and toiletries only)

By the time I'm able to build my own empire, I'll still stick with the four things I mentioned above. Nothing is permanent so it pays to be financially prepared
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Sunday, June 12, 2016

Back at the home office

Since I started working from home, my friend and I have been sharing a home office. She also does online jobs. For the past three (3) days, we didn't have internet connection at the home office so I worked inside my room using my mobile broadband. Now, our internet connection has been restored and I'm back at the home office.

For those of you who work online, what do you do if you have internet connection issues? Do you also have a backup plan?
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Sunday, June 05, 2016

Annoying things people do in public places

Yesterday, I did my grocery for the week. While I was pushing my cart, a pair of lovebirds was taking their sweet time displaying their affection for each other in the middle of a narrow aisle. They don't have a cart with them. (It appears they don't have any intention to buy)

I pushed my cart gently to alert the lady that some of us are waiting for them to wrap up their “shooting.” The lady just ignored me.

Since I forgot to include Patience in my grocery list, I told them to “get a room” and get out of our way since there are two of us (an elderly behind my back with a cart) whose precious time are wasted just because of their PDA. Then, they scurried off.

Aside from the above-mentioned, are there things that people do in public that annoy you?
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