10 Financial Tips that I do to Save Money

photo grabbed from ecx.images-amazon.com

I’m now halfway to my 20’s and it is hard to admit that I am not getting any younger but have low net worth, less earning income and zero property. Last year, I started saving money for my retirement plan and for purchasing future property or for venturing into business. I am now on the verge of aggressively increasing my savings and these following tips really help me to achieve it:

1.       I record all my expenditures every month to easily track down which expenses I need to minimize or avoid spending.

2.       I am an impulsive buyer before but now I try to control it by categorizing the product or things that caught my eye if that's a necessity or not.

3.       I eat out one fewer time each month.

4.       I avoid going to the malls during payday.

5.       I do my shopping during sale.

6.       When I do my grocery, I bring a list with me and I stick to it. I also make sure that I am not hungry or else I might purchase things that I don’t really need.

7.       I bring my packed lunch to work.

8.       During payday I take off 10%-20% off my net income to put into my savings account. This one is the hardest thing to do but it makes me happy when I know I got to save more for that month.

9.       Live a simple life. Don’t be a snob or purchase things that are expensive especially if you can’t afford it. I learned this mantra from our former sr. accountant of the company I am working right now.

10.   I watch my savings grow and it gives me a satisfaction that I am on the right track. I giggle when I reach or meet my target amount quarterly.

I hope those tips I mentioned above will also inspires you to save more and be financially free from debts! Why not share your saving tips on the comment section below so that we can discuss it.

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Loreal Anti-Freeze Serum Leave On & 6 Reasons Why I like it

I have unruly hair and if you happened to be one of my closest friends you would know that I'm super addicted on using hair serum! It is timely that I run out of Etude House hair serum and the shopping hormones was activated in me that day. I went to Watson’s and Loreal Anti-Frizz Serum caught my eyes.  I guess it was love at first sight that I immediately run to the cashier to pay for the product. Hehe.

L'oreal Smooth Intense Anti-Frizz Serum Leave On
(Sorry for the bad resolution of the photo because I shot it using my dinosaur phone)

It has been two weeks since I am using it and I find a tremendous result in my hair. Here are my top 6 reasons why I like the product:

1. It has this subtle floral scent like jasmine.
2. It is not sticky nor oily when I apply it on my hair.
3. My hair becomes less rebellious and easy to manage.
4. It gives my hair a mild shine minus the oily wet look.
5. It is cheaper I bought it at Watson's for 345 pesos! It is more inexpensive than the Etude House Hair Serum.
6. It has Argan oil which is very good on hair.

Do you have any hair serum that you use in your hair? Share your stories in the comment section below.

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Trying Out the Pantene 3-Minute Miracle Conditioner

I'm one of those lucky ladies who got a free sample of Pantene 3-Minute Miracle on bdjbox.com! This new range of conditioner from Pantene is not yet out on the super markets and I'm happy that I got the chance to review it first before the prelaunch.

When I received the package I got so excited to try it out right away because I have a wavy and frizzy hair to tame. Without further ado here are my unbiased thoughts about the product.

• My hair felt smoother and softer after I use the product. By the way I use it for three consecutive days.
• It has a very nice smell on the hair that's not overpowering
• It is much easier for me to comb my unmanageable hair (Blame it on the perks of having a wavy and frizzy hair. Shout out if you are with me! LOL.)
• After I dry my hair I noticed that my hair is 40% less frizzy which is a good thing because I don't look like a witch anymore. I just apply a hair serum to tack it up.

All in all I am quite happy about the result. I am willing to purchase this product when it is already out in the market. Do you have any thoughts about Pantene 3-Minute Miracle Conditioner? Why not share it down below on the comment section.

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25 Facts About Me

This article came out to me while browsing random blogs online and thought it is a good  topic to talked about here in my page. The original title is "50 Facts About Me" but I shortened the list because of two reasons: First, I might run out of ideas/information to list it here and second it's too boring to read long blog post. Hehe. Okay, let's begin!

1. I have a wavy hair
2. I am not fond of eating chocolates or anything sweets.
3. I love to eat pancit or any noodle dish.
4. I am thrifty kind of person. I don't spend a lot on things that is not important or unnecessary to me unless I am stress out or depress.
5. I love to eat strawberry desserts.
6. I am a home bodied person
7. Though I am 25 years old I still have pimples on my face which kinda sucks. I just hide them using foundation, concealer or face powder. I also thanked the day photo filters have been invented.
8. I have this huge crush on my boyfriend back in high school.
9. I am the eldest among my two girl siblings.
10. My full name if you put it in initials including my middle name it will be triple C's.
    
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11. I am petting two goats at the province. It's for earning income purposes.
12. I am not afraid of spiders nor flying cockroaches.
13. I had two minor surgeries in the past: chalazion and cyst surgery both operation is under local anesthesia only.
14. You can easily remember my birthday by memorizing 10/20 which stands for October 20th.
15. My zodiac sign is Libra
16. I have this OCD every now and then
17. I love to catched dragon flies and grass hoppers when I was a child.
18. I was born in Cebu but we moved here in Manila when I was 3 years old. I can still understand a bit of Bisaya.
19. I dreamed of becoming an engineer before but thank God I didn't enroll that course in college because that would be so much stressful for me to take. I kinda stupid on Math.
20. I love to watch romantic comedy films
    
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21. I am addicted to playing farm heroes on my mobile phone. I know, I know it is too old school.
22. I love to eat potato chips and fries
23. I am not easily to talk with when I am on my period. I am too emotional or I am mad during those days.
24. I have this gay-ish tone when I talk.
25. I love to wear flat shoes!

That was a fun list and I hope by reading this entry you will know a little information about me. 

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4 Reasons Why I love Etude House Silk Scarf Hologram Hair Serum

I've been searching for a long time to find the right hair serum for my thick, dry and unmanageable wavy hair. As I looked vigorously, I finally found the answer on the form of “Silk Scarf Hologram Hair Serum” from Etude House. Tadaaaaaaa!

I can now say hello to amazing hair every day and bid farewell for bad hair days forever! Isn't that cool?! Meow. To share this wonderful discovery of mine I will list down below the reasons why I love the product so much.

1. The bottle has a pump in which I can control the amount of hair serum to put on my hair
2. It is light and not sticky nor oily when I apply it on my hair
3. The hair serum has a nice scent but not too powerful that it hurt my nose
4. The product can be purchase on all Etude House stall.

The only down side that I can think about the hair serum is the price. It is a bit expensive for 348 pesos but I will willingly repurchase it again since I am happy with the result it gives to my hair.

Do you have any hair serum that you can suggest to me that's good but much cheaper? Kindly post the comment below. To end this note I would like to remind you that you are awesome today and stay pretty always!

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4 Reasons Why I love English Tea Shop Super Berries - A Review

Hello my dear readers! Happy new year to all and I hope the year 2015 brings more blessing and amazing opportunity to us. I'll cut this little introductory of mine to give way to my food review or shall I say tea review. LOL.

I have a little secret to tell you and it is not about love or make-up or what not. It's about tea, yes folks! I found the perfect tea for me and it is English tea shop super berries!  Let me list down the things that I love about it and I hope after reading this article you'll try it too.

English Tea Shop: Super Berries

Infusion of sweet strawberries, plums blueberries and perfectly formed raspberries

1. The scent is fruity addicting! I don't know if that's the correct word to use but that's what I smelled when I mixed the tea with hot water.
2. There's no need for you to add sugar because it is sweet on it's own. Remember my review about Twinings, you can read the article by clicking the link.
3. It is a good tea to drink after a heavy meal because of its light subtle taste.
4. The tea is organic!

I will repurchase this tea again and stock lots of them at home. It's a perfect drink in the morning for breakfast or afternoon while it is still cold here in the Philippines. What about you? Do you have any brand of tea that you like? You may share it on the comment section below.

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Office Kris Kringle 2014

Hello my dear readers, I’m so sorry if I have been missing in action in the virtual world lately because I was busy doing work related stuff, home budgeting and buying gifts! Time flies so fast that we are in the mid December already, I can’t believe it! I am so excited now for Christmas day plus the fact that we have a longer vacation for this month. Isn’t it amazing?!

I love unboxing gifts; surprisingly we have had our first kris kringle in the office. The table below is the themes of the gifts that we need to give to our monito/monita. The item must be unisex and should worth 50 pesos.

WEEK	THEME
1ST (Nov. 17)	‘YOU’ – Secret Santa’s description
2nd (Nov. 24)	Something orange J
3rd (Dec. 1)	‘CHILDISH’
4th (Dec. 8)	‘UNIQUE’

Here is the gift that I received from my secret Santa on the 1st week:

A CD which has a long list of hit songs of 2014! I love it.

For the 2nd week I received two pieces of orange bowl.

 For the 3rd week I received this:

Top left to right: Plastic Rainbow magic spring, eggheads

For the 4th or our last kris kringle my secret Santa gave me this super cute ball pens:

I super enjoyed our kris kringle and I love how awesome and cute the items that I received from my secret Santa. How about you? Have you gotten your gifts already? Share your comment below.

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Lunch at People’s Palace Thai, Greenbelt 3 Makati

Our web content creator, Kuda treats us in this posh restaurant in Greenbelt 3 Makati for our lunch. It was his pre-birthday celebration to us since we did an awesome job for our task. The name of the restaurant is People's Palace Thai and their main specialty is Thailand cuisine. 

When Kuda announced it to us we are very excited because it was our first time to eat there. We went there around 11 in the  morning. When we arrived there's no customers yet, a perfect time to go there because we had the opportunity to choose a good spot for our table.

Okay because I am too lazy today let’s skip the long introductory text and let the picture do the talking. We ordered four dishes to share with each other and they are the following:

Phad Thai Rice Noodle Stir-fry(prawns, chicken bits, tofu, bean sprouts) 

Yellow chicken curry(eggplant, kaffir & basil)

stir-fried chicken and cashew nuts chili with spring onions

Pineapple seafood friend rice

I am not sure if this is espresso + macchiato or cappuccino + latte but as per Teresa this taste good.

Maricris smoothie, she chose strawberry + banana + vanilla + yoghurt 

Phad Thai for me is like pancit so I really love that dish and the pineapple seafood friend rice. The least favorite dish that I've tried is the yellow curry. It has a weird bland taste that I didn't like, my team mates also agree. 

I didn't order drinks and opted for water to clear my palate. It is a wise decision I made since the dishes has this intense flavor because of the spices that they've use. We are so full but we still manage to order desserts. Lol.

People's palace chocolate cake + vanilla seed ice cream

mango cheesecake baked + fruits

pavlova mango + passion fruit

I'm not really into sweets but I like the people's palace chocolate cake and mango cheesecake! The pavlova mango cake looks enticing to the eye but didn't taste good. A piece of an advice don't order this cake.

I also checked the bathroom of the restaurant and I am in awe of how beautiful and clean it is. 

I love the bathroom sink and the centerpiece orchid

I also love the scent of their hand soap and hand lotion

Obligatory bathroom selfie. Hehe.

Have you try to dine at People's Palace Thai restaurant? What are your favorite dishes there? Share your comment and recommendation below.

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Music21: Halloween Office Party & Surprise Birthday Cake for October Celebrants!

Last year we spent the Halloween party at the office. If I can remember correctly, we just invited a small number of kids for trick or treat and had simple snack after. For this year we changed it and suggested to have a videoke/karaoke party, luckily the management approved it. Hooray for our kind boss in Australia!

Due to difficulty on reservation for the last week of October; we set the Halloween party a bit early last Thursday, October 23 at Music21. We went there after our shift and arrived just in time at the venue. I take the chance to shot as many photo as I want but that didn't happened because my phone is acting strange that time. Boo!

Without further ado here are a few photos of the event that I took and our sumptuous meal that day:

Random banner

The room is clean and spacious. I like it here compared to center stage

Comfy couch

The telephone line connected to the admin that can be use for inquiries, technical problems and order purposes.

The food is served right away after the lady assisted us to our room. Good job!

Lia and Tin

L-R: Tere, Liezel and Drei

L-R(Tere, Maricris and Liezel) They are busy picking their songs while Ms. Drei is busy texting or tweeting the event. LOL. Okay, I just made the latter part.

Ed and Kuda. Sorry for the blurry photo because my phone is acting strange that time and I forgot to fix it. Huhu.

Another blurry photo. Boo. L-R (Oh hi James, Maricris, Tere and Liezel)

The party is not complete without the food.

Calamari with prawn crackers

Sweet and Sour fish

Chopsuey

Calamari

Chopsuey

chicken and prawn crackers

Pancit. I can eat this all night. Haha

Rice

Carbonara

They also have surprise cake for October birthday celebrants which I am also included. Awww.

They sang us "happy birthday" song then we blow the single lighted candle.

October birthday celebrants! Left-Right (Kuda, Me, Lia and Drei) Just don't mind my big tummy. Haha.

The event is super duper fun! We just laughed, sang and stuffed our tummy with food. We also have potential singers in the office that we discovered that night.

What about you? How's your Halloween party? What costume did you wear? Are you also celebrating your birthday this October? Why not share your comments below. I would love to hear or read it.

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Kuda's Pasalubong: Belgian Chocolate Seashells

One of my office mates, Kuda went to Hong Kong for 3 days and brought us this Belgian chocolate treat! Tadaaaaa:

Who can't resist with this chocolate indulgence?! Anyone? Of course there's none.

The chocolate goodies while Maricris patiently holds the box while I am taking this shot. The perks of having a supportive office mates! Thanks girl.

I grabbed one and eat it joyfully! It tastes so good. The level of sweetness is just right which I really like about this one because I am not fond of eating super sweet chocolate.

My mussel shaped Belgian chocolate

Look at that chocolate heavennnn. I can almost hear the angels singing in the back ground while I am munching it.

How about you? Do you have a favorite brand of chocolate that you like? Why not share it on the comment section below.

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