crosswordbebop

This week, I made another slightly major purchase of a 'want'. I feel giddy and guilty. photo grabbed from Egandeula's Sari Sari's Facebook Page So I'm sitting here on top of my uncomfortable high chair, in front of a borrowed laptop (my husband's), willing myself to start on my financial plan. To be fair to myself, I am not starting with nothing. I have some savings. But to be realistic, I am an employee, part of the (hard) working middle class. I have two kids, one of school age (4 years old). The husband and I are bracing ourselves for a major borrowing commitment (his part of the commitment) and a major unavoidable expenditure (my commitment) in the next 3 to 4 months. Now if I could just win the lotto. Not that thought again. :) If you are like me, let's not despair. I have just read this article on www.brighterlife.com.ph on How an Employee Can Prepare for Retirement . Th e article says if we, ordinary Juans (and Juanas), can save 20% of our net pay co...

I was never good with money. I remember when i was a kid, a then-childless aunt would occasionally borrow me. I would sleep over and we’d say the rosary before we go to bed. I knew the rosary by heart then and my auntie would let me lead as we pray for her special intentions. The best part of being with my auntie was the upgrade in my baon. She used to give me P50, which is more than twice the baon i normally got from my parents. The first time that happened, I felt I won a major prize and went on a spending spree on food, mostly ice cream and soft drinks. The rest of the day, I felt rich and powerful and every now and then bought candy and snacks. I had a smirk on my face I couldn’t erase! On the way to the tricycle stand after school, I reached into my pocket for my P1.00 fare but alas! I had nothing in my pocket. Not a centavo. Nothing! Nada! How could that have happened? I started the day rich and then suddenly I was penniless? I felt like crying. I almost did. How the hell was I t...