Building an Emergency Fund

I’ve started investing already and one thing that I forgot is to save my own emergency fund. I know it should be first on my lists! I’ve heard how essential it is to have one. Emergency fund should be a very liquid amount where you can pull out anytime in case of emergencies (of course from the word itself). It is an unexpected event that may require immediate consideration. Examples for emergency situations are: Medical Emergency, Job loss and Property loss.

The Buffer fund (that’s what I call it) should amount to 3-6 months worth of your total monthly expenses. Why expenses? Your Income and Savings may stop but sadly not the expenses. Let’s say if you get sick, you need to go to the hospital, your income will stop and we all know that no work - no pay, right?  Also, in case you lost your job and you may have to maintain your current lifestyle. What if, at that point in time you’re still paying a debt? That’s a huge financial loss! This fund should be separated to your savings account.

How to start building your emergency fund? You should allocate a percentage of your monthly income for this one. Moreover, it depends on the amount of your total monthly expenses. Let’s say if you have PHP 5000 worth of monthly expenses, you have to save around PHP 15000 for your emergency fund. That’s 3 months worth of it. After hearing about 52 Weeks Money Challenge from Kuripot Pinay, I got this idea that I will align my emergency fund goal to this challenge. Personally, it’s a good start especially if you don’t have any idea how much percentage you should allocate on your income.

Where do you place your emergency fund? The money should be readily accessible.  You may place it on a savings account with an ATM so that you can withdraw it immediately.  Sometimes when we have readily accessible money especially with an ATM, you will without a doubt tempt to use it. You must have a strong will-power to resist temptations! Your attitude on handling money is imperative.  Sale on the Mall is not an emergency! If you must, leave your ATM card on your house before it’s too late.

 The Golden Rule: You should never ever touch your Emergency fund. You should only use it in case of urgent situations.

Having an emergency fund is really important. We’ll never know what will happen, so planning ahead is always better.

image sources:

Kuripot Pinay 2015 Money Challenge:


What is Happiness? According to Wikipedia, Happiness is a mental or emotional state of well-being characterized by positive or pleasant emotions ranging from contentment to intense joy. People from various backgrounds and cultures have different definitions of it. I believe there is more to it than just a mental or emotional state, I can't even describe it completely. 

While reading the book Eat, Pray, Love by Liz Gilbert (totally savoring each chapters of the book!), she describes it as a consequence of personal effort. You fight for it, strive for it, and insist upon it.    

I totally believe it's true, when you find that happiness you've been looking for throughout your life, you'll do anything to keep it.  Happiness can mean many different things to others. We all have our own perspective to what it should be. Everyone desires happiness. 

As for me, I know that happiness is within reach, you just have to open your eyes to everyday blessings, you just have to be grateful for everything that you have and will come. Look within yourself what makes you happy and contented. God Bless. 

Year Review: 2014

Time flew by like a blink of an eye. I should have posted this last week but I keep on procrastinating HAHA! Nothing has changed. I've been a busy bee lately so don't judge LOL

10 Great Things happened

1. Chanly reached 4! My longest relationship ever LOL. I look forward to more years with him.
2. The team had its ups and downs last year but we've conquered the challenges with a brave & positive outlook. For the first time in forever, the client is unbelievably generous this year, not to mention the incentives and bonuses. We had two out of town outings. The one was in Dahilayan where we stayed for 2 days and 1 night. The other one was in Dapitan City.
3. I joined NCIP & God had showed me my passion for helping people. It was the most humbling and amazing experience this year.
4. Started to work & invest on my future. It takes a loooooooooooooooooot (don't count the o's) of work, courage, commitment & dedication. It's not easy! I know I'm capable of so much more. I believe that in the most uncomfortable state of my life, something great will happen.
5. I am an insurance agent! I wanted to join seminars & training about investment vehicles. I've watched a lot of finance videos already and having an insurance while investing is really important. I realized, I don't want to enter something that I'm not sure of, that's why I've invested my time and money here to gain more knowledge.  It's a big risk that I've taken this year & it has ample responsibility connected to it.
6. I've had hit 56kg to my weight, the lowest ever this year. But because of the long holiday, I think I'm back to 60kg LOL.
7. Bananey is now working! I miss him, every single day while he's onboard and even when he's in Manila. 
8. I've received a generous amount of money from our client.
9. My prayers & wishes came true this year!!Thank you Father God! I am forever grateful to your grace and goodness.
10. I have 2 good looking nephews already! My eldest sister gave birth to a healthy baby boy last September. Our little bundle of joy is so charming.

10 Things I learned

1. Never stop learning and growing. Invest on things that will help you achieve your goals in life.
2. Don't be afraid to fail. If you never fail, you'll never grow. Learn from them, move on and work harder. Challenge yourself!
3. Get out on your comfort zone!
4. Invest while you're still young. Build your empire now. Time waits for no one.
5. Meditate.
6. I learned to be more understanding and patient with people.
7. To be grateful every single day. I've started to write daily gratitude.
8. Changing the way I see every challenges I've faced, how to approach it positively & control my emotions. 
9. Never tolerate small minded and negative people. I try to distance myself with toxic people and I can identify one.
10. Never be too judgmental. There's always two sides to every story.

Great people in my life
1. Papa - I'm amazed that my father is supporting me right now with my goals in life. 
2. Boyfriend - This person believes in everything that I do. He supports and encourage me to do well. He would always tell that he got my back. 

Hey sunbeams!

We had a meeting yesterday and a friend noticed that I look pale. I tried to put on a lipstick, I hurriedly applied one but since I don’t like the way it looks on me, I decided not to apply anymore.  I have this idea that maybe I look pale because I don’t get enough sunshine. They say that you need to get a little exposure of sunlight; it’s good for the health. I’ve been sleeping late & waking up late too. Last night, I decided to sleep early (I did, slept around 12AM LOL) & should wake up early to get some vitamin D.  I woke up early today, hurray! Actually, I woke up because of the noises I heard.  Omo, my family is really noisy early in the morning! I heard familiar voices in our living room, I realized that my aunt & uncle arrived early from Bohol (I’m not sure what their business here in CDO, maybe they have important event to attend to).  I woke up around 6AM, I jumped on my bed cause I have to get some sunshine!

To my surprise the weather is gloomy, and then my aunt says there’s a low pressure, wrong timing eh? I didn’t even know there’s a low pressure; I don’t like watching news (too much negativity there), that’s why I can’t keep up with the latest updates, especially the weather. This weather is an epitome of appreciating little things, we miss the sunbeams when it rains & vice versa.  Ooh, this kind of weather makes me a lazy. 

10 Movie Soundtracks

Here are some soundtracks that I love from movies. Yes, I pay attention to soundtracks, and there are other pretty songs out there too, but I just like these songs so much. 

Once in my Life (Stevie Wonder), Shrek 4 - I heard this one in an ending song from Shrek 4 movie. At first, I kinda like it cause it was upbeat, catchy & you can tell by the melody that it was a classic song, I didn't know who the artist at that time. But the more I listened to it, the lyric & meaning of the song is so amazingly beautiful, touching and moving. The song is about finding that special person you've been looking & dreaming for your whole life. That person who gives you bundles of happiness & joy. This is a perfect wedding song.

Little Wonders (Rob Thomas), Meet the Robinsons - it is one of the songs that would make you reflect about your life decisions especially looking back at your past experiences. Whatever the decisions we've made in our past, it makes us who we are right now. It is one of our defining moments and that little wonders will remains a memory we will never forget.

Iris (Goo Goo Dolls), City of Angels - This song is so popular during my high school years that makes me annoyed how people like the song so much. I didn't even like the song back then since I cannot understand the meaning behind it. During my college years, a friend told me that it was a soundtrack of the movie City of Angels. I haven't seen the movie yet but that friend recommended me to watch it cause it was really good. After watching the movie which is so tragic by the way, I clearly understand the meaning of it, and then I started to like the song. The song was about the perspective of Nicolas Cage's character in the movie. Cage was an angel; they help those humans who died transition to the afterlife. Unexpectedly, He falls to a human which is played by Meg Ryan. He was torn to choose between his love for Meg, or give up his immortality. It's a heavy decision though but he's willing to give up everything for Meg, sweet.

Somewhere only we know (Keane), He’s just not that Into You - Well, the movie was good cause Drew was there, I love her! I like the song because of the melody. At first, I thought it was kinda sad song, since I heard this line "this could be the end of everything." For me, the song is about a secret place whom you shared with a special someone, where you've had a lot of happy memories with that person.  How you would wish those happy memories would somehow be back to the way it used to be. You'll find strength as you remember those moments.

500 miles (The Proclaimers), Bridesmaids - Bridesmaids is one of my fave comedy movie ever!! But I love the song 500 miles more. The song is about a man being devoted to a woman, who would do anything just to spend the rest of his life with her. I love the meaning of that song, I even tried to make my man sing it for me LOL but he doesn't know the lyrics though haha! You will fall for this song, who wouldn't?

At the Beginning (Richard Marx and Donna Lewis), Anastasia - I know I've seen this movie but I just couldn't remember seeing it on DVD, will watch it again, if I have time. The song is really popular back then. I remembered one of my officemate played the song & I like how the message of the song would reach your heart. Somehow the song resonated in me. The song is about finding your true love, at first you wouldn't even know if that person is really your true love, no one will ever know at first, right? With all the happiness, storms & challenges you've been through together, you realized that person is the one for you. The one who is destined for you, your true love. No matter the challenges and uncertainties in the future, you'll always be there for each other, fighting and standing still.

You got me (Colbie Caillat), Leap Year - I love this movie so much. Amy Adams is really adorable here and the guy is a real cutie. Ireland is one of those places I want to visit, magical and serene place. The song you got me was played at the end of the movie, where the guy proposed to Amy. The scene is super romantic & the view is stunning, the sun is setting down and the splash of pretty colors, it was a dreamy scene. The song is about a guy whose in-love with you, does everything to make you happy, you can’t resist but want him more; you just can't get enough of him. You always look forward to seeing him, and you just can't imagine life without him, crazy right? But it's the best feeling you can't ignore.  

When you say nothing at all (Ronan Keating), Notting Hill - The song is like the proverb "action speaks louder than words", even if you don't say anything at all, everything reflects on your actions. Even in silence, your special someone knows what's between those actions you’re projecting. 

Grow Old with You (Adam Sandler & Drew Barrymore), The Wedding Singer - This is the most mainstream song ever, I've heard a lot of covers of this on YouTube. Who wouldn't love the song? You would do anything for the person you love, even if you can’t watch your favorite TV Show (WHAT?!). Well, you can check YouTube though.

Way Back into Love (Hugh Grant & Drew Barrymore), Music & Lyrics - The song is about moving on from a past relationship. Being lonely cause you’re still trap from the ghost in your past. And you're just hopeful that someone would bring back the wonderful feeling of being in-love, that makes your heart race & flutters your heartbeat.

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