Wednesday, December 31, 2008
....2008
The table is set. The food have all been cooked. The fireworks are ready. I am home from attending the church service the last mass of the year. The neighbors have started getting noisy. A lot of firecrackers can be heard. And there is but a few minutes left before we leave 2008 behind. But before we bid farewell to 2008 I reminisce about the past 12 months and I smile, I frown, I even get teary-eyed about the memories I have. I have been tremendously blessed. And I am very thankful to the Lord. Now as 2009 begins I hope for better things to come. But most of all I pray that we may be blessed with a baby soon.
Monday, December 29, 2008
financially...
With the year about to end and another one about to begin it's high time to think about our financial status.
I have always said that a retirement fund is a must because we don't want to be dependent on others when we are old and gray. But I'm fessing up. I haven't been very good with regards to this. So for the coming year I will strive harder to contribute to our retirement fund.
And we should really have an emergency fund. We'll never know what the future holds. Some say that an emergency fund should be equal to your monthly expenses X 3. But this is a modest amount. Just think how many months is comfortable to settle with and multiply that with your monthly expense. Personally, I'm targeting 6 months. So if your emergency fund is in a bank (or in your cash box) be sure not to touch or spend it. It should also be accessible for it is indeed an emergency fund!
I have been pondering on jumping into the investment bandwagon but I know that it is not wise to invest in something if I don't understand it. So I'm still reading up on that.
Our financial accomplishment for this year is that we are debt free. I don't use credit cards. Hubs has one which he uses for when he's travelling. But as per our agreement, everything that he pays thru swiping must be paid in cash immediately. It is better to pay debts as soon as possible rather than letting the money stay in the savings account.
I have always said that a retirement fund is a must because we don't want to be dependent on others when we are old and gray. But I'm fessing up. I haven't been very good with regards to this. So for the coming year I will strive harder to contribute to our retirement fund.
And we should really have an emergency fund. We'll never know what the future holds. Some say that an emergency fund should be equal to your monthly expenses X 3. But this is a modest amount. Just think how many months is comfortable to settle with and multiply that with your monthly expense. Personally, I'm targeting 6 months. So if your emergency fund is in a bank (or in your cash box) be sure not to touch or spend it. It should also be accessible for it is indeed an emergency fund!
I have been pondering on jumping into the investment bandwagon but I know that it is not wise to invest in something if I don't understand it. So I'm still reading up on that.
Our financial accomplishment for this year is that we are debt free. I don't use credit cards. Hubs has one which he uses for when he's travelling. But as per our agreement, everything that he pays thru swiping must be paid in cash immediately. It is better to pay debts as soon as possible rather than letting the money stay in the savings account.
Wednesday, December 24, 2008
Noche Buena
Christmas is just a few hours away! And of course being Pinoy food is a big part of the celebration. So here is our menu for Noche Buena:
- Spaghetti
- Zippo Egg
- Ham
- Buffalo Wings
- Shrimp in Tomato Sauce
- Coffee Crunch Cake
- Macaroni Salad ala Leng
- Kalamay from Susie's
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