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.

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

paint it!

Hubs is bent on redecorating our room. And awhile ago we went out to Wilcon Builder's Depot and bought the paint and all other paraphernalias. Whew! The place is big. And although there were a lot of sales personnel on the floor they are not like most sales personnel who hounds you until you buy something. These people just looks on and does not make a nuisance of themselves. They let us roam around the place and when we needed a hand they were there for us. There were a lot of shades to choose from. But since we both wanted to use greeen as our primary color we perused the green folder longer. And in the end we decided on having the distant haze paint mixture for our room. The mixing took about 5 minutes and then we were good to go. They said that it is odorless and well, tomorrow we will find out. For tomorrow, our bonding session would be painting our room!