Need to remind myself about this and this is a must!!. Sometimes we tend to copy what others or our friends are doing or buying in order to fit in but we have to realize that we are not all the say and it’s ok not to have what they have as well.
1.New Zealand
2. Australia
3. South Africa
4. Canada
5. United States
6. Turkey
7. United Kingdom
8. Philippines
9. Spain
10. Malaysia
11. Brazil
12. Italy
13. Mexico
14. Singapore
15. France
Forbes.com recently released the list of The World’s Friendliest Countries and I’m happy to know that Philippines is on the 8th place. No doubt that we Filipinos are friendly and hospitable.
Aside from blogging, I’m also into digital designing. Been designing since 2007 and I’m loving it. Just last August 2011, I bought a new HP desktop for I want a bigger screen when I’m designing my digital scrapbooking kit. My laptop’s screen and speed can’t keep up with my designing needs so I decided to get a new desktop that I can use here at home.
I love HP brand so I bought the same brand in GH. Luckily, it was on sale and along with that I got a free speaker and HP printer. I must say that HP products are durable and performs well. Been using the printer since August and I’m quite surprised that it still has a toner up to now. When the time comes the ink will run out, I know I will get an original toner cartridges to maintain the performance of my printer. With the looks of it, I guess the printer is toner saver and I got my money’s worth already.
Hey everyone, how’s your holidays and 2012 so far?
The holidays are just too busy for most of us and I guess we’re all ok now that new year has started. 2011 is pretty good for me and I hope 2012 brings more luck and good things for all of us. I’m just praying so hard that no more disaster where hundreds of people will die just like what happened in the Cagayan de Oro and Iligan City tragedy last December. It’s just so heartbreaking to see their condition in the news and to hear all the sad stories.
May the Lord bless us and like everyone are saying, there’s new trials and challenges but we need to be ready to face them for all problems will have a solution. We need to trust in the Lord for He has the almighty power to give all the blessings and the healing that we all need.
Happy new year everyone!
Image via Wikipedia
There are few times in life more exciting than when you leave home to attend college and begin your career. This is a time of freedom that is unmatched in any other time of life. After you begin work and find a partner, the rest of life seems to be set for you. But this is a time that you can learn, grow and enjoy everything that life has to offer. The only little down side seems to be getting a grasp on your finances.
Learning to Set a Budget
Life isn’t as easy as many moms and dads make it look, because they’ve had two or three decades more experience than you. But many of the things they’re telling you are right. You need to set a reasonable budget and learn to stick to it. In time, you will build savings and credit. Until then, you have to learn to do without a few things you’d really like. When an emergency creeps up, use options like Mobiloans to get your life back on track.
How to Make a Budget
Figure up your net pay. This is how much you bring home each paycheck after taxes, insurance and other deductions. Then add up all of your monthly expenses. List the most important things first. Subtract what you have to have to live each month from what you earn, and this is the money you have to use at your discretion.
Using Discretionary Money
You probably have a lot of things you need and even more things that you want. Make a list of your priorities and spend your extra money where it really counts. It may be worth it to you to skip eating out and spend your money on art supplies or car parts. This is part of being an adult, and there is nothing wrong with making sacrifices in one area to enjoy another, as long as the bills are paid and you are eating regular meals.
Image by stevendepolo via Flickr
In the Long Run
It is important to remember that the freedom of this time of your life does come with a price tag. It takes time and experience to build wealth. Set a small amount of money aside each week to build a savings account. Use credit wisely and don’t take on a monthly car payment or high rent payment that you aren’t going to be able to make. Above all, be patient. Your parents probably didn’t own a home the day they graduated, either.
Last December, I guess most of us spent the days attending family reunions and get together of friends and other relatives. Yearly, our highschool batch is having an annual Christmas get together in one of our batch’s house. Last year, eventhough we are few in numbers, the laughter and the bonding is incomparable. All of us enjoyed talking about our highschool days wherein we can’t help but to burst into laughter at times. It’s also good to know the status of our lives. Some are stay-at-home moms, others are business people while others are professionals. One batch mate is a doctor, others are nurses, while others are dentists.
Just in time, I need to have my teeth fixed and I wanted to try her service this year. I heard she has lots of clients among our batchmates and soon I’ll be her client too. I bet she worked hard to be a dentist and I guess she also dreamed of being in the Oral & Maxillofacial Surgeon Jobs too.
Another batchmate who is a nurse came home from the US for her Christmas vacation and this month, we’ll be meeting her and her family. I just home I can come for she was my friend back in highschool too.
Yahoo releases the Top Viral Photos of 2011 and it’s interesting that our own biggest crocodile “LOLONG” in the world is included: Photos from Yahoo
1. Philippines’ giant crocodile 
2. Cyclops shark Vancouver 
3. riot kiss
4. Atlantis shuttle launch
5. Earthquake bride
6. Bubble lake
7.Pepper spray at UC Davis
8. Lightning strikes Eiffel Tower
9. President Obama waves
10. Whale nearly swallows diver
I’ve been online for the last 10 years now and I have to say that I have learned a lot, gained friends, shared some of my thoughts, experiences and thoughts through my blogs. It has given me so many advantages in knowing about certain products, other people’s blogs, great resource websites. I started my 1st blog in 2005 and it was on free blog hosting from bravejournal. I then made blogs using blogspot and then wordpress. My blogging really evolved and realized that getting my own domain is the best way to go too.
Before I ventured on getting my own domain, I read reviews, ask my friends for advice and even read tutorials online. Thanks to sites that offers web site hosting reviews for it was very helpful for me in choosing my webhost. I’ve been using Blue Host for a while now on this blog and I’m happy with their services.
If you are thinking of getting your own domain and web host, try to read reviews first so you can compare services of web host providers.
Kids were so excited to open the gifts they got from Santa on Christmas morning but it was our family tradition to open our exchange gifts after dinner time on Christmas day. Kids (but also adults) could not contain their excited to see what’s inside the wrapped gifts. My youngest niece would even find the gifts with her name written on it and then guard it ..lol She so funny! She would also try to guess what is the gift and would giggle with so much delight.
Christmas is a time for giving and even though there are times that money is hard, giving just a small present to each of us is already big enough. We don’t need too much expensive or glamorous gifts for what matters most is that you share and remember your loved one during Christmas day.
We’re looking forward for the next Christmas and I’m sure we’ll all enjoy opening them once again. Merry Christmas and Happy New Year all!
Few more days and 2012 is here already! Wow, time sure flies so fast. Another year will end and a new one will come. I have so many blessings received this year and I’m so thankful for that. I just want good health for my family this coming year. Mom will be operated next month because of her gallstones so I’m praying no complication will arise.
Speaking of my mom, she’s now very busy with her outdoor cleaning for she wanted our place to be clean and neat before the new year starts. Actually, she just finished her recent project. Mom already asked our helpers to changed our roof gutters before the rainy seasons will start. I’m pretty sure she still has lots of projects next year and I will not wonder if one day she’ll buy one of those outdoor thermometers and put it on our place.
Her new plants are also growing healthy plus she was excited to see some fruits on her mango tree already. Harvest will be on summer time. She still plans of planting another fruit tree in front of the house as she loves seeing her trees bear fruits. She definitely has a green thumb.