financial learnings

2010 is about to end and it has been really tough for us especially on the financial side. the important thing is, we've learned and we are still standing. AND we have faith that God will see us through this.

oh, and did i say that these learnings had also cost us? sheesh. oh well. again, at least we've learned. let me put it into writing so we won't forget. hahaha!

when selling an item, learn to wait. give a time line before lowering the price. money down (fully paid) before giving it to the buyer even if its a relative or a trusted friend.     

never do business with MFB!

one won't really earn big by joining a bazaar. if you want to earn, make joining a bazaar a business. join regularly.

in a car accident, don't admit right away that it's your mistake. keep your cool. relax. get a police to assess the situation. 

when engaging into a new business, do not use your personal money especially if you just have enough. save some more or make a loan.

selling online could be somewhat difficult. one has to have a lot of network to be able to sell continously. buying items in another country and selling it here in the philippines is good. one just has to know the right products that will sell. if unsure, just try a few items first. otherwise, you'll be stuck with the products.

purchasing electronics in another country will cost less, true. but when shipped here, it will cost more because of taxes and customs dues. PLUS, when the unit gets defective, the authorized centers could repair it but it would also cost more since the parts had to be ordered abroad too.

 

don't own a credit card. period. :) if unavoidable, try to maintain just one (and only ONE) and keep the credit limit at a minimum. pay on time and in full.

 

it is ok to help other people. secure yourself and family first.

 

cheap items or buying items at a bragain does not really mean that it is of high quality. it is best to canvass and research. plus asking around helps too.

tithe. it will be an 'added expense', but base on experience, doing so will help you have enough resources for all of your expenses. honest!

God is amazing!

my struggles

i love my kids! i think i love them too much to spend all, if not, most of my time with them. they are my priority that at times, i tend to sacrifice my own needs and wants just for them. and i think its taking its toll on me. as they say, too much of anything is bad.

its deafening to hear them cry all day! even if rob is not hungry nor sleepy, there are times that she would just cry. raya on the other hand, cries for no reason at all. i think she craves for attention. she cries when she doesn't get what she wants and cries too when i get mad at her.

its also those menial tasks that makes my everyday life crazy! such as picking up towels and dirty clothes scattered all over, picking up and putting toys, pillows and books in order, thinking of what to have for lunch, dinner and even for baon, feeding time and sleep time.  add to it the discplining, the budgeting and worrying how to survive for the next payday!

it all seems like a struggle every single day. 

i now have a yaya/helper who helps around the house. i delegate tasks to her. she also helps out taking care of the kids. i don't think we need another helper. we can't afford it too. is this a case of time management? i don't think so since we already have a schedule of our daily routine. so is it now becoming routinary? i try to have a ME time once a week. i nap at times in the afternoon even if it's just 15 minutes. perhaps its not enough. but what can i do?

so, is it me? do i expect too much from my kids? from myself?

the last thing i would want to be is be a monster mom.

i also don't want to lose myself...