One Income But Builds A Home

I always hear people say in panic, “Why are you not working? This is not the trend now!!! It is impossible to live in one income these days!!!! You are losing your mind! Those were my thoughts also when it was only my brother who was working and he is still the one who puts the bacon on the table up until now but someone serves it so beautifully that it makes me change my mind. 

I want you to meet my brother (Jerry), his only daughter (Jherra), & his wife (Darwin). This was on their thin & challenging days but they have stood the test of time. 

My brother was the one working on a very small monthly income and his wife stayed and turned their house into a home. They raised a child, have a simple but super beautiful and peaceful home, have a modest appliances, enjoyed with friends and have a blast in life. I know that they went through the toughest of days but they emerged the strongest as the time went by. With their small income, they built a house and sheltered both of their respective families.  They have been so generous of their spaces regardless if they were the one who sweat and sacrificed for it. 

At their home, he gets up to work and his wife provided a first class service for their family. They have healthy food, a tidy house, and a peaceful home. In most cases, their home has been a shelter for cousins who temporarily strayed away from their respective partners and went home refreshed. 

The following are what I learn from a model family who live in just one income:

1) DON’T MIND WHAT PEOPLE WILL SAY. I’m sure they must have feel the pressure of the voices all around them but they stick to what works for them. For them, it’s best that one works while the other stayed at home to raise a child and build a sanctuary of peace. To each it’s own. We have different path to follow and I am sure that they have followed through faithfully and consistently.

2) MAKE THE MOST OF WHAT YOU HAVE. My sister in law can turn a trash into gold. She uses it for decorations,  painted it herself and viola, her home is the best, no bias, promise. She is just a gifted home maker who just minds her own business. 

3) BUDGET AND STICK WITH IT. With a very small income that my brother have, she literally sticks to her budget and enjoy life. She has no internet, no facebook account, no instagram, no twitter, but bask on peace. And she did not look disheveled at all. She knows how to carry herself with class and elegance. And wait, my brother is the most at peace without social media too.

That’s my sister in law Darwin. Isn’t she lovely? I have a high regard on her. That does mean to say that we don’t have disagreement? We do but I consider her a great blessing to our family. 

4) BE CONTENT. In their home, there is peace because they are contented with what they have but keeps on dreaming. I remember at one point my brother told me, “You serve the Lord, You are driving a car, have a high salary, but you don’t have peace.” It was an eye opener for me and I will never forget it. To desire for material possessions and money drives us crazy but to be content gives us the space to have more. Eventually, my brother has been blessed not just with possessions but with their fats as well (hahahaha).

5) ENJOY LIFE. I’ve seen them respecting each other while enjoying simplicity at its core. 

She does the laundry.

But he helped when the rain pours so suddenly.

6) RAISE A GOOD NATURED CHILD. Their daughter though going through teenage challenges is such a lovely lady and our future Miss Universe (hahaha) 

I woke up like this. That’s their only daughter who is oh so beautiful. 

They have modeled what a contented family really is.

***********************************************************************For me, my brother and his family  is successful and have so much more. Sometimes, he looked down at himself probably because of what he has seen around him. Sometimes we missed the gold within us because we see glitters that will just fade but theirs is a glitter that stays. I will never forget when I was 8 when I prayed to the good Lord that my brother will have the best wife and my sisters will have the best husband. He did answer my prayers. 

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Budgeting & Building Together

Who would have thought that on this year we would be tranferring residency? It never came on my mind when I welcomed 2017 but life happens and when it does we just have to LOOK UP and smile at the storm and to even feel better, laugh at it too. What’s on my mind was to tithe, to save, to give, and to spend. I learned about saving for an emergency fund from Rachel Cruze and I was so ignited with it that I shared that to my boyfriend again and again and again until the two of us were so convinced of its importance and so we did. March came and we received a surprise letter from our landlord that there will be an increase of rental in the coming months, motor vehicle were not allowed to park inside the premise and we just have one month to prepare. I could not thank God enough for preparing us way in advance. Had we not saved little by little then we must have been so stressed out with life surprises which by the way is not a surprise to God. We would have been borrowing money from a relative who may give in with side comments that may offend me and I might hate them (hahahaha) or they may refuse who knows. But I’m sure that my sister Cecile won’t but she has helped us way too much again and again and again and I guess  time to be an ADULT (hahaha).  Looking back, I was too sick and my boyfriend tried to borrow money from someone only to be turned down. Worst, he was told over why he chose a sickly woman who don’t eat vegetables. I was hurt then but’s now water under the bridge.

Now, we will be moving to a tiny and temporary house in the mountain top. It will be very slippery when it rains and too rocky and mountainous to climb day and night. I guess, it’s going to be a tiny bare house in the beginning since we don’t have any appliances to begin with but my heart is joyful to have it because of the grace of God. 

Last Sunday, I was lying down in bed thinking at my father’s room with so much pride of the goodness of God. Since the house is build with a deadline to meet, I’ve seen workers giving their strength to build for free. I have seen people giving us finances to start. I’ve witnessed my father, brother, Jason and Hannah worked with us beaming with joy. I have laid my eyes to my man who is the most excited about his first personal project to stand. 

At night, we sat down together budgeting how much is left with our emergency fund and how we can continue with what we have began. We have recorded all of our expenses and we have trusted to a God who will never fail to provide.

Last night my boyfriend expressed his desire for us to have an electricity and my heart broke into pieces when he said “but we have a limited fund.” I console him by saying that we should not despise our new beginnings because if we are faithful now then God can trust us with more. 

Yes, it’s a  small start up but it’s not made in debt. It’s really the Fatherhood of God who taught us to be responsible with our finances and with our lives. 

We build and budget together but we have God in between and that’s where our trust and confidence lies. 

So don’t belittle yourself simply because your life does not match with someone else. You are not called to compete and compare with them rather you are called to be grateful and to be faithful with what you have been given with. In the process, I believe God is building character that grows from glory to glory because that’s when we shine the most and in turn gives Him the glory.  

May God continue to be your corner stone in your building and budgeting together.

It was when we were so set to building the tiny house that the rain poured so hard that we opted to have orange brutus as our best shade:mrgreen::D

While budgeting and thinking and praying for miracles and breakthrough, we blessed our food, thanked the Lord and filled our stomach with sugar and cholesterol so help us God:mrgreen::mrgreen::mrgreen:

Poverty Mentality or Being Wise

Long time ago, I was with a group of people who are prosperity preachers and when we were inside the mall, they made a large purchase and were surprised that I didn’t buy any. For one, I don’t want to go home with a bulky and with a heavy bag and second, buying new stuff for the sake of buying wasn’t in my budget. My attitude towards money must be something new to them but I was starting to feel restless on the inside of me specially when I tried to fit in only to please them. As a result, I was labeled as someone with a POVERTY MENTALITY. I had a hard time understanding that kind of a label then but as I was just thinking about it now, my attitude must have been right.

So how can we know if we have a POVERTY MENTALITY??

1) If we have extra cash but we are still AFRAID to buy because we fear lack. It might be because of the scarcity that we experienced in the past. In a way, it’s understandable but not too commendable because we have allowed money to lord over us instead of us having a hold on our money.

2) If we don’t want to give because we think that we work so hard for what we have saved that others must work as hard as we do. Well, this is true but if we have been working for a long time, we too can attest that our job is a trust from God and without His blessing, we wouldn’t be blessed as where we are now.

Notice something?? Poverty mentality is associated with FEAR and GREED because of a bad experience that brought to poverty and poverty isn’t the best place to be. ASK ME. I WAS THERE. 

On the other hand, not spending money because it’s not on a budget is just BEING WISE. It’s not being wise to pretend living a lifestyle of the rich but cannot sleep at night because of DEBT. That is FOOLISHNESS and the BIBLE teaches us clearly to be wise, to be responsible,  and to be a good steward of our finances, time, job, and etc.

To live within your budget is not dwelling on a poverty mentality, it is just being wise. Saving is just being wise. Generosity is just being wise. On the other hand, spending without thinking simply because of a sermon that God wants us to be rich so we have to  act it out  and the end result is DEBT, that’s foolishness. 

So be let’s be wise regardless of the label. Let’s be a good steward of our finances. God give us the brain so we could think well, not so we could squander His trust. At times, God speaks to us in His gentle voice and instruct us to give what we have saved and it does not make sense to our brain, but when it does happened, LET’S GIVE because what He is about to bless us with is far larger than what we have saved.

In 2017, let’s learn to save but let’s enjoy giving like how He gave His Son Jesus to us so we will be saved from our sins.

Have a lovely Monday💟

BE WISE & GENEROUS

One of the musings I always hear when people give and help someone is this: “I am always ready to help and be there for people but when I am the one in dire need, I have no one to run to for help.”

That complaint is valid but if we only give to receive from people then we set ourselves up for a major disappointment. 

When we give or provide financial assistance for example and we do this so that we will feel good about ourselves and people may have something good to say about us, we will be too frustrated if they don’t even know how to utter the word THANK YOU. When it’s our turn to ask for help and these people turn their backs from us, it’s nothing but a feeling of BETRAYAL.

So here’s my tip: BE WISE AND GENEROUS.

If God placed it in your heart to really share your blessings to others, make sure that you have something left for yourself. I learn that it’s wise to save at least 6months of our expenses. I also have it in my heart to save for emergencies so that what has been saved for the expenses will not be touched. Do not set aside yourself in the name of martyrdom because there’s only one real martyr in the name of genuine love and He is JESUS. 

If for instance, people will come to you and ask for assistance and in most cases it’s always in finances, learn to say no without additional side comments. If you can refer that person to a charitable institution,  the better and if you have a little to spare, then give it instead of lending it.

We cannot blame the recipients of our so called generosity by not returning the same act of kindness to us because they are not the source of our harvest, JESUS IS. 

Lastly, don’t go into debt so that you can assist someone but only do it during  emergency cases. Remember, when the people you helped get over from their mess, they may even forget paying you for the debt you incur so that they will be saved from their wrong choices.

So be wise with your finances. Bring back the tithes to God first. Save. Then Give. And when the people you help forgets about you, it doesn’t hurt because you just simply give without expecting anything in return.

I hope this help.

Have a lovely day🚶

Goals & Discipline

Our two main goals this year is to save at least 6months of our expenses and to be able to give to our family so we keep our money really organized. 

So here’s to fulfilling our goals:

1) WE ORGANIZED OUR FINANCES. We have this money organizer that we bought from National Bookstore and we make sure that our salary has it’s place. We first prioritize our tithes and move to our allowance weekly plus grocery. My salary is for boarding house rental and savings.

2) WE EAT MOSTLY AT HOME. For breakfast we usually buy it in the office but since I will be home by 3pm, I usually buy 1 cup of rice and partner it with a delicious spanish sardines and “sukang pinakurat” and cook in the evening. 

3) WE ONLY HAVE INTERNET LOAD A WEEK. That means I downloaded videos a week that will inspire me or of my wavelength so I will not make any excuses of not fulfilling our goals. I also make sure to blog twice in a week to maximize my minutes and update social media.

4) MAINTAIN ONE NOTEBOOK/PLANNER A YEAR. I used to be a notebook and pens addict and I find myself buying notebooks but I don’t finish using it in a year. Sometimes, I just buy it and will never use it and it just added clutter in the room. So far, we have not visited the mall yet amd if I do, I don’t buy anymore.

5) WE DO LAUNDRY INSTEAD OF GOING TO A LAUNDRY SHOP. I do my laundry every Monday morning so that I will have enough time to rest in the afternoon and my body will be ready for work the next day. So, we place the laundry budget to our miscellaneous expenses.

6) WE WILL EXECUTE OUR TWICE A YEAR SHOPPING FOR CLOTHES. We scheduled it in June and December and we started saving already so that we can buy clothes that are of good quality and something that will last long. In that way, we will be able to save way earlier before hitting to the mall.

7) WE SAVE FIRST BEFORE WE PURCHASE. If I like a book for example, I go to bookstores, check how much is the cost for the book that I like then save for it. Once I will have the cash, then that’s the time that I will buy.

8) BUY MAKE UP ONLY WHEN IT’S TOTALLY OVER. What I mean with this is, when I still have my lipstick for example,  I will wait that I really make the most out of it. If I can still use it then I won’t buy. I should finish it first. 

9) WE STARTED SAVING FOR GIFTS. Because we are followers of Jesus, we set aside an amount of money just in case the Holy Spirit will tell us to give. However, when He tells us to give all, we also make our heart ready and to not be so attached with things. We experienced the ability of God to provide and we always know that when He speaks to us to give, He will always bless us with more. He is proven and tested in that area. 

10) I WORK. The best way to help my boyfriend is I will also use my talent to earn. It’s going to be too demanding to have a goal in writing but I am not doing anything. With this, we have been able to bless each of our families and it gives us so much joy in our heart. 

We learn to be content in where we are and we learn to wait for the right time to make a purchase. We are learning to become a good steward of our finances while at the same becoming mindful that the blessings come from the Lord so that stuff won’t control us.

This is just for now. 

Have a great day.

Let’s Budget

So this year, we have a goal of saving 6 months of our monthly expenses. That means we should have our budget before we spend. To help us in this determined goal, we have our budget organizer which we use to organize our financial blessings.

In fact today, we went to the grocery store and bought our NEEDS. So when I saw those make up that has been so inviting, I was reminded of our goal and our budget. We spent below a thousand pesos plus we still have surplus for our miscellaneous expenses.

To win the war against financial crisis, one has to BUDGET before spending, buy ONLY THOSE THAT ARE IN THE SHOPPING LIST, TITHE and KEEP GIVING. 

That’s for today’s #ChilisWinsDayTips🏃