Bringing  A Tumbler Saves Money

Often times when I am leaving home and go somewhere  either to do groceries, attend a Bible Study, Conduct some Counseling, Going to church, and etc., I spent money for water. While it’s not too expensive but drinking 5 bottles a day accumulated in a week and a month is already a big amount if we come to think about it. That amount can be added to savings or grocery if finances is thought of properly.

That’s why I bring my one  year old tumbler with me all the time.

I filled this at home and when it’s consumed, I look for drinking stations where I could have this refilled for free. And I also make sure that I drink a lot before leaving. In that case, I am saving money. 

Just a simple tip so we could all be a good steward with our finances.

That’s for #ChilisMoneyTip

DON’T LOOK GOOD BROKE

When I was still working in the religious organization,  I was labeled as PASTORA FASHION because of how I dressed up, how I applied make up and of how I accessorized myself.  I also believe that presenting ourselves the best that we can isn’t bad provided that we did it moderately and it will not lead us into debt. 

Today, I still have two pouches of Make Up. I check and notice that there are still a lot that I don’t use and some really needs to be thrown away. 

These are my make up pouches. On the left was given to me by Ter Anne when she and her hubby went to Japan.  On the right was the pouch I purchased two years ago. I loved the design so I bought it out of impulse and not really out of need.

The following are my make up essentials after decluttering:

I keep this for my lips that cracks sometimes but since drinking a lot of water these days has been my habit, it has not recur anymore but I still use this when I am at home. I also apply this on my skin when I get burned out cooking and the oil spills out to my skin. 

I don’t apply day cream but my partner discovered this and it suits me perfectly well. He bought another one for me when were in Pagadian because he thought that the first day cream that he purchased was left in Cebu. That’s what it makes it two.

One night my partner brought his co-workers catalogue from AVON and he asked me to choose whatever I like and I chose this. I love this blush on. It melts on my face and I don’t look like Santa Claus. It comes out naturally on my skin as well.

We saw this at Watsons and the waterproof label  sold me out plus it was on sale. Then I was sweating under the heat of the sun and it melted. It was water proof amd not sweat proof (hahaha). But I will use this until I can consume everything to not waste money.

I got this last year and my lips will only go for Revlon lipstick. It’s quite expensive though but I can save for no allergies plus I got it in 50% sale. I guess, I can still use this for another year.

It has been with me since last year. It is still sharp and I am loving it.

I bought this because I like the picture, it’s so chic but it’s also natural when applied on my face. I purchased this two years ago but I am keeping it for the mirror. I don’t need to buy another mirror but I can save extra for not buying one unless of course if it is going to be broken. Hopefully, not in 10 years (hahaha).

I save this when I go to fast food restaurants and the line is long for handwash. It is still full because I made use of the wash area when we eat outside. But since I am still staying at home, I go for soap and water.

Pepsodent was not my toothpaste then. But I noticed that it’s a lot cheaper.  I only got this for P10.00 while the other toothpaste on this size cost P27.00 to P30.00. I saved money by shopping wisely even for toothpaste.

This pouch is to be given away along with some other make up that I don’t really use. 

And this is my only make up pouch left after tons and tons of make up. 

Some were thrown away because it’s no longer of good use and it will not add value in someone else’s life.

This is still in my pouch even if it has been fully consumed because this was a beautiful gift from my sister from Australia. No more perfume. The smells gone but I so love the color and the design. This reminds me of the love of family, generosity, and the importance of people. This is my thank you perfume. Everytime I see this beauty, I give thanks.

As I am thinking about this, it brings me to Psalm 139:13-17 ESV

13 For you have formed my inward parts; you knitted me together in my mother’s womb. 14 I praise you, for I am fearfully and wonderfully made. Wonderful are your works; my soul knows very well. 15 My frame was not hidden from you, when I was being made in secret, intricately woven in the depths of the earth. 16 Your eyes saw my unformed substance; in your book were written, every one of them, the days that were formed for me, when as yet there was none of them.  17 How precious to me are your thoughts, O God! How vast is the sum of them.

So ladies and gentlemen, you are not your make up essentials. You were loved, valued, and cherished by God Himself even before the world sees you. Way before the ULTRASOUND had been invented, you were cared for by a LOVING FATHER IN HEAVEN. You were naked then but His thoughts for you were precious.

It’s not wrong to have make up but don’t ruin your budget just so you will fit on the image the world of instagram or social media presented to you. Don’t let it be your life pursuit. Start considering what adds value to your life and be content by the love of God through Jesus Christ. 

Now, if you are a make up artist, then buy tons of make up please. That’s business but at the same time that’s your outlet of your creativity. You earn from it and that’s good.

BUT DON’T LOOK GOOD BROKE. Yes, others are so impressed by your appearance but you are deceiving yourself because when you go home and remove all your make up, you are so stressed out of where to borrow money to pay for your kids tuition or how to pay rent because you are so busy impressing the people you don’t know and much more you don’t like. 

Just love you. Do you. Enjoy you and shine in the best you.

Remember, you are lovely even sans make up. 
Have a lovely day💗

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. 

Rent Is Not An Emergency

So what I’ve noticed is that people who rented a space (boarding house as a classic example) panic and scratch their head when the due comes in. The truth is, paying rent is not an emergency. It is something that we know way in advance amd something that we should prepare for when we receive our paycheck after we took an amount for tithing or giving of course. 

That means before going out with friends and going clubbing and become a one day millionaire, budget your finances first to avoid future financial stress. 

When we pay our rent on time or way in advance, we can save from a late payment fee and it’s not going to be too hard on the next coming month/s. If finances is too tight then probably give up loads or minutes for internet or let go of starbucks and just drink coffee at home. I was doing that and is still doing it until now. If I’ll frequent for a coffee at Mc Donald, that’s because I have it on a budget and I will not be guilty drinking over it-it’s a delightful drink.

If you had been saving for an emergency fund, make sure to use it for a real emergency like transferring residence because you had been evicted by the landlord (hahaha) or medical problems that need an immediate attention. Hopefully, by the Jesus blood, we are all protected against the devil’s trap.

Let’s consider what an emergency is and save for something that we already know is coming to avoid anxiety out of our wrong or poor financial choices.

May we all live in financial peace♥

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:

The Blessing Of An Emergency Fund

This year one of our goals with my boyfriend is to save. We learned upon watching financial expert Rachel Cruze that Baby Step number one is to save a thousand dollars for an emergency fund. We are in the Philippines so it should be fifty thousand pesos to save (P50, 000.00). Personally, I also learn from Minimalist Ninja (The Minimalist Ninja at Youtube) to be content and to live a minimalistic life. These people helps me to continue with my goal to save and so we did. We did NOT upgraded our gadgets. We continue to live a simple life and we just save and save. We did not just only do that, we continue to tithe and  give bless others financially when the Holy Spirit prompted us to do so. 

Last March, our landlord sent us a letter that they will not allow boarders to park their motorbike within the premises and on top of that they will increase the rental. Well, the rental increase seems big and we could not find another place to rent that fits our budget. So we finally decided that we will build a tiny house on the land that we have acquired last year, Praise Jesus. My boyfriend has been very active in planning and budgeting how much we will be spending and yes it’s somewhat  big but looking forward, we will not be paying for a monthly rent. 

Had we not saved money for emergency then this could have been a very stressful month for us. The Lord must have prepared us for this year. He definitely knows the future and it really pays to save. 

We will continue to save money and fill our emergency fund again while we will continue to save too for Baby Step Number 2 which is to Save for 3 to 6 months expenses. 

Proverbs 13:11 says dishonest money dwindles away, but whoever gathers money LITTLE BY LITTLE MAKES IT GROW (NIV).

Let’s not waste our energy at work by wasting money away. Let’s save first to avoid stress when emergency comes.

Cheers to a prosperous 2017

Saving Little By Little

As you all know, one of our goals this year is to save, save, and save. And by saving it does not mean to say that we will not give. In fact, before our pay check comes in for the month, we already have a budget and number one in the list is our tithes. Tithing reminds us that what we have comes from the Lord and not just by our efforts and hardwork. It is always a combination of us doing and God blessing. What’s hard at work will be compensated by His steadfast love and grace along with the inner coaching of the Holy Spirit and hopefully, we recognize His voice well enough so we will be able to follow His instructions to make us successful in whatever we do.

So once we have our pay, we set aside a little cash for savings. We don’t splurge everything in the mall just because we have another pay coming. Was it easy in the beginning? NO!!! I was a spender until I realized how terrible it is to have nothing and no one will lend us cash. 

Then I came to watch the 2 minutes podcast of Rachel Cruze and I was all the more motivated to save. First, she’s funny and 2nd, I am convinced that she lived it. So, it pays when we surround ourselves with like minded people to maintain the fire in reaching our goals.

How much has been accumulated from your little by little kind of saving??