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

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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??

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💟