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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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♥

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💟

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.

Valentines On A Budget 

So today is Monday and I was thinking in the night before that I will have to wake up early to do laundry. I did but I am not hammering clothes, rather I am up with my greatest coffee in my beautiful mug, smell the beauty of dawn and tinker my tab. You see, I am always up at dawn for work and by virtue of being a thinker, Tuesday is coming and I have to keep saying thank you for calling, not to mention the quality of calls to consider plus the AHT, and my supervisor even said that I have to work on my pronunciation, so help me God. 

And yes, I will be working on a Day of Hearts but I know that I will be seeing flowers here and there in the arms of beautiful ladies and probably in the flood of chocolates in purses or in boxes everywhere. I would like to say that romance is good but to have a happy hormones in a just day is not a good ground for a lasting relationship. For one, it may break someone elses budget, probably becoming a romantic one day millionaire but scratching a bald head even before the 15th day.

I told my boyfriend that we don’t need to be extravagant this Valentines because I have experience a deep kind of love with him on a daily basis. I am well respected, honored,  cherished, loved, protected, and prayed for everyday. I am wonderfully blessed. And he is blessed with me too by my antic jokes and boisterous laughter when I am in the best mood. And he gets so use to my beast mode too. Oh well, my silliness makes him thinks that I am the best woman in the world. Opps, Fenelyn, if you are reading, you remains to be his number one but since you are in Canada so you are still his number one. Hahahaha.

So here’s to a simple but meaningful Valentines:

1) Cook for your girlfriend/boyfriend her/his fave meal. In our case, I always volunteer to wash the dishes but cooking isn’t my cup of tea so being his partner in the ketchin is a teamwork to be treasured. I can always admire him for his passion for cooking and how lovely the meal turns out to be with him by my side. 

2) Write Love Letters to Your Significant Others. Being a writer, I always do that for him but promise, the letters that he gave me way back was so beautiful to cherish with his unique handwriting in it. I love how the ink melted on the cards and how those wonderful words melted my hearts up until this day. It just reminds me of how great this man is and how he becomes greater and greater as days and months and years went by.

3) Listen. Yes. It does not need a cent to show your spouse or boyfriend or girlfriend their value. Give them your undivided attention. Listen with the excitement of your eyes and with the attentiveness of your ears. You have no idea how romantic it could be most specifically to ladies. 

5) Say I Love You Personally. Don’t text it. Don’t call and say it over the phone. Make it so personal. Tell her or him how a blessing she or he in your life. And to those who have the love language of affirmation? ? That’s a ticket to a happy year and a joyful love life. 

6) Pray For Your Significant Others. Every day my boyfriend take me to work and when I get out from his motor bike, he will lay his hands on me and prayed that I will have the best day at work. You have no idea over how it made me so secure to report to work and face whatever is at stake because I know that I am being prayed. I always report with my close up smile regardless of my yellowish teeth because I am so sure that God hears his prayers over me. 

So to people out there who is so overwhelmed on what to give to your someone special, worry no more. It’s not your one day of sweetness that makes a difference but it’s how you make your significant other feel so loved and valued with or without occassions. 

But if you feel that you can’t relate because you are not in a relationship, then think of someone whom you would like to feel honored and loved this Valentines. You may wanna treat the street kids to Jollibee and see their happy smile and genuine thank you. I used to do that way back and it always reminds me of how blessed I am to have been given the opportunity to love those who can’t believe that love still exists.

My gosh?!? How come I just know about this?? Hahahaha

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🏃