Finding Funds to Cover Up Additional Expenses

There are times when life hands us surprises we are completely unprepared for; such as having a baby or needing to buy a new car.

Image from Flickr

Regardless of the reason, sometimes you may need help finding funds to cover additional expenses such as these. You can make changes to your current lifestyle to save money, seek help from reputable lenders to obtain an installment loan, or even sell some of your family's personal belongings that are no longer used or needed

Read on to learn about the many ways in which you can find funds to cover other expenses for yourself or for your family.

Save Money
• Prepare meals at home. By cooking dinner for your family and packing lunches for everyone in the household to take to work or to school, you may be able to save significant amounts of money, since eating out can sometimes be costly.
• Eliminate extra household expenses. Suspend or cancel your cable television, landline telephone, and other additional expenses you may not need. Apply the time you normally spend watching television to spending quality time with your family or children.

Sell Used Household Goods
• Work with your family to collect belongings and household goods that are no longer used. Your children may have clothing or toys they have outgrown, or you may have duplicate household appliances, such as coffee machines, that are not needed.
• Host a yard sale or post classified ads on websites or in your local newspaper to have these items sold for extra cash.
• Sell specialty items such as collectibles or antiques on auction websites to expand your audience of buyers and to earn money from people whose interests lie in a specific niche.

Seek Financial Assistance
• Apply for loans on the Internet. Some websites can provide you with payday loans. For instance, installment loans from Great Plains Lending  can approve you for instant cash and deposit money into your bank account the next day.
• Discuss loan options with your bank or financial institution. In most cases, your bank or financial institution will work closely with you to obtain a personal loan.

Take on Extra Work
• Speak with your boss in regards to a promotion or working extra hours, then apply the extra earnings you make toward your possible medical expenses, your loan, or to save up for emergency expenses.
• Encourage your family to perform neighborhood chores or secure part-time work. Your children can perform work in the neighborhood such as mowing lawns, pet-sitting, babysitting and helping the elderly with household chores.

Meanwhile, your partner can also take on additional hours at work or secure a part-time position with his or her favorite local store or business. Whether you obtain an installment loan from a lender, sell your family's used belongings, or seek additional work, there are numerous ways you can do to obtain the needed funds for unexpected expenses.

Continue reading here....

Expanded K+12 Basic Education Program in the Philippines Early Registration on January 28. 2012

Department of Education is announcing the Expanded K+12 Basic Education Program in the Philippines Early Registration on January 28. 2012 for the School Year (S.Y.) 2012-2013 in all public elementary and secondary schools nationwide.

So don’t forget to bring your kids, and bring their birth certificates!

The K+12 Program  will now be:
kindergarten
6 years of elementary,
4 years of junior high school
2 years for senior high school.

Read more at www.deped.gov.ph/

Continue reading here....

3 Things to Consider When Living Alone

It might be a post college spreading of your wings or maybe it's the parents who decide for you, but everyone eventually needs to leave the nest. And unless you are a lottery winner or have inherited an abandoned haunted mansion left to you in the will of a forgotten uncle, you will be headed to your first apartment.

Taking the step to move out on your own isn't one to be taken lightly. You also have to decide if you are going to have roommates or go it alone. It's nice to have friends with you but nothing makes you feel like a successful adult more than getting a place that's all your own.

You first solo adventure might also have you moving to a different city because of a new job or maybe you're just looking for a change of scenery. If you are moving to a new town don't just rely on a vague post on Craig's List. Do some research before you even start to look for a place.

Image via Wikipedia

You'll find your wallet is the primary decider of where and how you can live. And depending on the city you live in, there is a huge difference in Los Angeles, Chicago or Detroit apartments in terms of size, location and amenities.

Before you take your fist steps here are the three things to consider when you decide to live alone.

1. Can you stand to be by yourself? It seems like a no-brainer as we all crave some personal space but we, men and women, are social creatures by nature. You might spend all day at your job talking to customers, having meetings and being bombarded by your co-workers. Perhaps your home is your sanctuary away from all the hustle and bustle. On the other hand it could become a lonely place with no one to keep you company and the constant silence around you is deafening.
2. Learn how to make and stick to a budget. Without roommates or parents, every expense falls on your shoulders. Rent is due every month. Utilities must be paid every month. And sometimes that means occasionally you will have to go without the latest fashion craze, concert ticket or video game. Don't fall into the trap of pulling out the credit card. Learn to do without if you can't afford it. You'll save money today and your future tomorrow.
3. Learn how to cook. You don't have to be a gourmet chef to eat well. Eating out is a nice treat occasionally but it's expensive and by eating three times a day every day, the cost adds up quick. You parents have been feeding you for years; ask for a cooking lesson and some recipes. Consider taking a cooking class locally. You'll meet new people and learn how to make food beyond spaghetti and microwave dinners.

Being on your own can be scary at first, but it's just a new adventure and part of growing up. Have fun.

Continue reading here....

It’s More Fun in the Philippines

The Department of Tourism has recently launched their new campaign "IT'S MORE FUN IN THE PHILIPPINES" http://www.itsmorefuninthephilippines.com/to attract and promote the Tourism industry of our country.

Here are some photos that people made using the new campaign: Come to the Philippines and  you’ll have a lot of fun!

Continue reading here....

Love for Make Up

My youngest sister is into make up and in fact, she already has a good stash of branded makeup in her possession. She also loves to dress up and look beautiful all the time most especially if she’s going out on a date with her hubby or if there’s a special occasion. I actually envy her and wish I could learn how to do my own make up beautifully. I guess if she wanted to pursue that passion, she can also enroll in a cosmetology school where she can learn more techniques. Who knows she might even open a beauty salon in the future if she wants, right?

Continue reading here....

DFA passport offices to Open at SM malls etc.

Just heard it at the news that DFA passport offices to open at SM malls etc. and I can say this is a good news! I live very far from DFA in Manila and going there requires a lot of effort.

DFA (Department of Foreign Affairs) and SM already signed an agreement to transfer their consular offices in various malls in the country. It is said that DFA can save at up to 1 billion. 

I’m quite excited about this news because my passport will expire in few more months so this means that I’ll have to renew it and I’ll choose to go at the malls already. I need to wait for the oepening of the office at SM Megamall in Mandaluyong soon.

Continue reading here....

Birthday Card Made by my Niece for my Dog!

My sweet dog Sophie turned 3 last Jan, 15th and  my 8yr old niece was quick to make a birthday card for her. She got some old paper and some cupcake papers plus other stuff and made it into this beautiful cards. Great job Reign and thanks for being sweet!

If only Sophie can say thank you to you for your lil' gift. Ok, be ready, your uncle will be celebrating his bday come Feb. 2.

Continue reading here....

Doximity: Connecting Physicians

I have to admit that I’ve been hooked and addicted to Facebook, twitter and other social networking sites that I’m registered in. Why not? It is a place where I can share all my photos, insights, experiences, online finds and more. It is also where I found my long lost friends in college and a good venue to share gossips or talks to my close friends hehe.

If I frequent FB and Twitter, physicians also have their own private place where they can interact, socialize with their fellow colleagues. It is called Doximity, a private network for physicians. Physicians like Martin Blume DO and more can exchanges messages, private phone lists, and more. It’s a whole community for physicians available on the web, iPhone and on smart phones for easier access.

Continue reading here....

Our Tall Calamansi Tree

I just love going to my brother's small garden for comfortable there especially when you stayed at his small gazebo. It is surrounded by plants and flowers and not to mention fruit bearing trees like this calamansi tree. One day, my aunt and bro harvested some calamansi that we can either make into a juice or put in foods. It was a bit hard to harvest them since it is unusually tall unlike the normal calamansi tree that is usually up to 5 feet tall.

I learned that this tree was so tall because they planted seeds that came directly from the fruit and it's not even grafted. There are more fruits left but we need a more longer strand of bamboo with hook attached to it.

Continue reading here....

Our Lil’ Artist

I can say that being creative runs in our family and almost all can draw, design or drawn to art. This is my 8 year old niece who loves to draw anything on paper, canvass, tissue or any medium she can get hold of.

Last Christmas, I didn't have a hard time thinking of what to give her because since she loves to draw and paint, I gave her new set of coloring pencils, crayons and sketch pads. She loves it and on her birthday this May, I  have to give her pastel colors and more sketch pads.  Her father is good in drawings as well and hopefully when there’s a contest for her age, we’ll ask her to join to experience how it is to compete, fail or win.

Continue reading here....