My mother informed me that one of our distant neighbor is selling 370 square meter of farmland, it was offered to them for a certain amount. Buying farmland is a good investment but the problem is we have no funds for it, business is slow and we already spend money in the construction of our house.

The farmland was not on rush sale so we are hoping that we could save the amount needed so we could buy it before other interested buyers could get it. We are informed that they are selling the small portion of land so they could fix or rebuild their church.

Originally published @ herzfinance.com

Motorcycle loan is somehow popular in the Philippines, most home owners has either one or two motorcycle at home. Motorcycle is a convenient ride rather than using public transportation every day. If you are dreaming of owning a brand new motorcycle but you have no cash for it you can easily get it from motorcycle companies or marketing company with the help of guarantor, down payment and complete papers that you are capable of paying monthly.

Finally my family’s motorcycle loan was fully paid already after paying three years every month. They took Fury 125 product of Kawasaki with P10,000 down payment and P2,530 monthly which is payable in three years.

Originally published @ herzfinance.com

My husband asked me to pay the maintenance fee for our apartment in the bank, I was on hesitation because it is going to be my first time to transfer funds from his bank account to another account. I am bit afraid that I might made a mistake and sent more money than what I should send.

[Photo courtesy of WerbeFabrik/pixabay.com]

Anyway  my husband says I can make it so I did and it was really easy, my  negative thoughts was the only thing that making it difficult. We already pay the maintenance fee this month but my husband received a note that he needs to pay for the first two months as well and that’s what I paid today.

Originally published @ herzfinance.com

Without money left to travel to Suwon I decided to withdraw few dollars from my paypal account, it was made possible through my husband’s paypal account. I sent him the money and he withdrawn it to his bank account and then he gave me the money. He has no choice because he wouldn’t shoulder my fare on claiming my new passport and reporting it to the immigration.

My husband open a paypal account because of it was needed when I want to buy a new laptop and he doesn’t agree of giving my allowance in few months advance last year.Well as I have savings from earning online I told him my plan and the rest is history when I needed money I just send him the amount I need which is seldom to happen because I am sending all my earnings home and if I keep withdrawing money from paypal account I am sure my husband will not give me any allowance anymore. Lol

Originally published @ herzfinance.com

Free housing/apartment is included in my husband’s contract, it was shouldered by the school. So we are not expecting any miscellaneous fee and everything but when we moved out from our old apartment we are surprised to know that we have to pay something. Yeah right, we have to pay a certain amount of money for the sensor light. The sensor light is installed in front of the building which is used by all of the people living in the building so who will thought there’s a fee for that when we are not informed when we moved in.

[Image from worldpropertychannel.com]

Same thing happened when moved in to our new apartment, we have been living one month already when we are informed that we have to pay maintenance fee monthly that includes the used of elevator, garbage disposal, sky life and water. Now we know why we are not receiving water bill as it was bill in the whole building. As we are not using television the landlord eventually deducted the bill for sky life, with this hidden fees our budget was affected. Instead of saving the extra $$$ we have to use it for maintenance fee every month.

Originally published @ herzfinance.com

It was early this year when we started the construction of our house but within more than one month we need to stop the construction because we have no enough funds to continue the construction. The first floor was already built, the beams were made this week, what is left is adding slab or roof to the first floor that will also served as floor for the second floor.

[Image not Mine]

My mother told me that we need about $1, 705 for constructing the slabs because we need to buy lumbers, ply woods, lot of cements, steel bars, pay laborers and other materials. So I am trying my best to save that amount of money so we are able to add slabs to our house before rainy days came, and might cause problem to our things and stuff because our old house is open.

Saving money is not easy when you have no stable job and you are just relying on your blogging earning which is sometimes good and sometimes it was not.

Originally published @ herzfinance.com

I haven’t received allowance from my husband these past few month because I am paying the money I owe him years ago. My allowance just started again this month and I am saving it so I could buy a DSLR camera, all I need is a body because my husband has another camera lens. He told me he would gave it to me when I already bought a body for it.

[Photo courtesy of stevepb/pixabay.com]

My allowance is not that big so it would take me months before I can save money. That’s why when my friend invited me to wander in the city again I declined because it wouldn’t help me on my goal.

Setting a goal when you are saving money is necessary because it will help you saves more and avoid temptations along the way, like buying for a new clothes, shoes and even wandering around the city that will cost you money.

Originally published @ herzfinance.com

When I first arrived in Korea it was mixed emotions. I am happy because finally my husband and I are reunited to each other, sad because I am far away from my family.  Depressed because I have no job and I am not going to have one because working is not included on my visa type,  having no job I can’t send money to my family. Way back then while applying job in Jobstreet I always see work at home  job advertisement so what I did I search for jobs that I could do at home.

It was not easy as 1,2, 3 I found several advertisement but still I have to attend personal interview which I think very impossible for me to do. I did extensive research and I ended up earning cents from doing paid to click sites, I joined a lot of them hoping to earn more. I also do blogging upon finding that I could earn money on blogging, I started on free platform like blogger and after a year I am able to buy my own domain and even transfer to self-hosted wordpress.

With the help of blogging I am able to send money monthly to my family probably not that big but still it is a blessing. With the help of my earnings from blogging I have bought my own laptop and digital camera and other small stuff without asking money from my husband.

I am sharing this blog not to imply something but to inspire other Filipina like me in Korea that it is possible to earn money from home, I always read in one forum that their husband doesn’t allow them to work outside and they are in wit ends because they can’t help their family in the Philippines.  Try blogging and try earning money from home.

There’s an old belief that if you dream a poop it means MONEY, and it happened to me.  Last night or let me say this early morning while I am sleeping I have dreamed of poop, I just tell a brief story of it.  I dreamed of two young pipz, they look like my cousins in Germany but I am not too sure though because in my dream they are not my cousins but kids I need to take care,…the older one wants to use the toilet so I went out the building to give her privacy then after a while I saw her behind the glass looking sad and when I went in, all of her poop is scattered in the floor and in different trashcans in the corner, in my dreams she don’t know how to use the toilet so she throw her poop in trashcans, and it leave marks in the shiny floor (like a foot prints), a lot of it.  So I told her we need to clean it before people came for a meeting, so I  mop it and some people rush in, I am not yet finished though I just finished the first room and a realization came the trashcan has a poop still then I wake up.

If you are a blogger and want to earn money by doing things you like, join PostnJoy.

When I wake up I lay down for a minute as I feel very tired which usually happened every time I had a dream, then I opened my email add which is I seldom do first because mostly I opened my click ads before looking at my inbox. What catch my attention is the mail from PostnJoy with subject [PostNjoy] Announcing 7th Opp. Winners~! so I immediately opened it first and guess what? I am so surprised and happy I won the 1st place and I can’t believed it,  I won $100 just writing about Magic Science BBcream and my dream is indeed means money.  Thank you Lord for the blessings!

Have you ever feel humiliated? A feeling that you want to cry and run, hide then kept your self locked from the outside world. Maybe some of us feel this feeling in unexpected time or not, what if you’re not a fighter? Someone who’s just masquerading on her smile, someone who says she is alright even she is not fine, someone who says she is okay even it is not right. What would you do if this feeling struck to you, exactly on your face? Are you going to cry? Lost your patience and run, well it is hard to decide unless you are on that situation, but if you were there you will be hurt as well.

As it says all of us were on the same level there’s no rich and there’s no poor. There’s no ugly person and there’s no beautiful, there’s no small and there’s no tall and that is from the eye’s of God, what about in the eye’s of man? You have to remember we are all living in a place called earth, full of lies and masquerade. World is unfair, there is a lot of educated people who are mal-educated, those are those people who says they are holding a degree, are they? No they are not, they are like a veracious animal, a very awful creature. Someone you should hate and wish to die.

Why do other people cannot understand or they really cannot understand? They are so hard to please, they just say what do they want to say, they don’t intend to  hear your explanations and in the end they will leave you a threat and of course as an employee you are shocked,  what will come to your mind? Of course you care, you care about the company and you will feel a slight blade of fear. Even you feel your tears will run down your eyes you will still look calm but behind that you are losing your strength. You really want to cry, but you are an actress, you will smile even it is hard to fake a smile. It is such a pain to be blame, to accept all the words you cannot chewed, you are just a paid worker not the owner. So why the shit is all thrown to you? Why you need to feel all the pain when you don’t need too? See, how unfair the world?  You are going to hate this kind of mal-educated people. They are so powerful to talk nonsense and blame small people, well maybe you are going to pity the small people but you don’t know your pity belong to this mal-educated people, they need it more than small people need it.

[Photo courtesy of Negativespace/pixabay.com]

Hi guys, just sharing an old short writing of mine, I wrote it to release stress and sadness. You might asked what happened and I have wrote a shitty article. This is the story…

I am working as a secretary all-around in an internet provider with few computers for rent,  there are times we don’t have an internet access due to typhoon. So when it first happened my boss gave a discount for the days there’s no internet so when I made the bills it is discounted. The next time it happen again, an incident we cannot forbid. My boss told me not to give discount anymore because the smart company don’t give us also a discount like what happened the first time, in short we still pay full according to the contract. So I made the bills with no discount, some customers understand and there are few who don’t especially this not so old woman. She keep whining to me,  call us cheaters and etc., this is how she said it “She know’s how to write, she is good and writing and she will write it in local newspaper that we are cheating the customer” I explained her everything, I can’t give her a discount because I am not the owner and I am just following what is instructed to me. I even told her she can talk to my boss and asked a discount to him, I can dial his number for her.  So she talked to my boss and the way I heard it she’s telling my boss that I don’t want to give her a discount and etc., you know the way that as if it is my fault that I don’t wanna give her a discount like maybe blaming me. My boss talk to me and says just give her a discount so she will stop, when she left I feel doomed.  I got a phobia entertaining customers if before I am all smile and so darn entertaining, it changes me it makes me civil and dull.  I am just so lucky that my boss and his family are kind but to unlucky with the other customers. Even my lady boss tell me to call her Ate when I first applied at my work I still call her Mam, and Sir instead of Kuya I guess. That’s how am I used too, I would not accept a MOST POLITE ribbon on my preparatory level if I am not too. Haha

I cried a lot at home and I don’t even want to go back at work that’s why sometimes my sister works for me if she has no class. My father just laugh on me, he said it is part of life and I need to be tough if I want to survive. On the next month the not so old woman and I met again, I am a little tense of her but I was surprised she sounds so sweet and so dear to me.  Hmmp, maybe she learned her mistake.,or she is going to ask for another discount? Lol! Anyway her bill cost $11.52 per month, our biggest subscriber are internet cafe owners.