Biyernes, Setyembre 20, 2013

DAY 2 - Struggling but better

Hi everyone!

I wasn't able to post yesterday but it was a bit better than the other day. 

Although I have not really achieved my target budget, I was able to fulfill a lot of my tasks yesterday. :) 

Will keep you posted on my journey! 

Huwebes, Setyembre 19, 2013

DAY 1 - Failure

I failed day 1! :( Ouch.

I overspent way beyond what I set for my budget today. Plus the fact that I lost Php600 in electronic bingo.
As I've said in my previous post, I have recently learned how to gamble and it is addictive. It gives me a "high" at first but after losing, it makes me feel really down. I feel very guilty for spending my money for some worthless act. 

I know. It's my fault and I have to stop this!

Argghhhh. This is making me crazy. 

Miyerkules, Setyembre 18, 2013


Do you ever get stressed everyday thinking how to make ends meet?

Credit goes to
Do you have sleepless nights thinking how to totally erase all your debts that have piled up through the years?

You are not alone.

It’s really hard to accept that I have failed miserably in life. I have accumulated so much debt over the years. I have a lot of sleepless nights thinking how to pay off everything when I am not earning that much. I have to pay our bills, send my husband to school, buy milks and diapers for my babies and other everyday needs. I get a negative balance every month, hence the borrowing from banks, friends and family just to make ends meet.

Excuse me for my expression, but I am tired of this S***! I want to free myself from all the money problems that I have right now! I want to free myself from debts.

As I look at my past, I can only say that I have mismanaged my finances. I have friends and workmates before that are earning the same amount as I do but they have managed their finances well. I know it’s bad to be envious but I just realized that I should have done the same. I envy them because they were smart enough to put their money in the right place.

I was “galit sa pera” –as how my mom, describes me. I would go to the mall as soon as I get my salary. I would buy stuff and abubots that I actually don’t really need. I would dine-out and spend my day at the mall leaving me with no money the following day. I would party with my friends, buy gadgets and spend and spend until I don’t have anything left. In short, I go broke instantly after getting may paycheck. This went on for years; plus the fact that I learned to gamble recently.

Now at 30, I realized that I have wasted a lot of time and money in the past until now. Collections agencies are bugging me to pay my overdue loans with the banks. I am really stressed and I cry almost everyday because I have no one to blame except myself. I have dug a hole and buried myself in debts. Now, I am really trying to fix everything. I know I can’t free myself from all the debts that I have overnight. I have to change my way of living and I must have the commitment to achieve my ultimate goal – financial freedom!

Join me on my journey to financial freedom. My posts will be my everyday battle to achieve a debt-free life.

This has to start now!

Wish me luck!