Before getting my Christmas bonus, I was checking out cheap laptops ranging from P29,000 to P39,000. When I received my bonus, I realized I had to forgo my electric dreams due to budget constraints. Then I thought, maybe a new Sony Ericsson P9 series phone is more within my budget. Just a day after contemplating on the phone, I realized that I can’t afford that (again).
Just a couple of days to go and it’s Christmas. I was hoping to get something for myself, but I can’t even afford to buy reading glasses. I’ve been putting that off for months even if I know how badly I need it. Every Christmas, I end up spending all my money for everything and everyone but myself. Not that I am complaining. I am actually very thankful because I can still give little things to the people who mean a lot to me. Besides, Christmas is all about giving!
I just wish I had smart budgeting skills so that I don’t end up with empty pockets every yearend.
Mobile phone? Laptop? What the hell was I thinking?
Showing posts with label budgeting. Show all posts
Showing posts with label budgeting. Show all posts
Sunday, December 23, 2007
Wednesday, January 03, 2007
On G.C.s, Savings And Silly Goals
I’m excited to spend the next two days (my rest days) at home. I’ve just been to NBS to use my GC and this is what I got - Memories of My Melancholy Whores by Gabriel Garcia Marquez.
I honestly wanted to stick with my list, but NBS Robinson’s Galleria had a poor collection. I did find a copy of Kafka On The Shore, but it was hard bound and worth over P900. My GC was only worth P300 and I’m not prepared to shell out my own cash for Kafka. Maybe more like can’t really afford it.
Anyway, the book is really thin so I should be able to finish this quickly.
Oh, and I just found out that NBS doesn’t give you change if you don’t consume the full GC amount. I thought that these things are as good as cash. Starbucks gave me my ten peso change when I bought drinks using GCs. I’m not sure if this is a stupid policy or if I just dealt with a stupid cashier.
I’m thinking about what I want to save up for this month (month, hopefully, but I just may not be able to fulfill it in a month’s time).
Microwave oven roughly P3000
Kitchen Rack worth P1500
I honestly wanted to stick with my list, but NBS Robinson’s Galleria had a poor collection. I did find a copy of Kafka On The Shore, but it was hard bound and worth over P900. My GC was only worth P300 and I’m not prepared to shell out my own cash for Kafka. Maybe more like can’t really afford it.
Anyway, the book is really thin so I should be able to finish this quickly.
Oh, and I just found out that NBS doesn’t give you change if you don’t consume the full GC amount. I thought that these things are as good as cash. Starbucks gave me my ten peso change when I bought drinks using GCs. I’m not sure if this is a stupid policy or if I just dealt with a stupid cashier.
I’m thinking about what I want to save up for this month (month, hopefully, but I just may not be able to fulfill it in a month’s time).
Microwave oven roughly P3000
Kitchen Rack worth P1500
Adidas Badminton Shoes, proposed budget P2500, stretched budget P3200Happy Feet Limited Edition for only P1400
It may not look like a lot to some people, but P8400 to P9100 is not a small amount for me. I really hope to be better with my finances this 2007.
My goals:
Zero-out my credit card (just one - BPI)
Finish paying off my salary loans (Standard Chartered, HSBC and SSS)
Get life insurance and be able to maintain payment
Have more than just the maintaining balance in my bank account
Afford to pamper myself more this year
Hmm… The last one seems to be in conflict with all my other goals. Doesn’t matter. I’m up for this challenge.
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