March 18, 2013

Financial Freedom

My eldest son is off to college in a year, and this year, I promised myself that I will start a college fund for him.  I know that I should have started this a long time ago, but it is only this year that we are able to breathe a little easy from all our loans and expenses.  I really want to have financial freedom, to have a little more money than I need, so that I have more when I need it.  One way to do this is for me to put some money away for investment.  I am learning to invest in the stock market and while I am not yet an expert, I know that I can do this with a little more research.  You can click here if you want to learn too. Following one of the books that I have read recently, I list down all of my expenses to check where my money is going and I realized that most of it goes to our travel expenses. Knowing this, I will try and limit my travel to 3 a year and put aside the money that I saved to my investment fund.  Now, that is a plan!

March 1, 2013

Graduation Gift

My little sister is graduating from college this May and I am getting her a new phone.  Well, I actually don't have a choice but to get her a new one since my hand-me-down phone she was using before was stolen during her thesis defense class.  She said her high marks on her thesis had a price, the stolen cellphone.  Anyway, my elder sister and I will share on the costs but my sister requested an Iphone 3G.  A second hand unit costs around five to six thousand pesos and I don't have enough money right now.  But she is currently using another old phone and I am now looking at batteries so it will last her until May.  You may click here if you want to see those batteries too.  Anyway, its still a good 2 months away and I know that something will come up and  we will be able to get that phone for her.  Its a momentous occasion for all of us, since it would mean that all 3 of us are finally college graduates, something that my mother is so proud of.  I was initially thinking of getting her a watch, to symbolize her coming of age (just like in Harry Potter) but its a phone she wants, so its an Iphone she will get.