when mom speaks

I am at my happiest state now, financially speaking. Well, before you think that I won on the lottery or something, nope, I did not. I just received my clearance from my credit card company, telling that I am free from any financial obligations from them. Thank goodness form Yuletide amnesty that they offered to me last month, and thanks to my online stints thus I was able to meet their debt settlement amount. Anyways,its not that I am so happy to spend a lot of money from all the credit card purchases that I made for the past four years, the truth is, it was a lesson learned, the hard way. I had so many sleepless nights thinking how will I be able to pay the huge amount of money I owe my credit card company, but out of nowhere, they offered me this non profit debt consolidation last year and I was able to pay in littlest amount that I can in a monthly basis. It was still hard for me because I have no regular job, but the sideline of online earning. But thankfully, I was able to meet the monthly payable for almost a year. And maybe, because of that, they offered me this amnesty program since they realized that I am so decided to finish my financial obligation with them. And it took me a short while before I finally grab their offer and settle everything in a jiffy.

I remember when my dad tells us how he wants us all to live in the states, specially when he has all the chance in the world to do so when my grandfather is still alive and living in California. But you know, some things are just not made to be, even if we wanted it so hard, sometimes fate doesn’t meet up with all your plans. And to make the long story short, he was never petitioned right. Actually it really frustrates and dissapoints him, the fact that my grand father could have done some simple things in order for his kids to be able to follow and start a life there, but with his reason or another, he wasn’t able to. I still remember how my dad wishes to avail one of those Schumacher Homes Louisiana for our familywhen we settle there. You see, a friend of him was able to avail one of the beautiful houses there, affordable as what they said and yes, beautiful. Sometimes, when my dad remembers how he badly wanted to transfer, he would always mention how he plans our family house there. And lately, I just got an email regarding this famous Schumacher Homes, and how great their housing projects are all over the US. I mean, it would have been really great if we were able to achieve what my dad used to dream, you know, living in one of those nicest houses in Louisiana and all. But well, of course, it is still not late, we can still work out really hard and who knows? one day you’ll see us there.

A lot of people say that my daughter is one camera addict you see, she likes being photographed, a thing that she definitely got from me! Because her dad is a total opposite, he hates being flashed by cameras and being center of attention. But aside from that almost every attributes of my daughter came from him, from the food likes to the tantrum throws up of the brat, everything came from the moody husband. Now let me share with you her latest photo that I took a few minutes ago, she asked me for “picture! picture!” and I obliged.

So there I hope you have a good week ahead… will post more photos and weekend updates after I finish reading about las vegas hotel reservations that my dad asked me to look at.

I heard that more and more business are closing down recently, calling for bankruptcy and all. We can really felt the economic down turn and it’s frightening! Imagine businesses going down and economy is really fluctuating affecting the lives of many people so hard. And with the closing down of businesses, workers and employees tends to be boot out from their jobs, creating more and more jobless people all around the world. It’s really a domino effect, that of course government prevents the down fall of everything else. That is why proven ways to practice are being featured by other stable businesses, one good example is by having a credit card friendly shops and stores. Being able to accept credit cards with customers shopping is one of the best way to gain sales. Because, we all know that people tend to rely on their credit cards because accept it or not, most of the time, we get short on cash that is why thanks to credit cards because most of the time, they can really save our life with their capability to purchase! But as to my experience, people must be very careful in using credit card because it can be the best enemy you’ll have to fight in the end, you know, with all the due date and huge bills summoning up to your face. You need to think clearly of what you really need to buy and let pass those that are not really need. Practicality and a focus mind set will help you save a lot.

For the little tot. Went to Fun Ranch at Westgate Alabang last Saturday for a little unwinding, since the husband have a schedule meet up at Westgate we might as well join him, we were suppose to stay and wait for him at ATC but we realized that Active Fun is already open so we decided to give it a try! Lunch at the Big Red Barn was good too, we had calamari and fried chicken,  love the honey mustard dip and the gravy too. And it took us a while to finish everything because the servings were huge man! And the service was great too. A bit pricey, but worth it.

After resting a bit and while Olin was busy doodling, (by the way, the server were uber nice to Olin that she gave her a new set of colors!) I, on the other hand read the flyers about Sebo vacuum cleaners that somebody gave me while entering the place, I also read their party rates leaflets.

The husband went back to his meet up with friends and left us at the Fun Ranch while I drown myself with the bottom iced tea! lol. Since there are still so many kids playing at the activity area, we waited for a little bit before I signed her in (ourselves in, actually) since Olin has to be accompanied by an adult. Will do another post about that. I just have to finish uploading photos and other stuff in the house

Been receiving a lot of emails from different diet pills company offering their latest and proven products but one particular diet option catches my attention! its the acai berry diet that has been the latest buzz in the showbiz business world! I heard that celebrities are actually using that diet regimen and proud of it simply because their body is responding to the diet ritual! Thinking of using that acai berry too

Sometimes I missed my previous job. As a Production Planning Officer, it has been my duty to plan out every single item we need for production (read: raw materials). Which can practically makes me busy in some part of the month and super laid back the rest of the days. Fulfilling? not exactly, but I was happy. Happy with co-workers turn out good friends. And part of our good camaradie are the helping out scheme, where we lend help to those who needs it badly, having a no system product warehouse it is, it can make the in charge go gaga when deliveries comes in. If only we have Data Warehousing Software which has been offered to the top management but they refuse it in the end. Believing that the company is too small to acquire such system. But you know, they just didn’t know everything. Imagine if the company has this, everything will fall unto its proper places. Things will be great, deliveries will be prompt. Production will be well planned and data will not be lost, just at that. But there is still chances, I heard they are already requesting for one. I just hope their request will be granted soon.

A cousin of mine is soon be finishing her secondary schooling next March and is right now thinking of getting herself into one of those online colleges like Capella University. Although she likes going to school, but the fact that she needs to work too in able to support her studies, and the work that can provide her good salary is super demanding a lot of time from her. So a friend suggested of inquiring at Capella, known for their great online schooling, it can be the answer to my cousin’s dilemma. Imagine, being able to fulfill her dreams of finishing her studies while working on a regular basis to provide for herself and her family is the most greatest thing to do. I just hope she finds way to really push through on whatever her plans to do. And I pray that she’ll be able to finish her studies as well. But with the promising view from Capella, I think things will turn out great for her.

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Just when I’m practically moving away with fast cash payday loans offering, loads of emails and snail mails are coming in my way! It’s super tempting, I must say, but what can I do, I’m really trying my best to settle every itsy bitsy piece of my financial debt, to which I can proudly say is almost done! Sounds great like? I know, but theres a an attached hard way of learning to it. You see, I’ve been the biggest spender the moment my cards reaches my hand! I was like shopping every so often that made my mom thinks and actually believes I’m earning so big thus explains my whirwind spendings! But some good things never lasts that long, how I wish! but when reality slaps in, right there and then I realized that I’m being swallowed whole with debt. Don’t get me wrong here, getting loans is the most convenient way to live out a life away from cash shortage, but please, this I tell you, plan your spending so wisely. You must take it from me, never spend on stuffs and things that you practically don’t need, never swipe until you drop your credit cards and cash out your loaned money. Learn to use the money you had in a very wise manner. Believe me, you’ll never want to experience those sleepless nights just thinking of what to do to come up with money that you have to pay on your monthly dues. And lastly, live to what your means can handle, don’t put yourself in a situation you just can’t simply get out.

Been talking about my previous cash loans from different financial intstitution (read: banks). Anyways, it has been some good three years the last time I took a big leap in aquiring for one. The thing is, my finances got whirled up and for almost six months, I was too neglectful of not paying dues on time. You see, there are number of people who experienced this kind of hardship, and let me tell you, it is stressful. Getting loans now is super easy, in fact there are institution that offers one day release of funds and even hours! But in attach to that quick money offerings is the fact that you have to meet deadlines and pay your dues on time. In my case, it was an honest to goodness thing, I was able to talk to their agents regarding my financial status, soon enough they were able to send me justifiable amnesty program just in time for the holidays. Albeit wrong timing since holidays and it falls on the expenses month, I had no choice but to grab it and pay the amount that was offered to me. Let me tell you, it was way too low compare to what I’m supposed to pay for, so I had to gather my enough savings and some more to meet my deadline. Thank God for all the online opportunities it really helped me a lot in my troubled days. Now I can say that I am totally debt free

Learning life’s lesson in a hard way is the best way to strenghten me up. It’s better to learn in an early age instead of experiencing this problem in the future. 

It’s basically rush reason now, more and more people are heading towards the malls and bazars to buy gifts and other holiday needs. Thus making the roads crowded with vehicles on the rush beating the traffic and the other commuters. And with that, cases of accidents, road accidents are so frequent. Actually, in the evening news almost every night they feature car and hit and run cases in the metro and even in the provinces. Also, aside from the rush and beating the traffic cases, aother thing that causes such accidents are drunk driving, since we all know that parties and holiday meet ups are happening here and there thus drivers are prone to accidents and all. And with that, Las Vegas Motor Vehicle Accident Lawyer are now in demand, their services to help those who experienced such accidents. Actually, acquiring their professional help can do such great help because it can make their cases runs fast and less hassle when it comes to follow up and all. 

I have been reading a lot of articles on how to finally how to eliminate debt by whatever means. You see, I’ve finally made up my mind to settle all my financial obligations as soon as possible, been negotiating with my credit card companies too for settlement on all of since I wanted to start a new financial status this new year. But I guess, I wouldn’t be able to eliminating debts that easy and fast, since it has to undergo series of studies with the in charge of my accounts. Although I’m seing clear things now with my one account, which hopefully, I can pay full before the end of this month. Thank God for my online sidelines, thus making me able to save enough money to eliminate debt, my debt as soon as possible. I’m just hoping now that my plans will push through the way I plan it to be, I’m sure that things will turn out great after some time, since I am doing the best that I can to settle everything. Of course I don’t want to live my life with unfinished debts on my back, waiting to be taken care of.

I’m craving for Sioplets yes, mini siopao but with monggo and ube filling. Was able to order a separate order for this the last time we went to DFS for twenty five bucks, but unfortunately, to a reason they cannot spill, the Chowking branch near us doesn’t sell out separate order of Sioplets, they say that it is only availabe with the Lauriat meal. Too bad, it really breaks my heart, dissapointment fills the whole me. I ended up ordering nothing from them, I even told the manager that it can be bought separately in another branch, why can’t they?! But the manager simply replied, they don’t know. $%@*!

To lighten things up, husband told me that he’ll buy me tomorrow in another branch, wherever it takes him actually, just to avail a separate order of this yummies! Or maybe, this is just another way of life telling me to stop the carbohydrates intake, I’m actually needing a alli diet pill with the pounds I’m earning.