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Firefly kayaking is one of the “in” thing a vacationist can do in Bohol. Many things can be done on a kayak that is why this is one of the most lovely vehicle you can have on water, besides the fact that riding a kayak will not cost you fuel or electricity, making it run will make you sweat. If you are looking for a healthy and fun way to exercise kayaking should be your first choice.
Consider checking this link and see how fun it is especially if you do it in Bohol.
Budgeting is a never outdated topic when it comes to financial matters. This is why I am sharing with you one of the best readings I have every came across when it comes to budgeting. Let us call this Budgeting 101 which I found from here.
Budgeting lies at the foundation of every financial plan. It doesn’t matter if you’re living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances. Unlike what you might believe, budgeting isn’t all about restricting what you spend money on and cutting out all the fun in your life. It’s really about understanding how much money you have, where it goes, and then planning how to best allocate those funds. Here’s everything you need to help you create and maintain a budget.
1. Budgeting Basics
Do you know why a budget is so important? On the surface it seems like creating a budget is just a tedious financial exercise, especially if you feel your finances are already in good order. But you might be surprised at just how valuable a budget can be. A good budget can help keep your spending on track and even uncover some hidden cash flow problems that might free up even more money to put toward your other financial goals.
2. How to Create a Budget
The hardest part of creating a budget is sitting down and actually creating one. It’s like staring at a blank piece of paper when you need to write something and that first step seems like a massive hurdle. Don’t worry–I’ve broken down the budget creation process into a few easy to follow steps. You’ll be able to sit down and create a basic budget in just a few minutes.
3. 3 Traits for Budgeting Success
Once you’re taken the time to create a budget, now it’s time to make sure you follow it. Budgeting can be like going on a diet—you start with good intentions, but after a few weeks or months you drift away from your plan. Don’t let that happen to you. Here are a few basic traits that will ensure budgeting success.
4. Basic Budget Worksheet
If you’re having difficulty coming up with all of the various expense categories for your budget, I’ve created a budget worksheet that can help you organize everything. This worksheet has the most common expenses and can help you keep track of everything in an orderly fashion.
5. How Overspending Breaks Your Budget
The main reason to create a budget is to help you keep your finances under control by keeping track of how much money you’re spending and where it goes. When you begin to stray from your budget it’s usually because of spending too much money somewhere. But if you have a budget that tells you exactly how much you’re supposed to spend, why is it so easy to overspend? There are a number of reasons we overspend, so when you understand what causes overspending, you can help put a stop to it and keep your budget on track.
6. Try Using Cash to Keep Spending Under Control
Swiping plastic has become incredibly easy. With both credit cards and debit cards, we can be in and out with a purchase in a matter of seconds. Unfortunately, this convenience comes at a cost. By using plastic we can begin to lose track of how much money is actually being spent. Sure, two dollars here, 4 dollars there, it doesn’t seem like much at the time of purchase, but if you aren’t careful they can really add up and bust your budget. One trick to help keep your daily spending under control is to use cash instead of your credit or debit cards. It might not be as fast, but it helps you visualize just how much money you’re actually spending.
Heart Evangelista and Chiz Escudero
This is the rich-girl-poor-boy love affair. Heart obviously is madly in love with Chiz and as a result not submitting to her parents request to stop having an affair with Chiz. You can just imagine how much pressure it has when Heart’s parents called for a press conference just to air their plead to Chiz Escudero. Chiz, ikaw na!!!
Krista Miller-Cesar Montano-Shine Cruz-Montano love triangle
Sunshine Cruz have been very patient with the issue of Cesar having an affair to another girl but she broke her silence when the alleged gifts of Shine were re-gifted by Cesar to Krista. Nothing is so especial with the gifts because it’s just a men’s Abercrombie and Fitch shirt, chocolates and an iPhone5. These are what started with the Instagram War between the two. Shine also commented on Twitter that Krista were sending sexy photos and message to Cesar Montano. However, up to this time, Cesar Montano remained silent about the issue.
Kris Aquino and James Yap
Just recently, Kris Aquino made another scene when she announced that she needs a TPO (temporary restraining order) that will not allow her ex-husband James Yap to get near her and Bimby. This happened after Kris claimed that James is forcing himself to Kris and giving distress to their son Bimby.
My schedule yesterday was very light. Rey and Gab picked me up from work and we headed home right away because there was no malls open yesterday. On our way home, we agreed to take Bubble’s Laundry team for a treat in Tagaytay.
It was a good timing because we don’t have much laundry for the day and both me and Rey are off from work. Best thing is that all of us will fit in the car. Since it was an unscheduled plan we hit the road right away. Too bad the traffic going to Tagaytay was heavy and we don’t have much time to be on the road.
Good thing, Pamana Restaurant was on the outer part of the city so we decided to park at order food. The 7 of us, had the ever wonderful Kare kare, Tinuktok, Bangus and Bagoong Rice. It was a wonderful meal and everyone was so quiet on our way home.
Almost all men shave, some use safety razor, some use disposable razors. I am not a man and razors are not part of my shopping list until I got married. My husband used to use disposable razor when he was still single and I decided to buy him a safety razor since it was me who manage the grocery list and I hate buying disposable frequently. I just wanted to share to you the benefits we experienced since he shifted to use safety razors.
Cost Effective: I bought my husband’s safety razor about 3 years ago for about Php 300. The handle I bought comes with 1 set of blade. A refill pack with two cartridge will cost me about Php250. 1 cartridge will be used for about 4 months because he shaves only once a week. Therefore, it cost me Php 650 for his shaving tool for a year. Compared to his disposable razor that costs Php20 and he needs to change it every week. A year’s supply for that is roughly Php1000.
Better shave: Sharp blade gives a good and fast shave.
Less waste: When the blade is dull, my husband only dispose small sheet of metal and the wrapper for the new blade. Compare this with the waste material you dispose when you use the disposable one. Small way of keeping clean and green, right?
Less skin irritation: As the name suggests, safety razors are more safe compared to disposable razors. It gives less pressure on your skin and while it shaves smoothly.
Just think of this four items I mentioned here, and imagine how much it will help you if you shift to using safety razors. Check about the parker razors here and see the difference.
Good thing Smart now offers MEGA 250. With this, you get to enjoy Unlimited texts to Smart, TNT and Sun for 30 days and 180 minutes call to Sun, Smart and TNT as well.
Just imagine how much you can save if you take advantage of this.
All you have to do is to load up 250 regular load and register it by typing MEGA250 and send to 2477. Wait for the message confirming that you have succesfully registered to the promo before you start texting or calling.
With text message, you can text as normal to enjoy the free text. To make a call, you have to add *2477 as a prefix of the number you are calling. The phone number you will call will look like, *247709xxxxxxxxx.
What to expect when calling? Based on my personal experience, it is not hard to make a call because you can easily connect to the number you are calling. Your conversation will be cut at 6 minutes but you can dial again if you wish to continue talking.
Well, those testimonials can be true, if you know anything about auction bidding websites. One of the best I can suggest is Dealdash.com. This is one of the unique and longest running penny auction websites. As most players prefer, they love dealdash because it has an option for you to buy the item at a regular price in case you don’t win in the bidding. It will turn out as you did not lose anything at all. This is as good as placing order cigars online.
Visit now Deal Dash and make your very first winning of your new gadget.
Guess my tablet does not agree with me!!! I am trying to upload Gab’s graduation pictures to my netbook coming from my tablet but it doesn’t work. This is the first time the tablet is not cooperative with my blogging. It’s when I have free time to do a post but I am not able to post what I want to.
It was Gab’s big graduation day yesterday and at the same time Rey and I’s wedding anniversary. As much as I wanted to post those pictures, something is terribly wrong with my tablet.
Better luck next time for me I guess.
On March 14, 2013, the conclave of 115 cardinals successfully elected and announced Pope Francis as the successor of Pope Benedict XVI. Jorge Mario Bergoglio of Buenos Aires will lead 1.6 billions Catholics all over the world.
Pope Francis or Jorge Mario Bergoglio is one of the 5 children of an Italian immigrant railroad worker. Pope Francis at 76 years old now and who was 2nd during the election of Pope Benedict XVI in 2005.
Historically, Pope Francis is the very first Latin American and first Jesuit to be elected as Pope. Rubin Sergio, the biographer of Pope Francis commented that, “It’s a very curious thing: When bishops meet, he always wants to sit in the back rows. This sense of humility is very well seen in Rome.”