No More Credit Cards For Me

I've been living for more than 5 years without using credit cards. I used to say to myself that I must have at least one credit card in case of emergencies. But what happened was the opposite; I used the card for "emergencies" like clothes and shoes that are on sale, items that are on "buy 1 take 1" deals, groceries, and things similar to that. I used to say to myself, "Oh, I can just pay my card when my salary comes." 

But when my salary arrives, other "needs" started pouring in like my daughter needed to buy new shoes for school, the bill for the gas or water had arrived, someone got sick and I need to buy medicines, etc.  As a result, I was not able to pay the credit card in full. I was only able to pay the minimum amount required. So the plan of having a credit card without a balance has turned into having another credit card that would pay for my other bills. 

So the pattern goes on and on, until I finally decided to save enough money to pay one credit card in full which amounted to P21,000 ( around $411). Once I paid in full, I told the bank to close my account permanently. I did the same to the other card after paying it in full. 

Vacations Should Have a Set Budget

So now, my husband and I don't have credit cards with us. We try to set our lifestyles within our budget. For example, if we wanted to have a staycation, we plan and save enough money to pay the vacation in cash. It's actually more worry-free for us because after the vacation, we forget about all the expenses incurred; no bills to haunt us for the rest of the year. 

For simply staycations, for example, on hotels, if you have a $200 budget for it, then you should simply look for hotels that offer $200 or below for a 3-day-2-night stay. Aside from board and lodging, you also have to consider your food and how many people are dining with you (e.g. your kids, relatives, etc.). 

Change Your Credit Card to Debit Cards

A lot of banks nowadays around in the world offer debit credit cards; cards that you need to fund in cash before using. For example, if you only have $200 debit in your card, then you can only use your card until your $200 , nothing more. It's like using cash, but in card form. Hotel reservations online, malls, restaurants, and others already accepts debit cards with Visa/Master card logo for your convenience.  

Shopping Online is Cheaper

Okay, this may be subjective, but in my experience, shopping online is cheaper. When I shop in a mall, I had to walk around, look for a cheap item. But after a few hours, I get hungry as well as my kids so I had to pay extra for food and my kids' playground time. I also had to pay for our transportation expenses. 

That's all I could think of that will help you save for 2019. Do you have any suggestions? List them down on the comments below and let's talk about it. 

Elevator Shoes : Better Than High-Heeled Shoes

Height is one the best physical assets a person can have. Most people who are taller become basketball players, models, contestants in beauty pageants, security guards, military, and so on.

But what if you’re not blessed with the height that you wanted? Is there still a chance? Most people, especially women, would wear high-heeled shoes, but let's be honest, they're not really comfortable. Thankfully, there is a less painful way to increase your height instantly thanks to elevator shoes!

Get Paid For Your Blog at Get Blogged

Another great source of blog opportunities for you is the Get Blogged site. When you register your blog and social media sites, you will receive monthly or even weekly blog assignments according to your DA. Click the picture below to register:

Your Eyes Deserve Some Love, Too

The eyes are the windows of the soul. This is a common saying that goes on for generations because when someone looks at your eyes, they see a million things such as honesty, love, sincerity, beauty, and a whole lot more. Even in businesses, it is recommended that you look at your clients eye-to-eye as a sign of respect.

Spoil Your Eyes

When was the last time you spoiled your eyes? When was the last time you ate carrot or even drank a carrot juice that's good for your eyesight? I personally am guilty of not worrying my eyes more. I can no longer emphasize how significant our eyes are. I'm sure you're already aware it by now. All year round, your eyes are probably exhausted from work or too much screen time. So this holiday season, why not forget buying that new iPad or anything that could stress your eyes more? Let’s face the facts.  If you fail to take care of your eyes, you wouldn’t be able to do the things you mostly do every day . Our eyes play a vital role in everything we do so I think they deserve to be spoiled.

Glasses That Suit Your Style

In an office setting, you would need glasses that look stylish and yet professional-looking. Thankfully, hard to find glasses are easy to find at voogueme.com. I personally checked their selection and I love how they give their customers a lot of options to choose from- from stylish glasses to eye wear accessories that you'll definitely have fun shopping. For a professional-looking glasses, here's one that I personally like: 

For special occasions, you may opt to choose this elegant-looking cat eye frames online. This would definitely suit your formal wear as you can see on the picture below. The stones attached to the frames would also match most diamond-themed jewelry you would wear. It will definitely give the user a powerful and strong impression that every woman deserves be it in the professional world or in their personal life. 

Combination of casual and elegance from eye glasses can be a challenge, but I saw this silver cat eye glasses and I knew it captured it.  I personally like this one because the cat eyes give it a playful image and the diamond stones give it the elegance that would suit all the ladies. I actually saw an office girl wearing one similar to this and she has long strong hair wearing professional attire. She actually looked nice and quite refreshing from the black framed eye glasses that I mostly see among people nowadays.  

When I visited the Voogueme website, I had fun looking around and trying out the glasses they offer. Yup, you can try the glasses by clicking the icon on the left that says "Try On" and then a pop up would appear where you can see how your selected set of glasses would look like on different shapes of faces.

This beige glasses looked really nice and natural on every face. I really wished I saw these glasses back in college because I'm definitely sure they would suit me and it looks lightweight, too.

Oh, you should also hurry! Register an account in www.voogueme.com so you could get more discounts!!!

Good luck on your Christmas shopping! Happy Holidays!

Christmas DIY Decorations

I was compensated for this post. This post also contains affiliate links and I will be compensated if you make a purchase after clicking on my links.

Image from Pexels

Thanks to the early holiday cheers and decorations from supermarkets and malls, I can already feel the Christmas spirit just around the corner. I remember my mom decorating our house as early as November and it really made me feel happy and made our house quite homey and cozy. She also told me that purchasing Christmas decors early can save us lots of dollars and makes Christmas decorating far less stressful without the pressure of finishing it sooner.

How to Rid Your Kitchen of Pests

Nothing is more irritating or flat out disgusting than stumbling on ants on the kitchen floor or noticing around fresh fruit, fruit flies. I'm sure all moms has experienced this kind of situation once or twice in their lifetime. This is a bit of a disgusting topic, but we really need to tackle this issue for educational purposes. 

Where to Go for a New Adventure: 4 Driving Destinations

Nowadays, a vacation isn’t just about going to the beach and enjoying the sun and sea, or staying at a five-star hotel and enjoying the lavish accommodations. Of course, these aren’t bad ideas for having a vacation; but if you’re the more adventurous type, you’re probably looking for a new experience or at least a unique hotel that offers their special brand of relaxation.

Thankfully, there are a lot of new establishments that offer exquisite vacations. What’s more, these are located in cities or provinces near Metro Manila so you don’t have to travel so far to get there! Here are five beautiful driving destinations you can visit on your next vacation to experience an all new kind of holiday.