How To Make Use Of Your Money For Your Benefit

If you are only earning a minimum wage and do not have a lot of money like other people, you can still survive and live a simple life. 

Some people do not even earn the minimum wage, especially when they are regarded as apprentices still. If they do earn on an hourly basis, they can use that money they earn for their basic needs or save it for things that they want to have. Saving money even if you are only earning a little, can help you get things that you want for yourself or for the people you love. 

Saving money in a savings account can help you have cash stashed away in the bank for things that you might eventually need to purchase in the future, or for it to be used for emergencies when fast cash is needed immediately. Your savings can be used to pay for future expenses that you intend to make. Savings can also be used when you need money immediately. The cash card or debit card is a handy card you need to keep some of your savings in, for easy access to the cash or money you need.

A credit card is useful if you do not want to touch your savings or time deposit accounts. However, make sure that you only use 10 to 20 per cent of your credit limit to keep a good credit standing with Experian. Make sure to pay the monthly credit due that you need to pay every month to avoid penalties and avoid getting a bad credit rating.

If you want to invest your money in something that you need to have, think of the investment very well before you do. If you intend to buy a house or condo, make sure that you are getting the best one that is perfect for your needs. Consider proximity to your workplace, or relatives or friends, as one of the important factors in choosing the location of the house or condo. Consider the amenities that it offers to the community that you will be living in. Consider the availability of transportation to and from schools, hospitals, markets, places of worship and wellness facilities as well. Save for real property tax as well, if you own a house. You need to pay for this every year at the local government of your town. 

If you want to buy a new gadget, consider the maintenance needs of your new gadget. Consider the things that you need to spend on to keep enjoying it. Make sure to earn and save the money you need to keep using the tool or gadget that you have. Computers today can help you earn a living because they can help and aid in teaching, messaging, writing, communication, online shopping and electronic commerce, among other things. Invest in a gadget that you can afford to keep your business going or to keep and do your job well. Smartphones and iPhones help you connect with the people you love and save images of memories you have with them, so take good care of them as well to be able to look back at these images.

If you decide to buy a vehicle that you need to use for moving from one place to another, prepare for yearly registration fees and possible repairs later on (once the vehicle is 10 years or older). The cost of registering the car or vehicle depends on its make and model. Prepare for these expenses as you are likely to incur them every year. You also should have some of your hard-earned money for gasoline and the maintenance of the vehicle. Having a car may be convenient for some people because it helps them transport their family members with ease from one place to another. However, if you cannot afford it, public transportation is also available if you need to travel. Investing in a new car, may sometimes really hurt the budget, but if you want a reliable engine, a new car is the best option. A slightly used car would be the next best option.

Buying agricultural land to have a source for food. Some people buy agricultural land for them to have food that the family needs. However, when you have a piece of land to plant food on, you also need farmworkers to help plant the crops, help them grow, and harvest them. Sometimes there is a need to rent equipment to do the farming and harvesting. Therefore, you need to be prepared for these expenses. A portion of the money you earn from the harvest might have to go to the cost of the next cropping period. 

Having some money ready for home utilities is also necessary. Electric bills, internet, cable television, and water bills should always be settled and paid every month. You need to have water and electricity in your home all the time to keep in touch with what is happening in your neighbourhood, your town, city, the country and the world. So, make sure that you have some money for these things. 

Have some money ready for other food supplies that you need. You can use some of your money to buy food that your agricultural land does not grow. Some of your family members might want some fish, meat, fruits, nuts and vegetables that your garden does not have. So, save some of the cash for these and buy them when you need to. 

Make sure to pay for your health care and social security to get the best benefits for these things in the future, like pensions and discounts when you need to have a major hospital operation. Putting money in your social security account will help you earn pensions when you retire. You also have the option to make loans when calamities strike. Pay the loans once you are able to, to get the full pension when you retire. You will also get a burial allowance from your social security benefit if you die.

There are other investment options that people venture into, some in real estate, some in the energy sector and others in the stock market. However, there are always risks and sometimes downturn to investing in a business because there is a business cycle that always usually have a recession, or when markets are down. Buying or consumption goes down at a certain point in the business cycle and the market at this point will be at a recession. Later on, once people start to recover from the recession, the economy picks up again and people start consuming and buying things again. 

Make sure that you use your money for the things that you need and that are important to you. This is the only way that they will be able to satisfy you. You will not be satisfied in your life if you put your money into things that are not important to you or your family and love ones. Invest your money for the welfare and benefit of your family or loved ones if you love them and truly care for them.

Have a lovely day or night. 

Message To The Young Ones On How To Take Care Of Their Body

By taking good care of yourself, eating the food you need for a strong body, getting enough rest to wake up to another day and doing the responsibilities that you have to face is very important.

We pray that you are able to accomplish the tasks that you need to do, for you to do well in all the things that you are supposed to do and plan to do. Always get enough sleep and eat food that is good for your health and one that can give you the strength to do the physical activities that you are likely to participate in. 

Try praying and mediation if you want to dispel negative vibes in your body. Praying and meditating helps in giving clarity to your thoughts and help you slowly heal your body from the strenuous activities that you have been doing for some time. 

Stretch your muscles slowly and carefully to get rid of the tension that you may be feeling in your muscles and the rest of your body. Stretching will help make the blood flow better all over your body and move better as it passes through your heart.

If your back is aching, do some shoulder rotation which will help relieve the pains that you may be feeling. Rotate your shoulders forward and then backwards.

If you are having lower back pain, twist the torso from left to right then right to left. You may also lay flat on your stomach and slowly lift your upper body up with your arms on the floor and stretch your back muscles. 

Drink a glass of water when you wake up, before breakfast, and always drink water after every meal. Make sure to drink water after consuming flavoured drinks. Water is best at rejuvenating your body with the essential liquid that will help you have good health and a strong body. Water is important when you are trying to cure any kind of illness. It helps in detoxifying your body from unwanted elements that hurt your body, help cure diseases that you may have and heal you from the sickness that you may be having.

Bathe or shower with warm or cool water after a hard day's work. If you had a tough day of physical or mental work. It is best to treat yourself to a good bath or shower. This will help relieve muscle pains that you may be feeling and cleanse your body of the dirt that you have encountered the whole day. Use a white soap for your sensitive skin and towel dry with a clean towel.

Sleep for at least 8 to 10 hours, for you to regain the strength you need for the next day's work. Sleep is good for the body to regenerate brain cells or neurons in the brain. Sleep can also help you rest your body, mind and spirit from the tiring activities of each day. It helps relaxes the senses as well and make you wide awake and attentive for the next day.

Vegetables, carbs (like rice, bread, potatoes), citrusy fruits, some meat, beans, nuts, other kinds of fruit are good for each day. It's up to you what you want to eat each day, but make sure you have some of these in your diet to keep your body healthy. If you have to eat some food with sugar, keep it at a minimum. 

If you have some achy muscles, you can try giving them a massage for about 3 to 5 minutes a day. You may use any kind of oil that will help you soothe the pain. One soothing oil is efficascent oil which can be bought from your local drugstore.

Take a nap after 4 hours of work, if possible. If not, have an hour break after four hours of work. This break will help you rest your senses and get you back to work refreshed after the nap or break.

You can do some light cardiovascular exercises within the day, like walking. This will help you burn the calories you have consumed during the day and help your heart pump blood better and help this circulate properly inside your body. Ten to fifteen minutes of walking is alright. 

Keeping a healthy body is essential to living a life that you will enjoy and have fun living. A healthy body will help you make some of your goals come true if you take good care of yourself and the people you love. 

Have a lovely day or night. 

Why Planning For Financial Stability For A Family Can Be Daunting And Difficult At Times For Some

Some people nudge the idea of building a family, especially if they feel they cannot handle the financial, emotional and physical activities that come along with the responsibility. Others prepare for it, as early as childhood and make necessary preparation for the ideal family that they hope to have.

When a person plans to have a family, he or she should consider all the things that come along with the responsibility. This includes being loving to your spouse and children despite all the difficulties that they are faced with. 

As parents, they have the option to have someone at home to care for the children, if both parents are working. Or, have one of the parents', stop full-time work to care for the child, themselves. However, having child care by a babysitter may cost some money.

Caring for your children yourself is perhaps a really wonderful feeling for any parent and something that most parents love to do, especially if they are physically and mentally prepared to do so. They are able to connect with their child and enjoy the moment. However, sometimes this is not always possible because a parent or both parents have to work, for them to have money, food, shelter and clothing that they need for their family. 

Being a parent can be daunting at times because sometimes you have to help and try making your children's dreams come true. Some parents can help their children achieve this, while others do not need to because their children are resourceful and help themselves in making their dreams come true and work on achieving them. This determination that helps a child achieve and fulfil their dreams is something that a child may really want.

Financial stability is sometimes difficult to achieve because of various events that happen in history. Markets crash because of a recession, wars or epidemics and pandemics. Business income and or income from work may not always be very good, especially if you get a pay-cut due to these things that happen in the business cycle. However, things don't always stay down. If you keep working hard at what you do, eventually, earnings might come and potentially go up. You will eventually get the earnings or income you are looking for once the economy pick-up again and people start buying or selling things again.

Making good investments is very important for people with a family to feed. If you are looking into having a home for your family and a good education for your children, it is important that you save that money they need for the expenses that may come along with these dreams that you want for them and those that they want for themselves. 

Investing in agricultural lands to feed an entire clan is also necessary if you want your family to have the nourishment they need for each day. Food is a necessary part of any living creature, which is why it is necessary for families to have a place where they can get the food they need and for them to sustain this basic need. More families working together to do this task can help make families have the food they need to be served on their tables. 

Clothes are also necessary to protect families from the cool, cold weather once they get out of the house and protect them from the elements. Clothes are an important part of living as they help protect our skin and keep our body warm especially when outdoors when the weather and temperature are cold or freezing.

When you have a family, all these things should be met, and parents should be thinking about having these things for their families and children. These are simply the basic needs a family need as your children grow, go to school and, as we make beautiful memories with them and with other family members.

Simple gifts that your child may be wanting from you, may also be given to them, once or twice a year to make them happy. Like any other human being, some children may be attracted to a certain gadget or toy that they like. If you have the ability to buy them the gift, then it's alright to give it to them. If you don't, then you can always tell them that you cannot afford it at this time. You can make them do chores for you, make them an apprentice in the job you have and give them the allowance or incentive that you agreed that they can get. 

This is also a good thing for them to learn some things that they probably need to learn about. If they do a good job, or if they do the job well, recognise and congratulate them for it. Give them the incentive that you have agreed on so that they will keep working with you.

Have a lovely day or night.

Japanese Water Therapy

 See this link for the full article:

Japanese Water Therapy: Benefits, Risks, and Effectiveness

Travel or Tour To Pampanga, Manila or Tagaytay

If you are thinking of travelling or touring Pampanga, there are several hotels where you can book a room in advance. There are hotels, motels, lodges, homes and apartments that you can rent for the time that you will be visiting the province.

If your plane is landing at the Clark International Airport, there are several hotels near the airport where you can stay after a long trip. Hotels that are available near the airport include Quest Hotel, Royce Hotel, Midori Clark, Widus, Clark Marriot, Hilton Hotel and smaller hotels outside Clarkfield like Eurotel. (visit this article to find more options: Hotels near Clark International Airport - CRK, Angeles

If you want to stay in San Fernando, Pampanga, the town has these hotels: 5 Hotels in San Fernando - Browse Our Top 10 Hotels

If you are visiting Tagaytay: Here are the hotels that you may be looking for: 

Hotels in Tagaytay - Great Rates, No Booking Fees

Wind Residences Tagaytay - Book now

Robinsons Summit Ridge - Summit Ridge Tagaytay

If you want to travel to Manila after landing in Clark, there are also several hotels in Manila where you can stay. (visit this link to find the hotel you want to stay in 720 Hotels in Manila - Browse Our Top 10 Hotels)

Luxury Hotel in Manila | Makati Shangri-La, Manila

Other hotels outside of Manila.

https://www.ayalaland.com.ph/hotels-resorts/

Grab cabs, taxis, and other forms of transportation like buses, tricycles and trains can help you move around the city. Several shops inside malls, along with certain places in the city, serve various food, that you can enjoy. Hotels accept credit cards if you use your credit card to pay for your accommodations and food. 

It will also be advisable to have some Philippine peso cash ready, just in case you need it for buying things where credit cards or mobile wallets are not accepted. You may trade your currencies at the local money changer or currency exchange centre which may be found in the airport, banks or local malls like SM.

You may also use G-cash, which is an option to pay for services and goods that you avail of. G-cash is sometimes accepted by various establishments including grocery stores, supermarkets and restaurants. It is like your credit card on your smartphone, which can pay your bills and expenses. It is an alternative to paying for goods and services that you consume or avail of if you do not have a credit card. G-cash is like the smartphone credit card that will allow you to pay for expenses you have as you travel. It is otherwise known as your mobile wallet.

According to G-cash, it is: 

"A mobile wallet app that lets you instantly pay bills, buy load, send money, shop, and more – all in the safety of your own home!

Enjoy fast and easy payments with GCash! It's a safe, secure mobile wallet that connects to your mobile number, making it available anytime, anywhere."

If you intend to go or visit local churches, you have the option to donate something to the guardians of the church. You may either bring some food for them, give them some cash, bring some flowers or light a candle in a candle area, if they have one, or buy some of the local artwork that they may be selling in their local store if they have one. Some local churches are burial sites, which is why candles and flowers are brought to them, sometimes.

If the young ones want to go malling, there are various places where they can go to. SM malls, Robinsons Malls, Ayala Malls - like Marquee Mall in Pampanga, Trinoma and Glorietta in Metro Manila. However, children below 18 years old are still not allowed to enter malls. They can, however, go to parks and stay in the hotel, where they can have some rest after a long journey. 

The good news is that malls in the Philippines, offer delivery services which you can avail of if you want to purchase something from their products. 

Delivery services include:

https://www.smsupermalls.com/whats-new/the-sm-store-call-to-deliver-hours-during-the-enhanced-community-quarantine/

https://gorobinsons.ph/?gclid=Cj0KCQjw5oiMBhDtARIsAJi0qk0oFLLNQ4uuBIr5qhmydyQFw6sy8_J0cT_jSQMdM8Hi5pszHuuF-UAaAnzHEALw_wcB

https://www.facebook.com/AbreezaMall/posts/ayala-malls-delivereasy-is-delivery-made-easy-from-us-to-you-get-all-your-food-c/3272279912806983/

https://mangan.ph/restaurants/preview/3270/breadtalk-marquee-mall

Welcome To Our Home Sons and Daughters

Sons and daughters, we know that you are on your quest to fulfilling your dreams. But please, try to take good care of yourselves out there. Mom and dad cannot be there for you always on your travels, be cautious, careful and take good care of yourself. Our humble small home is always open for you if you decide to visit and stay with us.

What Are The Benefits of Milk

Milk helps relieve you of acidity, which may even reach the point when your heart hurts or when you feel like you have heartburn. If you have full cream pasteurized milk at home, you can add half of the portion with hot water and drink the solution. Warm milk is best before bedtime or every morning to help keep your body healthy and strong. 

Milk is filled with calcium. If you do not eat food with calcium or calcium tablets, you have the option to drink milk instead. Milk can help you grow taller, and help you neutralize the acidity that you have inside your body. Thus, preventing you from making your body hurt because of the acids that you have taken in.

Milk is also a good creamer for creamy food recipes. It tastes good with pasta and other cheesy recipes. It is also used to make cheese and it can be used for your favourite pizza recipes. Cheese made of milk can be made into different kinds of pizza or bread recipes that pizza lovers or cheese lovers like to eat.

Cheesy dishes with various kinds of meat are sometimes a favourite for some people because they simply make the taste buds of cheese lovers happy. In order to have cheese, you need a good kind of milk from your local dairy farm, that can provide you with what you need. 

Expired milk, is sometimes used for paints after it is mixed with chemicals that will make it resistant to pests. They are mixed with chemicals that will make them useful for painting. White paint can be used for various purposes, either for painting hallow blocks, wood, vehicle and other things. 

Have a lovely day or night. 

Dual And Multiple Citizenship

https://www.second-citizenship.org/second-citizenship/dual-and-multiple-citizenship-as-a-direct-consequence-of-globalization/

https://www.philippineconsulatela.org/consular-services-2/dual-citizensh1p-ra-9225

You Have The Option To Say No To A Challenge That You Are Not Comfortable In Doing

You always have the option to say 'no' to doing something that you feel you cannot do. Every human being has their own quirks, limitations and strengths. Sometimes you may not be good at doing something because you may really not be good at a challenge that you are facing.

It's ok to say 'no' when you are not able to do certain tasks that you are invited to partake in or join in. Don't try to get into something which might endanger your health, well-being, future and maybe your loved ones. Before getting into something that you want to get into. Weigh the benefits that you will get from it. If the benefits outweigh the cost, you have the option to pursue that path, if you want to. However, accomplishing something that you want to accomplish, might be difficult at times. Therefore, you have to prepare for difficulties at certain times.

Learn about life every day. Learning about the world, yourself, your partner, your young ones every day is very important in making a happy life for you. As you see the world better and the behaviours of your family members, neighbours or community, you will be able to see how you can work things out and how you can protect yourself whenever you need to. Keep an open mind, but be cautious and careful as well with the people you love and care for. Taking good care of yourself is important, in order for you to take good care of others as well.

Keep yourself healthy, to keep the family healthy as well. Sometimes you have to say 'no' to sports and games that they are inviting you to play in because they can either cause you to get sick, get you injured, or make you disabled. If you are in your 20s, it is important to not abuse your body with high impact aerobics or cardiovascular exercises, because they will eventually cause muscle pain. It is recommended that you do cardio exercises but try to keep them light and easy. 

Have a lovely day or night. 

Mother's Apology To Her Children

My mind may not work the way you want it to. And I may have done things that hurt you deeply. Things do not always happen the way you want them to, but deep in my heart I always sincerely love you. You will not be in this world without your Dad and I.  We may have a lot of faults and may have not been able to give you all the things you want. But we are trying to with the resources and strength we have. As parents, we sincerely love you. And let's pray together that we overcome all the challenges that we are faced with, Amen.  🙏🌝😌

Mother's message to her children. I know that you are likely having a difficult time right now, and there might be challenges that you are facing. They may be difficult to overcome and hard to accomplish. But I want you to know that even if you are slow at getting them done, or are not able to do them well, because you may be tired or sick, it is ok. Get well if you are sick. Rest your weary mind, body and spirit at home. Take good care of yourself always. If you are travelling together with your loved ones, be careful. Your Dad and I eternally love you. Take good care of yourself always. 

Why You Need To Pay For Your Social Security or Pag-big

If you are working on a contract and your employer does not pay for your social security and suggest that you have to pay it for yourself, then do so. You can pay for your social security voluntarily, every month or in advance, either through a certified bank, SSS service centre or SSS itself.

It is important to pay for your social security, for you to have some savings stashed in your social security account, which will allow you to borrow money, in case you need to make a loan due to natural calamities or acts of God. If these calamities have affected you, or if you got afflicted with some form of illness, paying for your social security monthly, or in advance (like annually), can help you have some money for these events, help pay for hospitalization or have money for medication. Social Security can also give you pensions once you retire. 

Calamity loans, hospitalization or sickness benefits, burial benefits are some of the benefits you can get from paying your social security. Having social security is important to help you in case you experience these things in your life.

Pag-ibig is also known as the Home Development Mutual Fund helps you borrow money for home renovation, and building a new home among others. If you pay for your contribution regularly, it can also give you dividends when you retire, like savings in a bank. Once you retire, you can get your dividends, savings or whatever your savings have earned. 

You may also save your money in the bank and earn interest, depending on what the interests rates of the bank have.  Saving some money in the bank, helps you have some funds that can easily be accessed when you need them. You can either, put your money through a savings passbook account, ATM account, time deposit account, UITF and several other products that some banks are offering. It is important to study which bank product is best for your money to make them earn more or something that serves well for your financial future and the benefit of your beneficiaries.

For more information, you may go to SSS online website: https://www.sss.gov.ph/

Have a lovely day or night.