The Curious Mom

When we talk about financial stability, many people were skeptical if they are financially stable. How much money you're able to save in a single day? or in a month? Do you actually save anything? Whenever we aren't in need, we have a tendency to neglect to save for the future, which is not a good thing. Aside from saving, we can invest, which is prudent thinking when considering the future. There will come a time when you will have enough money to wait in emergency situations.

Everything has changed since the Pandemic, and we are all affected. It will take years for all of us to recover. So many realizations for me, that everything we have will be gone in a short period of time. Having considered saving and investing in things that will be important in the future. Now, our lives are gradually returning to normal, but the world has changed and this is our normal way of life.

When it comes to financial stability, many of us are uncertain if they are stable. Financial stability provides us with peace of mind.

I personally struggle with budgeting, and I believe that most people do as well. The household's daily budget is difficult to manage. When you become a parent, budgeting becomes more difficult than when you are single and providing becomes more difficult because members of the family may incur unexpected expenses. Because I try to save the majority of the time, everything becomes costly for me. I even tried saving money on my clothing; yes, we can do that as long as the clothes are comfortable to put on.

I want everything calculated as much as possible; trying to keep track of our expenses helps to ensure that I did not overspend. I use https://www.savingscalculator.org/ to keep track of the flow in and out and with this, I managed to follow my simple plan, my budget plan for our household. Not only that basic computation, but it can automatically calculate everything for you. Simply enter the required data numbers, and viola, all the necessary information, such as your savings after tax, will be provided. I also like to set goals because it motivates me to work harder financially. 

It’s a pleasure to be part of @makukuph First Intimate PR & Bloggers Event held last November 29 at Seda Residences, Makati City with friends from media, blogger influencers, and VIP Moms. The event aims to educate the market on the unique features of MAKUKU diapers, as well as learn about stress-free parenting tips from clinical Psychologist, Alodia Cueno-Mercado, and exciting surprises for guests.

Adulthood is difficult. Many of us, if not all, are constantly struggling to manage our expenses, especially if you are a minimum wage earner like me. Even if we prioritize what we need first, it's not always enough for me, and I always struggle with our daily budget. Budgeting for bills, food, and other necessities is always a priority for me, but there are times when I overspend or fall short due to unexpected dues, expenses, or emergencies.

My primary responsibility as a parent is to ensure that my children have everything they require, but doing so can be prohibitively expensive. As a result, seizing control right away is critical. To be honest, it's difficult to provide because members of the family occasionally incur unexpected expenses. Knowing where you stand financially allows you to seek any necessary short-term relief or additional assistance. Money isn't everything, and no parent wants to incur additional debt.

When your income remains stable while the cost of living rises almost daily, it is almost certain that you will suffer a temporary financial setback as a result of this condition at some point in your life. Furthermore, the shock of discovering that you do not have enough cash to deal with an emergency or pay for unexpected expenses necessitates the use of loans.

Borrow money online without having to fax, it is one of the most convenient and simple ways to obtain cash. The procedure is quick and easy. You can finish filling out the form and get a decision in as little as 5 minutes! If approved, funds will be transferred to your bank account within 24 hours. We don't have time to send hard copies of documents to submit if an emergency occurs. When you are in this situation, applying for a loan solely online makes life easier. Personally, I prefer this type of borrowing money over lending money to someone I am unsure about. 

Even if we have a full-time job, we need to lend some extra cash for things like medical bills, emergency expenses, and other unexpected bills and payments. Loans can be beneficial or disastrous for you, so think twice before taking the first step toward borrowing. Make certain that the money was truly required at that time. Don't borrow for fun or to buy expensive items. To avoid a negative credit score, be aware of your obligations and pay your bills on time this is a payday loan so pay it on your next payday, not in months or years. Considering also to understand the terms of borrowing as well, read the contract before accepting it, make sure that you understand the conditions. It is intended to be used in emergency situations such as paying for medications or hospital service charges. As a result, only borrow what you need. 

There are a few things you should look into before taking out or considering a loan. But, if not today, perhaps you will need this site in the future, or someone you know may need of this kind assistance at this time.

Buying a house might be a bit overwhelming, especially for first-timers, and it is not wrong to feel that way. After all, owning such property is both a great investment and a huge responsibility. Not to mention the fact that it is a daunting process that requires a lot of money, knowledge, and thorough research, among others. But among the many steps, where do you start?

Fret not because Lumina Homes got you covered with this 5-step Buyer's Guide by Lumina.

A good buyer is the one who asks. It is only understandable for every first-timer to have a lot of questions. Good thing the basic details about Lumina Home Properties are just a click away. Access information about your preferred property or house models at Lumina's website (www.lumina.com.ph) and even chat with a Lumina Expert using the chat button on the website should you need further assistance.

This is probably one of the exciting parts of scouting your next home. Seeing the actual community you might be moving into, visiting those dressed-up units where you can draw inspiration when designing your new home, or just seeing for yourself if the place exudes a home vibe. Lumina understands this and offers a free site viewing with a Lumina expert to assist you.

But if you have yet to set the date for your site viewing, make use of the 3D virtual tour of Lumina Homes Showcase Area (https://storage.net-fs.com/hosting/6413202/22/index.htm).

Once you're already set with the location and property that you wish to purchase, submitting the reservation application is the next step for you.

Lumina makes it easier for homebuyers to make a reservation through Lumina Homes Online. It is an online portal where you can easily view and select your preferred block and lot, and settle the reservation fee through various payment channels such as credit or debit card, GCash, or over-the-counter. Upon successful application, you will receive an email confirmation that includes a link to Lumina Homes' Electronic Buyer's Information Sheet (EBIS), Electronic Quotation Sheet (EQS), and Electronic Reservation Agreement (ERA).

Lumina Homes is committed to providing quality service to all of its clients. After placing your reservation, an assigned Lumina Marketing and Admin Staff will be in touch with you for briefing, which includes information about the property you are set to buy, documentary requirements, step-by-step process prior to turning over of your Lumina Home, housing, and admin policies, and the project timeline.

After completing the briefing, you are only one step away from being a homeowner. The assigned Lumina expert will ask you to fill out some forms and submit documentary requirements within 30 days.

The list of documentary requirements varies and depends on two factors--employment status and financing options. Either way, Lumina Expert will be available to assist you with any further concerns.

Lumina Homes continuously evolves to accommodate the growing needs of its homeowners by providing digital real-estate solutions like virtual home tours and subdivision walkthroughs, online reservations, online appointment booking, and online payment options through digital wallets and digital banking in partnership with national bank players.

"Lumina Homes is committed to going beyond what is expected of an affordable housing community. We will maximize our developments' potential in providing our residents the quality home and life that they deserve," Estrellita Tan, Group Head of Lumina Homes said.

Start your homeowner journey at https://www.lumina.com.ph/property-listing.

A healthy diet and plenty of exercises are essential for a child's growth and development, but did you know that there are other things you can do to help your kids be healthier? The following blog post will discuss tips on ensuring your children are as healthy as possible. Follow these tips, and you can be sure that your kids will be happier and healthier!

Your backyard should be your oasis, a place where you can relax and enjoy the outdoors. But if your backyard is just a boring lawn, it might be time to consider adding some features to make it more enjoyable. Here are 10 functional additions to your backyard that you should consider.

If you want to increase privacy in your backyard, a fence or wall is a great addition. It will also help keep kids and pets safe while they’re playing in the yard.

As I became older, I realized many vital things in our lives, including financial literacy. The first step to being stable in terms of finances is when you know how to manage, know your plans in life, and ways to save. Of course, this knowledge is better when we learned it in our younger years. Of course, if we knew all of the ways and tips about finances, then we could avoid having bad credit. 

It's tiring and makes us exhausted working 8 hours a day to make a living and provide for all our expenses, yet there is still not enough. We do extra work to have funds for emergencies and things are now becoming more expensive.

My top responsibility as a parent is to make sure that my children have all they need, yet doing so can be incredibly expensive. As a result, taking charge right away is crucial. To be honest, it's challenging to provide because there are times when members of the family encounter unexpected expenses. Realizing where you stand financially enables you to seek any short-term relief or additional help that is actually needed.  Money isn't everything, and no parent wants to take on more debt. Nevertheless, finances aren't everything. Providing your child with a happy upbringing is the most rewarding thing you can do in life. If this form of assistance allows you to do it, that’s great.

If your child has weaknesses in the school curriculum, then you need to make up for these moments. This is important because children may have difficulty with the further learning process. The best solution in this situation is to hire a tutor who will help to present the material in the most appropriate way.

You want your child to learn math so you are looking for a proven program. for this, there is Singapore math where you don't need a tutor. Open the site and choose the right program. Get materials online and study them wherever you want. If you do not have the time or opportunity, you do not want or do not understand how to teach a child at home, then the best choice is a qualified tutor.

These are professional teachers with extensive experience who use an individual approach to the needs of each child. To understand if your child needs individual lessons, it is best to talk with his teachers. Together you can learn about his learning gaps and find the right tutor. Most often, extra lessons can be taken from your child's teacher. Less commonly, you may find it separately.

Scottsdale, Arizona, is a fantastic place to live with a family. It has a vast range of affordable homes with essential amenities nearby. The city has several high-performing schools, plenty of job opportunities, and abundant outdoor activities for fun.

If you plan to live in the city of sunshine, there are several Scottsdale homes for sale available. The current median listing price for a property in Scottsdale ranges from $699,900, with an increase of 12% over last year and an average of $320 per square foot. The average listing price in September 2020 was $725,000, a two-year high.

This blog will help you receive a lifestyle in Scottsdale surrounded by the beauty and properties that will leave you amazed.

When you find the perfect home, work with a realtor to complete the paperwork and ensure everything is in order. Your realtor can also be an excellent resource for advice and help throughout the process. With the correct information, you will be able to find the perfect home for your family and make a very fruitful investment that will last for years to come.

There are a number of things you can do to improve the value of your rental property. This blog post will discuss nine of them! Keep in mind that not all of these tips will work for every property – it is essential to tailor your improvements to fit the specific needs and wants of your tenants.

Moving out of your parent's house and into your own place is a huge milestone. It's an exciting time, but it's also a time when you need to be extra careful about your decision-making. After all, buying an apartment is a significant investment - both financially and emotionally. As a result, there are a lot of things to consider before taking the plunge and buying your first apartment. That said, here are four of the most important.

One of the most important factors to consider when buying an apartment is its location. Of course, you want to make sure you're choosing a safe neighborhood that you feel comfortable in. It would be best if you also thought about things like proximity to public transportation, schools, and grocery stores. The location of your apartment will have a big impact on your day-to-day life, so it's important to choose wisely.

In addition, you'll also want to think about the future when it comes to location. For example, if you're planning on starting a family someday, you'll want to make sure you're in an area with good schools. Or, if you're hoping to retire soon, you might want to look for an apartment in a more relaxed setting. Consider your current needs and your future plans when choosing a location for your new home.

Another important consideration when buying an apartment is its size. You need to make sure you choose a place that's big enough for your needs but not so large that it's difficult to maintain, such as Meriton Luxury Apartments. Think about how much furniture you have and how much space you'll need for all your belongings. If you have a lot of stuff, you might want to look for a larger place. But if you prefer to keep things simple, a smaller apartment might be the right choice for you.

In addition to thinking about the physical size of the apartment, you should also consider the layout. Some apartments have open floor plans that can feel spacious, even if they're not particularly large. Others have more traditional layouts with separate bedrooms and living areas.

Of course, one of the most important things to think about when buying an apartment is price. First, you'll need to figure out how much you can afford to spend on your new home. This number will be influenced by a variety of factors, including the cost of living in your chosen location and the size and features of the apartment. Once you have a budget in mind, you can start looking for apartments that fit your price range.

It's also important to remember that the price of an apartment doesn't just include the monthly rent or mortgage payment. You'll also need to factor in utilities, insurance, and other potential costs. So be sure to take all of these expenses into account when creating your budget for buying an apartment.

In conclusion, these are just a few of the things you'll need to think about before buying your first apartment. By taking the time to consider your options carefully, you can be sure you're making the best decision for your needs. With a little planning and research, you'll be moving into your new home in no time.

We are paying closer attention to our health than ever before in life, but that doesn’t mean that we are necessarily thinking about every facet of our health possible. For example, many people don’t consider the way that their heart is behaving right now, nor do they consider whether or not their heart is healthy.

When was the last time you had a checkup with your cardiologist or your dentist for that matter? Your heart is a vital part of your body, and if you’re not looking after it correctly you’re going to find that it’s going to be in more trouble - far more than you think. With this in mind, we need to think about the warning signs that our hearts are giving us to tell us that something is wrong. Let’s take a look.

Making small changes to your daily routine can have a significant impact on your overall health and stress levels. This blog post will discuss tips for changing your habits to achieve a healthier and more stress-free lifestyle.

Samsung Galaxy A Series brand ambassadors Donny Pangilinan and Belle Mariano, known as DonBelle, have finally revealed what they're up to with the official launch of their newest video featuring the new Galaxy A Series. Excellent is what they’re doing as they highlight how incredible life can be when you're doing what you love, especially with the new Galaxy A33, A53, and A73 5G.

Samsung’s latest video features #TeamGalaxy DonBelle as they showcase how the new Galaxy A Series amplifies their winning moments in gaming and content creation. The Samsung Galaxy A33, A53, and A73 5G are great for gamers and creators who want to explore new things, be in control of their passions, and achieve an excellent endgame that allows them to live the life they've always desired.

With the device’s Ultrafast 5G Performance and Snapdragon 778G 5G Processor on the Galaxy A73 5G, DonBelle showcases its gaming prowess, resulting in the fastest and smoothest gameplay possible. The video also demonstrates how nothing can stop the fun—not even a splash of water—with the Galaxy A Series smartphones’ IP67 Water and Dust Resistance rating.

Reports have called millennials the “burnout generation.” This is further expanded by the 2020 Deloitte Global Millennial Survey, which found that 57% of Filipino millennials feel anxious or stressed all or most of the time. The 2022 report found that 45% of millennials around the world feel “burned out due to the intensity/demands of their working environments.”

There are so many stressors these days. Work, finances, and the welfare of their family are just some of the things that induce anxiety. Their only solace is their passion, which ranges from creating and consuming content to playing mobile games.

With all the stressors hounding millennials every day, it’s important to turn passions into something valuable and powerful. Here are four ways to do that:

Make time for it. Face it, there’s always something that needs to be done. It’s important to set boundaries between work and leisure because a mind must be well-rested in order to function well in the office. It’s not enough to simply find time for one’s passion. These days, it’s about making it. Set a rule that after 6 PM, work notifications must be switched off. The hours after that must be dedicated to rest, spending time with loved ones, and hobbies.

Connect with like-minded people. A group of friends who share the same passion will most likely encourage it. Friends who enjoy the same bands can go to gigs together, while gamers can join tournaments or just play together. Film buffs can have movie nights where they can discuss their favorite scenes. There are communities that cater to every passion, from Facebook groups to apps like Goodreads for books, Letterboxd for movies, and Reddit for anything under the sun.

Share it with the world. Social media has made the world smaller, allowing everyone to reach bigger audiences. Creators can share their work on platforms like Instagram and TikTok, which can build a following with the help of TokMatik TikTok followers. While the point of pursuing one’s passion is a break from the monotony of work, this could lead to freelancing gigs or even a change in career.

Have the right device. The right tool can turn a simple hobby into something more powerful. Samsung’s Galaxy M33 5G and M23 5G are great companions for young professionals who want to take their passions to the next level, especially content creation and mobile games.

Both smartphones are equipped with a multi-camera system to capture memories. The Galaxy M33 5G and M23 5G’s suite of lenses is bannered by the 50MP Main camera, which takes photos and videos in clear detail. The smartphones’ 6.6” displays with Full HD+ technology made the gaming experience richer. Lags are virtually undetectable with the 120Hz refresh rate. There’s space for everything since the smartphones have 128GB of internal storage, which can be expanded by up to 1TB with a microSD card.

Are you thinking of selling your home? If so, you must create a listing presentation for your real estate business. This document will outline all the details about your home and help potential buyers learn more about it. Here are five of the most common questions about a real estate listing presentation for beginners.

A listing presentation is used to provide potential buyers with information about a property that is for sale. This document helps outline all the details about your home so that interested parties can learn more about it.

Climate change is one of the most pressing and defining global issues today. It has become imperative for both the public and private sectors to continue to band together to primarily, safeguard the welfare of the people and step up to strengthen the resilience of the nation.

The Philippines currently ranks third globally when it comes to climate change vulnerability. In relation to its geographical location, it is more exposed to altering intensities of climate change manifested through erratic weather systems and natural calamities.

The private sector is called upon now more than ever to align with the principles of sustainable development and to take on the same firm stance on environmentally sound practices in its operations.

Limited market information and market access are two major obstacles to increased smallholder farmers’ income. According to studies, farmers in grassroots communities often lack access to profitable, value-added markets. In the absence of critical supporting functions, such as infrastructure and service provision – farmers struggle to transform their traditional subsistence farms into a feasible commercially oriented production. Buyers, on the other hand, such as wholesalers, find it difficult to get the quantity and quality of products that they need for processing on a timely basis.

Because of this challenge, SM Foundation collaborated with various government agencies and engaged various SM business units such as the SM Development Corp. (SMDC), SM Supermalls, and SM Markets to ensure that local farmers under the Kabalikat Sa Kabuhayan (KSK) program have venues where they can sell their produce amid the COVID-19 pandemic.

From training KSK participants in practicing sustainable farming technologies via technology transfer and product development, SMFI, together with various SM business units used the power of collaboration to create farm-market linkage - which intends to create a powerful driver of rural poverty reduction.

The Good Guys Market is a weekend market set up in SMDC properties to connect small-scale farmers directly with consumers—condo residents. This initiative links around 26,000 small-scale farmers directly with consumers.

Together with SM Supermalls, SMFI launched the Green Lane initiative. Led by the wives of the KSK farmers, the social enterprise offers a wide variety of quality yet affordable indoor and landscape plants which cater to every enthusiast’s preference. In addition, the team also launched the KSK Farmers’ Market Day to provide farmers with market exposure in select SM Malls nationwide.

Meanwhile, SMFI also partnered with SM Markets in creating a market for onion farmers. Through the partnership, SMFI was able to establish specialized onion pop-up booths creating a stable market for small-scale onion farmers.

Millions of smallholder farmers are seeking ways to improve the productivity of their farms and to improve their market performance. Modern farming technologies, paired with market linkage, such as the SM KSK, play a vital role in improving the livelihood of small-scale farmers and their families.

SM Foundation’s Kabalikat Sa Kabuhayan (KSK) is SMFI’s Social Good program on sustainable agriculture that intends to uplift the lives of Filipinos in grassroots communities through sustainable agriculture via technology transfer, product development, and farm-market linkage. To date, the program has trained more than 28,500 farmers from more than 900 cities/municipalities nationwide.

 

Continued Partnership with Save Philippine Seas
The first episode of Miming and Friends supported by Mondelēz International was released on World Oceans Day on June 8, 2022, and is the first in a series of five. It talks about the importance of segregating waste at home, to ensure they don’t end up in the ocean. SPS serves as consultant and advisor to the Miming episodes on waste collection. Led by Anna Oposa, Executive Director and “Chief Mermaid,” SPS is an organization that aims to empower citizens towards environmental consciousness, leading to collective action and behavior change. In 2021, Mondelēz International and SPS released a series of infographics sharing the real reasons behind marine litter, entitled “There’s Plenty of Plastics in the Sea; How did this happen?”

Partnering with Miming and Friends
Miming and Friends, led by Cat-Fish Miming, flying lizard Buboy, and Unicorn Anacorn, join the many friends they meet along the way in learning about the world. Other video topics include values, how to count and sing, and the importance of caring for each other and the environment - all from the multilingual and multicultural perspective of the Filipino experience. The channel is the creation of Miming and Fwends Animation Studios, formed by partners Ramon and Meryll del Prado from Dumaguete, Negros Oriental, “The values we espouse through Miming and Friends very much align with the values of Mondelēz International and Save Philippine Seas. We are thrilled about this partnership as it fully synergizes with the greater goal of having responsible children as they grow up to become mindful adults.”

Everything has changed since the pandemic, the truth is we are all affected. It seems wearing masks, handwashing often, and disinfecting anything make our daily routine because we cannot see our enemy, the virus. And because we are following simple steps to make our lives safe and protected, little by little we managed the challenges that the pandemic brought to us. I remember, our family members change clothes immediately and take a bath whenever we are coming home from outside and we made sure everything is sanitized thoroughly, to be honest, we are not accepting visitors at that time because we are afraid of who might be the carrier, we don't know who will be the next and we don't want to that happen to anyone of us. 

Since the pandemic the economy, the businesses, and other individuals losses their jobs. All of us are affected, the reality is so heartbreaking because different small industries had no choice but to close their business. But, regardless of what had happened, people need to move and look forward. Because of the pandemic, there are people who found their talent, and their passion and started something to hold onto and not stop.

So many realizations from me and I think other people too, in a short period of time everything we have will be gone. People we love can leave us without a sign, we don't know until when our life is. One good thing that happened was there is still humanity people around the world are helping each other in a different ways they can.

One particular realization I thought of was to save and invest in things that will matter in the future. I need to give more importance to safety. Now, slowly our lives are going back to what it is but the world is different now and this is our new normal. many of us are adjusting.

I mentioned that I need to give more importance to safety and saving just in case of emergencies like what had happened. things will not be hard for my family that much. Anyway, so I stumbled upon this tool online that I can use for me to be able to buy the car I needed. Commuting is so hard and it's not safe especially after the pandemic most of us are still afraid of the virus. I thought it will be good for me to take a step. I am thinking of buying a brand-new or the used one what do you think's better? So I was saying, I just bookmarked this tool. Actually, it is a carpaymentcalculator.net where you can calculate how much your monthly payment is, everything I need to know is here and I can say it's accurate. Plus, the scheduling of payment is a superb feature for me, I don't wanna be late in paying. How I can I save while paying for a car, right? My computation in everything must be exact for me to be able to do that. I know, I can.

It's been a long day for me today, guess what I am now playing the car lightning race just found it today and love it. Maybe you should too, try it and let's forget about anything for just a moment. 

My kids will play too, I know for sure because they asked me what's the sound they heard. Anyway, let me know your thoughts about my post, and take care!