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!