Thankful 2017 and 2018 Goals!

Its my first personal blog post for year 2018. 2017 has been a good year for me and my family. Of course, problems come and go but that is life. I habe more reason to be  thankful of to our Almighty God especially for answering my prayer about the health of my mother. She was diagnosed  with kidney stone early last year. For some reason she opt not to undergo operation but instead take some medication at the same time drinking herbal medicine and young coconut juice. Before Christmas she complained of difficulty on peeing and she is also in pain. We did not bring her to hospital hoing she will be fine in no time. But we were wrong, a day after Christmas Nanay can not bear the pain any more so we opt to bring her to the hospital to have the operation. But the CT Scan result turns negative. The doctor believed Nanay peed the stone. The reason why she experienced difficulty in peeing. Truly, nothing is impossible when it comes to Him. You just have to trust and have faith in him.


Anyway, for 2018 I seriously want to be healthier.

Photo not mine

I saw this quote a while ago. And I believe its not too late to be healthy. For few years I have been trying to lose few kilos but no avail probably because I am not really serious and motivated to reach my ideal weight. Hence, I am not getting younger I figured I should start watching my health. Before the end of 2017 I started going to gym and start my diet. So far I already lose few kilos and I hope more kilos to lose in the next coming months.

Apart from being healthy I and my son want to try the saving challenge that we saw online. Its our first time so I am hoping for the best.

When You Need Time To Heal – How To Cope Financially After An Injury

Life is full of surprises, but sometimes they can be quite unpleasant. Illness and injuries that occur can leave you in pain and in need of a lot of rest. This is almost impossible when you have children to care for. When you’re a lone parent, it makes it extra tough. After all, none of us likes having to ask for extra help from friends and family. But this can be the only way to make sure you can get back to full strength as quickly as possible.

Of course, all of this is much easier when you have a permanent form of employment with a reputable employer. You might start with a few days of sick leave on full pay. Then you can begin to take advantage of any sickness benefit they might offer. Perhaps taking your annual leave will keep the cash rolling in? Most importantly, all your other benefits such as your pension and entitlements will continue to be there.

Kids get injured all the time and manage to bounce back. It’s not so easy for adults. So what happens when, like many moms, you can’t continue working for yourself for a while? We all know when we’re self-employed that no working means no money is coming in. It’s impossible to cover the rent, the electric or even the food bill without that important income. What can you do?

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This image provided by Flickr

Start by taking copies of all your medical documentation. This could include medical notes from your doctor and claims or invoices from your health care provider. Was the injury you’ve sustained caused by someone else’s negligence? You could consider making a claim against them to cover these expenses. And if your work files and returns are in order, your loss of earnings may also be claimed. Websites like will explain how this works, but it is important to start early as it can take a while.

If you are self-employed, or even if you’re not, it can be a good idea to put a sum away in a savings or insurance scheme to cover situations like this. You can then cover the bills you currently owe. Once they’re clear, you may need to adjust your lifestyle to live more frugally for a while. It’s not fair that you have to do this, but sometimes it is the only way to survive financially. The last thing you need is debt that you can’t pay in time.

Are you able to tackle any of your usual work duties while you are recuperating? Perhaps you can work from home for a few weeks? This keeps you on full pay and could help a lot with your mental and emotional well-being too. If you can’t perform your regular duties, perhaps your employer can provide lighter duties so you don’t miss out on your wage? If you’re stuck at home, why not try to pick up some work from home jobs for a while?

Injuries happen when we least expect it. But if you can prepare for it by having savings or insurance in place, you will be better able to cope with the financial pressures. Don’t be afraid to ask for help with the kids and even your cleaning. After all, that’s what friends and family would offer to do for you anyway. Get well soon.

Remaining Calm While Handling Financial Stress!

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Image Source from staticflickr

Dealing with debt and money troubles is a part of most people’s lives. It can overwhelm your life and become a bigger problem if you allow it, so taking control and acting practically is a must. It’s important that financial problems aren’t ignored, as they can easily become a larger problem if forgotten about.

Money worries need to managed carefully, and always seek professional advice as soon as possible. They can cause great stress and sometimes depression, so dealing with the emotional and mental side is also vital. Here are a few tips to deal with these problems as they arise, and to look after your mental health.

1. Get Help As Soon As Possible
Speak to your bank or look into debt consolidation loans; no matter what problems you have, there will be someone who can help. The key is not to remain in denial, and act as quickly as possible. Debts can swiftly mount up and become a bigger problem if left, as interest rates and charges rack up. Burying your head in the sand may seem tempting, but you will regret it in the long run. Speak to an expert and set up a plan to help you sooner rather than later.

2. Look At The Bigger Picture
Struggling with money problems may seem detrimental to your happiness, but it’s important to try to look past it. There is more to life than money and materialistic goods, so look around at the other things in your life that make it special. Take time to appreciate your friends and loved ones, and appreciate your home and the beauty around you.

3. Stay Positive And Happy
Just because you are struggling with debt, you still have the right to be happy. Make time for the passions and interests in your life, but make sure they are not costing you anything. Take books out at the library rather than buying new ones, and watch local bands in bars rather than buying expensive gig tickets. Keeping a positive outlook on life is crucial when dealing with big problems, as this will keep you going when it gets difficult.

4. Stick To A Budget
When suffering money problems, you need to look back at what you’ve done to get yourself into the situation. Something has gone wrong down the line, whether it was daily over spending or an investment opportunity gone wrong. The best way to avoid this in the future is to be aware of everything penny that is spent. Set yourself a monthly budget and stick to it. Go through your bank statement each month, and calculate how much you spend on each part of your life. You may be surprised at how much goes on petrol costs of luxury items, so focus on cutting back on these. Be practical in your budgeting, and take everything into consideration.

5. Look After Your Physical Health
There is nothing more important than your health, so don’t let this become neglected when dealing with financial stress. Try to eat as healthily as possible, get a full night’s sleep, and exercise regularly. It is absolutely possible to live a healthy lifestyle on a budget, it is just about making the right choices.