Being a freelancer and a small biz owner, our cash flow is inconsistent, so during the “harvest season” or months of good accounts and projects, we made sure that building our “emergency fund or opportunity fund” is part of our budget.
But years ago, we also do not have an emergency fund until situations and life lessons taught us hardly to have one.
Summer, most families love this season. No school and more time with the kids, it is also a great time to have some family bonding activities. No wonder, almost every kid looks forward for this season of the year.
One of the ultimate dreams of every family is having a house to call their own.
My husband and I are very thankful that we chose to live a simple life in rural (Cavite) wherein home mortgage fee is low, and even the way of living is much affordable compared to city living, super sakto sa aming way of earning right now as freelancers and start-up family. Continue reading →
My husband and I have been through a lot of financial trials and lessons. And we promised ourselves that we will try our best not to forget the lessons we learned back from those season of huge financial stress – debts, piled up bills on due dates, savings drained, being scammed, unwise business decisions and a lot more..
One of our financial goals is to live within our means, so we can also honor God in managing our resources, stay out of debt and live a legacy of good financial stewardship to our son.
Mommies, when do you usually shop for your little one’s items? do you have a habit of checking his milestones and look for items that suits his or her current stage? or do you also do an inventory of your child’s baby essentials regularly?
I usually make a list of Zee’s items to remind me of the things we need to replenish, but when “momnesia” strikes, there were days like “hala, wala na palang diaper and wipes?!” (hehe!)