Saturday, February 11, 2023

Calculating what I need to save for emergencies, college, and retirement!

We're done with homeschooling this 2023. We had to choose homeschooling during the pandemic but now that the boys are vaccinated and the world seems safer (fingers crossed!), we're going to send all of them to a brick-and-mortar school again. Meet new people, learn different world views, learn to navigate society. It's very exciting!

Of course, homeschooling is much more affordable than school-school. That's why I went back to the corporate world so we can pay the tuition and save money for college.


I've been doing a ton of calculations recently because a good education in the Philippines is so expensive. 

Well, it doesn't have to be. I'm proud to say that half of my education was spent in public schools (thank you, Filipino taxpayer!). And I just want to put this out there: many people I know who studied in exclusive private schools have atrocious grammar. My fellow public school classmates? Never made a grammar mistake. It's not the school. It's the student. I'll leave it at that.

So why am I intent on giving my kids a private school education? For the connections? The prestige? The hope that going to an international school will give them a foot in the door to a life out of here? Sigh. I'm still figuring it out. 

Anyway, I've been playing around with these tools on SavingsCalculator.org. They have a calculator for savings goals, college savings, and retirement planning. You can change the currency. The site says that the calculation for figuring compound savings is the same almost everywhere, especially as their calculators allow different compounding frequencies. 

So I tried them out. They look like this:


I want to save 500K just for, well, nothing. I just want it there. For emergencies like medical (I had to have surgery last year, remember?) or deaths (both my parents' deaths were a surprise expense). The saving goals calculator says I need to set aside just 8K a month. Doable!


Hehe sorry, this college calculator is empty. I can't show you my figures! But I also realized I didn't have enough information like the annual school costs inflation rate and the tuition fees of the colleges I hope my kids will go to. Well, I want my kids to go to just my alma mater, UP Diliman. And since it's a state university, it's very cheap! 

We actually have insurance policies for their education. So college is pretty much in the bag! 


We're also already setting aside money for retirement via insurance policies. But I still wanted to try out their retirement calculator. I made a mistake and wrote 3% as our inflation rate. But actually, it's...
Good luck, Pilipinas!!!

Anyway, if you're in the mood for figuring out the future, check out https://www.savingscalculator.org! It's helped sober me up haha Boy, I should stop buying books and ordering food! There's a lot of money we need to save!
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Friday, February 10, 2023

Frances Finds: A game on managing a grocery store!

I've been using our grocery trips as part of our homeschool lesson. It's math, home economics, social studies, and health! Plus, I think they're old enough to learn how to feed themselves. And they should know about the prices of the food they eat and so they'll not waste food. So to make it more fun, we've made grocery shopping a game! Like I'd tell them "Here's your budget. You have 30 minutes. Go!" They love it!

With all the skyrocketing prices on just about everything, however, let me tell ya that it's not been fun to go grocery shopping lately. Having to see my kids' faces when they go, "These cookies are more expensive than those cookies if you compare them by weight!" is just sad. But it's also gratifying when they go, "Let's buy this brand of fresh milk, Mama. They all taste the same anyway!"

Teaching kids about life. What an experience!


So when my boys saw me playing a game called Tap Supermarket, they were intrigued. "Are you doing the groceries, Mama?"

"Nope. I'm managing the supermarket!"

And that's how my boys took over my game and learned about supply and demand, customer service, replenishing stocks, making money, and figuring out what to do with that money! 

Check it out:


So this is basically what it looks like. You have a supermarket and you have 1K and half the store stocked to start.


It's super simple. You need to make sure the shelves are stocked well and the lines at the cashier moving. But it may be simple but it gets really complicated!


You have lots of customers coming in, they're emptying your shelves, demand for new products is going up, and you're understaffed --- ahhhhh!!!

My kids LOVE it! 

Depending on your attitude, it's either so exciting or stressful haha

 
There are lots of other games on this online games site if Tap Supermarket proves to be too exciting for you. It's a money and finance site and they use fun games to make money and finance more fun and not so intimidating. I was quite impressed with my kids' mental math skills!

Here are a couple more games we like to play:

LEGO City Adventures Build & Protect teaches the kids about running a city by collecting taxes! They don't understand why we need to pay taxes and I always say, "Well, the streetlights need electricity, the roads need to be maintained, the garbage needs to be collected. We pay for those with our taxes." This game illustrates that practicality well.


Mahjong Solitaire is a great memory and matching game. Plus, the mahjong tiles show famous landmarks all over the world, like the Eiffel Tower, the Hollywood sign, Mt Fuji, Merlion, Stonehenge... and I'm ashamed to admit I don't recognize the others!!! 


Anyway, if you aren't doing anything this weekend or you'd like your kids to play online games that will teach them about math and money, check out https://www.mortgagecalculator.org/money-games! Happy weekend of fun and learning, mamas! 

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Thursday, February 09, 2023

I'm back!


Hello everybody! I'm back. That's the longest I've not blogged, I think. So let me tell you what's been happening. 

Today marks my one month at my new job! I'm not announcing my job yet because I'm still on probationary status haha so I'll do a job reveal the second I get regularized. 

My job is very busy. Lots of writing! But I breathe writing so no biggie. Lots of meetings! Which badly drains introvert me. But since everyone is so nice, it's okay.

My biggest adjustment is working in a cold office. Yeah, surprisingly, I adjusted quickly to not being with my sons because the first three days of me at work saw me crying and saying I miss them. But my kids, bless their hearts, they said they don't miss me and, well, I suddenly didn't miss them that much, either 😅 Joking aside, I think they do miss me. They just didn't want to see me crying and so they did me some tough love. Those boys.

Anyway, I had asked HR at my initial online interview if the office is cold because that's, like, my dealbreaker. Cold pala is relative because she said it's not cold at all but here I am, freezing every day. But one month in and I'm better. I've decided to not be stylish and just bury myself in ugly but warm clothes. Plus, I commute. I go against the flow so it's an easy and super-fast commute, but ugly sneakers is the way to go. So no office OOTDs then!

I've also adjusted to my big neon, lime-green desk. I toned it down with a lot of industrial black and livened it up with a few touches of pink and a plant I named Chantelle. And since my youngest boy said he loves that shade of green, he helped me choose my desk stuff and so more of that green! I haven't put up photos of my husband and kids yet. Because seeing their beautiful faces makes me miss them and I don't want that.

The plan is to stay in this job till I retire - 14 years from now! Of course, plans change. I planned to be a magazine editor-in-chief till I die and look at what happened to that. Well, one month into this job and I'm optimistic. So let's see where this goes! 

I work in corporate communications. It's a big local company. We help Pinoys, Filipinas especially. I cry every time I watch videos of the women whose lives the company has changed ❤️

The team is cool. So capable. And hardworking. And terribly young. Today I told one of them when she was talking about her dad, "Gosh, I just realized I'm almost as old as your dad. You're young enough to be my kid." 

My husband told me to embrace being their mommy figure. So I will. I guess that says it all. I'm matronly 🥰

And yet, look at little old lady me. I have a new job. When you're 46, it's not easy to go job-hunting. It's so disheartening really, all the rejections. Then this came along because a former colleague referred me and now I'm doing what I do best and still learning more. My learning curve is slow in this industry that's so different from all my previous jobs. I'm always asking for explanations and clarifications (corporate lingo is a foreign language!). But everyone's been so patient because they know I've not worked for a corporation for a decade.

I didn't think I would get this job, to be honest. Those 10 years of being unemployed kept being mentioned during my interviews. I explained I wasn't jobless. I was working hard all that decade as a blogger, writer, editor, PR consultant, etc etc. I've never worked so hard in my life, these past 10 years. Then pregnant, breastfeeding, taking care of little ones pa! With no household help!!!

And that's why I went back to corporate. I got tired of the hustle. The endless prospecting. The chasing of checks. The working alone. 

The last 10 years was amazing. Best decade of my life! I learned a great many things and achieved what I never thought I would. 

Business owner. 

Influencer. 

Speaker. 

Newspaper columnist. 

Book editor. 

Co-founder. 

A frikkin' author!!! 

I still plan on continuing all I've done. I'm in the middle of writing a novel and a book of short stories. Yes, two books! We have big plans for Lean In Manila (yes, we'll be back with that, too!). I quietly started a Facebook group called Masayang Menopause. I'm now a bookstagrammer. And I'm also cooking up some stuff that's so exciting! 

So, yes, the last decade as a hustler will still continue but at a more relaxed pace now that I have a regular income. I can now focus on my passions! Oh, 2013 to 2022 was the best fun. But I'm old haha. I want to relax... by going back to being an employee in an industry I've never been in! What?! 

Life is full of surprises. 

I'm grateful. I've lived many lives. Here's to a new one!

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Wednesday, December 14, 2022

I blame just one person for all this melodrama

As per the last time I blogged about these people, their names are not mentioned so this won't appear on Google search. The photos should tell you who they are but I won't write their names, okay. Why? Because fans of the older brother and his wife leave abusive messages and threats. I'm not even the younger brother and his wife and I experienced a tiny bit of the vitriol they get every day. I can't imagine being them. 


Have you watched this docuseries on Netflix? You should! The first chapter (3 episodes) is so romantic and nakakakilig. Watch!

But I'm a storyteller. I know what they're doing. They're softening us up because this week's chapter is going to be hard-hitting, explosive, shocking... all the adjectives you see on tabloids! Exciting!
 

But let's get serious. Let me tell you something that's been bothering me ever since the start of this whole circus. But no one has actually commented on it.

But first, I want to establish I'm firmly on Team MM. Not even Team H&M. Just Team MM.

Everyone's mad at MM, assigning her the Angry Black Woman trope. But it's PH who has an axe to grind. PH is the one angry, the one hurting, the one whose mother was killed, the one who had no special protection deal with the press, the one with the explosive secrets, the one publicly struggling with mental health issues, the one who has been hounded by tabloids for almost 40 years, the one whose wife was bullied relentlessly by the press and countless men and women all over the world. He has every right to be angry.

MM? Why would she be angry? She said herself she had a happy childhood, that even though her parents were divorced, her mom and dad doted on her, that she was a daddy's girl. She studied in an exclusive girls school, had a good acting career, was busy with her humanitarian causes, has tons of friends who adore her, had a lifestyle website that made good money, and was never in any scandal. Her haters say they never heard of her. That's easily explained - only the scandalous ones are talked about. The good girls in Hollywood are boring. And MM is a good girl. So good that even when the tabloids offered money to her castmates to say they slept with her, they said no. 

MM's life was PERFECT. Then PH came along and she lost her sweet career, her beloved website, her relationship with her dad, her squeaky-clean reputation, and her peace of mind!!! 

The third date was camping with no bathroom, shower, or toilet anywhere. MM, you should've run away! 😂

She's so unused to bad things happening that she had suicidal thoughts when things got tough. She didn't know what to do. Her life was the most negatively affected by this romance, not PH's. Because PH's life has always been hell. His parents had their affairs all over the tabloids, his former family treated his brother better, his parents had an ugly divorce, his mother was killed, he had to comfort a grieving country when he was just 12, then his father married the woman who tormented his mother, his normal teenage adventures of parties/girls/alcohol were gossip fodder of an entire nation (possibly the world), and his girlfriends were hounded by the paparazzi and eventually chased away. 

PH has always hated his life. He repeatedly said in interviews when he was young: "I don't have photos of my family here in the army unlike the other soldiers; I don't want to live in the UK, I want to live in Africa; I'm angry at the tabloids, etc." 

PH is angry and he's not going to shut up until his anger is spent.

And yet we all blame the woman! It's always the woman's fault even though she hardly has said anything. It's PH who's always dropping the bombshells about his original family. But, of course, who do we blame? The woman. The way we blame rape victims, sexual harassment victims, or when a man cheats, kasalanan ng babae kasi nagkulang siya. 

Bakit laging babae may kasalanan? Wala bang sariling pag-iisip yung lalaki? Hindi ba siya marunong mag-sariling desisyon? Why do we treat PH like he's this innocent young boy? He was frikkin' 32 years old when he met MM! 

It's misogyny that we blame MM. Because why blame her when it's PH who rushed her to marry, who didn't prepare her for the role, who didn't protect her from his family and the courtiers, who revealed the (not so) shocking tidbit about a racist family member? MM never even heard that skin-color comment herself and PH should never have told her. She was already mentally fragile tapos gagatungan pa ni PH???

I've always blamed PH for all this shit. Buti na lang mahal siya ng asawa niya. Kung ako si MM, walk out ako agad. The hate is never worth it, kahit sinong Prince Charming pa siya.


Anyway, all that said, I'm glad PH is now making it up to MM. He took her and their kids out of that toxic environment. He looks like he's completely besotted with her. He's a happy daddy. He's working hard to be financially independent (unlike the RF that still depends on the taxpayer to pay for their palaces, designer gowns, helicopter rides, etc). And though it's distasteful, he's defending his decisions (yes, HIS decisions!) even if it puts his former family in a bad light.

Ya know, if my father also had a torrid affair, caused my mother torment, divorced her and stripped her of protection which eventually had a hand in causing her death, I'd hate him, too. If anyone goes after my husband, maybe I'll stand back muna kasi he's an adult but if foul na, I'd defend him tooth and nail, too. 

But if anyone dares go after my children, I'd be out for blood. No one touches my kids. And the abuse the kids of H&M get from the tabloids and the rest of this evil world??? I don't care if anyone will call me inelegant, classless, walang modo sa reactions ko. Nanay ako. Come after my kids and I will do everything to destroy you.


I'm sure any good parent will understand. And that's why I'm Team MM. And maybe Team PH... Nope. I still haven't forgiven him for finding a perfectly happy-on-her-own woman and then changing her life for the worse.

Then again, there's this viral Tiktok that jokes that that's what men do. But of course, it's the woman's fault for letting him, right? 🙄😠



UPDATE: Finally watched Vol 2 and I was right!!! 




P.S. The most asked question sa akin about H&M is, "Bakit dami nilang kwento eh diba they wanted privacy?" They NEVER said that. Whenever people ask me that, I judge them severely: "Aha, you're one of those people who only read the tabloid headlines, don't click to read the full article, and don't confirm your sources."

Here's what they said in 2020, with my edits and notes in italics: 
After many months of reflection and internal discussions, we have chosen to make a transition this year in starting to carve out a progressive new role within this institution [within daw, sa loob, hindi sa labas!].

We intend to step back [step back, not step away] as ‘senior’ members of the RF and work to become financially independent, while continuing to fully support HM The Q [as in they won't stop their public royal duties but W didn't allow this at the Sandringham Summit].

It is with your encouragement, particularly over the last few years, that we feel prepared to make this adjustment.

We now plan to balance our time between the United Kingdom and North America, continuing to honour our duty to The Q, the Commonwealth, and our patronages [again, their original plan was to still work as public royals].

This geographic balance will enable us to raise our son with an appreciation for the royal tradition into which he was born, while also providing our family with the space to focus on the next chapter, including the launch of our new charitable entity [space daw, not privacy].

We look forward to sharing the full details of this exciting next step in due course, as we continue to collaborate with HM The Q, The PofW, The DoC and all relevant parties [collaborate daw, but this wasn't allowed].

Until then, please accept our deepest thanks for your continued support.
Reading comprehension matters!

And because people keep screaming "Privacy!", their global press secretary, A.H., accused the British tabloids of inventing this lie and last week told The New York Times: 
[H&M's] statement announcing their decision to step back mentions nothing of privacy and reiterates their desire to continue their roles and public duties. Any suggestion otherwise speaks to a key point of this series. They are choosing to share their story, on their terms, and yet the tabloid media has created an entirely untrue narrative that permeates press coverage and public opinion. The facts are right in front of them.
So there's my answer to that "we want our privacy" lie. 

P.P.S. Am I against W&K? Ya know, all I'll say again is I'm Team K. Why do I support K? Because MM said on their O interview, "K is a good person." 

That means that K didn't treat her badly. As for W... That's a post for another day!
He's a senior journalist who had to delete this Tweet because someone from the Palace threatened him, which means the RF actually does have a say on what's published about them. It's not true they maintain a "dignified silence."

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Sunday, December 11, 2022

My favorite Lazada finds (plus: a peek at my cart!)

Last huge sale of Lazada tonight at midnight and tomorrow kasi 12.12 na! Hindi 'to sponsored post (I wish!) but I'm on the shopping site right now, adding stuff to cart like crazy. 

So, andito na rin lang ako - and bet ko kayo rin hehe - share ko what my favorite Lazada finds are. Sorry, no actual pictures of the products I have. This post is kinda spontaneous kasi. If you like, leave a comment if you want me to do a review of a specific item. Basta lahat ng fave finds ko, I really bought and I recommend as great gifts for yourself or your loved ones. 

Here they are!

EMS Sports Sets (sports bra and high waist shorts) for yoga, running, fitness for women

I bought a lot of colors because for only P220 a set, okay siya! Very stretchy and yet I feel na contained lahat ng flabs ko. Love the wide waistband. It doesn't roll down kahit malaki tummy! Very comfortable! Sulit sobra lalo na kung araw-araw ang exercise niyo. Buy one set for every day!

My one dislike: Yung light-colored sets, wag niyo bilhin kasi kita kaluluwa niyo. As in. Kaloka, parang hubadera ako. But the dark colors (black, navy blue, forest green), yan, buy those.


Papemelroti Philippine folded hand fan

Okay, so I bought two of these fans (that black one sa picture and the pink jeep one) because I'm perimenopausal and I am overheating like crazy. Even if I'm in a room na naka-aircon, init na init pa rin ako so lagi akong may dalang pamaypay. To avoid looking like a donya, I got these kasi cute ng designs nila, hindi pang-matanda. And patriotic. And sobrang good gift idea this Christmas! 


Golden bamboo handle barber scissors set

Mine are actually silver, not gold, but out of stock na the set I bought so I'm featuring this golden one. If you follow me on social media, you'd know I learned to cut hair during quarantine. No choice! After endless YouTube video tutorials, I got brave enough to try it and I've been cutting my hair and the hair of my husband and sons for the last 2 years. #proud #achievementunlocked #supermama #levelupskills

Try it! Laking tipid. Hindi pwede ang basta-basta na scissors. Kailangan barber's scissors talaga. And I highly recommend this set. 



Oh, I left a review for this purchase on the listing so I'll just copy and paste my photo and review:

I love how the serum pads soothed my skin, which was inflamed by maskne. I even used the pads all over my body (after I used them on my face, there was still so much product left). And my skin felt so hydrated. 

The stretchmark cream is thick and creamy but easily absorbed. Not too sticky and very moisturising. I don't know if it works yet since I just started, but I like it so far. I'll do a review on the blog soon!



This is soooo nice! Lakas maka-shala ng phone case na ito. I swear, every one who has seen it comments na napaka-yaman ng dating niya and I always trill, "Mura lang yan!" Best of all, di na nahuhulog sa mukha ko yung phone ko dahil may bracelet sa likod. 

Yun ang pros. Yung con? Kailangan naka-manicure ako para bagay kamay ko sa kanya haha 



I just did a review of this! Click here: OMOGS Women's Probiotic supplement for weight loss?! 

A lot of people bought this and emailed me how happy they are with the results. This is possibly my favorite find of 2022!


This is another great find for my health. I've been feeling exhausted and yet sleepless for a couple of years now. One of the changes I made was to take a daily supplement. I chose Kirkland Daily Multi kasi kumpleto talaga siya. As in lahat-lahat-lahat! After a few weeks of taking this, I didn't feel so tired anymore (must be the iron), my skin improved (biotin, Vitamin B complex, Vitamin C and E), and I just felt healthier and stronger.  


LifeFood EstroG-100 (oh, this was gifted!)

I love this drink! It did so much for my sex life!!! Yes, since we're all friends here, we can talk about how perimenopause makes women dry up down there. Which makes sex uncomfortable, diba. Yes, even if you use KY, dropping estrogen levels makes women lose interest in sex anyway. Then there are the hot flashes, the anxiety, the insomnia... What fresh hell. Ang hirap maging babae!!!

LifeFood EstroG-100 acts like phytoestrogen. So aside from my perimenopause symptoms easing, I also found myself suddenly super interested in sex again! And dry vagina? What's that??? Thing of the past. This drink has saved my marriage! Try it!!!   


Prisoners of Geography by Tim Marshall

This is such a good book! It's just maps but explained so well that I had a vast new appreciation and understanding of culture, why countries behaved in certain ways (in war and peace), and why we should worry or not worry about certain countries invading others. It doesn't read like a textbook at all. Very friendly and conversational. I just wish the maps were in color!

So there it is! My list of my favorite Lazada finds this year! Highly recommended. Just click the product names for the affiliate links to buy!

And in case you want to buy stuff for me (hehehe), here's a sneak peek at just six things that are in my cart (I have 138!):

SHOES!


This is actually a rip-off of Meghan Markle's favorite Aquazurra heels. I can't afford the original but I super am obsessed to own this pair!


Because it's a classic. This comes in seven colors and I want them all!


DRESSES!


Because I like classic styles and polka dots.



I actually have a similar dress that my Mama had in the '70s. It holds good memories for me and Vince (I was wearing it the week we fell in love). I still have it but it's very fragile now so when I saw this, I have to have it.


BOOKS!

I want to read about how Roxane Gay's reshaping her feminist views. I can totally relate because I was raised in a toxic masculine/toxic feminine household and so I know I have very traditional views in here somewhere. Becoming feminist is the greatest thing to happen to me, but I realize that it's an evolving process. I have to arrest thoughts from my upbringing and mindfully change them. I think this book will help me!  


I have heard so much about this book but I've never read it! It's all about the Wild Woman - the woman who is passionate, instinctive, creative, wise, and courageous. Basically, all girls are born wild but society tames us ruthlessly so that we become meek and silent. My gulay. Uso pa ba yan??? This book is all about reminding women to claim back their power, to not be ashamed of their passion and love, to trust their instincts and innate wisdom, and to be proud to be women! 

Gosh, just writing that gave me goosebumps (or horripilation - did you know that's the technical term? It sounds horrible haha). I have to read this book! 

Anyway, shopping starts at midnight! What's in your cart???
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Sunday, December 04, 2022

Ang mahal na ng gulay grabe! Plus, 5 tipid tips

Well, doing the grocery is crazy these days. This is half a cabbage head for P95 and it's the size of my hand.


I have small hands. So that's not a lot of cabbage for that price.

Here are 4 small onions that fit in my hand. These cost almost P80. The secret of my delicious meals pa naman is lots of onion and garlic! They add that umami taste without the need for MSG. But now, kailangan i-ration ang bawang at sibuyas. 


I understand that the world is going into a recession so life is going to get harder, if it isn't already. This year's been financially tough on us because of my medical situation a few months ago. But I'm not going to lose hope. I'm just going to keep looking for a better and more stable job. Wish me luck!

Yeah, being an entrepreneur in these times is not working out for me anymore, unlike in 2012-2017, when the economy was so strong and the country had huge money reserves under the Aquino administration that buoyed us up even when we had a change of government. But now we're drowning in debt again and will continue to be dragged down into the depths if the Maharlika Wealth Fund (MWF) gets approved. 

The MWF is not a new concept. Many countries have also set up a sovereign wealth fund (SWF). It's a great way to preserve the transfer of a nation's wealth from one generation to the next and to stabilize macroeconomics. But the MWF bill is frighteningly not the same. According to Businessworld, here's just one reason of many: 



Grabe, hindi pa nga resolved ang PhilHealth P15-billion corruption scandal under the Duterte administration, may nahanap na namang pagkakataon ang bagong gobyerno na nakawan tayo, this time using the pension funds, among others. Sana kilatisin talaga ng Senado ang bill na yan. But with pressure from the president himself, the bill speedily approved by Congress may be a law by next week.  

Scary. Even the president's sister said it's a bad idea.

But I'm going to trust our Senate will do a good job! Pray for them please.

Anyway, today I'll share how I cook our meals with tipid tips I learned growing up in a 10-member household that had a P100 daily budget. Syempre, this was decades ago! And yes, that was my job - feed 10 people for just P100 a day. Here are a few tips:


1. Cut your veggies finely. Not naman minced, mga tiny cubes lang. Same with meat. More mileage yan hehe

2. Cut off the fat from your pork and fry that first. And that's now your cooking oil! May instant homemade chicharon ka pa after!

3. Make masabaw na ulam. Tinola, nilaga, sinigang, ganyan. Soups go a looooong way.

4. Buy canned and frozen vegetables! Mas mura. Don't be afraid of canned and frozen produce. They are processed immediately after harvest so their goodness is preserved. And you don't have to worry about your fresh veggies rotting in case you were too busy to cook.

5. In case you do have veggies that are wilting in the ref, gawin mong vegetable soup. I like roasting them and then blitzing in the blender with chicken stock. Or just roast them and meron ka nang delicious side dish! Pwede mo rin gawing atsara. 


And here's my tomato soup recipe. But replace the canned tomatoes with fresh tomatoes roasted in the oven for 15 minutes. 

Sigh.

I'm tired of having grit and being resilient. Yes, it's an amazing quality to have. I want my kids to have these. But they also mean that life is so hard and we've had to bear it and do what we can to survive. But, honestly, in our country, life doesn't have to be hard all the time. Look at how Pasig and Iloilo are doing so well - proof that when a city is free of corruption and is transparent and accountable (no to confidential and intel funds!), the people benefit so much.  

Let's not be resilient anymore. Let's demand accountability, transparency, honesty. Let's demand that all of our taxes work for us and us alone. Let's demand that the government we elected be true public SERVANTS, serving us instead of themselves. Grabe, Pilipinas, ilang dekada na tayong ganito. Mangarap naman tayo at gumawa ng totoong pagbabago. Kakasawa na. Kakasuka na.

Good luck to us all. Don't worry about me, by the way! We're still fine. I'm just trying to be more frugal these days. Buti na lang we have family and wise investments that helped us. Still, I'm in the middle of a job search because we would like very much to be able to breathe a little. Pray for me! 

Pray for us all.  
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