Saturday, July 06, 2024

Life lately

This post is dedicated to dear Loyal Reader Camella, who wrote me: "Thanks for your blog about how your 2023 was. You're so brave to share how difficult it was. I'm also going through a lot and my mental health is suffering so seeing you on the other side of this darkness is inspiring me that things really will get better. My question is how is your 2024? Are you really better?"

Hi Camella, yes, this year is definitely much better in every single way. Thank you for asking! Let's list down what's improved:

  • I've adjusted to work and I'm doing great on the job and with my co-workers. 
  • My family and I have adapted to our new schedule that revolves around work and school, although I wish we could find more time to clean up the house, exercise, and go have fun - but we're exhausted kapag weekends! 
  • I've lost 10 lbs. so from 144, I'm now down to 134 but I should be around 125 so 10 more lbs to go!
  • I'm managing my asthma and my cholesterol levels okay.
  • Mental health is waaaaaay better. No more anxiety and depression, although perimenopause symptoms of palpitations, nervousness, brain fog, painful joints, hot flashes, et al are still plaguing me. But I'm riding them, not fighting them anymore.     
With everything better, life lately has been more relaxed and stress-free for me. I'm still busy and so tired, but I now have mental space to appreciate the good things in my life. Like family and friends. I've started seeing wonderful people again! And it's always good to have relationships. I don't feel so isolated. Let me share a few photos!

This is Martine and Jean. I haven't seen Marts (in pink) since way before the pandemic so it was so nice to see her again, happy, healthy, thriving. I know a lot of you followed her when she and I were mommy bloggers so let me tell you she's in a good place.

Jean (with our other friend Dix) is my fellow royal watcher and we obsess over William and Kate, Charles and Camilla, and Harry and Meghan. We also scrutinize politics and religion, high society, and celebrities. Jean and Dix are very intelligent people, but then all my friends are. I have my business friends, my faith friends, my writer friends... I make sure I surround myself with people who fascinate me. What makes Jean and Dix special is they're the only ones I can gossip with! I knoooow. Gossip is for simple minds supposedly, but gossiping with them is so stimulating because there's always an insight into humanity and its goodness and cruelty. We don't always agree with each other but it's okay. I always feel safe with them.


Here's a table of lawyers, a judge, professors, and writers! This was a special dinner at Jude and Karen's home. Discussions about the government, books, pen collections, writing, and more. But we're all old so we left while the night was still young.


I've really been going out with friends this year. I saw my old friend, Kate. You''d know her as the fashion designer, but now she's pursuing her real love, music. And she's become an award-winning writer! So proud of Kate!


Here's a table of creatives! This is the Communications and Advertising Division of Personal Collection, where I work. They're funny and sweet and just really nice! And efficient. I like working with them a lot.


And here's my family! The Amper family side. With Ding Dong Dantes haha. This was a dinner celebrating birthdays and graduation/moving up, and just being alive and healthy. I enjoyed it a lot. I'm so glad I have my brother and sister. 

Oh, if you have an upcoming event and would like to have good music, book The Manila String Machine!

I'm not always out, by the way. But I do try to carve time out of my schedule to see people at least once a month. Touch base, catch up, unwind. Otherwise, I'll just be caught up in the drudgery of cooking, cleaning, and chores.


This year is all about self-care. Last year, I was so depressed that it took so much willpower to shower. So now I make it a point to care for my body because when my body looks and feels good, my mind feels not so bad anymore. So I also try to set aside time and money for the salon or for little gifts for myself like perfume and books.


I have read so many books, by the way! That has also helped my mental health. Just getting lost in other people's stories distracts my mind. That's my next blog post - I'm publishing it tomorrow!

I should be writing my novel, though. I started it June 2022. Two years later and I'm still stuck at 25,000 words. And I've changed my mind on the plot, too! I'm still writing it - not with words, sure, but it consumes my imagination all the time. So I hope I can finally take them out of my imagination and down on paper! 

Oh, and as a writer, I have a bit of good news. 

So yes, I am feeling so much better! If in 2023, my mantra was survive, in 2024, it's thrive! This year is so good to me. I'm very happy. Thank you so much for asking, Camella. Now I wrote about it and now I'll always have this post to remind me of such a delightful time. 
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Friday, July 05, 2024

5 Important Money Tips for First-Time Job Seekers

Your first job will be a significant milestone and will mark the beginning of an important new phase in your life. But amidst the thrill of earning their own income, many first jobbers get overwhelmed with the prospect of managing their funds for the first time. You yourself may be unsure of how to manage your salary effectively, especially if you haven’t had prior experience budgeting for monthly expenses or dealing with financial obligations such as rent, bills, and loan repayments. Moreover, the allure of newfound financial freedom inevitably brings about the temptation to overspend or to make impulse purchases, which in turn makes it all the more challenging for you to stay within budget and prioritize your savings.

As a new income earner, it’s important to know what to do with your salary and how to set a precedent for good financial habits down the line. Without proper guidance, you may fall into the most common pitfalls that will hinder a new professional’s financial progress. The key to building a strong financial foundation for yourself and achieving your long-term financial goals lies in learning how to handle your income responsibly. You’ll want to avoid costly financial mistakes early on and set yourself up for a brighter financial future as you climb up the professional ladder.


To help you navigate the complexities of personal finance and make the smartest decisions about your hard-earned money, here are some important money tips to consider.

1) Open a Savings Account

One of your first steps towards financial stability should be to open your own savings account. This should be your designated place to store your savings, and it should allow you to build a financial cushion for your future needs.

When choosing a bank and account type, consider factors such as interest rates, fees, accessibility, and additional features like online banking and mobile app access. Your search for the ideal savings account product doesn’t have to stop with traditional banks; why not open an account with Maya, the top digital bank in the Philippines? You’ll be able to enjoy competitive interest rates up to 15% p.a. and a zero maintenance balance to maximize your savings, plus neat features like Maya Personal Goals for allotting your income towards goals like saving up for a new vehicle or your dream vacation. Saving, spending, and earning more wealth across your professional career will be easy from a unified and reliable platform like Maya.

You can also set up regular automatic transfers from your salary account to your savings account. This will ensure consistent savings each payday and mitigate your temptation to spend a big chunk of your paycheck.

2) Be Aware of Your Paycheck Deductions

Once you start receiving your paychecks, you’ll soon realize that your salary comes with deductions. Take the time to review your pay stub and familiarize yourself with each deduction, including the specific amounts and what they cover.

In the Philippines, common deductions include taxes, Social Security System (SSS) contributions, Pag-IBIG Fund contributions, and PhilHealth contributions. Learn about the paycheck deductions you’ll typically receive to better budget your take-home pay and to avoid being caught off guard by unexpected deductions. If you have questions or concerns about your deductions, don't hesitate to reach out to your company’s HR or finance department for clarification.

3) Devise a Monthly Budget

Creating a budget is key to managing your finances effectively and ensuring that you're living within your means. Start by assessing your income, including your base salary and any additional sources of income such as bonuses or commissions. Next, identify your fixed expenses, including rent, utilities, insurance premiums, and loan payments. Then, determine your variable expenses, like groceries, transportation, entertainment, and discretionary spending.

From here, allocate a portion of your income towards savings and investments to ensure future financial security and to work towards achieving your financial goals. Also consider using budgeting apps or tools to help you track your expenses, monitor your progress, and make adjustments as needed to stay on track with your budget.

4) Commit to Controlling Your Spending

It's easy to get carried away with your newfound financial freedom, which makes it all the more essential to control your spending. After creating a working budget for yourself, take time to understand your spending habits and identify areas where you can cut back. You can also set spending limits for each expense category based on your budget and stick to them rigorously.

Try to avoid impulse purchases and unnecessary expenses by practicing mindful spending habits, such as making a shopping list before going to the grocery store and waiting 24 hours before making a non-essential purchase to curb quick impulses to buy.

5) Build an Emergency Fund

Even if you’ve just recently become employed, it’s a good idea to start building a substantial emergency fund as soon as possible. You never know how soon you’ll need a safety net for unexpected expenses or financial emergencies, such as medical bills or car repairs.

One common recommendation is to aim to save at least three to six months' worth of living expenses in your emergency fund to cover these essential costs and to maintain your financial stability during difficult times. You can start small by setting aside a portion of your income each month and gradually building up your emergency savings over time.

You could also set up a separate savings account specifically for your emergency fund to prevent it from being used for non-essential expenses and to ensure that it's easily accessible when needed.

And just because my friend Trixie Esguerra Bugia is behind this video, I'm going to share it so you can #GetBankedWithMaya! 
 

In the first few months of your entry into the workforce, remember that managing your finances effectively is a skill that takes time and practice to develop. Follow these essential money management tips, and you'll be on the right track toward financial independence and prosperity.

*Photo by Resume Genius on Unsplash


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Sunday, May 19, 2024

Yummy recipes made from leftovers

My family does not like leftovers. So I try to cook ulam that's just enough for all five of us. But sometimes there are still leftovers. Ang hina talaga namin kumain!
 
So the leftovers don't get eaten and then on weekends, I clean out the ref and I find forgotten leftovers of I don't even remember when I cooked them and of course, I throw them away. It is a terrible thing to throw away food kahit na it's not a lot of food. Madalas it's just a half-eaten chicken nugget or a cup of spaghetti sauce or two matchbox-sized pieces of adobo pero wala ng sabaw. Yung tipong "Isang kagat na lang, hindi pa inubos," or "Nahiya pa sa last piece!"

To minimize throwing out perfectly good food, I have a few ideas on recycling leftovers:

These are pizzas my sons made out of leftover spaghetti sauce, hotdogs and chicken nuggets.

I used leftover rice to make this cheesy chicken and rice casserole. Recipe here.

I used leftover rice and chicken to make this delicious risotto. Recipe here.

Leftover spaghetti noodles can be used for chicken noodle soup.

Cook leftover lechon, which is mabilis mapanis, into yummy lechon kawali.

With jam, peanut butter, cookie butter or Nutella, we turn bread crusts into tasty rolls.

Crumble leftover chocolates onto ice cream for added texture and flavor.

How about you? What do you do with leftovers?

*This is a post from my now-unpublished blog, Topaz Mommy.
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Sunday, May 12, 2024

I'll always be special

I love this video of an experiment involving blindfolded kids picking out their moms in a lineup. Using just touch and smell, the kids all accurately picked out their mamas.


I remembered this documentary I watched a long time ago, on emperor penguins coming back from the ocean, their tummies full of fish. On a vast expanse of ice, thousands of baby penguins wait, and they're all the same kind of fluffy and white, and I thought there's just no way the parents can find their baby. But they do, they do. They find their very own!

I love how special each mommy felt. How unique and how loved!

But did you also feel each mommy's apprehension that their child won't recognize them? I did. I felt the real fear behind the worry. How many of us moms think that we're all taken for granted, pushed to the side, hidden in the background, always in the supporting role, forgotten, unappreciated, unseen?

I feel that sometimes! But that's silly really. I must never forget that I'll always be incredibly special to three precious boys and their Papa. And that's more than enough for me. Really. That's more than I deserve, and I am grateful.

Happy Mother's Day, mamas! Thank you for all that you do. We're not invisible. They know what we do and they love us. Remember that!


*This is a repost from my now-unpublished blog, Topaz Mommy!

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Sunday, May 05, 2024

Tanglad tea is good for everybody

Let's make tanglad tea! For you Thai food aficionados, that's lemongrass tea!

So off I went to the market and bought some tanglad leaves. And here's a photo essay on how to make some:
Wash leaves. You can steep it in white vinegar if you like.

Cut leaves into 1-inch sections.

Bring water to a boil.

Oh, this is just a pretty shot. Love all those green hues!

Boil leaves for 5 minutes. Turn off heat. Then steep for
5 to 15 minutes. It depends on how strong you want the tea.

Serve with calamansi and honey!

Easy! Vince loves lemongrass tea. I should always remember to make pitchers of this! I strongly recommend that you brew this tea for your family, too. With all the health benefits, this is one refreshing drink you and your family will most definitely enjoy.

*This is a post from my now-unpublished blog, Topaz Mommy.

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