Sunday, April 27, 2008

Photographers -- Get Labor Only

If you want a good photographer but cannot afford the whole package inclusive of the album, consider asking if he/she will accept labor-only. Meaning you just pay for the photography services, with the output (either film or digital files) turned over to you for developing. This way, you can get good pictures and just have them made into an album at a later time when you get the budget for it.

Thursday, April 24, 2008

Bring your own lunch...

...or merienda!

Home cooked meals are way cheaper than those bought at canteens, fast food outlets and most especially restaurants. They usually taste better too! The only drawback is that you may need to heat them up before serving so that they would taste even better, especially if it's the usual kanin at ulam (rice and viand, a typical Filipino meal). Fortunately, most offices nowadays have a microwave oven in their pantry. Or at least, an oven toaster. Worse comes to worse, you can even eat them cold.

It's even more economical if it's the leftovers from last night's dinner. No food going to waste! Now that's good news, especially in these times of rice shortage!

Tuesday, April 22, 2008

Coffee break 1.6 -- What is your budgeting secret?

This is actually a coffee break question from Jan. Very timely, what with all the recent price increases!

What is your budgeting secret?

I don't really have a secret. I try not to buy unnecessary things. I think before I buy, "Do I/we really need this?"

Of course, there are times when we just have to indulge a bit. If that's so, I will think, "Can we afford this extra expense?"

I do not put all my available money I have in my wallet. I put just enough to see me through the day.

I use credit cards, but I try to use them wisely. I use them to fund big payments and purchases so that I get the points, but I also set aside money to pay for them. And I pay on time.

Lastly, we still live with our moms. It's rent free. It would be easier to save up that way. Of course, it entails some loss of autonomy, but you can't have everything you want.

Saturday, April 12, 2008

3 in 1 coffee

I just passed by a Starbucks coffee shop earlier. I suddenly felt a craving for the caffeine jolt. But the reality of the coffee shop prices hit me...I could actually buy a whole meal, complete with dessert, with the price of a single frappucino!

So now, whenever I go to my clinic, I always bring a sachet or two of a 3 in 1 coffee. It gives me the same caffeine jolt at the fraction of the price!

Wednesday, April 2, 2008

Watch your checking account!

If you're using a checking account, make sure you keep track of the checks you issue. The checkbook always comes with a ledger at the front wherein you can keep track of your deposits, withdrawals (including checks) and balance. Use it!

Make sure the balance in your checking account is always above the minimum maintaining balance set by your bank. That's because you will be charged a service fee for every month that you're account is below this number.

Never issue amounts greater than the balance left. Because you will also be charged with a fee for that! If you didn't fund it in time, your check will bounce and you may also be criminally liable.

Be careful with issuing post dated checks. Make sure that your account is well funded enough to cover the amount on the check/s before they become due.

A checking account is my favorite account for our day to day expenses. But if we're not careful about it, it would cause us a lot of problems.

About Me

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A part time ophthalmologist, part time micro business owner, part time graduate student and FULL TIME MOM struggling to find balance in the confusing world of multitasking :)