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Ways To Manage Debt

Saturday, July 17, 2021 Philippines

WAYS TO MANAGE DEBT


Working as a nurse in the Philippines may have its perks but the sad reality is most of us also rely on loans, credit cards, borrowing money from our family that makes us in debt. At least in my case (I usually borrow extra money from my mother) and most of the nurses that I personally know have their own financial difficulties. This is because our low salary cannot keep up with the cost of living as well as the expenses we need to study for more experience and knowledge or even the expenses to apply abroad. Application processes for job application abroad and examination fees are a pain in our budget. Not only that, there are other expenses required for nurses like seminars, membership to Philippine Nurses Association, Professional Tax, and so much more that should be included in how you plan to spend your salary. 


As I now move to another country, I want to be wiser and manage my finances to avoid debts or at least manage the loan I borrowed from my mother. So for today, I am sharing with you some of my tips to manage debts. 


1. Compute the total of how much you owe


First, you have to know the total debt you need to pay. Compare it with your current salary. Also, you should know the interest, due dates and required monthly payments. This way, you can set how much percentage of your salary should be saved in reserve for your debts. 



2. Pay in time


Avoid extra charges as much as possible. Imagine the penalties and interests that adds to your debt for not paying in time. If you can enroll your bills into online banking, it will make paying in time easier. 



3. Consider consolidating your debts


If you have too much bills piling up or debts, consider paying it off through consolidation. Debt consolidation is a way wherein you will loan an amount that can pay all of your debts so that you will just pay one bill monthly with computed interests. 



It may make you shy away from it since you will have another loan but you can save more interests because you will be able to pay off everything and just pay your monthly bill from the consolidated debt loan.


However, just make sure that you read the terms and conditions on each loans and study if it will make it easier in your case or not. 



4. Reserve money for emergency fund


Even though you are already in a tight budget, not saving money for emergency fund may put you in a more complicated position in case of emegency. 


There are several banks that you can use to start saving for your emergency fund that also offers free life insurance like in Security Bank and Maybank. There are several offers from each bank, you can search it online or visit branches near you. Look and compare what fits your  budget. 



5. Cut your expenses


I know it is easier said than done but this is really the main way to be able to pay off all your debts in time. A friend of mine once shared to me that you need to live below your means - not within your means if you are in debt. 


Just spend your money only at necessities and if you are going to purchase other than necessity, make sure that you already saved up for the emergency fund and your bills aside.



6. Find other source of income


Last, try to find a small way to earn more on top of your regular salary. For example, doing business or turn your hobbies into income. Any additional money will be a relief. 


I hope that some of these tips can help you and enlighten you of what should  be your priorities in life. I learned my lesson here in the Philippines that I was not able to spend my salary in investments and insurances and I wanted to be wiser in my new adventure abroad. The tips that I shared are what I personally learned and I will keep this in mind wherever I go now. 

Maybelline's New Holy-Grail Color Sensational Ultimatte Lipstick: Review + Swatches

Sunday, July 4, 2021 Philippines

MAYBELLINE'S NEW HOLY-GRAIL COLOR SENSATIONAL ULTIMATTE LIPSTICK THAT IS BETTER THAN LUXURY: REVIEW + SWATCHES

Maybelline has always been a staple in my stash whenever it comes to lip products because of their creamy smooth formula and I am excited to try out their newest holy grail Color Sensational Ultimatte Lipstick

Focus and meet their newest solid lipstick innovation, featuring its air-light and plush matte formula that might even be better than luxury!

Last June 2021, the ULTIMATTE woman never settles for anything less - whether for herself, her ambition, or the world surrounding her. Of course it is the same when it comes to lipsticks. I believe that lipstick enables us to be ourselves and show our mood or personality. Something that we can express whatever we want. That is why Maybelline New York is best when it comes to empowerment because the brand dares every beauty enthusiast like me to want more than their lipstick by giving us more! 

As I tried all the shades of the newest release Color Sensational Ultimatte Lipstick by the number one makeup brand in the world, Maybelline - it is a totally game changer! Because the ULTIMATTE's "better than luxury" formula makes it more lightweight, more plush-matte and more color-intense with its ultra-fine powders, texture blurring gels and high-impact pigments. 

Watch my TikTok video as I try out the 10 shades of Maybelline Color Sensational Ultimatte Lipstick and see the great choices of shades and its nice new formula!

https://www.tiktok.com/@allaboutbeauty101/video/6981009731863203098?lang=en&is_copy_url=0&is_from_webapp=v1&sender_device=pc&sender_web_id=6986160104311916033

The new formula gives every Maybelline girl a luxurious lipstick experience even when you are working at home with its smooth-like-butter texture and regal packaging that is hard to resist. With this new luxury lipstick, you can feel confident and be at your ultimate best. 


If you are a fan of K-Pop and into Hiphop or girl crush type then I am sure you are familiar with ITZY! The girl group from JYP Entertainment (One of the big three companies in Korea when it comes to talents.) consists of members:  Yeji, Lia, Ryujin, Chaeryeong, and Yuna - are now the Maybelline's newest Global Spokesmodels. ITZY has the same goal as Maybelline and they advocate self-confidence which empowers everyone to be unapologetically themselves in whatever they do. 


As shared by Ira Santos, the Product Manager for Maybelline, “The new Color Sensational Ultimattes will be the new holy grail bullet matte lipstick in the market. Apart from being the only air-light texture blurring matte, we also want to give every Maybelline girl that luxurious lipstick experience that is accessible”. Ira Santos also added, “We want to redefine moments of wearing lipstick even just at home to make every woman feel empowered in every moment they wish to feel their very best.”.

The Color Sensational Ultimattes collection is available in 10 shades ranging from nudes, pinks and reds that morenas will absolutely love. It will be available for only P299 and launched first in Lazada last May 29: http://bit.ly/MaybellineUltimattes_Lazada. Get them as well at your leading Maybelline counters and drugstores nationwide!

Check out the swatches of the 10 shades of Color Sensational Ultimattes: 

So far, I fell in love with its formula. For a matte lipstick, it has a butter-like or creamy texture and formula. It feels lightweight and leaves a light stain when removed. I also appreciate that even though I have dry flaky lips, it does not show it unless up close. And I mean if the person will really look at it. LOL. 

The lipstick lasts for six to eight hours on me with slight fading only. It also does not feather out of my lip line which is really nice! 

All the colors also fitted my Filipina skin tone. So I really recommend that you try these. So far the best formula from Maybelline! 

My favorite shades are 799, 899 and 1299! :)



For more information on this launch and other Maybelline products, visit www.maybelline.com.ph/ | IG: @maybellinephshop | FB: maybellinephilippines | TikTok: babellines.maybellineph | YT: MaybellinePH. 

Register For 2022 Elections: Urged By #MagpaRehistroKa

Friday, July 2, 2021 Philippines


REGISTER FOR 2022 ELECTIONS: URGED BY #MAGPAREHISTROKA


Politics will always be a sensitive topic because people's opinions are often divided and will always have something to say. But the most important question is, did you even voted? It is important to vote if you have a lot of strong wishes and views on the government's management. Voting is a way for you to support your beliefs. 


A website was developed to urge Flipino voters to register for the 2022 elections. This website is called #MagpaRehistroKa. To help the Commission on Elections (COMELEC) encourage more voters to register for the 2022 national elections, creative agency MullenLowe TREYNA, in collaboration with Dashboard Philippines, developed the #MagpaRehistroKa website. The site is supported by Google and is hosted on Google Cloud.


The website aims to help Filipinos through the registration process by providing a clear and simple step-by-step guide. Believing in the power of the youth to shape the country’s future, the campaign taps into patriotism by featuring heroic characters interacting with the voter using the younger generation’s humor and language.


“Participating in the election process means more than putting people in office--it’s about shaping governance, holding power accountable, and impacting lives,” said COMELEC Spokesperson Dir. James Jimenez. “Through this campaign, we want to motivate more Filipinos to register so they can exercise their right to vote in the upcoming elections.”


The #MagpaRehistroKa website was developed by creative agency MullenLowe TREYNA, which also wrote the storyline.


“We opted to make the storyline lighthearted but the message remains as important: every eligible Filipino needs to register and vote in the upcoming elections. Using visuals and expressions relatable to the whole new generation of eligible voters also played a vital role in the creative process, ” said Abi Aquino, Chief Creative Officer, MullenLowe TREYNA. “Though lighthearted in manner, we hope that emphasizing on the sacrifice of our heroes fortifies the importance of participating in the election process.”


Upon arrival at the site, visitors are greeted by Jose Rizal and other Filipino heroes including Melchora Aquino, Aurora Quezon, Andres Bonifacio, and Apolinario Mabini who guide them through the step-by-step process of registration. The storyline is accompanied by historical facts and references to remind people why it’s incredibly important for them to participate in the elections.


Dashboard Philippines helped enable the website which is hosted on Google Cloud. It also uses Google Maps allowing people to easily locate the Office of the Election Officer or satellite registration sites nearby.


“Practicing the right to vote is critical, which is why it is equally important to give people access to relevant information. We are proud to be part of this campaign and we hope this website will be used by more Filipinos,” said Justin Yang, volunteer and software engineer for Dashboard Philippines.


The website reminds people to follow health and safety measures during the registration process, and conveniently links viewers to the official COMELEC registration site iRehistro.com.


“Supporting the #MagpaRehistroKa site is aligned with Google’s mission to be helpful, and organize important information and make it accessible to people. We hope that this initiative will make it easier for Filipinos to register and help the COMELEC achieve its goal. If we want a progressive future, we need to make our votes count,” said Yves Gonzalez, Head of Government Affairs and Public Policy, Google Philippines.


Voter registration period ends on September 30, 2021. If you are an eligible voter, visit the #MagpaRehistroKa website at https://magparehistroka.com/ to learn more.

5 Ways On How To Make Friends In A New City

Thursday, July 1, 2021 Philippines

 5 WAYS ON HOW TO MAKE FRIENDS IN A NEW CITY

As you all know, I will be moving abroad soon and searching for new friend will be another challenge for me. In my previous workplace, my colleagues became my family during the twelve years that I worked there. I will miss them so much. But as much as I would rather stay, I needed also to move for my future's stability improvement. So I chose to work as a nurse abroad. 


Making people actually like you is different to making friends. Specially when you enter the world of working, it is so much easier making friends back in school days. 


I thought about some of the ways I do to make new friends and share it here on my blog. Sharing with you my five ways on how to make friends in a new city: 


1. Remember Names

For me, knowing someone's name is always important. When someone knows your name, you will feel that you are significant. This does not always apply in just making new friends. Make it a habit to use name when addressing a person - for example, in restaurants or establishments, whenever you talk to a staff and they have this badge on, read and remember their names whenever you converse with them. Believe me, it shows respect. 


2. Start A Conversation

I know that this is easier said than done specially since I am a naturally talkative person. LOL. Usually, I am the kind of person who starts to brought up topics we could talk about. 

If you barely know a person, you can start by talking about something of a neutral ground. Like what is your common thing - maybe about a workplace that you would be both starting too, city you will live in, trending topics, sales on market. Even some homes you will be both trying to look for like me because I will be moving to a new city. I can easily ask for example, have you seen the homes for sale in Toronto? Something like that. As long as you will avoid topics that are sensitive like politics, religion, and gender choices. 

Last, you can always read about the culture and tourist spot to the place that you will be moving too so that it can give you conversation starters. 


3. Always smile and listen

If it is their turn to talk, make sure you listen. Getting to know someone, it is important that you make them feel important through listening. Make sure to be interested on what they are sharing to you and praise them if you can specially when they achieve something that they are proud of.

Most importantly, give them your best smile. It might light up someone's day. 


4. Acknowledge your mistakes

Now that I am moving to something entirely different than what I am used to, I am sure that I will make mistakes. May it be in the directions, something that I apply on or anything else that could go wrong. Accepting your own mistakes will not only be a sign that you are open to learn and accept ctiricisms, but it will also make people see that you open-minded. 

In case that you also have to correct others, make sure to be gentle and make a way on saying it indirectly. Remember that we all have emotions. 


5. Respect 

Most of all, specially when you are already starting to be close and personal to your new friends. Always respect their views and opinions. Avoid arguments as much as you can. I know, another easier said done than but always remember to try to be the bigger person. I received this advice twice on my life and it affected my life differently in a more positive way. Now, I always try to live by it.

BPI Foundation Provides Help To Victims of Typhoons Rolly and Ulysses

Wednesday, June 30, 2021 Philippines


BPI Foundation provides fishing boats, houses, and immediate relief to victims of Typhoons Rolly and Ulysses

Extending help during calamities are always a blessing to those in need. Apart from the LGU and other ogranizations, BPI Foundation is always extending their help. 


BPI Foundation, the social development arm of the Bank of the Philippine Islands (BPI), together with BPI employee volunteers and clients, provided fishing boats, houses, and relief assistance to the victims of typhoons Rolly and Ulysses to help them rebuild their lives.



“The goal is to help out and provide immediate assistance to our fellow Filipinos badly affected by natural calamities. As much as possible, we work closely with the affected community to develop holistic and sustainable solutions to address their most pressing issues,” said BPI Foundation Executive Director Owen Cammayo. “The coming months will not be easier, but we will do all that we can to support their survival with the hope of seeing them thrive in the near future.”



Joining the fleet

The Foundation recently turned over 40 motorized fiberglass boats to fishermen in Tabaco City, Tiwi, and Bacacay in Albay through “Fleet of Hope”, an initiative by the Asia Pacific Alliance for Disaster Management and the family behind Biggs Inc. and Que Rica PH, which aims to support the livelihood rehabilitation and economic recovery of local fishing communities in Bicol.


“I'd like to thank you for believing in us and our project, and for trusting us that we give the boats to the right beneficiaries,” said “Fleet of Hope” Co-founder Carlo Buenaflor.


Aside from giving livelihood assistance to around 120 fishermen, the fishing boats may also be used for the community’s rescue operations during calamities.




Rebuilding homes

In April, BPI Foundation turned over P2 million to the St. Joseph the Worker Parish of Baggao in Cagayan for its “Project Salinong” initiative, a shelter assistance operation aimed at building low-cost housing for the victims of Typhoon Ulysses. Through the donation, the Foundation will help build a village consisting of 82 disaster-resilient duplex houses that will shelter over 160 families.

 

“I would like to extend our profound gratitude to the BPI Foundation for the substantial donation you have given to the families rendered homeless by Typhoon Ulysses. We will always remember your kindness and generosity for you have extended help to us in our hour of greatest need,” said Rev. Fr. Gerry Perez, a Parish Priest from St. Joseph the Worker Parish of Baggao.


A livelihood center will also be constructed so that the community will have an open space for their activities.



Providing immediate relief

With the help of 684 dedicated BPI employee volunteers, BPI Foundation was also able to extend immediate relief assistance to 6,600 families or 33,000 typhoon victims in Cagayan Valley, Catanduanes, and Marikina City last November. The relief packs included various canned goods, rice, coffee, and water.


Apart from those who helped in repacking and distribution, other employees also initiated various fundraising projects to help typhoon victims.


To know more about BPI Foundation and its programs, follow its Facebook and Instagram pages and visit www.bpifoundation.org.

Trying Out The Avon Reversalist For A Week

Thursday, June 24, 2021 Philippines


TRYING OUT THE AVON REVERSALIST FOR A WEEK

Hello guys! I know I am missing in action here in my blog and social media but I have been hectic lately in my preparation to migrate outside Philippines. I resigned from my work and all the last minute paperworks and all the preparations are making me hustle more than ever. 

Even though I try out products during my busy days, I was not able to write an update on my blog. But now that I am free from work and just resting at home, I can now focus on writing again. 

So I tried for the first time the Avon Reversalist Creams and Skin Reset Plumping Shots when I received the set from Avon. It feels like Avon was able to feel that I am in need of a good skincare routine during my hectic days.


Avon's Anew Reversalist offers revitalizing day and night cream. The Anew Reversalist line is Avon's best selling brand when it comes to skin care because it is designed for anti-aging. Just the term reversalist makes me think that it can help in reversing the signs of aging on my skin! As shared by Avon, restore your youth with Avon Anew. 

This line also offers facial wash, toner, eye serum, and serum but for today I will be sharing with you their Perfecting Day Cream and Revitalizing Cream. 

ANEW REVERSALIST: PERFECTING DAY CREAM


The Perfecting Day Cream is a 50g jar (999php). The jar is elegant with wide opening. Surprisingly as a day cream, I was able to use this underneath my makeup. Usually I have problems in using creams underneath my makeup because it makes my makeup not last long. However for this day cream, it worked like a good base or primer since it is also light and non-greasy. Most specially since it has a sun protection of SPF25. 

Texture is thicker compared to the night cream and is more similar to sun screens. 

This is not an ordinary sunscreen day cream because it is also powered by Protinol that helps strengthen skin's matrix for a plumper, brighter, and smoother skin. 


List of ingredients for Anew Reversalist Perfecting Day Cream: 


AVON ANEW REVERSALIST REVITALIZING CREAM


Anew Reversalist Revitalizing Cream Jar looks the same as the Day Cream however this jar looks translucent and glass. The jar is 50g (999php). 

I love the revitalizing cream because the texture is thin like water that it was easily absorbed by my dry skin. It feels light and non-greasy on my skin.

The Revitalizing Cream helps reinforce multiple-wrinkle related proteins by PMOT technology. Since it is also powered by Protinol, it helps strengthen skin matrix faster that it makes skin look plump, brighter and smoother. According to Avon, it can also visibly reduce wrinkles and fine lines. 


List of ingredients of Revitalizing Cream: 


ANEW SKIN RESET PLUMPING SHOTS


First, I was really amazed by the packaging of their serums called Plumping Shots. It greatly reminded me of the medicine ampoules that we use at work. The difference with this one though, is that it is for the skin and easier to break open since it is like plastic compared to the regular glass medicine ampoules. LOL...if only you can imagine how hard it is to break some medicine ampoules specially during emergencies. 

I feel nostalgic in using this because I feel like I am working but not for patients, but for myself - for my skin. 

Anyway, back to the main topic...the serum looks concentrated and color light blue. I used this for seven days straight and even for just the first few nights, I saw visible results on my skin. 


It is called a Reset Plumping Shots because it was designed to show results in just 7 days of use that you can do once monthly! This works like a booster on your regular skin care routine that is best used at night before you apply your creams. During the time that you are using this for seven days, you can stop using your serum during those nights because this shot is already potent and enough. 

Using this on my skincare routine, I noticed a plumping of my skin specially on the cheek area. My pores seems smaller too! I was amazed on how fast this 7 day shots worked on my skin!

Each ampoule contains 1.3 ml. (7 ampoules set is 1299php) It seems lacking for a 1.3 ml but I was able to spread it thinly over my face and neck!

For the list of ingredients: Aqua, Glycerin, Propylene Glycol, Pentylene Glycol, Hydroxyethyl Urea, Phenoxyethanol, Hydrolyzed Hyaluronic Acid, Carbomer, Caprylyl Glycol, Thiazolylalanine, Sodium Hydroxide, Disodium Edta, Urea, Tris(Tetramethylhydroxypiperidinol), Citrate,Alcohol Denat, Ci 17200, Ci 42090

Check out my Day 1 VS Day 7 photos: 


You might not appreciate the photos because of the slight lighting difference. I will note the ones that I visibly noticed after 7 days of straight: 
1. My skin discolorations evened out. 
2. My cheecks became plumper!
3. The oil in my T-zone area became more controlled while hydrating the other parts of my skin. 
4. My eyebags are not that pronounced and the dark circles lightened. 
5. My pores are smaller. 
6. Dullness improved to more brighter skin. 
7. Most of all, my skin feels supple and smooth!

I am sure that continuing to use it for more than 7 days will show more visible improvements. Overall, in terms of hydration, my skin felt more hydrated however I have a normal to combination skin type. I think if your skin is really dry, you need to add more source of hydration on top of this routine. Still, I love how fast the products worked on my skin. I am definitely recommending it specially their Avon Anew Skin Reset Plumping Shots!

If you want to try it, I saw a great offer by Avon from their website, though currently out of stock, but they offer a set of 7 day shots with a 15g jar each of the day cream and revitalizing cream for only 999php! That is such a nice deal! Check it out here: https://avonshop.ph/products/anew-subscription. To be updated by Avon's offers, you can follow them on their Facebook page and Instagram

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