Hello There!
Just some photos of mi bebes and moi. Most of them taken at St. Lukes Global City, where we’ve been hanging out lately. Yes, the kids are getting sick (again and it’s only January) but that’s Philippines + allergies for you. Hope you’re all having a great day!
A photo of your truly, because I know you miss me. 
Put Your Children on the Right Track; Give them Good Education
For kids, college is like a beacon of fun, independence and learning. For parents, it’s a battle filled with worry, money and the hope that they’ve given their children all they need to be independent. Kids are excited; parents are nervous — but you don’t have to be. There are a myriad of ways you as a parent can help your child get the best possible education. It’s not all about financing school, although that is definitely important. There are many things you can do to get your child on the right college track.
1. Financing the Journey
As mentioned, financing college is very important. The good news is that there’s no one single way to do this. There are a lot of possibilities, and you can even mix and match, so to speak. Even though college is expensive, there are a number of options you can look toward to pay for classes, books, lab fees and so on. Some of the most popular and convenient ways to pay for college and schools supplies include:
- Starting a college fund, which can be done at birth or even a mere few years before your child is ready to further his or her education.
- FAFSA, which exists to provide students with the financial aid, loans and grants for which they qualify.
- Private loans, like personal installment loans, which can really ease the burden of paying for classes.
- Scholarships, which can come from your child’s high school, the college he or she will be attending or private institutions.
Moving is her Career
Found my friend shopping for strapping tools online. When asked why, I learned that she’s moving houses. Again! It’s only five months ago since the left her last condo and now, she’s planning to move again. Luckily, it will be near our place so we’ll get to hang out more. She said she’s getting too old for condo living and would want her own porch so she can relax in the afternoon. As if she have time to relax! But anyway, I’m glad because her current condo is filled with students and yuppies that it tends to get loud at night. I just hope she’ll get to stay for at least a year at her new place this time around.
Christmas 2011: In Photos
Here’s a quick re-cap of our Christmas in pictures. I never regret nagging the husband when it comes to taking photos. No matter how busy or stressed we are, having our pictures taken is a high priority. 
They always come out nice. Which makes you forget all the small holiday-related issues and just focus on the big picture. Pun intended.
The family
My girls
The boys. 
Megster and the Husband.
My little model. She wasn’t smiling because she said models are supposed to be serious.
Now that’s the Sandy that we know.
Finally, a decent shot of Meg.
Sandy watching her video message from Santa. Priceless. You can watch it here too.
From Santa
Chirpy, her favorite toy as of today.
DIY Furniture
If only I’m a domestic goddess like other people I know, I’d be all over projects like using upholstery fabric to dress up an old chair. Or painting furniture like the photos below.
Amazing how much you can save if you have the time and inspiration to create things like these. I’m all for creativity myself – it’s what I do for a living after all, but at the end of the day, I’d rather buy these pieces in a shop at a reasonable price.
Buying Special Gifts on a Budget
If you are on the hunt for a piece of jewelry or another special gift for a loved one, bad credit can prevent you from getting store financing. Quality jewelry can be expensive and jewelry stores in particular are wary of bad credit, so how can you afford an engagement ring without spending your life’s savings?
Don’t give up hope yet, you can find another way. Selling stuff from around your house, finding a part time job online or getting an installment loan can help you get that special gift sooner, even without good credit.
Selling Stuff Around the House
Going through your stuff (DVDs, video games, books and such), you’ll be surprised how many things you can sell. Selling your extra stuff on eBay, Amazon and other online market places is fairly simple. Try to at least match the lowest price (as long as it’s reasonable) and you won’t have trouble selling.
Selling items from around the house usually isn’t enough to fund an engagement ring by itself, but it will be a big step towards it. If you happen to have big things around your house like an extra TV or barbecue, it can add up quickly.
Making Online Jobs
Blogging, making funny videos or opening a hobby website with ads can also help you save for a special purchase, but like any job, it takes awhile to start getting paid. If you have time to save up, making an online small business or finding a part-time job online is a great option. Here are a few job ideas:
- Professional blogger. Talk about something you love and link related advertisements to it.
- Video blogging (vlogging) is also becoming popular. People who prefer to talk instead of write about their favorite topics tend to do videos with advertisements.
- Make a hobby website. Websites educating others about a hobby are always fun and can easily turn a profit if well maintained.
- Make something and sell it. When someone is hunting for a cat-shaped bottle opener or something unique that you can make—they will buy it from you.
Installment Loans
As mentioned above, sometimes you don’t have the time to spend making money — you need it now! If the store won’t give you a finance plan, check for installment loans online. Many online loan companies offer loans despite low credit scores and have excellent rates comparable to regular store financing.
Another benefit to getting an installment loan online is that you’ll know if you’re approved instantly. Then you can start planning for that special day sooner rather than later.
Have more budgeting ideas? Share your idea below in the comments!
ME Time?
I finally found a great deal on music cd duplication for my client. I can rest easy for today and just do absolutely anything I want after lunch. That is, if the girls will let me. Whenever I want to do something for myself, either one of them will need me to do something, or simply want to breastfeed, as soon as my back hits the bed. So yes, depending on my wonderful, sometimes-hard-to-handle, yet still adorable bambinas, I may have a ME time by 1PM. If only I could lock myself inside one of the rooms here and pretend I’m not around. The husband tells me to do that exactly but the problem is as soon as I hear the kids laugh (or cry), my feet have a mind of their own. I’ll find myself checking them out, wanting to join the fun or comfort whoever is crying. That’s the life of a mom.
And the Oscar Should’ve Gone To … (A Movie Themed Christmas Party)
I’m still high from our Christmas party last Saturday night! I see most of these guys monthly but not so much the others who live in the province. To say that it was a great night will be an understatement. We decided to have movies as our theme which was a good call since everyone got so excited to come as their favorite characters.
It was the first time that we got to use our mobile studio outside the house too. I just had to push for that since everyone took extra effort in dressing up. Of that, you will soon see on the photos below.
My friends are just too competitive words! They were all holding out on us – secretive on what they are doing, who they were going as, etc. The party turned out really great which is always the case when you are surrounded with good friends.
US: Cher of Clueless, Elwood of Blues Brothers, Danny Zuko of Grease, Holly of Breakfast at Tiffany’s
Moi as Holly
Elwood – Blues Brothers
With Bart
Mi bebes
Cher – Clueless
Big and Small Mafia
Super Family
The Simpsons
GI Joes
Gawd, I forgot her character!
Star Wars and Chicago
Incredibles
These guys are just great. It was indeed, a Merry Christmas to all.
How to Pay Back Your Pay Day Loan by Selling Non-Essential Household Items
Pay day loans are typically resorted to during emergencies when individuals and families feel they are on the verge of being kicked out their rental home, or their electricity is cut off in freezing winter. Other causes behind the urgent need for a pay day loan is a severe vehicle accident or a medical emergency involving adults and especially children, but no cash or savings in the bank.
Adults who need such urgent loans typically do not have credit cards because their credit score is very poor and no bank or Credit Card Company is prepared to extend them credit. Under such circumstances, the loan that you seek and finally get from payday advance lenders carries a very high interest rate and the payments must be made typically within 14 days, 30 days or 45 days, whichever time period is applicable.
Mom, A.K.A “Bonus Hunter”
When trying to raise a family, especially a fairly large family, any little discount helps. As parents, we clip coupons, shop on the clearance rack, and generally keep an eye open for opportunities to save money, all so that we can give our children the best possible childhood. Perhaps that’s why, when I read a recent article Online about “bonus hunters” (people who hunt down the best online casino bonuses to make extra money), I felt the light of a kindred spirit spring into being. Therefore, I decided to investigate these bonus hunters, and online casino bonuses, a little more thoroughly.
The Prey:
After a quick Google search, it rapidly became apparent that there are several Websites devoted to helping people find the latest casino bonuses. 
It also became obvious that there are several different types of bonuses and that not all of them were created equally. Some bonuses gave “credits” for playing specific games, which could be turned in for cash. However, the conversion rate was not very high (100 credits for $1 is not unusual) and you only got 1-3 credits per hand so that it seemed impossible that self-respecting bonus hunters should pursue this type of bonus. After all, although a 1-3% discount for playing their game is a nice gesture, you still probably won’t actually make money from it.
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About Joy
I am Dzoi, a 28 year old Filipina who currently works as a web designer. I am a loving wife to my equally loving husband Sherwin and a mommy cow to my 2-year-old daughter, Sandy.
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