To Do List For August 14, 2011 as of 12:40am GMT +8

Before I start with some serious stuff, the image I just uploaded is the same image that I put as a wallpaper background for my very antique toshiba satellite laptop.

This just motivates me to aim more and do more... I believe in "law of attraction". The Raise To 1 Million Pesos in 1 Year only takes one difficult step and that is to decide when to start...

I am going to start a new game plan starting today. I need to be very focus on my plan and be sure that I am not going to set unrealistic goals today.

Here is my to do list for August 14, 2011:

1. Finish 10 blogging articles.
2. Finish 5 gadget articles.
3. Finish 9 boots articles.
4. Finish 8 web hosting review articles.
5. Do data entry work for Italian guy.
6. Do data entry work for Wordpress guy.
7. Pay husband his salary of $25.
8. Pay my worker who did data entry $12.50 for work done out of my writing earnings.
9. Remind Mrs. J to pay me off $50 for the loan she borrowed.
10. Buy some load for my globe tattoo.
11. Go to the city and stay for the night, 100% husband would be drunk it's his day out and do not want to be at home when he is pissed. If I am it would result to endless arguments.
12. Write 10 articles and sell them to my clients.
13. Email my previous clients and buyers of my articles if they want me to write articles for them.

Hmmm, I think I got a lot of things to do for today I hope I will be able to finish them on time in 23 hours.

August 13, 2011 Update as of 6:17pm GMT +8

It seems like forever since the last time I have updated this blog. But now I am back and still am broke:c

I am very much disappointed at myself as of the moment. I am still in financial turmoil, disaster and in the brink of losing everything I have established for. I do not know what is wrong with me?

Here are some of the problems, I have noticed:

1. When I have money even if it is $10 or $15 I have it exchanged to php through a paypal fund buyer and spend it all. Before I can spend it in one day, now I can stretch it up and last it for about 2-3 days.

2. I still owe people money but I am still paying them up until now.

3. I lost track on what I do and I always blame my husband for what is happening in my life for the past months but as of the moment, still am sometimes.

4. I am not a teacher anymore, I do not know if it is a good thing or a bad thing.

So here where I am today as of August 13, 2011 6:17pm GMT +8.

Debts:

Mr. E - 4,040php ($101.50)
Mrs. S - 6,000php
Mrs. I - 1,500php
Ms. LS - 4,000php
Globe - 5,000php
Smart - 4,000php
Ms. AL - 3,000php
Mr. A - 1,500php
Mr. S - 720php ($18 refund)
Mr. G - 12,000 ($300 borrowed)


Total: 41,760php


Not Updated Expenses:

Club Ultima - 22,200php
House Mortgage - 64,500 (78,000 for 5months - 13,500)
Cable - 1,560php (2 months)

Total: 88,260php

Fixed Expenses:

Club Ultima - 7,400php
House Mortgage - 13,500php
Cable - 780php
Prepaid load for Internet - 1,500php
Salary SSS woman - 2,000php
SSS - 780php

Total: 25,960php


Variable Expenses:

Groceries - 2,000php
Electric bill - 4,000php

Total: 6,000php


Income: uncertain

As of the moment:

Current Projects

Boots guy - $10.80
Blog guy - $30
UK Guy - $99
Wordpress Guy - $150 (uncertain)
Italian Guy - $90 (uncertain)

Total: $379.80

Note: need to finish my pending project before Monday comes.

Future Projects August 15-21, 2011:

UK Guy - $150 (50 articles)
Mr. M - $100 (uncertain)


Total: $250 (uncertain)

Here is my GAME PLAN:

1. 5,000php SAVINGS first. The first 5,000php I earn for the week will be my savings.

2. 5,000php per week for the house. The second 5,000php will be for the house.

Total amount allocated: 20,000php
Monthly mortgage: 13,500php
Excess: 6,500 (applied to old balance) in 9 months' time I am updated

3. 5,000php per week for monthly expenses. The third 5,000php (cable, SSS, internet, electricity, salary, etc)

Total amount allocated: 20,000php

Club Ultima - 7,400php
Cable - 780php
Prepaid load for Internet - 1,500php
Salary SSS woman - 2,000php
SSS - 780php
Groceries - 2,000php
Electric bill - 4,000php

total: 18,460php
excess: 1,540 (me time)

4. 5,000php per week emergency fund and investment. 2,500php for emergency fund and 2,500php for investment

total amount allocated: 20,000php

5. 5,000php per week for my debts good for two months from August to September. On October this would be part of savings until January 2012.

total amount allocated: 20,000php

Therefore, I need to earn $2,500.

-----------

I need to earn $625 per week in order to achieve my game plan or cut down my expenses.

By January 2012, I will 280,000php (180,000 savings) and (100,000 emergency fund and investment).

Far from getting 1,000,000php it's 28% of 1,000,000php.

With regard to my expenses I will to reduce it:

1. Groceries - 350php per week or 1,400php per month
2. Internet connection go for monthly sun broadband - 645php
3. Electric bill - 2,000php
4. Salary for Ms. SSS - 2,000php
5. SSS - 780php
6. Club Ultima - 7,400php
7. Me Time - 1,000php

total: 15,225php

Update April 16, 2011 (GMT +8)

Here is an update:

Mortgage (less 5,000) 55,000
Globe 5,500 (got the new bill)
Smart Bro 4,000
Mr. E 10,440 ---> 400 PAID
Electric Bill 5,000 ---> 2,000 PAID
Coach 1,000 ---> 1,000 PAID (registration fee for volleyball tournament my students joined)
Mr. A 2,000 ---> 500 PAID
Mr. J 2,000
Club Ultima 10,000
Prepaid Credits 1,000 ---> 1,000 PAID (lost connection to broadband we are using usb modem at home)
Going Out (eat, massage, etc) 1,600 ---> 1,600 (all consumed)
Salary Husband 1,000 ---> 1,000 PAID
Smart Bro usb 500 ---> 500 PAID

I am very far from my target income due to the following reasons:

1. I just slept since Sunday-Wednesday did not do work I was so darn lazy to work so no income for 3 days.

2. I was so busy reading the articles, editing, and sending them over to clients and got less time to write.

3. The house is full of distractions. I can not concentrate working, radio is playing loud everyday until 10pm, T.V. behind my back sisters watching cable/DVD, and husband watching movies in the room quite loud.

Before the month ends, I am planning to join:

1. IMG and have an insurance - 6,500 approximate cost, additional 2,800 as an expense for my insurance monthly for 5 years.

2. Studying how to drive, I am bit confused whether it would be manual or automatic that's 8,000php (one time).

3. I am paying someone 2,500php to run errands for me paying my bills on time. I also want to help her out.

4. NBI clearance, TIN number and passport processing about 3,500 estimate.

Additional expense of: 20,500 for May 2011.

As for my monthly it will be the following (provided I paid all of my dues):

Mortgage - 13,000
Sky Cable - 780
Globe - 1,999
Smart - 999 (not using this one, since office was closed but need to pay them)
VECO - 3,500
Insurance - 2,800
Club Ultima - 8,000
Load - 300 (sun unlimited 150 and regular 150)
Groceries - 3,200
ME Time - 2,000

Total: 36,578

Expenses that serves as my porftolio or investment:

1. Insurance - 2,800
2. Club Ultima - 8,000
3. House - 13,000

total: 23,800 for investment

Utilities and extra: 12,778php (will try to reduce this)

Salary:

Writers - 70,000
Husband - 8,000
VA - 4,000
PA - 2,500

Total: 84,500 (taken from my writing business)

Target Net Income/month: 50,000 (writing business)
50,000 (article writing work)

I need to have the following:

1. EMERGENCY FUND (SAVINGS): 36,578 X 6 MONTHS = 219,468

2. Time deposit of 100,000

3. Investment on mutual funds of 20,000

4. Investment on stocks of 20,000

5. Capital to fund business for Mrs. L and Mrs. A worth 25,000 each

--------------

Will start my race again on June 2011 and sort my past dues with bills, and mortgage. Therefore, I got 7 months from June 2011 to raise 1 million in cold cash.

That's 142,000php per month net income and savings.

The following are my problems:

1. Lack of motivation
2. Lazy
3. Do not stick with plans
4. Broken promises
5. Spend on things I do not need to spend on
6. Unplanned going outs

Starting today, I will be more focused, do not get tired and always be on the right path to get on my goal.

Update: April 11, 2011

It is almost 3 months since I last updated my blog. Sorry for a long absence. Now I am back with an update.

1. I bumped into different videos on YouTube about "law of attraction", "the secret", etc. It prompted me to make a list of 101 goals. I listed it all and I did not put dates on them got 2 of my goals done in a matter of weeks.

2. I revived my business - article writing with homebased writers now, so far so good.

My total expenses for the month of April 2011:

House Mortgage 55,000
G. Internet 3,000
S. Internet 4,000
Mr. E 10,440
Electric Bill 5,000
Mr. A 1,500
Mr. J 2,000
Club Ultima 10,000


Total: 90,940php

Good News:

1. Not renting the office anymore.
2. My debt to Mr. E has lowered.

Money in my savings account (atm card): 500php

-----------------------

90,940/14 = 6,495.71php or $162 daily earnings

Target Plan April 11-16:

1. Pay electric bill worth 2,000php
2. Pay house worth 20,000php
3. Pay Mr. E worth 4,000php ($100)
4. Pay Mr. A worth 1,500php
5. Pay Mr. J worth 2,000php

Total money need to raise: 29,500php or $737.50.

It's 32% of my monthly expenses already paid off.

----------------

What needs to be done to achieve my target plan for this week:

1. Achieve my daily earnings goal at least 75%.
2. No more sleeping, lazy, etc.
3. Stick to the plan.
4. Earnings from the business will be put to savings.
5. Need to pay off my bills using my personal income.

Jan 22, 2011 (GMT +8) Update

The update is the same to Jan. 20, 2011. Nothing's change, except I have to give 2,000php to hubby who had worked like for 2 days about 3-4 hours in total. Now getting pressured on paying him such amount on Monday, talking about a loving husband.

He is going to use to go out with his friends for a drinking spree. Oh well, but I ain't giving him money since Thursday until Sunday so that's a relief.

For the past two days, I only earned $1. What Ah!!! I am pretty sure reaching 1 Million pesos in a year will not be possible. I am too darn lazy and love wasting time. I do not know what's wrong with me.

There is suppose something that I can do in order to fix this issue. I don't want to end up not reaching my goals and be in the same pot hole.

As for my business, well, I have assigned writers articles and Mr. E and I planned not to touch the profits and let it stay there for 1 year before we split it.

Hopefully, I can earn about $50-$100 today, mortgage for the house is fast approaching and it's $350 plus the electricity bill of $100. Whew!

Jan 20, 2011 (GMT +8) Update

Here it goes.

People I owe as of Jan. 18, 2011:

Mr. E - 16,000php ($400)
Mr. A - 1,000php
Mr. J - 4,500php
Mrs. S - 1,000php (my debt is 950php instead of 1,000)
Ms. Avon - 1,000php (paid 450php)
Sisters - 1,000php
Mrs. J - 2,000php (paid 1,000php Jan. 20, 2011)
Ms. 2nd - 650php

Total: 25,050php

Monthly expenses:

Electricity = 3,500php
Internet = 2,500php
Groceries = 2,000php
Salary or allowance to hubby = 4,000php
My splurge = 2,000php (used up 500php Jan. 19, 2011)

Total: 14,000php

Rental for the office = 4,500 canceled paid my last month today, my biz partner Mr. E will start our biz of outsourcing... (both Mr. E and I agreed so starting off this week, as of Jan. 20, 2011)

Items in the pawnshop:

LCD TV = 3,000php (to be redeemed)
Samsung Champ = 1,500php (to be redeemed)
SE phone = 600php (redeemed as of Jan. 19, 2011)
Nokia phone = 1,000php (to be redeemed)

Total: 5,500php

-----------------------

Things to do this week:

1. Use sun sim (I lost my sun sim gotta find it), 150php for 1 month credit. This will help me minimize spending on credit like Globe. I have chikka account so that helps me a lot, and most of my friends and exchanger in paypal is sun subscriber...

2. Photocopy 5 copies for NAT reviewer.

3. Pay hubby 1,000php to get his phone back @ 600php and 400php for his beer again. Will convince him to work this week. (done as of Jan. 19, 2011)

4. Talk with Mr. E about the business so that we will start to utilize the office this week and earn more money. (thru chat as of Jan. 20, 2011)

5. Pay Avon lady, Mrs. S., Ms. J, Ms. 2nd and Sisters. (paid Ms. Avon lady 450php)

6. Money owed to Mr. E will be paid out of my work for the articles like about 10-15 articles a day. Profits will be put into a bank account (joint bank account with him).

7. Go to Sto. Niño Church to pray. (done Jan. 19, 2011)

8. Get my EON cyberaccount.

9. My splurge, massage, was thinking of going promo of Club Ultima's own spa "Prana Medispa" 777php includes body scrub, body massage and facial.

-------------
Jan. 19, 2011

Income - 1,550php

Expenses

Hubby - 1,000php
My splurge - 500php
Fare - 50php

Money left = 0


Jan. 20, 2011

Income - 1,6000php

Expenses

Mrs. J - 1,000php
Ms. Avon - 450
Eat, fare, printed test questionnaires - 130php

Money left: 20php

---------

I did not work yesterday and today I have not done any work so 2 days with no work and I lost 2 days worth of income. Geez! When will I stop this habit. My earnings today was because I worked yesterday. Now for tomorrow I do not have any income...

Jan 18, 2011 Update

I have not been into this blog lately now I am back updating it...

Here it goes.

People I owe as of Jan. 18, 2011:

Mr. E - 16,000php ($400)
Mr. A - 1,000php
Mr. J - 4,500php
Mrs. S - 1,000php
Ms. Avon - 1,000php
Sisters - 1,000php
Mrs. J - 2,000php
Ms. 2nd - 650php

Total: 26,500php

Monthly expenses:

Electricity = 3,500php
Internet = 2,500php
Groceries = 2,000php
Salary or allowance to hubby = 4,000php
My splurge = 2,000php

Total: 14,000php

Rental for the office = 4,500 canceled paid my last month today, my biz partner Mr. E will start our biz of outsourcing...

Items in the pawnshop:

LCD TV = 3,000php (to be redeemed)
Samsung Champ = 1,500php (to be redeemed)
SE phone = 600php (to be redeemed)
Nokia phone = 1,000php (to be redeemed)

Total: 6,100php

What went wrong?

1. Im a pleaser, I can't say NO! I do not know what's wrong with me. Say for instance Avon lady, I purchase like 1,000-2,000php worth of goods every month and end up junk, I do not need them at the end:(

The ukay-ukay clothes and load purchases on credit. Again, I can't say NO! When she say there is some stuff new, I would grab the opportunity and buy them:(

My husband when pressuring me to give him money for his suppose to be salary yet he did not even work for 1 week, usually he works 2 days like 2-3 hours a day per week. Then, last week he did not work at all and we had an argument end up me being beaten up because I called him a liar when he said that his father died. It is because he asked money from my parents to get phone being pawned yet he end up using the money for beers.

2. I waste time too much. I love playing bejeweled. Imagine I can play about 8-10 hours straight on it and there you go, 1 day with no income.

3. I do not know how to budget money:( I spend and spend and do not keep track on things...

4. I am lazy. Yes, too lazy to go to the bank and get my EON cyber account of which I can use to withdraw money from paypal... which can save me fees instead of exchanging it. For $1,000 the exchange is 37,000php instead of 44,000php, this is huge already...

5. I am a scatter brain. Do not have any plan at all, always has this mind-set "come what may".

6. Act on impulse. I act before I think... and when I think it would be too late especially on my purchases:( One time I spent 1,000php 2 days worth of massage and I do not even get the results that I wanted:(

-----------------------

Things to do this week:

1. Use sun sim (I lost my sun sim gotta find it), 150php for 1 month credit. This will help me minimize spending on credit like Globe. I have chikka account so that helps me a lot, and most of my friends and exchanger in paypal is sun subscriber...

2. Photocopy 5 copies for NAT reviewer.

3. Pay hubby 1,000php to get his phone back @ 600php and 400php for his beer again. Will convince him to work this week.

4. Talk with Mr. E about the business so that we will start to utilize the office this week and earn more money.

5. Pay Avon lady, Mrs. S., Ms. J, Ms. 2nd and Sisters.

6. Money owed to Mr. E will be paid out of my work for the articles like about 10-15 articles a day. Profits will be put into a bank account (joint bank account with him).

7. Go to Sto. Niño Church to pray.

8. Get my EON cyberaccount.

9. My splurge, massage, was thinking of going promo of Club Ultima's own spa "Prana Medispa" 777php includes body scrub, body massage and facial.

-------------

I have wasted 17 days already for the raise to million, I have 348 days already in order to achieve this calculations?

Well, 2,873php income per day!

How am I going to do it...


1. Business with Mr. E, provided things will go smoothly by February will be earning money already...

With 3 writers at 10 articles each day for 6 days = 180 articles per week, 720 articles in total for 1 month

$1.5 per article $0.50 per article to the writer, $0.50 (internet, electricity rent of the office), $0.50 profit

Computation:

720 articles x 20php = 14,400php

salary - 14,400php
internet - 1,000php
electricity - 2,000php
rent - 4,500php

total: 21,900php

Profit: 43,200-21,900 = 21,300php/2 = 10,650php/month

2. Freelance article writing

Target income = $1,000 / 20 days = $50/day

3. Salary in School = 2,000php put in bank

(Not too long be resigning on February, still thinking about it)

4. Give Mrs. L capital of 50,000php or 100,000php in total and wish to double it in 8 months time...earnings put into a bank.

5. Savings want to go to HSBC and deposit 100,000php before the year ends. At least it will earn interest there and good for show money when I will go overseas for vacation or business travels soon.

I think this is it! Will update later today as to my spendings and earnings. This is going to be time consuming but worth it! Ciao...