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!
Friday, January 21, 2011
Wednesday, January 19, 2011
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...
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...
Monday, January 17, 2011
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...
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...
Friday, November 26, 2010
My Plan ...
Pay:
Ms. R - 2,300 (nov. 27, 2010)
Mr. P - 4,000 (nov. 28, 2010)
Ms. L - 2,500 (nov. 28, 2010)
Ms. L (avon purchases) - 1,150php (nov. 29,2010)
Monthly mortgage - 13,000php (nov. 30,2010)
Total money to raise from Nov. 26,2010-Nov. 30, 2010 = 21,800php
Exchanger will have 37php = $1, need to raise at least $600 in 5 days.
-----------------
December 2010
December 1-7, 2010:
Ms. L (investment) - 10,000php
Ms. M - 1,600php
Mr. J - 2,000php
Mr. A - 1,500php
Hubby salary - 1,000php
Hubby groceries - 500php
My weekly outing - 500php
Ms. S - 1,000php
Total: 18,100php
December 8-14, 2010:
Monthly rent - 4,500php
Electric bill - 3,500php
Smart bro - 3,000php
Hubby salary - 1,000php
Hubby groceries - 500php
My weekly outing - 500php
Total: 13,000php
December 15-21, 2010
Ms. L (avon) - 3,850php
Monthly mortgage - 13,000php
Hubby salary - 1,000php
Hubby groceries - 500php
My weekly outing - 500php
Total: 18,850php
December 22-27, 2010
Hubby salary - 1,000php
Hubby groceries - 500php
My weekly outing - 500php
Ms. L (investment) - 20,000
total: 22,000
Dec. 28-31, 2010
Globe broadband - 2,350php
Owe sis - 2,000php
Hubby salary - 1,000php
Hubby groceries - 500php
My weekly outing - 500php
Bank savings - 10,000php
get lcd in the pawnshop - 3,500php
Total: 19,850php
BEFORE THE YEAR ENDS, I have my about 75% of my debts all paid.
Then, January 1, 2010 I will start with my 1 million mark.
My expenses monthly is $900. I need to have a net income of $2,300 in order to get around 1,000,000php in 1 year.
All in all I need to earn at least $3,200 in order to achieve my goal.
Basically, I need to earn at least $800 a week to achieve it. That's $115 a day. Whew! Where am I going to earn that?
Am I too ambitious....
Well, I am going to lower down my expenses and see more opportunities to earn $115/day still sleeping.
I am a writer...
Average income $1.5 per article @ 300 words, to be safe I need to write 100 articles a day.
Or write
$2 per article @ 400 words = 75 articles
$3 per article @ 400 words = 50 articles
-----------------------
and outsource articles
TARGET: $500 income/month
maybe I will just revised my plan on Dec. 31, 2010...
Ms. R - 2,300 (nov. 27, 2010)
Mr. P - 4,000 (nov. 28, 2010)
Ms. L - 2,500 (nov. 28, 2010)
Ms. L (avon purchases) - 1,150php (nov. 29,2010)
Monthly mortgage - 13,000php (nov. 30,2010)
Total money to raise from Nov. 26,2010-Nov. 30, 2010 = 21,800php
Exchanger will have 37php = $1, need to raise at least $600 in 5 days.
-----------------
December 2010
December 1-7, 2010:
Ms. L (investment) - 10,000php
Ms. M - 1,600php
Mr. J - 2,000php
Mr. A - 1,500php
Hubby salary - 1,000php
Hubby groceries - 500php
My weekly outing - 500php
Ms. S - 1,000php
Total: 18,100php
December 8-14, 2010:
Monthly rent - 4,500php
Electric bill - 3,500php
Smart bro - 3,000php
Hubby salary - 1,000php
Hubby groceries - 500php
My weekly outing - 500php
Total: 13,000php
December 15-21, 2010
Ms. L (avon) - 3,850php
Monthly mortgage - 13,000php
Hubby salary - 1,000php
Hubby groceries - 500php
My weekly outing - 500php
Total: 18,850php
December 22-27, 2010
Hubby salary - 1,000php
Hubby groceries - 500php
My weekly outing - 500php
Ms. L (investment) - 20,000
total: 22,000
Dec. 28-31, 2010
Globe broadband - 2,350php
Owe sis - 2,000php
Hubby salary - 1,000php
Hubby groceries - 500php
My weekly outing - 500php
Bank savings - 10,000php
get lcd in the pawnshop - 3,500php
Total: 19,850php
BEFORE THE YEAR ENDS, I have my about 75% of my debts all paid.
Then, January 1, 2010 I will start with my 1 million mark.
My expenses monthly is $900. I need to have a net income of $2,300 in order to get around 1,000,000php in 1 year.
All in all I need to earn at least $3,200 in order to achieve my goal.
Basically, I need to earn at least $800 a week to achieve it. That's $115 a day. Whew! Where am I going to earn that?
Am I too ambitious....
Well, I am going to lower down my expenses and see more opportunities to earn $115/day still sleeping.
I am a writer...
Average income $1.5 per article @ 300 words, to be safe I need to write 100 articles a day.
Or write
$2 per article @ 400 words = 75 articles
$3 per article @ 400 words = 50 articles
-----------------------
and outsource articles
TARGET: $500 income/month
maybe I will just revised my plan on Dec. 31, 2010...
Why did I came with this idea and my current financial status?
Well, this is something that just occured to me and I just thought this would be a good direction for me to undertake since I have been dreaming even way before to be a millionaire at the age of 24 and now I am 25 and I did not achieved my dream.
So here I am with the following:
1. part-time faculty for history subjects - salary 3,000php
2. freelance work - income around $500-$1,000/month
Expenses:
1. monthly mortgage of the house - 13,000php
2. monthly salary for my husband for helping me in researching - 4,000php
3. monthly bill globe broadband - 2,350php (inclusive modem for first 3 months)
4. monthly electric bill - 3,500php
5. monthly rent - 4,500
6. monthly groceries for hubby - 2,000
7. monthly going out expenses - 2,000
MONTHLY EXPENSES - 31,350php
--------------
Debts
1. owe salary for writers/designers
Ms. R - 2,300php
Mr. J - 4,500php
Mr. A - 1,500php
Ms. P - 200php
Ms. C - 400php
Ms. M - 1,600php
Mr. B - 3,000php
2. owe sis - 2,000php
3. owe Mr. P - 4,000php(due nov. 28, 2010)
4. owe Ms. L - 2,300php (due nov. 28, 2010)
5. PLDT (bill unpaid) - 20,000php
6. smartbro (bill unpaid) - 3,000php (due dec. 10, 2010)
7. avon purchases, etc... - 5,000php (1,150 due nov. 30, dec. 20 3,850php)
8. credit and clothes - 1,000php
9. get lcd in the pawnshop - 3,500php
TOTAL DEBTS: 54,300php
SAFE ESTIMATE: 40,000PHP (total income)
NO BANK SAVINGS AT ALL...
So here I am with the following:
1. part-time faculty for history subjects - salary 3,000php
2. freelance work - income around $500-$1,000/month
Expenses:
1. monthly mortgage of the house - 13,000php
2. monthly salary for my husband for helping me in researching - 4,000php
3. monthly bill globe broadband - 2,350php (inclusive modem for first 3 months)
4. monthly electric bill - 3,500php
5. monthly rent - 4,500
6. monthly groceries for hubby - 2,000
7. monthly going out expenses - 2,000
MONTHLY EXPENSES - 31,350php
--------------
Debts
1. owe salary for writers/designers
Ms. R - 2,300php
Mr. J - 4,500php
Mr. A - 1,500php
Ms. P - 200php
Ms. C - 400php
Ms. M - 1,600php
Mr. B - 3,000php
2. owe sis - 2,000php
3. owe Mr. P - 4,000php(due nov. 28, 2010)
4. owe Ms. L - 2,300php (due nov. 28, 2010)
5. PLDT (bill unpaid) - 20,000php
6. smartbro (bill unpaid) - 3,000php (due dec. 10, 2010)
7. avon purchases, etc... - 5,000php (1,150 due nov. 30, dec. 20 3,850php)
8. credit and clothes - 1,000php
9. get lcd in the pawnshop - 3,500php
TOTAL DEBTS: 54,300php
SAFE ESTIMATE: 40,000PHP (total income)
NO BANK SAVINGS AT ALL...
Raise To 1 Million Pesos in 1 Year
Welcome to my blog!
I have created this to serve as my daily journal on my way to reaching 1 million pesos in savings 1 year.
Join with me in my journey and be with me through my ups and downs as I travel the unknown...
I have created this to serve as my daily journal on my way to reaching 1 million pesos in savings 1 year.
Join with me in my journey and be with me through my ups and downs as I travel the unknown...
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