2014 in review

The WordPress.com stats helper monkeys prepared a 2014 annual report for this blog.

Here’s an excerpt:

The concert hall at the Sydney Opera House holds 2,700 people. This blog was viewed about 17,000 times in 2014. If it were a concert at Sydney Opera House, it would take about 6 sold-out performances for that many people to see it.

Click here to see the complete report.

Holiday Thoughts

The saying that Xmas is for the kids became true to me when I started working. Apart from the fact that I started to earn, it was during this age when I crossed the other side of the fence. Gone are the days when I receive gifts, both monetary and non-monetary, from the elders in the family. When I had my first 13th month pay, it signalled the time when I was forced to embrace the role of the “giver.” I have to give, give, give, give and that endless list of giving.

In my family, the cash gifts are more appreciated. I don’t disagree because at the end of the day, you have the freedom to buy the things that can make you happy. I have my own share of receiving those crappy and useless gifts. Either they end up in the trash bin or given away to cousins, friends to charity boxes. This is actually the main reason why I never really subscribed to the idea of exchange gifts. If I join exchange gifts, I don’t expect to receive anything decent. In my years of existence, I always receive gifts that aren’t meant for me. So when I join one, I think of it as giving away something with nothing good to expect. I cannot understand how others would not make an effort when joining exchange gifts. And yet they will end up the happiest because they will receive the best gift. Life is good… for them. Haha

I may sound as another Christmas Grinch here. But really, no matter how much I deny it, Christmas has to be my favourite time of the year. If we will remove all the expenses, (I hope it would happen in reality) I’m just glad with the fact that I get reunited with my good old friends. I look forward to those short yet meaningful dinners.  The atmosphere at work is lighter. Everyone seems to have that rare smile on their faces. I have a two-week vacation. I have that rare 8-hours of sleep. Traffic maybe the worst but at some point, I do appreciate the sight and feel of the Xmas rush. I will have that special dinner with my family from Xmas and New Year’s eve. The next day, I will be reunited with my cousins. I have been doing this routine for 30 years yet for some reason, I never get tired of it.

I maybe broke now but I still believe that I will find other reasons to be happy.

New Journey Series : Before 2014 ends

I was so optimistic with my last New Journey Series post. As I was back reading my entry, I recalled how I was able to totally eliminate one credit card. Great news! Great news for me. I thought I was progressing. I thought I was stepping to the road of financial maturity. Sadly, everything was ruined again. It was all my fault.

It started with my other dormant credit card. I was surprised to discover that I haven’t used the card for a year. I called my bank to request for a possible waiver of annual fee. I was granted the waiver provided that I will make an accumulated or single receipt purchase worth Php 5,000. Best about everything, I can even convert the purchase to zero interest instalment. I got too overwhelmed with everything. And as you can sense it, I messed up again.

Another incident that prompted me to ruin my improving financial record is my professional fee that has long been delayed. My payment for this project was delayed for almost two months. I admit, I made a mistake. I counted my blessings early. I spent my money way before I was about to receive. I used my credit cards to finance the advance purchases. I held on to the fact that I have an upcoming income. Unfortunately, I failed to monitor the expenses. As a result, the debts piled up again. I gave in. I counted my eggs before they were hatched.

Last weekend, my most awaited 13th month pay already arrived. I started with my expenses and savings. And just like that my money almost vanished. I have my birthday celebration. I have to meet my good old friends and that would mean money going away again. I’m not even sure if my remaining balance can still survive me. Adding up to this, I opened another insurance policy that will provide me financial support in cases when I’m stricken with any dreaded disease. My company does not provide an extensive and comprehensive health plan. Hence, I was forced and convinced to buy this new policy.

At this point, I have to admit defeat again. I will end 2014 with another set of financial burden. It was my fault. My only consolation then, everyone in the family is healthy. We were spared from the tragedies of the recent typhoon. I messed up again. My only hope, I will have more freelance clients and additional work to survive me.