Saturday, May 31, 2008
For others who are experiencing this very same problem, payday loans could be the best solutions. Why not? Nowadays, if you are in need of cash, you can sign up for a payday loan which could be made available for you as soon as you are approved. Where to sign up? Check this easy payday loan site. In three easy steps, you get a cash advance easier and in no time. Simply complete the online form, receive approval shortly upon submitting the form, then wait for the funds to be given to you the next day. That easy! Want to learn more? Why don’t you check it yourself? Now, do you think this will be the best solution for me as well? Hmmm..Think..Think..Think…
Posted by Phoebe at 2:19 PM
Posted by Phoebe at 7:27 AM
Friday, May 30, 2008
To be continued...
Posted by Phoebe at 8:55 PM
As much as possible, I want to avoid having debt because it's the main reason why I'm having a hard time managing my money. But well, it's inevitable for me because I have lots of expenses especially now that I'm renting a place which is way more expensive than the one I previously rent. Now, what I am going to do about this? Is it high time that I go for a debt management program?
From surfing the Internet, I learned that for those who have a number of debts, whether loans from various creditors or credit card debts, a debt management service can be of big help to become debt free. And when it comes to this kind of service, one name to rely on is No Debt Today. It’s a site that provides lots of information on how to manage your debt and extends free debt consolidation so you’ll be debt free today. Feel free to check out this site because I’m sure you will learn a lot about debt just like the way I did.
Posted by Phoebe at 4:29 PM
Now, you see how easy it is to get paid to blog, huh? Why don't you click here and sign up for PPP?
Thursday, May 29, 2008
Now, why did I sign up and how did I learn about PPP? Okay, let me share it to you. Since last year, I promised Papa Ghie that Baby Gaby and I will give him a nice present when he comes home on January 2009. When I asked him if what it is that he likes to have, he said he wants a Playstation 3. I was quite shocked though when I learned that it was a little expensive, around 20,000php. But since I gave my word, I intend to keep it even if it means working extra hours to save the amount that I need. So when I learned from my colleague Ate Raziel that I can earn from blogging, I decided to sign up for PPP. Now, here I am, trying to get paid to blog.
PPP or PayPerPost is a great blogging opportunity for newbie bloggers like me. By simply giving my feedback or opinion about various products, services, websites, and companies, now I can do two things at the same time: to blog and to get paid to blog. Talking about hitting two birds with one stone, right? So, what else would I look for in signing up for this site? Isn’t this a great move?
Wednesday, May 28, 2008
Okay, let me continue this tag now.
My Foundation: sorry, I don't use one
My Mascara: Avon, but that was a long time ago
My Blush: Would you believe me if I tell you that I use one of my lipsticks as my blush? Saw my Grandma doing this, so I just copied it from her.
My Day Cream: Amira Magic Cream (don't have one now, though)
My Lipstick: WetnWild (Is this a brand?) This was just given by my friend Anne when she came home from New York
My Beauty Product Brand: Hmmm..As of now, I have Dove products.
My Essential Beauty Product: Maxi-peel...hehe just kidding...
My Favorite Makeup Product: sorry, but I rarely put make up
My Perfume: Yessamine - from Avon
My Nails: nothing (FYI: I'm a nailbiter so I keep my nails free from anything)
My Feet: Ever Bilena lotion for now (gift from my bro)
My Hands: Dove Moisturizing Lotion (from Papa Ghie)
Three Products to bring on a deserted island: I dread the thought, but anyways, IF EVER, I'll bring
shampoo (wee..i can't think of anything)
Woman I Admire for their Beauty: Angelina Jolie (I can't get enough of her lips)
Woman with the Best Sense of Style: Hmmm...Tyra Banks?
My Ultimate Dream: To have a complete and happy family like Paula
My Favorite Fashion Publication: I only get to open one when I'm in a salon so I don't really have a favorite
Posted by Phoebe at 3:54 PM
But you know, though I’m excited, at the back of my mind I’m wishing that we’re moving in to our own house already. I’ve been renting for a year now, and really sometimes I find it so impractical because the monthly payment for rent could already be paid for mortgage.
I’m really looking forward to have a home which we can call our own. Now, with the mortgage information that I need, perhaps, I can proceed with my next step.
Posted by Phoebe at 2:55 PM
Sunday, May 25, 2008
"What I don't know won't hurt me," that's what I kept telling myself. But since there are things that I find out without intending to, I can't help but get hurt and ask myself, "Why does he have to hide some things from me on which later on I'll be able to find out?" I'm not the jealous-type of girl, it's just that I hate it when he doesn't tell me everything, especially as to where he goes during the day.
I know, I should not be expecting in return the same 100% honesty that I give. But sometimes, I find it unfair when he doesn't tell me everything. And you see, whenever I open up whatever that bothers me, instead of being listened to and my feelings being understood, I end up being that "bad girl with a super-negative attitude". So, I'd rather keep my mouth shut every time I'm hurt and keep things better left unsaid.
Saturday, May 24, 2008
I was thinking, what if I was also short on budget during that day? I could just imagine how worried she would have been. I certainly know the feeling of dismay when remittance is delayed, so in a way, I felt glad that I was able to help on her immediate need for cash.
How about you? Have you experienced the same thing? If yes, where did you turn to? Nowadays, there are other solutions that people can turn to when in need for immediate cash. One of these is through a payday loan.
Basically, cash advance payday loans are short term loans that people, who are 18 years old and above and have regular source of income, can secure for immediate cash needs. If you meet these basic requirements, you can sign up on this payday loan site and get approved for a faxless payday loan in no time.
Now, if you don’t have a neighbor to lend you money for your immediate spending need, why not check this one out?
Posted by Phoebe at 12:36 PM
Ethan looked so different now, different in such a way that he is bigger and more handsome. Well, no doubt about it since he has a very pretty mom and "oh-dont-mention-that-name-of-his-dad-Bhem" Lols.
Ethan's 1st birthday party was a blast, with all his family around, and of course, with his Mommy Chie who came home all the way from Qatar. There was a party clown, videoke singing for everyone, and lots and lots of foods. (As in thanks Chie, for a day, I forgot that I was on a diet..wink!) And the cake, look at it. From the way it looks, I guess it's even taller than the celebrant himself. Hmmmm, I wonder if I can afford that one for Baby Gaby's 1st birthday? Calling Papa Ghie...hehehe...
Belated Happy Birthday Ethan! See you on Baby Gaby’s 1st birthday party.
As much as possible, I don’t want to be charged due to late payment. It’s okay if I have these finance charges for my purchases. But an added charge for late payment? Well, that should be a big no-no.
Some friends of mine are against the idea that I have a credit card with me because of these charges. They do have a point, but as far as I am concerned, this credit card is a big help to me and Baby Gaby’s dad, especially when we make online purchases. As long as we make use of it wisely, I don’t think paying it would be too much of a burden.
Anyhow, there are sites that inform consumers like me on how to use credit cards wisely. If this has been a struggle to you, well you can always visit this site to give you some insights on credit issues. They have a blog which is really a helpful source for old and new credit card holders. Now if you are new on this, feel free to check their credit card offers to find the one that best suits you.
Posted by Phoebe at 10:54 AM
Friday, May 23, 2008
While thinking about this problem, I remembered one site that I happened to search online a couple of days back. It’s a cash advance or pay day loan site which offers online pay day loan solutions for people who are in dire need of cash. Like if you want to apply, all you need to do is to sign up and wait for approval within the day. It’s that easy, actually. Plus, the site is known for its cash advance no credit check feature, so no need for you to worry even if your credit card has an outstanding balance. Hmmm...Now this got me really thinking. Wait no more, eh!
Posted by Phoebe at 10:34 AM
Thursday, May 22, 2008
45 days? Will I sound so selfish if I find these 45 days too short for us to be together? And from these 45 days, how many days could be alloted for us? 10? 20? 30? Or would time be kind enough to let us spend at least the 40 days out of that 45?
Ever since I met Papa Ghie in 2007, I haven't spent more than 10 days with him. So, I was really excited before when I've learned that he's coming home for good. I was thinking that if we could spend more time together, perhaps we'll have a stronger foundation for a lasting relationship. And that even if he leaves or plans to work abroad again, at least there will be more memories for us to hold on to.
But I guess, life isn't too fair for us yet, much more for Baby Gaby because in the next three years, she will be deprived of spending time with her dad and celebrating her birthdays with him around. Now, this what hurts me more. I could take the idea that Papa Ghie and I need to be apart so he can be a better provider for the family, but the thought that he has to miss all the important milestones in our daughter's life, it really tears my heart into pieces.
I hate to remember those times when I was here alone during my pregnancy, much more when I gave birth to Baby Gaby. At the clinic, I was the only mom who was giving birth without a husband around. That was too painful, especially when I saw the daddy's carrying their small babies when they were discharged from the clinic. While Baby Gaby...:(
Sometimes I would ask, would it be worth it? What I mean here is the fact that he has to be away again so he can earn more money. I was thinking, would the car, own house and lot, business, and cool gadgets be worth all the sacrifices? Can we really be happy and contented as family having all these at the expense of our daughter being deprived of growing up with a dad beside her?
I know, I sound so emotional here and others will think that I'm being so melodramatic. And for sure, some are even thinking that Papa Ghie made the right decision because life now is very difficult and everyone has to be practical. I can't blame you for thinking that way, and I can't blame him for such decision. I just hope in time, life would be a little fair for us.
Wednesday, May 21, 2008
I would admit, though, that I'm really getting impatient. I want to have my own car now, as in now! But how can I if our savings are not yet enough? Should I turn to car loans for easy acquisition of my dream car? Hmmm… Why not?
While trying to find more information about car loans, I stumbled on this great auto loan site, which is created mainly to help would-be car owners like me to find the best car loan rates either for new cars or used cars. It also launched an auto loan blog so readers can be more informed about various auto topics. And if anyone decides to go for auto loan and financing or refinancing, it has a free auto loan quote readily available.
Auto loan is really a good option, but I still need to ask Papa Ghie about this. I don’t want to decide alone since this will be our first big investment. Now, let me share to you what we want for our garage.
( Hyundai Starex )
( Mercedes Benz MB100 )
( Mitsubishi Adventure )
( Toyota REVO )
( Toyota HiAce Van )
Posted by Phoebe at 4:02 PM
Okay, for my next step: I saw my last billing statement (as in the nerve that I have one in spite of their "oh-so-continuous-connection") and read about the mobile number on which I can send SMS to report my complaint. Relieved a little, I immediately texted my problem to 0917-893-2189 (to Bayantel DSL subscribers: take note of this number). I waited for a reply, but...nothing! As in na-da! Near to tears, I could not do anything but called Baby Gaby's dad and told him that I could not connect to the Internet. He, himself, was so disappointed because he wants to see his daughter everyday in webcam and watch us sleeping 'til we wake up in the morning.
The following morning, I got a text message. Alas, it was from Bayantel (okay, better late than never)! The message said that they received my complaint and that they will send some technicians to check my line - note: WITHIN THE DAY! Hours after reading the message, I received a phone call from a technician of Bayantel saying that he was already at my place to check the problem. After an hour, he called up again and told me that I have to upgrade my subscription from 256kbps to 768 because it was the reason why I get disconnected everytime. He advised me to call 181 or go to the Bayantel office.
As soon as I arrived home, I called 181 - again NO LUCK! So, off to the next option - GO TO BAYANTEL OFFICE at the mall. When I arrived, the customer service rep was so friendly and assisted me on my problem. Before I left, she assured me that once she upgraded my subscription, everything will be okay. So, I left, with hope soaring high. But when I tried to login when I got home - guess what? AGAIN...AGAIN...and AGAIN...Smiley just kept smiling and the two arrows in skype kept going on circles, meaning I COULD NOT CONNECT AGAIN! GRRRRR!!!
What's wrong with you BAYANTEL DSL? I already called your customer service mobile number and talked to this Paul guy, but he could not help me as well. I even told him that I'll gonna blog about this frustrating experience. So, here I am. Tell me, where do I turn to now? I'm so pissed off with your service. I don't know if other subscribers experience intermittent connection, but if they do, I'm sure you are off to losing a lot of prompt customers like me.
Posted by Phoebe at 2:23 PM
Tuesday, May 20, 2008
Having a credit card really has its advantages and disadvantages. So for those who are thinking applying for one, make sure that you weigh the pros and cons first. Now, if you think that it's not worth it, then consider other options how to get immediate cash when payday is still days away.
While surfing the net, I come across this site about bad credit payday loans. I don't know much about this type of loan, so I read on. I've learned that if a person has a bad credit, this loan can help settle and dissolve it.
Posted by Phoebe at 6:07 PM
Now, what made me like the said house? First, it was huge: with two big bedrooms, a wide area for living room, kitchen, and dining, and a nice toilet and bath. Second, the rooftop has a superb space, and it would be perfect for Baby Gaby's 1st birthday party on November. And third, it has a garage. (wink)
Why the need for a garage? I know some of you will think that having a house with a garage is a little impractical for me, since I don't have a car yet. You may be right on that, but then hopefully, before the year ends, I'll have one (even 2nd-hand) of my own.
So, aside from having a garage ready for my "short-term-dream-car", I'm also getting myself educated now about car insurance. And to find the information that I need, I go to CarInsuranceRates.com - a helpful source for car owners and would-be car owners like me. It's a site which deals mainly on car insurance options and auto insurance quote. So, if you are a would-be car owner like me, why not check this site?
Now, I am more than excited to transfer to my new home, much more to have my own car parked on that garage. Whew, I know it won't be easy, but I'm keeping my fingers crossed that it won't be long.
Posted by Phoebe at 4:00 PM
Wednesday, May 14, 2008
Monday, May 12, 2008
Hours after that phone call, I was so optimistic that I'll be able to find a place in no time. But now, after looking at 5 options, I realized that finding a place to rent is not easy at all; they were either too small or too big for us. Oh, and I forgot to mention the rate, I almost faint when I've learned how much the last option was, it was a hefty 8000Php. Think about that. It was way beyond my budget, and would be too impractical considering the fact that I can already use that amount for monthly house and lot amortization.
Now, I don't know where to start looking again. I'm getting frustrated, really. And a while ago, I couldn't help but feel down thinking that I'm alone in doing this search. Gaby's dad is still away, so there's no way I can't rely on him to do this for me, for us. I couldn't blame him though, because I know, he's working hard for Baby Gaby's future. But during times like this, I'd wish that he's here with us, or that he didn't make that wrong decision on which the supposedly resources that we can use to start having a house and lot are in the hands of other people.
So, what am I going to do now? I have less than 3 weeks left before the set date for us to leave the house. Suggestions, recommendations, anyone? I'm getting desperate, but I'm not losing hope that I'll find the right one on time - and when I say the right one, it should have two bedrooms, a space for a living room, dining, kitchen, little play area, toilet and bath, and a garage. Got any ideas where I can find one? Friends, help me on this please...please...please...
Friday, May 9, 2008
Wednesday, May 7, 2008
Papa Ghie's hometown is in Manito (Tinapian in particular) - a 5th class municipality located on the eastern part of Albay. Although there are no major landmarks to visit in their place, spending a nice weekend or a vacation there will give you that "close-to-nature" feeling because it's away from the hustle and bustle of the city.
Anyway, moving on, since we arrived near lunch time, Papa Ghie's mom (now I called Ma as well.hehehe) prepared a simple yet such a delicious meal for a city girl (city girl chos!lols) like me (perhaps I was just too hungry that's why it tasted so good.LOLs). Actually, it was only fried fish, but I don't know why it tasted so different from the fried fish that I eat here in the city. Ma said that the fish was very fresh, and got it from "bunuan". (Hmmm.. I forgot the exact meaning of this one, I'll ask Papa Ghie later) But anyway, I did have a hearty lunch and felt like taking a siesta after since the atmosphere there was very relaxing. But then, I didn't want to waste time so I went to his cousin's place instead to say hi.
After having a nice conversation plus a short videoke session with Papa Ghie's cousins namely Tonet, Nonet, Tate, Me-ann, RJ, and others which I forgot the name, I went back to Ma's house to see what's cooking. You see last Sunday, May 4, was also Baby Gaby's 6th month birthday so I brought a cake and Ma cooked "pancit" and "biko". When the foods were ready, we invited some of Ma's relatives to join us in celebrating Gaby's monthly birthday. Here are some of the pictures that I took:
(Yummy! My cake looks delicious. YumYum!)
(Mommy blowing the cake for me)
(6 Months Old Baby Gaby)
Overall, the celebration was superb (though the food was limited) and I was glad to see Papa Ghie's relatives happy especially when Baby Gaby flashes her adorable smile.
After the "small birthday party", I spent the remaining day talking with some of his cousins. They told me that Baby Gaby looks more like her dad and that they found her so cute with those dimples and big round eyes. Of course, as a mommy, I felt super proud. I did not even expect Gaby to be so friendly during that day, smiling to everyone as if she had seen them before.
Okay, the next day, Ma and I went to Bagong Sirang, a part of Tinapian, to attend the fiesta. I never expected it to be so much fun, yet a bit exhausting. Under the excruciating heat of the sun, we went "house-hopping" (hahaha!), on which each house that we entered, foods were readily served at the table. Yum-yum! Hmmm..Let me count how many houses we visited..one..two..three..I think, all in all there were 8 houses, on which I only remembered 4 names of the owners..hehehe...(bad Bhem) But anyway, I did enjoy the foods that they served (hey, I didn't eat in all 8, only in 7 I think. hahaha)
At around 2:00P.M., exhausted and full, Ma, Tiya Glice, Tiya Nelicia, Ate Vangie, and I decided to go home. When we reached home, I saw Ghie's cousins already busy preparing for the birthday celebration of Pay Pael - Ghie's grandfather. The "pabitin" and "palayok" were already hanging, and the streamer and other decorations were already in place. It was Pay's 87th birthday yet the theme of the party seemed to be for a kid's 1st birthday..weee! But it's actually a nice idea since Pay has a lot of grandchildren who are kids at heart and well, great grandchildren with ages ranging from 6 months to 5 years old (with Baby Gaby as the youngest, the newest addition to the Sibuyo family).
After his special number, messages were given by 1. Pay's sister-in-law, Lola Ine, 2. Pay's eldest son, Tiyo Henry, 3. Pay's eldest grandchild, Kuya Ramil, and 4. Guess who? No other than - ME. Yup, you read me right, it was me!
Posted by Phoebe at 6:22 AM
Tuesday, May 6, 2008
Posted by Phoebe at 5:40 PM
Saturday, May 3, 2008
Papa Ghie's place is a couple of miles away from mine, thus we'll have to travel for 1 1/2 hours. I don't mind too much about the distance, what I'm more concerned about is the road going to his place. They say that when it rains hard, it's difficult for small vehicles to pass through. So, since Monday I kept telling Baby Gab's nanny that hope it would not rain this week. (But at the back of my mind, something tells me that hope it would..hmmmm..)
Anyway, everything is set for the weekend stay-over at Papa Ghie's place: Baby Gaby's diapers, milk, feeding bottles, clothes, and the off lotion to keep those mosquitoes away from my baby's delicate skin. (sorry mosquis, you ain't goin' near my bebe). In a while, I'm off to the baker's shop to buy that cake for Baby Gaby's 6th month birthday tomorrow, and of course, the cake for Grandpa's birthday on Monday.
See yah all on Monday!