.jpg)
February 16, 2023
It's no secret that having bad credit can be a serious obstacle when it comes to money management. Whether you're trying to buy a house, purchase a car, or simply apply for a credit card, bad credit can be a major obstacle to achieving your financial goals. Fortunately, you have options with bad credit, so even if your credit isn't the best, you can still move forward with your financial goals.
.jpg)
1. Create a budget
One of the most important steps you can take when you have bad credit is to create a budget. A budget will help you get a clear picture of your income and expenses, and it will also help you make sound financial decisions. When creating a budget, be sure to track all of your expenses, including things like groceries, rent, and utilities. You should also track your income, such as your salary and any side income you may have. Once you have a clear picture of your income and expenses, you'll be able to set realistic goals and make decisions that will help you improve your financial situation.
2. Improve your credit score
Another option when you have bad credit is to work on improving your credit score. One of the best ways to do this is to pay off any existing debt. Start by paying off the debts with the highest interest rate first. This will help you save money in the long run, as you'll be able to pay off the debt more quickly. It's also important to pay your bills on time every month, as this will help your credit score over time. You should also be sure to monitor your credit score periodically so that you can catch any errors that might be dragging down your score.
3. Consider debt consolidation
Debt consolidation is another option if you have bad credit. It means you will take out a single loan to pay off multiple debts. This can help you save money in the long run, as you'll be able to pay off your debts more quickly and with a lower interest rate. However, it's important to be careful when considering debt consolidation, as you'll be taking on more debt and you could end up in a worse financial situation than you were before.
4. Build an emergency fund
Finally, another option when you have bad credit is to start building an emergency fund. Setting up an emergency fund is one of the smartest financial moves you can do. But what is an emergency fund anyway? It is a savings account that you use to cover unexpected expenses. This can help you avoid taking on more debt in times of financial strain, and it can also help you get back on track financially. Start by setting a goal for how much money you want to save, and then work toward that goal each month.
No matter what your financial situation is, you have options with bad credit. From creating a budget and improving your credit score to debt consolidation and building an emergency fund, there are several steps you can take to improve your finances. The key is to stay organized and focused on your goals, and you'll be able to get back on track financially.
February 15, 2023
When it comes to looking sexy but classy, there is no better garment to don than a white tube bodysuit. With its sleek and simple design, a white tube bodysuit can easily be dressed up or down, making it the perfect option for any occasion.
A white tube bodysuit is a classic wardrobe staple because of its versatility. For a more formal look, you can pair the bodysuit with a blazer and trousers. This creates an instantly polished look that can easily be dressed up with a statement necklace or earrings.
For a sultry and alluring look, wear your white tube bodysuit with a pair of high-waisted jeans and strappy sandals. This look is perfect for a night out, and the bodysuit will hug your curves in all the right places. On the other hand, for a more casual look, you can throw on a pair of jeans and sneakers. This combination will give you a cool, laid-back vibe that’s perfect for running errands or grabbing coffee with friends.
The beauty of a white tube bodysuit is that it looks good on all body types. The snug fit of the bodysuit will give you an instant hourglass shape, while the stretchy material will flatter your curves. Plus, the white color will help elongate your silhouette, making it look longer and leaner.
When it comes to accessorizing your white tube bodysuit, the possibilities are endless. If you’re going for a sexy look, you can pair it with a pair of high-waisted jeans or a mini-skirt. To make the look more glamorous, add a pair of strappy sandals and a sparkling necklace. If you’re going for a more subtle look, you can keep the accessories to a minimum and pair your bodysuit with a pair of statement earrings and a pair of ankle boots.
No matter what look you’re going for, a white tube bodysuit will always make your outfit look sexy but classy. With its timeless silhouette and versatile styling options, it’s no wonder why the white tube bodysuit is such a wardrobe staple. So, if you’re looking to make a statement, don’t be afraid to reach for this timeless piece of clothing.
January 15, 2023
Inflation can take the worst out of your budget and it's not something that is easy to deal with. Last year in October, the Philippines’ inflation rate spiked to a nearly 14-year high of 7.7% in October. According to the Philippine Statistics Authority, the inflation in the Philippines went up even higher at 8.1% in December 2022 from 8 percent in November, bringing the full-year average to 5.8 percent, according to the Philippine Statistics Authority.
This boils down to higher prices of goods including basic commodities. What this means for us is that we have to be a lot more strategic in the way we spend our hard-earned money. Besides, even if the prices of goods soar, ordinary employees' salaries are remaining stagnant.
In this article, I'll share with you some of the budgeting tips I do in order for me to save money amid inflation. These tips are my own and I do not claim to be a money expert.
Tips for saving money during inflation
1. Set a monthly budget
2. Shop smarter
3. Cut unnecessary subscriptions and fees
4. Invest
Bottom line
December 29, 2022
Creating new clothes out of old materials is taking the spotlight in the fashion scene today but it is not actually a new fashion concept. Back in the day, many women have already repurposed katsa (flour sack) into other useful home and fashion pieces — tote bags, potholders, hats, and now, dresses.
Ara Pilak is one of the many sustainable fashion brands that are gaining popularity these days. Like many eco-friendly fashion stores in the Philippines, Ara Pilak utilizes used flour sacks, chops them into panels, and pieces them together to make recycled yet wearable clothing. But what sets this shop apart from others is that Ara Pilak has its own signature design that you’d definitely
It’s crazy how creative people’s minds are. And it’s crazier how resourceful we can be. Imagine making use of whatever is available for making fashion pieces that lets the wearer stand out without hurting the pocket, and most importantly, the environment.
With the continuous rise of sustainable fashion brands, it is not going to be surprising anymore that upcycling in fashion will be the new normal.
❤️❤️❤️❤️❤️
Follow me on FACEBOOK x INSTAGRAM
December 26, 2022 Sual, Pangasinan, Philippines
With the rise of social media, finding the best hotels and resorts that feed your aesthetic is easier than ever. But there are times that what’s shown in pictures does not live up to your expectations the moment you set your feet in the property. That’s why, when you’re lucky enough to find a place that truly pleases you, you’re in for a great vacation time.
Five hours and a half from Manila brings you to a little paradise in Sual, Pangasinan. Situated in the middle of a fishing village, Masamirey Cove Resort boasts of a stunning beach, good food, and chill ambiance — basically everything you’d want to have while you’re on a beach trip.
The beach overlooks many little islands surrounded by gleaming turquoise blue waters, greeting you with warm crashing waves. Those looking for a pristine beach near Manila to unplug from the bustling city life will find it at the Masamirey Cove Resort. It allows you to enjoy a Boracay-like fine white sand sans the crowd.
While there’s a Balinese edge to this gem in Sual, you’d feel that there’s still Filipino touch. Many of its spaces feature nipa hut cabanas and beach lounge chairs made of bamboos.
The resort also offers tons of water activities. From kayaking to island-hopping tours, you’ll never run out of things to do in Masamirey. But what I really like most about this resort in Pangasinan is its lounge beds facing the beach. You get to enjoy fresh air, a good amount of sunlight touching your skin, and the beautiful view of the sea. There are trees covering the lounge beds so you can enjoy chilling by the beach at any time of the day without worrying about the sun rays. As much as I want to bring out all the energy I have, the lounge beds are calling me to just stay put.
As for their food, you’re in for a pleasurable gastronomic experience as everything will give you a bang for your buck. I’m a lover of anything sinigang and to use lechong kawali there delighted me in every possible way.
Nothing beats discovering new places that did nothing but to satisfy you. There’s no denying, Masamirey Cove Resort is an achiever when it comes to that.
Masamirey Cove Resort
So now, I will be listing all the details you need to know about Masamirey Cove Resort in Pangasinan.
Address: Sual, Pangasinan
Family Room Rate: PHP 11,000 per night
Overall look: 9/10
Hospitality: 9/10
Pets allowed? No
Kids allowed? Yes!
Contact information: You may contact them through their Facebook page.
December 18, 2022
I'll be honest — no matter how much I try to keep a positive mindset, there's not a day that goes by that I haven't thought of at least a single dilemma that would question my own life. I started to wonder: is the experience of growing up so bad that we keep complaining about it almost all the time?
In the days leading up to my birthday, every year, I secretly wished that:
- This is the year I find myself.
- This is the year I get to experience the things I’ve been waiting for to happen.
- This is the year I fall in love with myself again and stopped relying on anyone else for happiness.
Here's the funny thing, when we were young, we thought everything we had at that moment was for keeps. But as we age, we slowly realize that not everything is there to last.
There will be a lot of disappointments, countless heartaches, and soul-crushing heartbreaks but all that is a part of the adulting experience. And, you may end up feeling betrayed not only by the people and opportunities you held dearly but also by your own emotions to the point that you want to build a wall around you to stop letting everybody in.
It may be difficult to accept but the reality is that as we grow up, priorities change and we become our own person.
I guess the most valuable lesson I’ve learned so far is that it’s okay that our dreams change. Although some of our childhood expectations are far from reality, there are “unplanned” dreams we never thought we’d ever get to fulfill, and things we unexpectedly discovered among ourselves that we never thought we were capable of.
No one ever said growing up would be easy. But hey, it has its fair share of fun, too. Growing up allows us to meet different versions of ourselves. And each time it puts us through both difficult and easy situations, we come out as different persons. So, let's embrace what this adulting throws us. Let's embrace its certainties and precariousness. Because when we do, chances are that we leave no room for regrets.
Skirt from Revolve
❤️❤️❤️❤️❤️
Follow me on FACEBOOK x INSTAGRAM
December 15, 2022
Residing in condominiums is an obvious choice, especially for those who choose to live within central business hubs. But more than the perks of being near your workplace or your school, what draws people to choose condominiums is the lifestyle it offers. From the fewer maintenance responsibilities and 24/7 security to its proximity to public services and transportation, living in vertical villages has a lot of advantages. And if you're someone who enjoys the outdoors so much, possibly the most likable perk by far, is the free and full use of facilities that would probably not be available in a stand-alone home.
This is why Camella, the country’s premier real estate developer with the widest geographic reach in the Philippines, realized that to meet the growing needs of their markets, the brand had to expand upward. Camella is evolving its well-loved concept of horizontal-themed neighborhoods by re-creating its residential communities as resort-themed “vertical villages.”
Rising upward and taking Filipino families along for the ride
In six cities — Laguna, Lipa, Puerto Princesa, Bacolod, Butuan, and Davao — Camella has blueprinted seven mid-rise tower communities to date. Camella’s vertical villages are purposely resort-themed: offering landscaped open spaces, pools, function halls, play courts, gyms, and roof decks — amenities that create perfect daily vacations, so every home becomes a private escape. The properties are a blend of the conveniences of a condominium and the facilities of a horizontal village. They are mid-rise towers to lessen the population density, allowing for more privacy and breathing room. They also offer the movement and space of an open village, all this grants its residents a markedly loftier lifestyle with a spread of living options — all nestled in a modern sky-bound tower within, or very close to, bustling business and commercial hubs.
For over 40 years, Camella has been building high-quality, great-value homes, creating well-loved and, often preferred, sanctuaries where Filipinos can raise their families. The Camella communities are designed to be the spaces where the most incredible memories are made. They are always beautifully themed with landscaped green spaces, lifestyle facilities, and business establishments integrated into master-planned neighborhoods. During those years, the Brand became an expert in what Filipinos hope for. This understanding of their market gave Camella the ability to build the communities where Filipino families feel most comfortable — the places they can call theirs, where they are happy to create their memories and their futures. This knowledge made the brand realize that it had to build upward to offer its future homeowners the ability to live near their places of work and lifestyle centers. Thus, the brand expanded its community portfolio from themed community concepts into resort-themed vertical villages, not just creating amazing places to live, but also guaranteeing that every Camella vertical village is a valuable investment.
A new vertical village rises in Laguna
After developing the thriving community of Camella Baia in Bay, Laguna, Camella is elevating the life offered in the locality by master planning the first, and only, a resort-themed condominium in Laguna. Meet Camella Manors Upstate — ready to rise in the beautiful Bay.
Bay — pronounced “ba-ee” — is one of the oldest towns in the province of Laguna, and its first capital city. It languidly wraps around the southern shores of Laguna de Bay, the country’s largest lake, and while many believe that Bay got its name from the lake, the opposite is true. The lake was actually named for the town.
Laguna itself lies just southeast of Metro Manila, contiguous to the CDB and sharing the shores of Laguna de Bay. Bay is actually easy and breezy one-and-half hours away from the NCR, on a good day. The trip offers a delightful change of perspective from the rush and buzz of a modern metropolis to the rich greenery, quiet towns, and micro-farms that blanket one’s field of visions for mile after charming mile.
Rising to a life of dreams on so many different levels
While coming in rife with the same popular amenities Camella communities are known for, “Upstate” now offers this lifestyle to Laguna’s denizens. For the health buffs, there will be a basketball court, jogging paths, a play park, and a swimming pool. There will even be a pet park for animal lovers.
A Clubhouse will gather the residents together in celebration and much-needed bonding. The towers will come with roof decks to enjoy the lovely Laguna sunsets. Here, Camella Manors Upstate will offer relaxing seating, pocket gardens, and the best views in town.
The towers will be “smart buildings,” including key card entry and alarm systems in the units. They also come with fire and smoke warning alarms, a sprinkler system, and, for even stronger security, full CCTV coverage in the common areas. “Upstate,” is a beacon of progress and convenience amidst business and commercial centers, service centers, top educational institutions, places of worship, and major transportation hubs — offering both easy access to whatever one needs in the day-to-day, and the quiet sanctuary of a home within a well-managed private residential neighborhood.
Beyond this, Camella Manors Upstate opens opportunities for investors wishing to take full advantage of the continuous growth of real estate and industry in South Luzon. One mustn’t forget that the area is also one of the fastest-growing tourism hot spots.
Offering an elevated lifestyle is the key vision built into the master plan of Camella Manors Upstate. Camella’s condominium communities are an amazing way to live. They are designed to allow one to dream loftier dreams... sometimes even beyond one’s expectations.
To know more about Camella Manors Upstate and other condominium projects, visit https://www.camella.com.ph or follow us on social media @CamellaOfficial.
November 29, 2022
As someone who works day and night, getting a night of quality sleep can be a struggle. It becomes even more difficult when I am stressed. And when I don't get enough sleep, I'm usually cranky the next day. Let's be real — sleeping dictates our health in general, and the kind of day we will wake up to.
While the room ambiance and temperature play huge roles, getting quality sleep is typically dependent on the kind of mattress you sleep on. This is why, Uratex is staying true to its mission of providing the best sleep experience through high-quality mattresses, foams, pillows, and other sleeping solutions.
Their latest innovation? The Senso Memory Frost Collection!
The mattress that keeps you cool all night
The Senso Memory Frost collection is infused with DuoFrost Technology. It consists of Senso Memory foam coated with cooling technology which also adapts to the body’s contour and a cool-to-touch fabric for an instant cooling sensation. This new collection is up to 5 degrees cooler than Uratex’s previous Memory Foam Mattress. It also prevents heat build-up for sustained coolness and thermal comfort.
What you'll love about the Senso Memory Frost collection
- They are covered with Cool-to-Touch Fabric, a premium knit fabric for an instant cooling sensation.
- Its Senso Memory Foam is also coated with cooling technology, which also adapts to the body’s contour providing superior comfort and relieving pressure points.
- The products are also sanitized to effectively prevent bacteria, odor, mildew, and dust mites, keeping the mattress clean and hypoallergenic.
- Both Senso Memory Frost Mattress and Topper are Quality-Guaranteed and offer 10 years of warranty.
Have a good night's sleep with Uratex | Enjoy huge discounts!
I know mattresses can be expensive but investing in a good one will do more good than bad! But don't worry! If you want to get a Senso Memory Frost Mattress from Uratex, you can enjoy up to 30% OFF when you purchase here! The promo runs until December 31, 2022 only. You can also get one (1) Senso Frost Pillow with every purchase of Senso Frost Mattress from December 1 to 31.
For more information, follow @UratexPhilippines on Facebook or visit Uratex’s official website and official stores in Shopee and Lazada.
Social Icons