Category Archives: Personal Finance

Earning Through Blogging (Day 24 #100HappyDays)

I started blogging back in 2008 with this site, and now, I have a total of (*counts with fingers*) 8 blogs, 4 of which I actively update. When I started, I only wanted to write and didn’t think about earning money from my blogs, but when I decided to start my finance blog, it was when I realized the potential of making money through blogging.

Blogging

Fast forward to 2014, I earn a pretty decent amount from my blogs. They’re mostly advertisements placed by different companies (local and international). And for March, I earned enough to finance an upcoming vacation for my family of 3! Cool, eh? 😀

There are many perks when it comes to blogging, but it takes time to build authority, whether it’s through Pagerank or number of subscribers/readers. I’m just thankful and happy that I’m given a chance to earn extra money doing something I love. 🙂

Feeling Blessed… or Lucky? (Day 20 #100HappyDays)

It’s been a particularly good week for me. Usually, I’ll say I’m blessed, but today, it got me thinking – should I say blessed or lucky?

Blessed and lucky

I feel that when I say I’m blessed, it’s like I’m saying that other people who are in a bad situation, whether it’s financially, emotionally, physically or mentally, weren’t blessed enough by God…. that somehow, God loves them less. I refuse to think so.

Should I say lucky? Maybe, but I believe that everything I have now or what I’ve been experiencing is not a product of some miracle. I worked hard to be where I am. My mother (yes, she played a huge part) and I have been through many obstacles and hardships in life to get to where I am now.

Yes, we’re lucky in the sense that we didn’t have to worry about a home since we have a house that is completely ours. Everything else, we worked hard for despite the financial struggles and the emotional stress we had to experience.

I guess I can say I’m both blessed and lucky. I believe God has given me exactly what I needed to be where He wants me to go for my future. For that, I thank Him for everything. 🙂

I Miss Working in an Office… Nahhh

It’s been over a year since I started working online. I love every minute of it, but there are days when I miss working in an office.

Working from home

Don’t get me wrong, I love the fact that I don’t have to wake up 3-4 hours before the start of my shift to prepare and travel to the office. I can even wake up a few minutes before my shift and I’ll be okay.

Working from home has benefitted me because I was able to actually save money. I also get to rest more and have more time for my family since I don’t lose almost 6 hours for traveling to and from work.

With that said, though, somehow, I miss getting up early and preparing for work. I miss getting dressed up and made up. I guess I miss having to look professional at work.

Day to Night Office wear

Not that I’m not professional in my online work. But, this time, there’s no pressure. I can even work while in my pajamas!

I’m sure I’m not the only one. Many of my fellow online workers miss that too. Men wearing their polo or suits to work, armed with their briefcases or man-purses. 😉 Women wearing their high-heeled shoes, skirts or slacks on with their face all dolled up.

Men's office clothes

Of course, aside from this, I miss bonding with colleagues. Sure, I have fun with my team through Skype, but actually being around people is exciting and can be very entertaining.

With all that said, however, I wouldn’t trade my current online work to any office job. Well, unless the office is just a 15-minute ride away from me. That might change my mind. 😉

To my fellow online workers out there, tell me: what do you love most about working from home? What do you miss about working in an office?

I Miss Working in an Office… Nahhh

It’s been over a year since I started working online. I love every minute of it, but there are days when I miss working in an office.

Working from home

Don’t get me wrong, I love the fact that I don’t have to wake up 3-4 hours before the start of my shift to prepare and travel to the office. I can even wake up a few minutes before my shift and I’ll be okay.

Working from home has benefitted me because I was able to actually save money. I also get to rest more and have more time for my family since I don’t lose almost 6 hours for traveling to and from work.

With that said, though, somehow, I miss getting up early and preparing for work. I miss getting dressed up and made up. I guess I miss having to look professional at work.

Day to Night Office wear

Not that I’m not professional in my online work. But, this time, there’s no pressure. I can even work while in my pajamas!

I’m sure I’m not the only one. Many of my fellow online workers miss that too. Men wearing their polo or suits to work, armed with their briefcases or man-purses. 😉 Women wearing their high-heeled shoes, skirts or slacks on with their face all dolled up.

Men's office clothes

Of course, aside from this, I miss bonding with colleagues. Sure, I have fun with my team through Skype, but actually being around people is exciting and can be very entertaining.

With all that said, however, I wouldn’t trade my current online work to any office job. Well, unless the office is just a 15-minute ride away from me. That might change my mind. 😉

To my fellow online workers out there, tell me: what do you love most about working from home? What do you miss about working in an office?

Slow July, Hoping for a Productive August

It’s a cold, gloomy Wednesday and it seems like tropical storm Gener has no plans of leaving the country yet. I usually love this kind of weather, but it’s too depressing because of fears of a replay of typhoon Pedring. I’m just glad that I have a long list of things to accomplish that I can keep my mind off, at least for a while, the flood here our city.

The month of July seemed like forever, especially because of financial troubles I encountered. However, for some reason, it’s now August and I manage to still have money in my account. I spend the end of the month checking on how much I’ve earned and spent the past month, and I honestly don’t know how I was able to get by. And I can’t be more than thankful that at the end of the day, my family can still have 2-3 meals a day.

Saving for a rainy dayYou might think I’m too extravagant for my own good. My expenses from July are not from shopping senselessly online and offline. I was able to take care of improvements in my computer shop business. I pay all our bills here, except for our water bill. I paid off the last credit card bill for my computers at my internet cafe, and I can proudly say they’re now my own! 🙂

I also paid off my Pag-ibig and Philhealth contributions ’til the end of 2012. This August, I’ll be paying for my mom’s SSS contributions and mine. Aside from these, I’m looking at signing us up with a new HMO. My parents and I are not getting any younger, so it’s time to take insurances for the future more seriously than ever. See, I am now thinking of rainy days that might come. Since I started working online and as a freelancer, I can no longer depend on anyone to take care of all these, so I have to do it all by myself. Well, okay, with my mom’s help, of course.

Since I wanted to start seriously earning money online, I needed to buy new hosting, domains and components I’d need for the sites I’m setting up this August. I’m hoping I can get reliable people to work with me for the success of these projects. Good thing there are popular online coupons from websites I can rely on to get much needed discounts for some of my online purchases. I managed to save 1/3 off the usual prices of the domains and new hosting I bought. That’s why I’m now, more than ever, a believer of sites like Coupon Codes USA that provide us with information on promos that we can take advantage of, so the money we save can be used elsewhere. 🙂

Keeping track of my personal finances

After working on my end-of-month report of expenses from July, I have vowed to keep my finances in-check. In fact, I have decided to revamp my blog, Pinay Online Money Maker, to also focus on managing online earnings. It can be a little tricky, especially for frequent online shoppers like me, to save our hard-earned money from our online endeavors. This is why I am taking this more earnestly now because I have big plans for my future.

Any tips on how you manage your personal finances? Please share at the comments section. 🙂