10 Financial Tools and Tips That Can Help You Stick to Your Budget and Grow Your Money This 2022

We’re heading to the 3rd week of the new year. Have you started working on your 2022 goals and dreams yet? Perhaps, my previous blog post can help you as I shared there 3 strategies I use to reach mine —> How to Get Anything You Want – 3 Strategies to Help You Achieve Your Goals in 2022

If your 2022 goal has something to do with finances like mine, then stick around because I’ll be sharing with you some basic tools and tips I’ve used and continue to use to keep my finances in check, stay out of debt, thereby helping me save more, invest more, retain a good cash flow, and let my money grow

I think even before one thinks about the more complicated nature of finance, it is best to tackle the basics first which is HOW TO BUDGET RIGHT. I believe this is an area where many of us fail from time to time, if not every single time! I’ve been there in my 30’s. I’ve always wanted to budget well but I’ve always ended up in debt… huge debts to the point that my precious house – the product of my own blood, sweat, and tears — almost got repossessed by the bank!                                    

Good thing I was able to start getting out of that rabbit hole and just before I hit my 40’s, I was finally debt-free! I even managed to finish my home mortgage payments back in 2017 making me a proud home owner of a two-story townhouse in one of our capital’s central business districts where real estate prices go high! I’m about to turn 44 next month and I’m happy to say that I’ve maintained my debt-free status ever since. Perhaps you might think it was wisdom that comes with getting older coupled with discipline. It’s both, but it’s also more than that too. I’ll share with you the basics below. 

The financial tools and tips I’ve used to help me budget well and which can help you stick to your budget too are as follow:

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How to Get Anything You Want – 3 Strategies to Help You Achieve Your Goals in 2022 

As we begin our journey this New Year, many of us think about having new goals, new dreams, and basically how do we get about achieving them. I’ve thought about these things myself. Mine in particular is about increasing my net worth to a particular amount and this involves budgeting all of my money and assets well. This thought has been ringing in my mind since late last year, especially after Typhoon Rai hit us and I knew in my gut that I should make this financial goal my number 1 priority. 

So, to help me dissect the process of how I’m going to achieve this particular financial goal of mine this year, I listened to a podcast by Marie Forleo discussing the topic “How to Get Anything You Want?” This can actually apply to getting anything you want this year — whether it be getting your life back together, having the kind of relationship you want, traveling to a particular place, getting the job or career you want, setting up your own business, winning a nobel prize — you name it and the strategies here will help you make it happen.

I’ll share with you below the notes I took so that you too, can have some ideas on how to achieve your goals for 2022, especially if it’s a financial goal like mine. 

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Typhoon Rai (Odette): Nightmare Before Christmas 

Just when you had everything planned out for the remainder of the year — your tasks, projects, finances, celebrations… the biggest typhoon of your life hit you — metaphorically and literally. 

We were minding our usual business… I was working and finishing my deadlines for the week and getting ready for client meetings. Mahal was busy with the resort. Everyone was working. Though we were getting news reports about an impending typhoon, upon checking, the eye of Typhoon Rai or locally known as Typhoon Odette won’t be hitting us but instead, it will head straight to Cebu City which is 3-4 hours away from where we are. We had plans of doing our Christmas shopping there that weekend so we figured that we just had to reschedule. Plus, we’ve already experienced so many kinds of weather conditions here that we became complacent. We felt confident that it’s just another one of those storms. There could possibly be a brownout (electricity getting cut off) that will last for an hour or two, or at the most overnight, but that was it. We didn’t do any kind of preparation at all — we didn’t save water; we didn’t charge our phones and electrical devices; we didn’t check if we still have enough gas; we didn’t buy supplies… nothing. It was as if it was just another day in our beach kind of life

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The Root of Happiness (And How I Found It Around Halloween)

I’ve been listening to Rob Dial’s podcasts. He’s a mindset mentor and one of the things he discussed was about happiness and the root of it or the key to achieving it. He based it on what Will Smith said before that it’s not the material things nor money that will bring you happiness (I think many of us know this already), but it’s peace. Peace is actually what I have been experiencing just recently, around Halloween time. It’s not because Halloween is my most favorite time of the year and this year’s celebration has been the happiest Halloween I’ve had so far (I thought last year’s Halloween celebration was the bomb! Didn’t think we’d top that off this year!), but it’s more than that. 

I’m not sure if I mentioned it here before or in some other diary of mine, but living here in Oslob, for as long as I can remember, wasn’t really a good idea for me because I know and I feel that there are people here who don’t like me… they don’t like me because I’m with Mahal… because I used to be married to someone else… and maybe because I am just the kind of person they couldn’t believe achieved so much in life without much help from others. The way people think here is that you can either only be successful if you work abroad or if you’re married to a foreigner. I’m neither, so, maybe that boggles them. Honestly, I don’t really know why they don’t like me. The reasons I mentioned above are just my assumptions. 

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5 Things You Can Do Instead of Social Media (Facebook Disabled My Account and I’m Thankful!)

Oh my goodness! 

It’s going to be Christmas soon, then New Year, and I still haven’t blogged about the things I’ve always wanted to blog about (like the happiest Halloween we’ve ever had)! As usual, so many joyful and exciting things have happened and continue to happen in my life for which I am very much thankful! I’m living my dream beach life and each and every day I try my best to spend it as if it were my last but without sacrificing my health too much this time around (hence, I’m not forcing myself to stay awake and do more than what my 16 waking hours would permit) coz health is one thing that we really treasure the most these days plus, at this day and age, it could really be our last with Covid around and this endless pandemic!

Anyway, it’s a blessing in disguise that Facebook disabled my account last Friday night just because I was posting photos of Mahal and Tuz in a five-star resort bathtub! They weren’t fully naked and I didn’t know bathtub photos were not allowed so I immediately deleted the post only to be disabled afterward. I can’t post, I can’t comment, I can’t react… and it’s going to be for a week! Argh! Has this happened to you before? What did you do? 

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reduce stress

3 Simple Ways to Reduce Stress During These Hard Times

How are you? We are on the 18th month of this pandemic and so many things have already happened… deaths left and right… Covid getting closer and closer to home (if it hasn’t hit yours already… it surely did mine. 5 of our family members caught Covid and thankfully survived it despite not getting vaccinated)… businesses shutting down… people suffering…. freedom getting suppressed in many places around the world…. and all this is starting to get on my nerves. Do you feel the same? Am I alone in feeling this way? If you’re on the same boat as I am, don’t fret. There are ways we can do to try to ride these waves. And we must. I just read an article on Bloomberg that this pandemic can last for a really long time. We can’t just give up, can we?

So what can we do to help reduce our stress during these hard times? Let me share with you some ways we try to do at home to help cope with this depressing worldwide situation:

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ON SURVIVING THE 7-YEAR ITCH ON OUR 7TH ANNIVERSARY AND STRIVING TO LIVE A BEACH KIND OF LIFE DESPITE THE PANDEMIC

As our 7th anniversary was fast approaching, I was tapped by Mommy Ruby of CDO Bloggers Group to participate in a campaign by a certain insurance company. It was about being stronger now despite whatever it is that we are struggling with. What came to  mind was about being stronger than my demons because as I’ve mentioned before, my emotional and mental health haven’t been that well lately. 

Below, I am sharing with you the original draft of what I wrote in that campaign which in a way helped me recognize my power, my strength, and sense of resilience.  

And further down below, You can watch the entire video on how we spent our 7th anniversary despite the lockdown here in Oslob. ❤❤❤

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ENJOYING THE SARDINE RUN AT MOALBOAL, CEBU… A SCUBA DIVING ADVENTURE

Yey! We’ve now come to the 3rd part of our scuba diving adventure. Whew! It really took me a while, huh? So sorry about that. Aside from being so busy the past several weeks (which I told you about on my previous blog post), my mental  and emotional health haven’t been so good the past couple of months. So whatever strength and joy I still have in me, I just divert them to my priorities which are my work, Tuz, and our family.  

Anyway, I’m so happy to be publishing another blog post today and I hope to do it more frequently (Daily perhaps? Before I start my day at work like now? Hihihi! ) Writing about anything and everything about my life continue to be cathartic for me especially during these uncertain times and I’m happy to share whatever I can with you, my dear readers. Thank you for always checking me out!

So again, let’s dive in!

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Discover Scuba Diving: DAY 2 at CEBU SEAVIEW DIVE RESORT in MOALBOAL

Oh hi there! I know it’s been a while but I haven’t forgotten you. 😉 Work has just been so overwhelming (I just recently got another new client so yay for me!) but I don’t want to complain considering that we are on the 2nd year of this Covid-19 pandemic. Having multiple work, being able to pay the bills, and being able to buy stuff we need and want at this time is very much a blessing so I can’t complain. I must not complain! How about you? I hope you’re all still doing okay wherever you are. 

Me, I would just like to give myself a little more pat on the back than usual because I also take care of our home (a.k.a. chores); I take care of Tuz and his home school activities; I take care of Mahal and his needs… I’m a superwoman! Lol! The important thing is we are all still fine, healthy, and thriving. Just recently, a few of our neighbors have died from Covid so we are just really thankful that we are all still okay. Thank you, God! Of course I am worried all the time which adds to my energy getting depleted a lot faster than usual that I’d resort to watching Netflix (currently addicted to Grace and Frankie) to relax and chill after work is done instead of blogging, vlogging, and finishing all those online courses I bought (which was my original plan but all this anxiety is getting me bogged down). So today, I am ending my inertia (of blogging laziness) by updating my blog and hopefully getting started with Marie Forleo’s B-School (after I finish her book Everything is Figureoutable). Mondays and Tuesdays were supposed to be my blogging/vlogging days that got replaced by beach days. Yes, you can find us at Mahal’s sister’s private beach every Monday and Tuesday, swimming, snorkeling and picnicking (and soon paddle boarding once I decide to buy a paddle board online). Saturdays and Sundays have become our chore days (laundry, doing groceries, cooking big batches of dishes for the whole week, Mahal doing his hobbies like bonsai-making, and me planting herb seeds and taking care of our little herb garden if I’m not playing with my guitar or reading. I also plan to add painting to my weekend repertoire). Then Monday-Tuesday we’re off to the beach, then Wednesday-Friday is where I focus on finishing my work deadlines. It’s a simple but good life (for me at least coz being productive and busy with so many different things makes me worry less). I’ll blog about our Oslob life once I’m done getting you updated with our scuba diving adventure. 

So let’s dive in! 

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