LIFE LESSONS

Financial Thoughts Amidst COVID19 Pandemic

Because of this COVID19 pandemic, I have learned a lot of lessons about my finances. As a private school teacher, I am blessed enough to be compensated despite this pandemic. However, for the next few months, I am still unsure if I would have a stable job or income like this.

I have listed some of my important lessons on finance amidst this COVID 19 pandemic.

I hope this could help you reflect on your own finances as well. I am not an expert on this. I just do some things that would make me look like a responsible adult.

Buy what is essential.

Before this pandemic, I cannot live without milk tea, frappe, overpriced coffee, and some snacks. I always passed by the nearest convenience store near our school. But now, I realised that I really do not need these refreshments. I could be satisfied with the usual coffee that we have at home. Also, snacks and refreshments could just be as simple as a slice of bread, pancit canton, or a piece of banana.

Having an Emergency Fund is a big help.

I do not mean that I have plenty of money, but I could say that I am blessed enough with some privileges that made me save money. Having an emergency fund is really helpful in times like this. I could simply turn to it just in case worst scenarios happen.

Stocks, VUL, and Insurance matter.

Yes, they matter. However, I am not sure whether you are capable of getting one in times like this. We do not know until when this crisis would be. But, if you have spare money to avail these, then you may do so. This is a perfect time to invest on these specially the prices are low. You have to reassess your finances whether you can have these or not.

Invest on a good home.

I do not say house. But, I hope you can find a good home where you feel loved and accepted. Material things or furniture does not matter; what matters is you are comfortable at home. With this, it is really important to invest feelings on the right person. Hahaha.

Look for Sidelines

If you’ve been reading my blog, you’d know that I have tried several online jobs. I worked as a teacher in 51talk for a month, and as a freelance writer on Upwork for five years. Having another source of income is a great help. You can also try setting up an online store. These days, I see a lot of products on Facebook. I believe social media would help you reach your target audience.

Final Thoughts

I live in a country that is full of uncertainties. I worry because my job depends on how the government would handle this crisis. As of this writing, I can only hope for the best. Right now, the most practical thing that I could do is to spend less, work more, and try not to eat a lot. I have to settle with the resources that I have at home. Lastly, I should always pray and be grateful to God for showering me and my family with His grace.

How are you, friends/readers? I hope you are all doing well.

PERSONAL

My Quarantine Routine

Staying at home for two weeks is tolerable. But, staying at home for two months is a bit challenging especially for an outgoing and busy person. I am used to doing lots of works all the time. I always plan my schedule one month advance. Hence, to stay too long at home is a challenge.

Good thing, we were able to cope. I decided to make my own routine *wow* to be productive without pressure. What is my quarantine routine?

My routine has no specific timeline because I still want to be kind to myself. I have decided to take a break from too much work.

Upon waking up, I drink water and play my wake up song on Spotify. When that song ends, that means that I have to get up. Sometimes, I change to my yoga clothes. After yoga, I prepare my breakfast. Of course, I would not miss my coffee. Then, I take a bath.

After my morning routine, I need to start working at 9:00AM until 12:00NN. If I finish my task earlier, then, I can have free time to scroll on my social media accounts.

I eat lunch at 12:00NN. Sleep from 1:00PM to 2:00PM. I force myself to go back to work at 3:00PM. Then, I take a break at 4:00PM. I usually take my early dinner at 6:00PM. Then, watch news and series later on. Sometimes, I evaluate my day whether I was able to achieve something or not.

Up to this writing, I was able to write more reflections on my Facebook page. Then, I also made vlogs for our diocesan youth page and St. Paul’s Facebook page. Also, I watched more series. I learned how to cook by myself.

Stay at home, friends, and always wash your hands.

9D5C8771-CEB1-4A65-BE65-2EDBBCE5283C-1582-000000EDFCB521DF
Here is a post-vlog photo endorsing my books. :>

LIFE LESSONS

The Art of Saying No

This two-letter word seems the hardest to utter. I always try my best not to say NO because it feels rejecting opportunities along my way. Also, it seems refusal to life’s learning. I have associated the word NO to rejection and negative thoughts. Thus, I am uncomfortable to say this, especially to my friends, and to my family.

However, there came a time when I reached the point when I had to squeeze all my activities in one day because of my numerous YESes. My whole weekend was filled with lots of commitments and hustles that I need to comply with. This happened because I did not say NO. I said YES even if my time forbids me.

My weekdays after work were also compromised, too. I had to meet people for ministrIES I’ve committed myself into (because I believe I can manage everything back then). I compromised the days when I can spend time with my lola who was with me the whole time around because of the talks I’ve accepted as well.

I tried to tie everything in one rope, not realizing that this rope may become loose soon.

There also came a time when I felt unhappy on what I was doing. I dragged myself for the sake of completing the task. I totally lost my passion on my task because it no longer satisfies my spiritual growth. I was drained and found myself ranting all day long. This never contributed to my personal growth. Thus, my co-members in that ministry felt the same. It’s a sign, my thoughts said. Then, we all found ourselves resigning from that group.

It’s true that a simple NO is a YES for the betterment of ourselves.

I also stopped spending my weekends on the events that do not add value to my life. I refused a thousand-peso-worth speaking engagement just because prefer contributing to people who genuinely believe in me as a writer. (My practical self vanished.)

Right now, the art of saying NO is saying YES to genuine opportunities that life has to offer. It’s not about closing the doors. It’s more of reminding yourself that there are times that you need to turn down certain things that could make you worry at the end.

I believe it’s not too late to know where to spend my nonrenewable resource, which is time. Cheers for more time well-spent!

Have you ever felt stuck between a YES and a NO? Share your thoughts, perhaps?

LIFE LESSONS

For your exhausted heart

(Photo credits to the owner)

You are stressed at work. You are preoccupied because of the deadlines that you need to meet. You cannot cope up with meetings and assemblies because of these forced tasks that you have to do.

You are worried. You feel weak. You are afraid to tell everyone about it.

You are forced to work because not doing it results to something. Not doing it gives you more reason to do it.

You feel worried, because at some point, this job has given you reasons to hope. At first, this job has given you enough reason to live.

At this moment, you are unsure about your goals (not really because you have lots of it).

At this moment, never forget that you are loved. As quoted, “You are loved maybe not by the world but by the One who Created the World.” Definitely, this is what we call unfailing love. It keeps you going. It keeps you going. It never makes you feel weak and small.

You are loved even if you are worried, Someone up there stares and assists you. You have to feel His love. You have to entrust yourself to Him. Send Him your doubts, fears, and rejections. Give Him your burdens. Rest assured, everything will be fine.

As what the Lord says, “If you remain in Me, and My words remain in you, ask whatever you wish, and it will be given to you.” (John 15:7). 

God has given you tasks to accomplish because He knows that you can do it. He has given you challenges because He knows you can overcome it. For every mountains that you need to push, He is always beside you to keep you going.

Never be afraid to work alone. Your mind must be tired, but God keeps your heart in proper state. Your heart is always in His hands.

You are loved. Keep that it mind. 

*Holy Week Reflection — Holy Monday*