Is One of Your Goals This 2023 is To Save Money? Make Your Money Work This 2023!

Happy New Year, everyone! Are you the kind of person who makes New Year's resolution or goals for the year? I am not the type to make resolutions but more on making goals and making sure I sustain it for the years to come. One of my goals this year is to save MORE than what I saved last year and I just discovered a website that can help me with my 2023 goal! It's the SavingsCalculator.org!

The website allows you to input any currency so you can use this anywhere you are! SavingsCalculator.org has other calculators in their website like College and Retirement. 

With the COVID-19 lockdowns and the current crazy inflation, saving money can be a challenge but it's not impossible so let's start 2023 with a positive note! Savings Calculator has a Goals Calculator. It has 2 separate calculator: 

One is for "How Much" is your savings goal

One is for "How Long" will it take for you to reach your savings goal

With these calculators, you can easily calculate and adjust your savings goal for the year! Now, the hard part is actually doing the saving! I have to admit that I did a lot of online shopping during the lockdown, some were good purchases but some were really just bad budols. The WANT won versus the NEED haha! 

So, here are some money-wise TO-DOs for 2023! And maybe this can help you too!

1. Delete shopping apps - I have deleted a lot of shopping apps on my phone. They're just too much temptation. I've only kept 2 apps which I use both for personal and business use.

2. Keep personal purchases at minimum. Buy what you need only! - Even with the 2 apps I've kept, there's still temptations! Sales and deals all over! Remember: A sale can still happen in the next few months. If you're not going to use it ASAP, you don't need to buy it! I've been a victim of this especially for skincare products and they end up expiring and that's money down the drain.

3. Buy in bulk for necessities - this may sound contradictory to NO. 2 but things like household products and toiletries, buying in bulk maybe heavy on the pocket at first but it's actually more economical in the long run. Buying shampoo, conditioner, laundry detergent, etc. in bulk saves you money and time as well!

4. Plan mall and dining out trips - With the inflation, prices of everything has went up. We have been home buddies since the pandemic but we get cabin fever too! But going out can be expensive. There's gas, parking, a little food shopping and we also indulge on dining out because this momma needs a break from cooking sometimes. We plan our trips, do some errands in the area, and eat within a budget only.

These are just a few tips on top of my head. Please do share your tips with me cause I like to save more! And when you can save more, you can go back to the website and calculate compound interest if you are going invest your savings in bonds or investment funds. You can always go to your bank and inquire about these!

2023 I am ready for you! Manifesting the biggest savings I'll ever have this year!!!

Best Immune-boosting Tips To Bring Into the New Year

According to one study, about 40 percent of American adults make New Year's resolutions. The top three resolutions are related to health. As the new year begins during the coldest months, when colds and the flu are going around, it seems like a smart thing to focus on. With Covid out there, too, you'll be doing yourself a favor by investing in immune support that can help mitigate the exposure to and duration of the myriad types of sickness that are out there waiting to get picked up.

 

Get Fresh Air Daily

One of the reasons that aerobic exercise is so enthusiastically pronounced as essential for a healthy life is that it involves the amount of oxygen that you are taking in and how fast your heart rate is as you're taking it. A normal resting heart rate for an adult is between 60 and 100 beats per minute. Walking, jogging or even stretching out in the fresh air can help cleanse your lungs and lower your heart rate, besides boosting your mood and increasing energy levels.

Keep a Nutritious Diet

Wellements Vitamins can promote health and wellness but they are greatly complemented by a nutritious diet. Studies have shown that a high-fiber, plant-based diet can promote the growth and maintenance of beneficial microbes, which have been known to stimulate immune cell activity. 

There are loads of foods that contribute to gut health and immune system health. Yogurt, sourdough, almonds and olive oil are just a few of the foods recommended for their gut health benefits. Tumeric can boost the immune system by modulating the activation of T cells, B cells and other elements that enhance your body's antibody response. Eating garlic also boosts the number of T cells in your body. 

Vitamin C is renowned for its ability to stimulate white blood cells. All citrus products have this ability, as well as that of neutralizing free radical molecules, which, in excess, can damage cells. Eating raw vegetables that keep all of their nutrients like beta-carotene is another stellar way to use your diet to boost your immune system.

Get Your Rest

Lack of sleep can negatively impact the immune system. Studies have shown that people experiencing a lack of sleep are more susceptible to picking up viruses and for having a harder time dealing with them. When you sleep, your body is in recovery mode and part of that recovery involves the production of infection-fighting antibodies and cells that are critical for your health. Getting sufficient hours of high-quality sleep enables a well-balanced immune defense. 

When you're wondering how to boost kids immune system, there are many similarities to boosting your own. Gut health is important, as are diet and nutrition. Immune boosters and good rest can keep you from getting the worst of what's out there. Even when it does catch up to you, these things ensure that it's not as bad as it might be with a weakened, or otherwise unprepared, immune system. Visit a health and wellness shop today to see the OTC immune-boosting supplements that are available and better your odds of making it through this cold and flu season healthy.

Fun Board Games For Kids All in One Website!

Another month, another kids game website discovery! This time it's very nostalgic because it's mostly board games from my childhood! It's such a fun website that I spent hours playing without me noticing that I've been playing for a long time. It's Board Games For Kids website!

I enjoyed playing Uno, Guess Who, Snakes and Ladders, Minesweeper, Dominos and more!

Classic Uno Game! Don't forget to click on the Uno icon when you have 1 card left because I keep forgetting to do so! Haha!

You can play from 2 to 4 players!

Guess Who was one of my favorite board games when I was a kid. My children enjoyed playing this too! You can choose the questions to ask the computer from a list. It's fun playing online as it is in real life and I won a few times too!

Another classic board game is Snakes and Ladders! I love and hate this game! I love it when I go up the ladder and hate it also when the snakes send you back down! Argh! But it's still fun nonetheless!

Minesweeper is a game I never win at all but still play it anyway because it's exciting! Haha! I remember playing it the first time on my neighbor's computer. You click to reveal blocks, then you can click on the flag button at the top to put flags where you are certain there are bombs.

I remember a neighbor also taught me how to play this Dominoes game! Dominoes is a game which allows a player to compete against 1 to 3 computer players to see who can get rid of their dominoes first. Players must match piece numbers to one of the pieces on the ends and when a player can not make a match their turn is skipped. I love playing this game and beating the computer! haha!

I thoroughly enjoyed playing my favorite games that took me back to my childhood! My kids tried some of the games they know and learned a few new games they haven't played yet. Love the variety of games Board Games For Kids offers and it fun for both kids and adults! I'll stop writing now and get back to playing more games! 

Planning Our Major Car Purchase With Help of Car Payment Calculator!

Our family car has been serving us well for the past 20 years. We have been having a few car troubles in the past few years and my husband and I have been talking about getting an upgrade soon. But since we're still in pandemic and our business has not been doing good as well but it doesn't hurt to plan and set goals right?

Buying a car is a major purchase. What brand, kind of car, automatic or manual transmission, fuel it uses, insurance and of course how will we pay for it? I've tagged along with my parents were going from one car dealer to another when I was younger. I remember my dad would ask us to try to sit in the car if 4 of us kids would fit into it. It was such a fun memory! But I have no idea how car loan payments work! But good thing, I found an online Car Payment Calculator!

Although this website is in USD, you can just assume it's in Peso. For someone who's clueless about car purchases and car loans, online tools like this is such a great help! You can simply input the amount in the blanks and it will automatically calculate for you! For example (photo below), the computation below is for a car with the price of Php3,000,000, a down payment of Php600,000, interest rate of 6%, etc. With this tool, I can play around with the numbers, figure out what works for us and eventually set a plan for our future car!

My husband and I have talked about what kind of car we would want to purchase. It would be a medium-sized SUV which he and I could drive comfortably and confidently because my husband and I like taking long drive trips with our kids. The car should comfortably sits both of my kids as well and ample trunk space for my shopping and grocery trips!

According to Business World, there was a vehicle sales jump recently which is a good sign. But let's get real for a moment, with the uncertainty of the pandemic and oil price hike, we have to be smart about our car purchase and planning trips whether it's just to the mall or going out of town. I discovered there's Gas Budget Calculator on the website under the Operating Costs tab. The Gas Budget Calculator is a great tool  for your existing cars as well! Just choose your type of car, average miles/gallon, number of times you drive per week, etc. The numbers made my eyes go wide! But I'm really glad that I have access to this calculator because it is a big help with budgeting!

While exploring through the website, I discovered there are Car Arcade Games in too! My son found me playing the games and he ended up playing at the website most the time!

The Car Payment Calculator has different calculators in the website and just as the Car Payment Calculator, you just input the numbers and it will automatically compute it for you. This website has been helpful to us especially when I don't have any idea where to start or how car loan works. This makes us look forward to buying our dream family car! And hopefully soon too!

Plan Your Dream Home with Mortgage Calculator UK

When the pandemic started 2 years ago, we had different realizations, priorities have changed, the world stopped and most of us were left clueless. As 2020 passed and restrictions were slowly lifted, I know a lot of families have opted to move out of the city and live in the province or by the beach, now especially with the option of working from home and online distance learning for the kids, you can practically live anywhere as long as there's a stable internet connection. We live in a mid-rise apartment complex, I've lived here most of my life. With the pandemic, I'm sure I'm not the only one who realized the importance of going outdoors, seeing greeneries and breathing fresh air. My kids are getting bigger, both wanting their own room/space, I want a bigger kitchen and pantry and our own outdoor space. 

First things first, buying a house or any real estate is definitely not an easy feat. I remember when I was a kid, we would always tag along with my uncle every weekend, going to different cities looking at properties for sale. I didn't understand then but now I do. There are a lot of things to consider before buying a property like location, accessibility to hospitals, schools, groceries, stable internet connection and most of all the price and how to pay for it - I know I am not the only clueless about this, right?

That's how I discovered Mortgage Calculator UK. Although the website is in pounds, you can just change it to peso. For someone who is clueless about things like me, an online tool like this is a big help whether I am buying a home now or for the future. Simply input the amounts and it will automatically calculate for you! The computation below is an example for a property/home with the price of Php5,000,000 with a deposit of Php1,000,000, etc. With this tool, I can play around with the numbers to find something that works for us. 

Mortgage Calculator UK 

Bookmark this website now!

If we were to move any time soon, I would really love to move out of the city. My husband who grew up in the province has been reminiscing his childhood and if we are to move and I am ok with it, he wants to go back to living in province. There's less traffic and stress and life would be simple too. I would want that too! 

The pandemic is still here and is here to stay but I am hoping that 2022 will be a better year for all of us. I've been reading articles on real estate like this: The Future of PH Real Estate to gauge the real estate situation as well as checking real estate prices at https://www.lamudi.com.ph/. 

The Mortgage Calculator has different calculators in their website and just the same as their mortgage calculator, you just input the value and it will automatically calculate for you. These calculators are really really helpful especially when you don't know where to start. This makes planning/buying your dream home much more reachable/attainable!

PSAHelpline.ph: Steps on How I Ordered My Kids' Birth Certificate and My Marriage Certificate Online

Do you keep records of your kids', husband's and your birth certificates and marriage certificate? I always make sure to have copies at home just in case for school requirements, traveling, etc. There are a lot of ways to get your PSA issued and certified copies like going to PSA (you need to set an appointment) or going to SM Bills Payment Center (I did this once and you need to go back after a week to claim it) but I'm still not comfortable going out as much. Just recently, my son asked for his baptismal certificate for a school requirement which gave me the chance to go over records which I haven't done in awhile. And I found out that I don't have PSA copies of my kids' birth certificate and my marriage certificate. Good thing, I saw a post on PSA Birth Certificate Online Application on Mommy Bloggers Philippines and it gets delivered straight to your home!

Ordering is very easy! Just follow the steps below on how to order a Birth Certificate:

Step 1: Go to psahelpline.ph and click on "Order Now"

Step 2: Choose the certificate type you would like to order

Step 3: Pick an option if you are requesting the certificate for you or someone else. If for someone else, select whose certificate you are requesting it for. 

Step 4: Fill out all of these information

On Page 7, it will ask you the purpose of your request. I just put "for future use". 

After doing all these steps, you will immediately receive an email about your order and it's ready for payment. PSAHelpline has various payment options: online payment, over-the-counter, etc and you can choose the most convenient way for you! Each certificate is Php365, while CENOMAR is Php420.

They also send email for payment reminder, when it's processed, released and when your order has been dispatched. I also appreciate that they send text messages especially for people who are very busy and tend to forget about these things. They also send text messages when your order is being delivered that day. My order was processed on May 12 and out for delivery on May 14.

This is IMPORTANT. Make sure that you're home when your order is being delivered because they do not allow authorization letters or allow another person to receive it for you. Make sure to have a valid ID ready as well. My first delivery was actually a FAILED DELIVERY because I was asleep and my phone was on silent mode. They sent a text that it will be delivered that day (Saturday) but since I wasn't able to answer my phone, it was a failed delivery. I also received an email that it was a failed delivery and it included instructions on how to schedule the next delivery. Since it was the weekend, I wasn't able call to reschedule. 

Good thing, they redelivered on Monday morning! I was awake and ready! Haha! I gave my Driver's License in which the delivery guy copied my license number on his gadget after scanning the QR codes on the packets. Whew! 

Each certificate came in their individual plastic packets. An official receipt was also attached to each of the certificates. 

I also ordered my Marriage Certificate which has almost the same steps except for other information you need to input like your husband's name and date of marriage. They all arrived the same day btw.

PSA Birth Certificate Online Application has made ordering certificates very easy! It's convenient, no need for us to go out and spend for gas and parking and the amount of time and effort to spend on driving and traffic! And with the Senate approving the bill on lifetime validity of birth, death, marriage certificates, Php365 is really worth it! 

Thank you Mommy Bloggers Philippines for letting us know about this service!