WHAT NOT TO DO WITH YOUR CREDIT CARD

What not to do with your credit card photo back ground

background photo from here.

Credit cards are awesome. Let’s face it, having one is a really big help to one’s lifestyle. But, it can also ruin your financial health. I’ve seen people use it to buy what they need, what they like, what they want but don’t really need and then end up cutting the card up simply because they can no longer afford to pay for it. Usually I see this among some of my former office mates who are just starting work or just getting their first credit cards and usually, instead of using their credit cards wisely, they end up losing more of their money to credit card bills than having it stored somewhere for investment of safe keeping. To be completely honest, I probably had committed some of those first-time-credit-card-holder mistakes and I thank God my mother had the sense to give me a supplementary card instead of allowing me to get my very own credit card first, otherwise I would have killed my savings to the point of no return!

So I’ve decided to list down a few things I’ve learned not to do with my credit card to avoid unnecessary bills and ruining my budding financial health (yes, because I treat my bank accounts like my body, I take care of them as if money is their life source as food and water is to mine).

1. Do not, under any circumstance, apply for one unless you really need it and if you fully believe you are capable of facing the consequences of having one. For me, I believe this is the most important thing to consider when you apply for a credit card. Make sure you are getting one because you absolutely need it, like say, you need to buy a new piece of furniture or appliance for your house because your old one broke and since some credit card companies offer a 0% instalment, it can totally lighten up the burden of having to take out a huge chunk of your savings that could have also been allocated to other necessities; or you need to use credit cards for groceries because you never can tell how much food you’d need and you don’t really want to bring a huge wad of cash while strolling around the grocery store; or you need to use a credit card for emergencies, you suddenly get an allergic reaction and you need to buy meds straight away but you’re out of cash, credit cards can come in handy at times like this, and you probably would need to get one. Just remember that with credit cards you have to be mindful of how much your charging into it otherwise you’d be in for the shock of your life once you receive the bill.

If you’re planning to get a credit card so that you can get that hot new pair of Louboutin’s or to use it for that Forever 21 mega sale, then stop right thinking about getting one now. You won’t be able to handle it.

2. Do not use it to buy what you want, use it only what you need to have. So now you have a credit card, yay! A lot of people usually get a sense of freedom when they get their hands on their first plastic card and often will feel a certain rush when you use it to pay for things and not spend money on it immediately but remember, just because you’re not shelling out cash up front, doesn’t mean you aren’t spending it. Credit card companies only allow you to use credit cards so that you can “buy” something you need while you pay for them later. So before purchasing that gorgeous YSL pumps (or whatever it is you want but don’t need) with your credit card that has X amount of limit on it, ask yourself, can you actually afford that or are you only going to be able to buy it because of your credit card? If you answered yes to the latter, then obviously, step away from the shoes, girl! Just because you’re credit card has a huge limit to it doesn’t mean your bank account does! If you don’t have the same or larger amount saved than your credit card’s limit, don’t even think about using your card. The basic rule I follow with using my credit card is that if I don’t need it, I won’t swipe it. Actually, I think that same rule applies to my money too. Remember, self-control is the best way to protect your savings, always think long and hard before using your card to buy something.

3. Do not spend beyond your paying capacity. I think I briefly touched this topic in the second one but I’ll elaborate more on it here. As I’ve said above, if your bank account doesn’t have the same value or higher than your credit card’s limit, then don’t spend anything beyond your limit (by your I mean your savings) simply because if you can’t afford to pay for your credit card’s full limit then chances are you’re going to drown in debt just because you kept using it without thinking twice, maybe even thrice about what you’re even using it for.My rule of thumb is if I reached at least 10%  (maximum would be 20%) of my credit card’s limit then I’m going to stop using it until I’ve paid that off, use cash instead of my card or if it really can’t be avoided, I’ll lessen my use of it as much as possible. This is because even though I have a credit card, I can only use it up to a certain amount I feel safe and comfortable with, an amount I know I can afford to pay back once my bill is due. This allows me to watch my expenses and make sure that I don’t get fined by the credit card company because I failed to pay on time.

4. Do not miss paying your bills on time to avoid unnecessary fees. This is probably a major saving tip. Credit card companies will always charge you if you pay your bills late. This charge varies per company but it can range from 2% above so think about it, if your bill is somewhere along php 10,000 ($200) every month and your credit card company charges you 2% for paying late (php 200 or $4) then you just lost money you could have allocated elsewhere! I mean sure some of you might think that 200 pesos or 4 dollars isn’t much but keep missing paying that bill on time and let’s see how much accumulated 200 pesos you’ve lost by then!

I’m sure you’ve noticed that these are pretty simple and basic but so far basic is working for me and I hope it works for you too! Use your credit cards wisely and avoid becoming a Rebecca Bloomwood before the green scarf!

Always remember, needs over wants to avoid unnecessary fees and a sad bank account! 🙂

xx

Sarah

5 ways to stay “cool” when meeting your EX’s current girlfriend

I knew my Ex has a girlfriend and I felt a slight pang when I saw them on facebook, I thought “well that’s normal since we both had fun playing should we or shouldn’t we take the plunge”. I realized he was not my forever because we were never on the same page; fuck we were at different chapters he was still at chapter 7 and I was at chapter 34.

Despite the fact that we respect each other I wasn’t ready to see him but we had the same group of friends (side note: don’t date a friend) thus seeing him is inevitable. Last night I saw him with his girlfriend at my friend’s house even if both of us wanted to leave immediately. We both played it “cool” and I like to believe I played it “cool” better.

Smile and greet them.

First reaction is always the giveaway. Even if you think he had downgraded because the girl has humungous teeth and literally a big head or he has found a catch because you can’t help notice how flat her tummy is, how perky her boobs are and how smart she is because of her fancy medical school; just smile and greet them like you normally do.

Don’t sound like a bitter ex-girlfriend.

Yes, you could have drop the “one man trash is another man’s treasure” line but don’t— please don’t say it.

Do make small talks

Don’t ignore them everybody can feel the elephant in the room the best way to break it is talk to them. I know it hurts every time you see his arms wrapped around her tiny waist or the way she makes him laugh; shake those off and ask her name and what she does. Even if you already know based on your mad social media stalking skills that she has a pet cat and she dyed her hair pink in the summer of ‘09 or that she’s good at baking and school, she’s practically a hybrid of Martha Stewart and Marie Curie.

Don’t brag but give subtle hints that you’re seeing people.

The first thought I had when I saw them is I should brag about Guy Y so that my ex would know I’m back in the game and moved on but I didn’t, I just mentioned that I’m dating and taking things slow.

Find humor in the situation

You have two choices act like the situation is bothering you or laugh it off. My asshole friend told my ex’s girlfriend if he knows who I am instead of acting like a sourpuss and give a stink eye, I turned it around and mentioned I was the crazy ex and joked about how awkward the situation is. Everybody laughed and the tension was gone. Finding humor in situations like that is essential especially if you know that the setting right now stings just pretend you find it funny and eventually it will be something you’ll genuinely laugh about.

Fall 101: The Island Girl’s Guide to Fall.

Living in a tropical country is the best! But sometimes humidity and heat takes its toll even for a beach lover like me. So when my family planned to go to South Korea this fall, the first thing I thought “Oh Sh*t this will be cold” because the last time I’ve experienced fall was in New Zealand and damn that was hell for me.

So here are the things island girls should remember during Fall: 

Basic Mismatched

 Don’t be afraid to do mismatch, the safe way to incorporate two different patterns is do the same color palate. I bought the jacket at Myongdong (Korea’s Shopping mecca) and it was love at first sight!

 
Mismatched Madness

Mismatched Madness

Jacket: Myongdong 
Skirt: Topshop
Socks: Forever 21
Shoes: Thai Market
Bag: Nine West

Autumn Colors

Autumn colors looks good in everyone, just think of orange and red. As a huge Scooby Doo fan I did a Velma Inspired outfit.

Autumn Colors
Autumn Colors
 Jacket: Ukay Ukay (Thrift Store) Got it for 200 Pesos!
Dress: Uniqlo
Bag: Myongdong Market
Tights: Forever 21
Scarf: Davao’s Aldevinco
Shoes: Hand me downs

Wrapped it up! (Think Blair Waldorf)

 Tights and scarfs are your best friend! Oh also knitted dresses.

Blue's Clues

Blue’s Clues

 (sorry for the resolution, I used my iphone the entire time I was there)
Dress: Mongkok Market
Bag: Myongdong Matrket
Tights: Forever 21
Boots: Hand me downs
Scarf: Promod

 

Show me the Bold

Don’t limit yourself with Autumn colors go bold! Wear anything you want! Just don’t forget your scarf and tights!

Show me the Bold

Show me the Bold

Dress: Zara
Bag: Myongdong Market
Scarf: Promod
Boots: Hand me down
Jacket: Ukay Ukay

 

I had so much fun dressing up in South Korea and the people there are oh so fashionable. Will be posting some on the fashion pieces I’ve picked up in Korea and the places and foods to eat soon! Bye for now.

XOXO

F

Catch me if you can: The Ups and Downs of the chasing someone that’s not into you.

The feeling of chasing someone that’s clearly is not into you is like an addicting drug. First you’ve gain interest on the subject. Research about it, get fascinated, and entirely be consumed with the thought of it. You started create countless scenarios on your wedding day or your anniversary or even the warm snuggles on a rainy day. Then you’ve gathered enough courage to tell him your feelings but he didn’t feel the same way. You stopped for a while, feeling devastated but the devastation turned into determination. You have to have him. The more he became emotionally unavailable the more interested you have become. Eventually, complaining to your friends on how you’re questioning your self-worth and they’ll console you tell you to stop this addiction. You thank them for realizing he’s not worth it but eventually a text from him will put you back into the downward spiral you’ve created. Words like “He’ll come around and he’ll think of me as a prize..eventually or I’m his last destination he’ll realize that” will always come into your head. Here you are again the adrenaline of the chase it feels like an emotional marathon but the finish line is far from over but you’re enjoying it because you know this all worth it in the end.

Optimistic you are at the outcome.

Then the moment has come; he said he loves you too.

Those words you’ve been wanting to hear has finally came. His devotion for you is uncanny. But suddenly the addiction also stopped like when you’re taking too much cocaine you don’t feel the kick anymore. That’s what happened to you.

When he returned the love, the chase is over and you’re not sure if you wanted it to end. The moment he said those words you lost interest. The scenarios you’ve created in your head has now turned into a reality and you love the idea more than the actual thing. Suddenly you realized you were addicted to the chase but disappointed with the outcome. You even hate the way he gets toothpaste from the tube (you push it at the bottom not at the middle). You’re sorry you really are, you made him think you love him but in fact you’re just confuse and bored you have so much energy you gave it all on him. Now you’re compelled to continue this because the guilt of making someone fall in love with you and realizing you don’t love him back is just a horrible thought, one day you’ll break-up with him but maybe not today.

Having a depression in a country that’s known for being happy.

Philippines is a place that’s full of life, quirks and has unending energy. In the country where we see depression or even seeking a psychiatrist as an act of being crazy. This is country where everybody smiles and welcomes you with open arms. Having a depression in a country that’s known for being happy despite being poor is hard to accept.

I’ve been battling with my inner demon as young as 9 years old I didn’t know it at first but I knew I was sad and I always think about ending my life just to end my sadness. I had a happy childhood I was just not a happy child. When I was 9, I just came back from a 3 day camp and it was one of the happiest days of my life. But when I returned home I realize that I was too happy, I got scared because I might not feel this kind of happiness anymore so took a handful of pills just to end my life. Nothing happened because those were just vitamin c tablets and I just fell asleep the entire day, nobody knew I attempted to kill myself because they thought I was just too tired from camp. As I grew up I got sadder and sadder. Everyday has been and struggle to me and the feeling of smiling when you’re sad it felt like Manny Pacquiao punching my insides and the inner battle gets very tiring.

I asked for help in my junior year in high school because now I wasn’t only battling with sadness but also anorexia. Just going to the guidance office to ask for help is hard because I know there were only 2 types of kids who go there; the kids who did bad and those teacher’s pet who wanted extra credits. I went inside and told my story I felt like layers of clothes stripped off me, minute by minute I felt more and more vulnerable at the end of the session I felt bare. I left the room feeling lighter but more confuse because my anxiety has now taken its toll I would think; what if they see me as a weak person? What if the guidance counselor thought I was acting out? Depression is taboo in the Philippines, what if they think I was just looking for attention? Those questions consumed me entirely and I was back at being depress. I avoided my guidance counselor. I tried my best to focus on doing good in school and help in the school’s charity programs, little by little I was getting better I even thought maybe I was just acting out and asking for attention. I started to believe depression is nonsense and Filipinos never get depress because it’s in our culture to always be happy.

Then a year ago, I started struggling with balancing my work and personal life. I felt like life is getting more and more out of control and the pressure is always at my back. I started my childish adolescent pattern again and this time I thought drinking would help. Then one Wednesday night as I failed to open a jar of nata de coco (my favorite) something as petty as that I felt hopeless and weak, the demons inside me knew that this was my breaking point. I sat at the edge of my 26nd floor apartment balcony ready to end everything. As I was about to end it the phone rang and I realize this was a mistake. I started acknowledging my depression.

I asked for help because I knew I cannot do this alone. Talked to a few people about it and learned that pain and suffering is inevitable but so is happiness. I am still battling depression up until this point and this battle might be never ending but I know that this time just acknowledging it and doing something about it can greatly help me. Just knowing that depression can happen to anyone even the happiest of race.

Rabbit inside my head.

I could only see you though the flickering lights even just a glimpse of your face ignites the feelings I have towards you. I’ve always wanted to tell you that I adore you but the rabbit inside my head reminded me what happened the last time I fell in love; “he is just like the last guy, remember what happened before” my rabbit kept saying. As the music plays and you telling to me about your philosophical ideas, I was battling with my mind and the rabbit was winning. Giving me instances on why I shouldn’t say what I wanted to say. My rabbit was pointing out your quirks like the way you bite your nails, the way you’re unsure about your future, your obsessive fascinations with the supernatural and your unapologetic nose picking. I decided not to tell you at that point giving myself a mental note on why I don’t like you then as I was about to raise my white flag in defeat; you smiled at me, you don’t look like James Dean but I knew you are my James Dean and I was willing to accept those flaws my rabbit kept aiming. The lyrics of Momus song perfectly sums up my feelings towards you.

 

I like you, and I’d like you to like me to like 

 But I don’t need you

Don’t need you to want me to like you

Because if you didn’t like me      

I would still like you, you see

La la la

 La la la

 

The song was playing in my head over and over again. The battle with the rabbit continues and this time I had Momus to back me up. I took another shot of tequila and told you how I felt. It wasn’t poetic nor romantic because I couldn’t organize my thoughts maybe because of the tequila or the tiny elephants running in my heart. I told you that I like you so much but I’m not sure if I like you all the time that sounded stupid but it was the exact feelings I have towards you. I really hoped that you like me too but you said you wanted to find yourself first and that was a fucking lame excuse. I was shattered inside but I didn’t show it, I pretended to brush it off and enjoyed the night. My rabbit was right and he was proud of it; I thought I won the battle but I got tarnished in the end. I told my rabbit one day you’ll see, I’ll find someone and I’ll prove you wrong.

6 Reasons why you shouldn’t date your Officemate.

Before I write the reasons let me apologize. I’ve posted 1 entry in this blog, I know Sarah is the only reason people are still reading this blog and I’m sorry. I’ll try to be more active in this site because I’ve been busy is my (other) writings. Instead of fashion and items, I’ll be posting relationship advise and my own personal love mishaps.

movie_tune_in_with_tom_hansens_wesc_stash_bongo_headphones_from_500_days_of_summer_003

 

If it won’t work out it will be awkward.

You have 50/50 chances of this relationship will work out. Mine didn’t and now everything is so awkward I’m loathing it. You’ll strategically think of plans on not bumping to him at the pantry, not to mention the elevator situations will always be a torture you’ll start to think — since when did reaching the 17th floor felt like an eternity.

You’ll still be undeniably attracted to him but you can’t show it.

You’re the first one to notice his new shirt or that he just got a really nice haircut. You want to jump right to him and give him the kiss of a lifetime but you remembered you just broke up. Even if you’re compelled to complement him you cannot, you’d rather chew your own leg then tell him he looks hot.

NO MORE LUNCH BUDDIES

In my situation we were both newbies and we instantly became lunch buddies. Now that we’ve separated he now eats alone and I’m still in search for people who I could have lunch with. I will forever think of him every time I see a grilled cheese sandwich. He ruined grilled cheese for me.

Dating game.

The game is simple the first one to have a date wins, sadly I lost. When I heard he’s dating that cute intern on the 3rd floor I was furious. I begun to pry on them from afar and checking her facebook like nobody’s business. I’ve now started a hobby on mocking her duck face selfies while chugging on a glass of cheap wine and I don’t know when will this stop.

Rumormongers

When you were both together you hated their guts because they gossip about you like you were freaking Brad and Angelina now you still hate them but at the same time you want to hear the latest gossip they have on your Ex.

Mixing business with pleasure

You just got the job you’ve always dreamed of and your boss is an angel but after the break-up the idea of going to work is nerve racking. Both of you don’t want to leave the office so you’ll both settle seeing each other and pretend everything is alright.