Of Wedding or Something Like That

My boyfriend and I have been together for seven years. Nope, he hasn't formally asked me "the question" yet. although I wish he will, sooner than later. Sometimes I can't stand the pressure from everyone from my mom to my boss.

When I was a bit younger, I imagined my wedding to be grand. Not as grand as Princess Diana's, but let's just say that I have some suppliers in mind and they are not cheap. But as I grow older, priorities changed. As much as I want a fancy wedding, I also want to have our own house.

To Beauty and Beyond

I may not be the best person to talk about beauty and make-up tips, but bear with me for a while. I got the whole cleanse-tone-moisturize in my regimen quite perfectly and I think my skin is ok (no breakouts, except during that time of the month where I experience a pimple or two.) But here's my frustration: doing my own make-up.

I attended a friend's wedding last Thursday. Since this is a weekday, I decided to come to the office in the morning to have some work done, then have my make-up done in the afternoon before going to the wedding. I know I'll save more if I can just do my own make-up. I mean, I can put foundation, blush, and lipstick just fine. But I'm not really confident with the eye make-up. This whole eye shadow palette confuses me. And don't get me started with the eye liner!

Emergency Fund Placement

I blogged about BPI increasing their minimum SDA requirement to Php 500,000 and my search for other viable investment vehicle where I can put my emergency fund. I'm happy because I was able to place the available funds last week.

Accessibility is one of my main considerations. I should be able to withdraw the funds around 2 days when needs arise. This is the reason why I still keep some in my savings account because money is only one ATM machine away. However, savings account only gives a very minimal interest rate, that's why, I feel the need to put a portion to other investment account that has a higher yield with a manageable risk.

It's Beginning to Look A Lot Like...

Christmas!!!

Whether you like it or not, Christmas is not just the most wonderful time but also (one of the) most expensive time of the year. Sales are everywhere, and to make matters worst, malls will be playing Christmas tunes while you're shopping (this gets me in the mood to shop more.) During the beginning of my working days, I find myself broke after holidays - after all those gift buying for various inaanaks, colleagues, friends, and family members, plus all that Christmas parties, who wouldn't? But inspite of all of these, I'm still a Christmas fan.

Why, BPI, Why?

In an effort to encourage people to invest in their Short Term Fund, BPI increased the minimum amount requirement to open a Special Deposit Account (SDA) to Php 500,000. Previously, one can open an account for only Php 50,000.

To give you a background, SDA is like a time deposit with a higher yield (lately, I got it at around 2.6-2.8% net of all fees).  SDA is a short-term investment which matures around 30-35 days. However, unlike time deposit, you cannot pre-terminate it. This type of account is not guaranteed by the PDIC, but by BSP - which makes it a relatively safe investment. Perfect placement for some of my emergency funds.