TOPAZ HORIZON

So when I found this post in my inbox asking to be shared with you, my Loyal Readers, I decided to publish it. If it's relevant to me, it must be relevant to many of you, too! Here are 6 tips and strategies for better budgeting: 

For many Filipinos, personal finance and budgeting can be a struggle. This is true no matter the person’s age, marital status, or work experience may be. By following some practical advice, however, this struggle can be overcome.

Here are some simple yet effective tips and strategies so you can get better at managing your hard-earned money:

1. Know Where Your Money Is Going—Always

There are two important things you need to know to get a good handle on your personal finances: how much money comes in on a fixed basis from all sources and where this money is going. Do note two other crucial details here: fixed basis and all sources. This means that if you can’t reliably depend on an income stream (e.g., an occasional freelance project), it might be better to just leave it out of your overall budget planning.

The bottom line here is that when it comes to money, you need to be as accurate as possible. This minimizes the risk of going over budget and also gives you a clearer idea of where you can make adjustments with regards to your spending.

2. Make the Most of Financial Management Tools

When you’re dealing with numbers, it’s difficult to keep up with all the details if you just rely on your memory. You’ll likely miss an important detail sooner or later, which can mess up your entire budget.

Thankful, there are various financial management tools that can help you set up, plan, and stick to your plans. First and foremost would be your bank’s own mobile banking facility, which you can use to check your transaction history, pay bills, and transfer funds. You can also use mobile banking to secure your account by activating two-factor authentication.

There are also budgeting apps you can download, although even a basic spreadsheet program can go a long way when it comes to tracking your expenses. You may even prefer the traditional method of using a ledger. The key is to find a tool or method that best matches your needs and works for your style of planning.

3. Set Realistic Savings Goals

When you’re trying to save money, don’t fall into the trap of going full throttle right at the outset. You may end up pressuring yourself too much and end up burned out (and without any savings to boot). Instead, set realistic goals based on your current financial standing. If you’re starting from scratch, saving 10% of your income every month is more reasonable, achievable, and sustainable, right?

Then, after some time, you can scale up your goals. This can make you feel more accomplished and therefore more motivated to save and manage your money the right way.

4. Try the 50-30-20 Budgeting

Also called the rule of thumb, this budgeting scheme allocates 50% of your income for your needs, 30% for your wants, and 20% for savings. This is a pretty simple but solid structure, especially if you don’t have a lot of loans to pay off.

If you’re having difficulties with keeping the bills at or below 50% of your income, review where you can make adjustments. Maybe you can follow a 60‐20‐20 model instead. The most important thing is to set aside money to save and invest; remember to also give yourself the opportunity to enjoy your money reasonably.

5. For Minor Goals, Try Envelope Budgeting

Ideally, you should open separate bank accounts for your savings and emergency funds. Doing this will prevent mix-ups that can throw your budgeting off-course. For smaller, more short-term goals, however, a separate bank account may not be practical. In these situations, the envelope method may be a great solution.

The envelope method of budgeting literally makes use of envelopes. Simply label them accordingly (e.g., new smartphone, weekly coffee shop order) then regularly put away an amount inside (e.g. Php 100 per week). This simple budgeting strategy is quite effective for smaller purchases because you’ll have easy access to the funds. It also makes it easier for you to monitor if you’ve made enough for your minor financial goals.

6. Review and Update Your Budget Regularly

Last but certainly not least, make sure to check your financial status regularly and update your budget accordingly. There are a lot of things that can happen that can affect your plans, both good and bad. Maybe you’ve received a salary increase or you’ve paid off a loan; maybe you got sick and had to be hospitalized, so you had to dip into your emergency fund. Perhaps you’re planning to get married; if you already are, maybe you and your spouse would want a child.

All of these things can affect the way you spend and save money. Thus, it’s wise to update your budget and financial projects whenever there are such changes. It can save you a lot of headaches and confusion later on.


As you can see, these are pretty simple tips that are easy enough to implement. Of course, remember that everyone has different financial situations at any given time. Thus, don’t think of these as rules but rather as guidelines. The most important thing, in the end, is consistency. This, more than anything else, can help you achieve your financial goals.

Good luck!

Christmas is a week away! Have you got your recipes ready? If you're thinking of something new to add to your traditional menu, try these recipes that CCA's Chef Trisha Ocampo made. Created to be dishes that will go well with each of Welch's Sparkling Juices so that you can fully enjoy your meal with the perfect drink.

A complementary drink not only refreshes your palate, but it also brings out the flavors of your dish better. So if you're wondering what drink goes with what food, here's Chef Trisha's quick guide:

Here are the recipes and procedures on how to recreate Chef Trisha Ocampo’s easy to follow festive dishes:

Yield: 20 pieces

INGREDIENTS

20 pcs fresh strawberries, cut in half or quarters
1 pc baguette, sliced into ½ inch rounds
8 oz whole milk ricotta cheese
1/2cup cream cheese, softened
2 tsp fresh tarragon, chopped
zest of 2 lemons
1 tsp lemon juice
1 Tbsp sugar
1 tsp kosher salt
1/2 tsp black pepper
1-2 tbsp balsamic glaze

INSTRUCTIONS

1. Preheat your oven to 190°C.

2. In a food processor, mix your ricotta, cream cheese, fresh tarragon, lemon zest and juice, salt, and pepper, until fully incorporated. NOTE: This can keep in the refrigerator for 7 days until ready to use.

3. For the crostini, slice your baguette ½ inch thick, sprinkle with salt and pepper, drizzle with olive oil, and bake for 8-10 minutes in the oven, until golden brown.

4. To assemble: Pipe the ricotta tarragon mousse on the baguette, followed by sliced strawberries, then drizzled with balsamic glaze.

Welch’s Sparkling Juices is for any occasion, especially the holiday season. It's the perfect celebratory drink for individuals who are health-conscious, non-alcohol drinkers, and even kids. Since it has no artificial colors, flavors, preservatives, or high fructose corn syrup, there’s no guilt in having a glass or two.

Our main air conditioner, the one that cools down the living room, dining room, and kitchen (and sometimes the entire condo!), conked out a few months ago. Around June, I think. Initially, I had thought of immediately buying a new one because it can get so hot in Manila, right? But I figured let's see if the kids (used to aircon almost 24/7) will survive. After all, we're Pinoys so we should get used to the tropical weather. Almost 4 months later, they're fine! 

I'm the one who's not fine haha! It's so hot! If you follow me on Instagram, you'd know I'm always in spaghetti-strap dresses or dasters. No more OOTDs for me. The heat has made it impossible! I was hoping that the rainy season would offer respite but, nope, it's really hot. So my husband and I have been doing some online aircon shopping! Also, a guest post about portable air conditioners landed in my inbox and it's so relevant to me now, I might as well share it with you!

 

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Being a tropical country, the Philippines has plenty of sunny days that easily turn from pleasant to unbearable. The good thing is that there are plenty of appliances to choose from to help you cool down. If you’re looking for a compact but powerful option, a portable air conditioner might be just what you need.

Before you can even begin organizing your refrigerator, you need to be aware of its capacity so you know just how much you can stick inside it. The best way to determine this is to check its specifications and not just rely on a visual estimate. You might think that everything looks fine, but the fridge motor may already be working beyond its limit. If you find yourself overstuffing your fridge, it may be time to get a larger one. When buying refrigerators online, always take into consideration the average daily food consumption of your household in selecting the right size and model.

Did you know that there are different spots in your fridge that are ideal for various types of foods? The lower shelves are the coldest while the door is most prone to temperature shifts, which means it tends to be generally warmer. Therefore, avoid placing items that can easily spoil on the door shelves.

You might think that these two go well together because they are both types of produce. However, the truth is that they’re best stored separately because as fruits ripen, they give off a substance called ethylene that can affect and age vegetables, leading them to rot faster. Thus, when keeping fruits and vegetables in the crisper, you should store them in separate bags. Better yet, leave the veggies in the crisper and place fruits on the shelves.

You can save a lot of fridge space by chucking out the bulky packaging that a lot of food comes in and transferring the contents into smaller receptacles. Glass or plastic containers with airtight lids are good for most types of food and beverages, while plastic or reusable silicone bags are ideal for loose food such as fruits and nuts. As the milk or juice carton nears its end, simply pour the remaining liquid into a small jar or bottle.

Don’t forget to affix a clear label on the items that you repackage or store inside the fridge. Clearly identify what kind of foodstuff it is and place the date when you stored it. This way, you can determine whether it’s still good to eat later on. You can use a good old permanent marker to write on plastic bags, or better yet, invest in a sticker label printer that you can use for plastic or glass containers, bottles, and jars.

How many times have you reached deep into your fridge only to find rotten or spoiling food? You can easily prevent this by making sure to pull old food stock out into the front of the shelves every time you load your groceries in the fridge. This way, you can use or consume older items first. Just like what they do in the supermarket shelves, this is called the “first in, first out” or FIFO concept. You might also want to use contraptions like a lazy Susan to help you rotate items inside your fridge better.

Schedule a weekly audit of all the items inside your fridge. Throw away any expired items and wipe up any spills or messes on the shelves and on the inside surfaces of your fridge. Not only are they unsightly, but they can also cause odor and lead to the growth of harmful microorganisms such as bacteria and mold. A good idea is to use plastic or rubber mats to line your fridge shelves and to prevent spills from getting bigger. You can also place a cup of baking soda in the fridge to prevent any nasty odors from forming.

A hallmark of a well-organized fridge is the owner being able to quickly find what they need the very moment they need it. You can only achieve this by making sure that everything inside your fridge is in its proper place. While it may seem like a difficult task indeed considering the flurry of daily activities in the kitchen, it is not at all impossible. All you need is a bit of planning as well as dedication to a regular fridge organization schedule.

If you need to buy new gadgets for work or for your kids' school, Acer has a great new promo: #AcerOnePlusJuan promo - get a free Acer One 8 T2 tablet with an Acer Swift or Spin laptop! I'm sharing it here because our new quarantined life means we all need gadgets now.

For example, in my family, we're almost done with homeschooling. Just 5 more weeks to go! We relied a lot on computers this past school year. Three boys with their own gadgets - yes, we're privileged but in a slightly different manner because those gadgets were katas ng blogging. The iPad was a gift from the #StreamTeam campaign for Netflix in 2018, the Acer notebook was a gift from Microsoft when I did their #ModernMomOnTheGo campaign in 2015-2016, while my MacBook was the result of all my projects with Nuffnang back in 2012. 

It's on my To-Do list that all my boys know how to cook Pinoy food. That's why when Lamudi, the leading real estate platform in the Philippines, asked me to share these distinctive Filipino heritage dishes with you from three unique provinces, I said yes! Let's try out these recipes this summer!

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GUEST POST - The Philippines is known for its rich cultural heritage. One of the things that contribute to the essence of being a Filipino is our food. However, some traditional foods that our ancestors have grown up with are now on the verge of extinction. To make sure that my kids and grandchildren will taste these culinary delights in the future, I selected three Filipino heritage foods to learn with my family.

Warek Warek

Photo screengrabbed from YouTube/Eats My Putahe

This dish from Abra is similar to sisig and dinakdakan in ingredients, preparation, and taste. The difference is that this dish uses the offal of a black pig. Black pigs are often raised in Abra by couples planning to marry. A few days before the marriage ceremony, the black pigs are butchered, and the people check their entrails to determine what their gods have to say regarding the decisions made by the couple that will influence their future.

The preparation:

To cook this traditional dish, combine pork neck and ears in a pot with garlic, ground black pepper, bay leaf, and salt. Add water and bring it to a boil. Let it simmer for 45 minutes or until the meat is tender.

Drain the pork pieces, season it with salt, pepper, and baste it with ¼ cup of calamansi or lemon juice. Broil or torch each side for five minutes or until crispy.

Slice them into small strips and place them in a mixing bowl. Add ginger, onion, pepper, calamansi juice, salt, and mayonnaise or pork brain. Place on a platter, then serve.


Calandracas

Photo via Ang Sarap.net

Now that we have a meat dish, it is best to prepare a vegetable dish to make sure my family has a well-balanced diet. Calandracas is a traditional vegetable dish that originated in Tanza, Cavite, and is still enjoyed by residents of Phirst Park Homes Tanza and other Caviteños.

In the olden times, this soup dish was made out of the livestock, vegetables, and spices offered as tribute to the departed during burials. These ingredients are chopped and cooked together in a simmering kawa with a chicken soup stock. Ingredients often included in this traditional dish are string beans, eggplant, banana bell (or banana blossom), sweet potato, and sotanghon (a transparent bean noodle). This satisfying dish is served to the family and other guests who are present at the burial.

The process:

Saute onions, then add chicken and shrimp stock.

Add sotanghon.

Add all the vegetables.

Toss in toasted garlic and fish sauce.

Let it simmer until all vegetables are half cooked and then serve.


Minukmok

Photo via Facebook/Food Holidays

It is always ideal to end a good meal with a dessert. Minukmok is a traditional delicacy from Majayjay, Quezon Province. It is sometimes made out of boiled sweet potato but is often made with boiled saba. Other ingredients include sugar and butter or margarine. You can also add grated coconut, peanut butter, and condensed milk.

This delicacy is often prepared by potential lovers giving them enough time to spend time together while their parents watch them. The end product is also believed to determine the state of their feelings for each other. Males would be the ones to pound the boiled saba, and the females would mix the banana to make sure all are mushy. Once this is done, she adds in the other ingredients, and he will pound it repeatedly until all is well blended.

The process:

In a big mortar, add in boiled bananas and brown sugar. Make sure that the banana is mushy and everything is mixed well together.

Add in other ingredients and pound it again until all is mixed together.

Coat a small bowl with butter or margarine. Place the minukmok mixture. Turn it upside down on a plate. Add grated coconut and a sprinkle of brown sugar. Serve.

The ingredients to all these dishes are easy to find, and these are all easy to prepare. Learning how to make these Filipino heritage dishes allows us to teach our kids the skill of cooking. This is also an opportunity to preserve traditional dishes and make sure the future generations still enjoy them.

Interested in buying property like houses in Abra, townhouses in Tanza, and farmland in Majayjay? Go to Lamudi to check out the thousands of real estate for sale all over the Philippines.


*This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com for my rates. Food photos courtesy of Lamudi.

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Don’t Be in a Hurry

I understand that you have to tie the knot in no time. But don’t rush things, especially when purchasing an engagement ring. The last thing you want is to make a mistake. You can discuss with your jeweler about getting the ideal diamond ring for your spouse.* This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com for my rates. 

It's not a social media platform where your kids can meet new people. So if your child is looking for friends, he'll have to get you to approve every person. There are no ads in Messenger Kids and your child’s information isn’t used for ads. It is free to download and there are no in-app purchases. Messenger Kids is also designed to be compliant with the Children’s Online Privacy and Protection Act (COPPA).

Every child account on Messenger Kids must be set up by a parent. 

Step 1: Download the Messenger Kids app on your child’s mobile device. Messenger Kids is available in the Apple Store and Google Play Store.

Step 2: Authenticate your child’s device using your own Facebook username and password. This will create a Facebook account for your child or give them access to your Facebook account.

Step 3: Finish the setup process by creating an account for your child, where you’ll provide their name and opt-in to any additional features. The device can then be handed over to the child so they can start chatting with family and friends.

Step 4: To add people to your child’s contact list, go to the Messenger Kids Parent Dashboard panel in your main Facebook app. To get there, click on “More” on the bottom right corner in your main Facebook app, and click “Messenger Kids” in the Explore section.

GUEST POST - In remote transcription jobs, the client will send the files to the freelancer (that's you). You can start transcribing at your own convenience, working to make sure you meet the deadline you and your client decided on. Sounds easy but if you want to become an established freelance transcriptionist, it is important that you start marketing yourself and the services that you offer. Without advertising your skillset properly, it becomes extremely difficult for you to start gaining assignments. A freelance transcriptionist might also face difficulties in finding the clients and building their network too without proper marketing skills. 

You can learn more on the techniques that could help you to market yourself as a transcriptionist, especially for remote freelance transcription jobs at dormzi, by following these tips:

1. Come up with a brilliant resume.

Every freelance transcriptionist planning to market herself and her services to attract more projects is must start with a compelling resume.

You don't have to include every detail of your professional history. Just put the details that are related to the skill sets required for the transcription job, and highlight them. It's also a good idea to create your own website. Make sure you use the most significant keywords that are used to search by the clients when they are looking for freelancers in the transcription industry. 

Don't forget your contact details because this is how the client will get in touch with you in case you get the job. 

2. Build your resume on a professional media network.