Thursday, May 24, 2018

5 Ways Blogging can Bring in More Income at Home

As you all know, a chunk of my income comes from blogging. I've even registered my blog business with the BIR and pay taxes through Taxumo. I'm very proud of this, mamas. I think everyone who's turned their hobby into a legitimate income-generating venture should celebrate that fact and also encourage others to do the same. After all, as the adage goes, "Do what you love and you'll never work a day in your life!"

That's not true. Work is still work haha! It can still get exhausting and frustrating many times. But at least since it's work that you enjoy, then it doesn't hurt so much! 

Blogging brought me many opportunities I'll always be grateful for.

A lot of mommies ask me how to earn from blogging, too. Aaaaand that's why I have blogging workshops! Well, I haven't done any this year yet. Too busy with my work as beauty editor at L'Oréal, but I do miss doing blogging workshops. It's so nice sharing with other people how to make money from blogging. I want my success to be every blogger's success! Especially if it's a mommy blogger. Any income is always welcome to moms, right? And if it's enough income that lets you stay home with your kids, then it's the best kind of income!

Since I'm not doing a blogging workshop soon, let my guest writer Clarissa Caouette share with you 5 ways blogging can earn you extra money. Take notes, mamas! 

* * * * * * *

Is your budget a little tight at home? Perhaps you aren’t working right now in order to take care of kids and there’s only one wage earner in the house. But you want to contribute to that take-home pay. How can you do it? Taking a job outside the house kind of defeats the purpose. It means paying for gas and parking, lunches out, new clothes and shoes, so that income can be eaten up in added expenses. What you really need is a way to earn money at home.

One way to make some cash at home is blogging. Yes, you can make money at it, although it is certainly not guaranteed. But if you want a flexible method that lets you stay home, this one fits. So first thing to do is to set up your blog, then we’ll talk about how it can bring home some cash. 

Getting Started 
This is the short version, so make sure to check out a more in depth tutorial if you need one. First two things you need: your own domain and a web hosting service. Often the hosting company will offer domain registration as part of their charge, so factor that into your research. Make sure you get a domain that you own, don’t go with a free hosting service with a tacked on name. Either you control your site or someone else does. Free sites can be shut down at any time and have many restrictions on how you can make money from them. Take control, you’ll be glad you did. 

Now install WordPress, it’s by far the most common blogging platform and very easy to use, and a framework. Consider a premium framework, they aren’t very expensive and come with a much better design which is easier to use and more powerful. Choose your topic and your schedule and start writing. You’ll need some articles posted, content as it’s known, and some readers before you can really make much money from your blog. So post useful articles and draw as many people to your blog as you can. 

Affiliates 
Once you’ve got some readers, you can start with one of the easiest ways to ‘monetize’ your blog, affiliate marketing. Simply put, you sign up for an affiliate program for a company you like and direct your readers to it to purchase things there. If they do, you get a commission. Your reader doesn’t pay any extra, the commission is directly from the affiliate. A common example is Amazon. Reviewing or recommending products that are available through Amazon lets you earn that commission if your reader uses your link to buy the product you talk about. 

Pretty simple! Make sure you would honestly recommend the product or you may lose readers who feel you are simply pushing those items to make money. And be sure to disclose that you are an affiliate and are earning a commission. It’s best to be upfront and honest about that. 

Digital Sales 
Another great way to go is to create a digital product, an eBook, video seminar, or artwork for example, and sell that through your blog. Digital is a great way to go since there is only the initial cost of creating the item and you don’t have to manufacture it each time to sell it again. Be sure the product is something worthwhile, something valuable to your audience. One way to convince people to buy is to offer a free item first. A short eBook where the only cost is signing up for your mailing list for example. Then market your longer books later on. 

Physical Sales 
If you do crafts or are willing to buy items wholesale for resale, you can sell physical items over the internet as well. Be sure to budget in shipping costs, but as long as you set it up properly, you can still manage most of this from your home. Another option is setting up a system where you take orders then have them drop shipped directly from the producer to your customer. Selling physical items does have some extra expenses associated with it, shipping, inventory, materials, etc., but if you are willing to invest in those you can make it work. 

Memberships 
If your blog itself is enough of a draw, you can charge a membership fee for people to access it. This is usually a way to earn from either a very popular site, or one which has a great deal of expertise and experience behind it. If you happen to have experience or training in a field you could set up a members only site for your most useful articles. Some pay sites will allow any reader to see the first few paragraphs but ask for registration to see the rest. As with any of these tips, there are several ways this could work. 

Advertising 
Finally, there is simple advertising. Placing ads along the border of your blog is an easy and low maintenance way to bring in some income but be prepared for it to be small. Click through ads only deliver a small amount each time a reader uses them, and CPM ads need huge numbers of viewers to return large amounts of money. Most internet users pay little attention to ads, although if an inappropriate one appears on your site you will probably hear about it. Be sure to screen the companies on your ad feed to prevent offensive content. 

As you can see, all five of these allow you to stay at home and work from there. There is a fair amount of work to be successful, though. You may need to spend several hours a day researching and writing your articles, so don’t over commit to your blogging schedule. If you can only manage one post a week don’t say you’ll do more. Missing your schedule is worse than having a relatively long update cycle. Now that you know what to do, get to work! Set up your site and blog!

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

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Tuesday, May 22, 2018

Why we switched Piero to pull-up pants

I'm a mommy of three boys and the third one, Piero, is still not ready to be toilet-trained. We've talked about it, been super enthusiastic, tried bribing—nothing's working. What worked with his two older brothers is not working this third time around. So we need all the help we can get, mamas! Leave your toilet-training tips in the comments below!

"No toilet until I'm 5, Mama!"

One tip I saw at the start of summer was to use pull-up pants, or training pants. I've not used pull-ups before because my first two kids took to potty training fast. Like so: "Hey, you want to use the toilet now like a big boy? Yes? Great!" Three days later: "We're done! Good job!"

With Piero, it's taking a bit more time and tools so we got BabyLove Premium Gold Pants (you can check out my reasons for switching to BabyLove here and my review of the Premium Gold Pants here) to help us out.

If you're wondering how pull-up pants help with potty training, it's really for two simple but big reasons:

1) Pull-up pants mimic the pull-up/pull-down action used with briefs/panties. Once your kids know how to pull down their pants to go weewee or poopoo, they can transition faster to the real thing; and

2) Pull-up pants make babies feel grown up. That change in mindset is what's essential to transitioning them from diapers to real underwear.

Piero loves his BabyLove Premium Gold Pants so much. He likes them because they're soft and smells good and has "cute dwawings on the fwont and on the butt, Mama!" I'll update you when we finally successfully potty train my last baby. So wish us luck!

If you want to try out BabyLove diapers, too, there's a current promo now at Shopee. From May 21-24, 2018, the first 100 customers buying any BabyLove diapers will also receive a free sample of a preschool milk as well as a voucher discount for the next purchase of other milk supplements with the value of P350.

 Shop here!

Check out the Facebook page of BabyLove Philippines for more info!

*This post is brought to you by BabyLove Diapers.
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Monday, May 21, 2018

My favorite moments from Harry and Meghan's oh so perfect wedding

Yes, perfect wedding! It's the most perfect wedding I've ever seen. Everything about it was Harry and Meghan. It was deeply British and very African-American. It was royal and Hollywood. It was traditional and modern. It was so elegant and stylish. Every moment was studied and yet also candid. How is this wedding so amazing?


They're so happy! And so adorable!

Okay, I have too many favorite moments. Like, I can't count! But here are a few that were documented by my favorite Instagram fan account of Meghan and Harry, @meghanandherprince.

Meghan walking down the aisle on her own. You know that I am such a huge feminist so to see a woman walking alone to the man she chose with no need for approval from any other man in her life is so empowering! And then I loved when Charles got her halfway. On one hand, he was making her sundo for his son; on the other hand, he has always wanted a daughter. In fact, when Harry was born, Charles was disappointed and Diana said something in her died that day.


Harry meeting Meghan.
A post shared by Harry and Meghan❤️ (@meghanandherprince) on 


When Harry unveiled Meghan. Apparently, this is the duty of the father of the bride. But since Meghan's dad wasn't around, it was Harry who had to do it. Check out when he said, "Hi!"


Harry playing with Meghan's ring! And staring at her the whole time! Hoy, makinig ka sa sermon, Harry!


Ehem ehem. Tigilan niyo nga yan! #kilig


This scene straight out of a James Bond movie except that in this story, the guy married the girl!


I also loved Bishop Michael Curry's sermon. It was so apt for a couple who have devoted their lives to public service, human rights, and love for fellow man.



It called to me so much to forgive, serve and love. Love lang talaga! Ang hirap kaya niyan in this world of hate and fear. But I heard you, Bishop Curry, and I will follow the way of love. As his chosen verses said, "Beloved, let us love one another for love is of God and everyone that loves is born of God and knows God. He that doesn't love knows not God for God is love." (I John 4:7-8) So let us love one another. Always choose love! Just like Harry and Meghan. Through everything that happened in their life, they always chose to respond in love.

I'm so inspired this weekend, mamas! If you follow me on my Facebook page, you'd know I'm on a royal wedding fever high. I'll blog again about other things this week. Let me just get down from my happy loved-up cloud.

Please follow @meghanandherprince for more updates on Harry and Meghan!

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Thursday, May 17, 2018

How a great vacation can inspire your home décor

My favorite holiday ever will always be in London, UK. First, it's the first country I traveled to all by myself. A solo trip—even though that trip was for work—is always unforgettable. Second, it's the city where Vince and I spent our honeymoon. That's why London will forever be my favorite foreign city, and I like to keep mementos of my time there around my house. For example, these throw pillows that baby Piero is resting on.

Everything in this picture sparks joy!

This is a guest post, by the way. I think my working mama readers will like this topic because Filipinos are such tourists and we love putting souvenirs of our travels all over our homes. Enjoy this little post!

* * * * * * 

If you are someone that likes to travel, you may already be intertwining your travels and memories with your home décor. Traveling to different countries can be an excellent source of inspiration. People have varying ideas and cultures that may make their indoor spaces unique and invite. By taking some of those ideas home, you can incorporate your memories and experiences into your living spaces and, ultimate, your lifestyle. Here are some of the things that you can do to let your vacations inspire your décor. 

Souvenirs 
During your vacation, you may buy some items or artifacts to remember your trip. Naturally, you would want to put these items on display. By adding some relevant décor, you can accentuate the personality and atmosphere your souvenirs provide to your living space. If you, for example, bought a little replica of the Statue of Liberty during your time in New York, you can draw some attention to it with a framed photograph of the Manhattan Skyline.

Culture 
There are many different cultural aspects to interior decorating that you can apply to your own home. Feng Shui, for example, originated in China and claims to harmonize you with your living space. You may gather some ideas that you may like that are engraved in a society’s lifestyle and use it as inspiration for your décor. 

Prominent features or export products like oriental themed décor and patterned rugs can transform your room into the place that you came to know and love. 

Plants 
As far as décor is concerned, you can hardly go wrong with some plants. It is also the perfect way to use your vacation as inspiration for your décor. If you spent some time at, say, a tropical beach, you may find a nursery that sells plants that grow in those areas and use them as décor in your living room or even your home office. You can also compliment the plants’ presence with wallpaper that has floral or bamboo themes or even a souvenir that you bought like a lay or a portrait of a fish or a beach landscape.

Patterns 
Many countries have decorative patterns that are unique to their societies and lifestyles. Scandinavian pine tree patterns can, for example, easily be incorporated into your interior space’s features and décor. Simple patterns like squares or V-shaped patterns may seem conventional but can change the atmosphere and personality of a room completely. One of the best ways makes patterns part of your décor is to make use of rugs, wallpaper, or curtains. 

Functional décor 
One of the more practical ways your vacation can inspire your décor is with functional pieces such as serveware, woven baskets, or racks and hooks. Trays, bowls, and plates can be the ideal way to bring your vacation into your décor. Some countries have little teaspoons that many people like to collect. Storage accessories such as wine racks or hat stands can also traditional to a place that you visited during a holiday. 

Color schemes 
Sometimes, interior spaces are dominated with the same color scheme. If you like a particular color scheme or hues, why not use in your room’s decorations? Tropical destinations with ocean views and sandy beaches have typical blue, light brown and sap green elements that you can easily bring into your home with natural elements. 

You may also have to use features that are already available in your interior space like a window with a view over a garden or a big piece of blue sky. By simply adding one or two additional decorative features, it can establish the color scheme that you saw and experienced during your vacation. 

Interior decorating styles 
There are many different interior decorating styles all over the world. Whether it is mid-century modern, industrial, minimalistic, or Scandinavian, chances are that you will find a style that has prominence at the place where you had your vacation. The French are known for their love of shabby chic, and when you do a little research, you may find a lot of attributes to a particular style that looks familiar and inviting. 

Many times, modeling your décor to a specific style will inspire you to incorporate the things you experienced during your vacation into your interior space.


*This is a guest post by Clarissa Caouette. To place a guest post, email frances@topazhorizon.com for my rates. 
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Monday, May 14, 2018

How I deal with mommy guilt

I had a long day. That was my excuse, but all moms have long days so is that really an excuse to lose my temper and be unkind to my children? All my days are long yet I can usually hold my exhaustion at bay, at least until 9 p.m. when the last kid finally dozes off and I can also relax. 

On this particular day, however, I was worn out because we were on vacation. The kids were too excited about the new environment, and I was worried about my deadlines. We may be on holiday but my work didn't care about that! It was way past the boys' bedtime in a new room at a new place and I was feeling old and stretched thin. Without warning, I snapped. 

I yelled and then I cried. They were stunned. In that silence, I knew instantly I was wrong and I apologized. As soon as I said, "I'm sorry. I didn't mean those bad words," my sons hugged me and cried in relief. I didn't feel relief, however—I felt even more guilty! Waking up the next day greeted by love letters decorated with flowers made me feel even worse. I felt like a bad mother.

Many moms wrestle with that thought. "Am I a good mother? I got mad at them—am I a bad mother? I gave them junk food. I didn't give him a bath. I fed her formula milk. I gave him the iPad. I let her watch TV. I hired a yaya. I work. Am I a bad mother? If I'm not a bad mother, why do I feel so guilty?"
 

Let's talk about guilt first. The dictionary (Merriam-Webster) defines guilt as "the fact of committing a breach of conduct especially violating a law and involving a penalty." Guilt means we did something wrong. Guilt is a fact, not an imagined offence. 

In many cases, mothers don't do wrong when we make decisions we feel are best for our family. Whether that's being a working mother and hiring household help to skipping a bath (because the baby's not dirty anyway!) and letting the kids watch TV (because you need some peace and quiet). Yet even though we didn't commit a crime, we still feel guilty. 

I do. I feel guilty all the time. But I can easily squelch that guilty emotion when I remind myself of two facts: (1) I'm doing my very best, and (2) I love them so much! Everything I do is because I love my kids and that alone makes me a good mother.

Then that day happened. The uncalled for yelling and the cruel words that broke my kids' tender hearts. Yes, I was doing my very best giving my kids a holiday (so they can have fun) and trying to meet deadlines (so I have their tuition money). And yes, I love them very much. But I was wrong to say what I said. And I was definitely guilty.

When I commit a real offence—no matter the reason!—there are only two ways to deal with the guilt: (1) Apologize immediately and sincerely, and (2) forgive myself.


I hope saying sorry shows my kids that their mama makes mistakes and realizes it immediately. I hope they see that by sincerely apologizing and not blaming them for my mistakes, I admit that I'm not a perfect mother but I try so hard to be a good mama anyway. Lastly, I hope they see that I will always try again and again and that I won't ever give up being their mommy. That means I need to forgive myself when I do wrong so that I can get up and give motherhood another go.

I'm lucky my kids are the most forgiving people in the world. They are so quick to hug me and say, "It's okay, Mama! We love you!" Their love makes me realize I'm not a bad mommy. A flawed one definitely but a good enough one nevertheless. And I shouldn't feel guilty about that.


*This was published in Juana.com.ph for Mother's Day 2017.

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Saturday, May 12, 2018

How to get your start up off the ground

I have a confession to make: I really want to sell something! 

When you're a mommy blogger like me, lots of little mommy businesses ask for help in raising awareness for their brands. I'm always happy to help. As a mompreneur myself (my business is blogging), I know how it feels to want to financially contribute to the family, scratch that creativity itch, and be with the kids all at the same time. It looks great from the outside but it's not so easy to do. So whenever mamas ask me to help them by posting about their product on Instagram or on Facebook, I help. 

But back to my confession. I will confess that starting a brand that sells beautiful and useful things for working moms is a huge dream of mine. Whenever mompreneurs approach me about their brands, I always feel a twinge of envy. Not envy in a bad way, but envy in a "Look at all these amazing women putting up their businesses. When are you putting up yours???" way and sometimes it makes me sad. But then I have to remind myself, "No! You will be inspired! One day, you will finally put up that working-mama brand. One day!" I call this my "inspired envy" emotion. It's a good emotion because it drives me to work harder!



So I've been slowly learning about starting a brand. Not just the flowery and inspirational parts of it because everyone talks about following their dreams but no one talks about funding and BIR and taxes, right? I remember going to a workshop before and this mommy who sells baby stuff was the speaker. And she goes, "Well, I really love expensive things for my babies and no one was selling [this brand] here so I decided to sell it myself." And someone asked, "How did you get funding and the rights to distribute that brand?" And she said back, "Oh, I don't know. My dad took care of everything." 

Sorry but sobrang negative infinity points na siya sa akin. Not inspirational at all. Not encouraging at all. Not helpful at all. May asawa't anak ka na, umaasa ka pa rin kay rich dad for everything. So, in that case, I didn't feel my usual "inspired envy" at all. 

Thankfully, I know more women who started their businesses from their own savings, from asking for a loan from the bank or from their family and friends, or they used their money from their retirement. That's how I started my blogging business, by the way. I relied heavily on my retirement pay from the magazine industry.  

Nowadays, you'll find even more people who can help you start your business. That's because more and more people are turning to running their own small businesses rather than following career paths of employed positions in other people’s businesses. It’s not all too surprising. At the end of the day, who doesn’t want to be their own boss? Plus, the success of online only stores (which are a whole lot cheaper and easier to set up than traditional brick-and-mortar stores) is inspiring, especially to us mommies. So, if you’re planning on creating a start up of your own, there’s no better time than the present. Here are a few things that you will need to cover to get the ball rolling in the right direction.

Funding Your Project
The first thing that you need to secure when it comes to setting up a small business is funding. After all, without cash at hand, how are you going to get the ball rolling? Everything requires investment and ideally you should be able to access the cash quickly rather than having to wait on gathering savings. If you don’t have money behind you from the start, you should consider a business line of credit loan. This will give you access to money within your credit limit as and when you need it, allowing you to pay the sum back in smaller installments down the line!

How do you get a nice bank loan? Well, you must establish good credit. How does one do that? Well, a bank account is a good start. A credit card or two that's always paid in full and on time helps a lot, too. Plus, a good business plan. 

Of course, I'm talking about regular people. There are many other people who have tons of money to throw around and funding is never a problem. If you have friends like those, you can ask them for help. Just make sure you can pay them back!

I'll just make kwento. I was attending a women entrepreneur seminar, and a woman shared how she started her business. "Oh, I went to China and I was bored so I went shopping and charged everything on the credit card and then just told them to ship it home. One month later, my husband called. 'Customs is asking about this shipment! What did you buy that cost me 600,000 yuan?!' [That's P5 million] Haha sorry I don't understand Chinese so I just said yes yes yes to the shop owner. And that's how I became a businesswoman because I had no choice but to sell all those things I ordered!"

Buti pa siya. For us regular folk, we'll have to work harder to get funding. Thankfully, a lot of home businesses don't require a lot of money to put up. You can sell mobile phone load cards. You can buy stuff from Divisoria and sell them online. You can bake extra cupcakes. You can buy extra woven bags from your bakasyon grande sa probinsya niyo (or whatever crafts your hometown is famous for) and sell those. 

If you don't want to get into debt just to start a business, you don't have to start big and expensive. Whatever your funds at hand can buy, then that's what you sell. Just be patient! 

Taking Care of Legal Business
There are all sorts of legalities that come with becoming a small business owner. Depending on where your business is based and where it intends to operate, laws will differ. But generally speaking, there are a few things that every business will require. 

Making Your Biz Legit
When you're making at least P5,000 a month from your business, it's time to register with the BIR. Okay, no one likes paying taxes. I don't know anyone who is thrilled to part with their hard-earned money and give it to a corrupt government. But pay taxes we all must. 

On the bright side, when your business is BIR-legit, it's easier to get more and bigger clients, raise more funds, to scale up, to rent an office/warehouse. When you also pay taxes, it's easier to get visas if you need to travel since an ITR is one of the documents needed to get a visa. As you can see, there are more benefits to paying your taxes so register your business with the BIR and pay your taxes (let Taxumo* do that for you!).    

Business Address
When you register your business with the BIR, you will need an official business address. Ideally, this shouldn’t be your personal address, as it may be required for correspondence and could also be distributed publicly. If you don’t have a commercial property to start with, there are plenty of packages out there that allow you to purchase a physical business address or a PO box. This gives you more privacy.

My business address is my home address but this year, our homeowners association changed their rules and now I need a new business address. It's been very stressful! So if you're about to start a home-based business, look for another place to register with the BIR. Even if it's okay with your condo/village/etc now, it may not be okay in the future and you don't want to go through the hell I'm going through now. Your options are you can ask a friend who has a brick-and-mortar store for help. Just ask her if you can rent a table. Yes! The BIR accepts that! If you don't want to inconvenience a friend, there are virtual offices who offer this service. They'll be your business address and they'll even accept mail and packages for you. 

Open a Separate Bank Account
It’s also likely that you will need to open a business bank account. These accounts offer you the same services that you will be used to with your personal account, but they allow you to deal with more withdrawals, cash more checks, and deal with a generally increased cash flow in and out of your account.They also have the benefit of helping you to separate your personal finances from your professional finances. This makes processes such as tax returns at the end of the year a whole lot less complicated.

Protecting Your Intellectual Property
By the time you’re ready to start selling, you will have put a whole lot of time and effort into creating your brand and products. So you want to ensure that they are protected from theft and reproduction. Protect your intellectual property by copyrighting and trademarking as much of your intellectual property as possible.

These are just a few things that you should consider when you plan to start up your own independent business. But taking care of them sooner rather than later will make the whole process a lot more smooth and simple! Good luck, mamas!

*Use my code FRANCES when you sign up with Taxumo.

**This post contains affiliate links. Photo from Pexels.

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Tuesday, May 08, 2018

Here are 4 things you can do at home to boost your income

Dear mamas, did you know you could use your home to increase your income? As a work-from-home mom, I always get asked by my readers over at my blog's Facebook page, "I'm a housewife and I want to earn, too. How can I be a working mom but still stay home with my kids?" Well, you can turn your home into your very own office!

Okay, we're not going to talk about renting out your garage or your spare room (but you can do that, if you wish!). We're not even going to talk about upselling your home or putting it up on the real estate market (although you can do that, too, if you want to!). Instead, we'll talk about how  everything you could do in the privacy of your own home can be used to maximize your earnings.

My desk at home! Styled for Real Living. In reality, I work over at the dining table haha

Your home offers a variety of opportunities, and it’s fair to say that you will find ideas for everyone, whether you’re a finance specialist or a DIY craft lover. Even though I've been working from home for over 5 years myself, I'm always on the lookout for more ways to earn money without leaving my house! So let me share a few tips:

1. Turn your hobby into a business.
Everyone has a hobby. But when you begin to spend a lot of time on it, it might be time to consider a way of making your hobby a financial actor of your future. For a lot of people, however, the main issue is to figure out if your hobby is worth the time investment. Sometimes, it’s more of a hunch than anything else. But ultimately, as the saying goes, if you choose a job you love you’ll never have to work a day in your life. That’s precisely what a lot of bloggers, crafters, and artists have embraced to build their career. After all, you can spend time doing what you love and getting paid for it! 

2. Improve your skills.
Perhaps you’re satisfied with your career choice. But you just wish you could land a better-paid job. How about acquiring more competences with online studies – if you’re looking to boost your healthcare career, see more options here on the best online nursing studies, for instance. As a rule of the thumb, online studies can be pursued at home, in the evening or the morning while you’re not working. Thus you can maintain your job while investing your spare time at home into boosting your career. 

3. Downsize your belongings.
If you’ve read articles about the Feng Shui philosophy for your interior decor, you’re probably aware that too much clutter can damage your peace of mind at home. The thing is: Who doesn’t own too much stuff? Everyone has clothes they don’t wear, books they don’t read anymore, and sports gear they haven’t used in years. Everyone has too much stuff, and that’s precisely where your financial improvement lies. You could make the most of a decluttering action to sell all your unwanted, unused and unnecessary items.

This reminds me! I promised my Facebook community that I'll sell my maternity and breastfeeding clothes soon! I still haven't decided if I'll sell on eBay, on Instagram, or exclusively to my blog readers on my Facebook page. What do you think is my best-selling platform?

4. Start investing.
Contrary to the common belief, you can start investing in Index Fund with as little as $1,000. There is no need to invest large sums of money to see positive results. Besides, starting small means that you will be taking fewer risks and are more likely to learn positive lessons on the way without breaking the bank. Indeed, by working with a discount broker, you can start investing with very little money. Additionally, you can also directly buy from a company through DSPPs, which allow you to start with as little as $100. 

But before you get into investing, ask yourself first if stock market investment is for you?  My husband and I know a lot of people who have gotten rich from their buying and selling of stocks. This is still something we don't understand but really really hope we could get into so that our money will make us even more money without us doing any real hard work!

So there you go, mamas! A quick list of income-generating activities you can do from your home. Imagine that—your home can become the HQ of your financial rebirth! From creating a stand-alone home business to using your home savings to invest in the best stock markets, you have plenty of opportunities to grow your income significantly. Lots of people are doing this now. Why don't you try it, too? Good luck!

*This post contains affiliate links.

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Saturday, May 05, 2018

How to grow your backyard business in a hot market this summer

My childhood home in the early 80s! It still looks like that but no more trees. 

When I was a kid, summers meant halo-halo from my childhood best friend, Marlyn. We were maybe 9 or 10 years old when she started selling halo-halo. She would rise up early to cook the saba, monggo, sago. She would wait on their doorstep in the dark for the block of ice to be delivered. Then at just 8am, she'd set up a little rickety table, arrange her jars of cheerfully colored ingredients and wait for customers to pass by. I'm always her first customer. I always insisted on paying full price so she always insisted on adding more leche flan and saba and sometimes langka (if she had it). Minsan, kung mabagal ang benta, I'd just ask for more evap milk.

Anyway, because Marlyn was so entrepreneurial, I was inspired to be a summer businesswoman, too! Nung una, ayaw ng magulang ko but when I was 13, pumayag na rin sila. At first, I sold cookies and chocolate mallows but hindi masyadong mabenta. So I sold tocino, tapa and embutido. Yun ang malakas! I put my wares in a pail of ice and iniikot ko yung subdivision every morning, knocking on doors and ringing doorbells. Naka-lista usually and then on Saturdays, that's when I collect payment. I thought I was really clever! When I got really dark because of this, my parents told me to stop because colonial mentality, you know. I still insisted on my business but I finally agreed to stop when a neighbor set her dogs on me kasi ayaw niya nagbayad ng utang. Grabe, I was 13! How could she have done that to a child??? Okay, patay na siya so let's not wish her ill anymore.

Anyway! I'm making this kwento because my old blog sponsor Jolly sent me a nice article that I want to share with you. It reminded me of the good old days when summers were hot and lazy and my friends and I climbed trees, hiked up hills, stared up at the clouds floating in a magnificent blue sky and dreamed of making money when we grew up. I hope this article inspires you, too!


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Filipinos are some of the most fascinating and persistent entrepreneurs in the world. They are remarkably optimistic: More than half of the population believes there are business opportunities in the Philippines and nearly 70% say they have the capabilities to become entrepreneurs1. At the heart of their entrepreneurial spirit is creativity, amplified by the drive to build and succeed amid all odds.

This is best seen among microenterprises, which comprise 9 in every 10 businesses in the Philippines. A residential block is not complete without at least one sari-sari store. Pop-up tiangge stores are scattered around during fiestas. And who will forget about summertime when halo-halo and mais con yelo stalls sprout in every street corner?

Marilou Acuña, Fly Ace Corporation Group Product Manager for Jolly, says, “Every summer, we see the Filipino entrepreneur spirit thrive to turn the summer heat into an opportunity. With the right mindset, tools, and ingredients, microentrepreneurs can grow their business and take it to another level."

How can microenterprises ramp up sales this year? Here are five tips from Jolly Corn:

 1. Location, location, location! 
Due to logistical convenience, microentrepreneurs usually set up their pop-up stalls in front of their homes. However, unless their houses are in front of a school or along a busy street, owners must think carefully about their area’s foot traffic and compare it with the potential sales that could be generated by locating to a more strategic place.

2. Leverage on influencers.
Entrepreneurs should identify who the influencers are within the community. By inviting these key individuals to try the product, entrepreneurs encourage good word of mouth from credible persons within the neighborhood.

Microentrepreneurs can then support this good word of mouth through easy-to-do promotional activities such as community bulletin board, flyering, and social media.

3. Sell during community events, cater to groups. 
Microentrepreneurs can hold pop-up stalls during community events such as the annual basketball game and Santacruzan. Another opportunity is catering private groups, such as prayer meetings or the birthday of a neighbor. If all goes well, these events will provide a great platform for referrals and exposure for the business.

4. Avoid too much credit. 
Cash is the lifeblood of the business. Microentrepreneurs should avoid allowing too much credit since they still need cash to buy supplies and sustain operations. If offering credit cannot be avoided, microentrepreneurs should find the right balance and understand its limitation.

5. Find the right partner to perfect the product. 
Product quality is integral to the success of microenterprises. If the product is excellent, people will follow. Quality also includes the health benefits of the product. These days, even microentrepreneurs venture into the healthy food segment as more people become conscious of what they eat.

In the case of mais con yelo, Jolly Corn provides microentrepreneurs with cream corn packed with the same wholesome sweet goodness of freshly harvested corn.


MAIS CON YELO

Ingredients:

1 425g Jolly Cream Corn, partitioned
1 can Jolly Cow Condensada, partitioned
6 cups shaved ice, partitioned
1 cup corn flakes, partitioned

Procedure:
1. Scoop 3 tablespoons Jolly Cream Corn in a tall glass.
2. Add 1 ½ cups shaved ice. Leave an empty space on top for the toppings, about half an inch.
3. Top shaved ice with 3 tablespoons of Jolly Cream Corn, 2-3 tablespoons condensada, and corn flakes. Serve immediately.

***

JOLLY is a canned fruits and vegetable line marketed and exclusively distributed by Fly Ace Corp. For more updates, visit jolly.com.ph or like its official Facebook fanpage or follow via Twitter and Instagram (@jollyeatsph).

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Wednesday, May 02, 2018

When to turn your hobby into a business

This month marks my blog's 12th birthday. Twelve years I've been blogging, folks! Actually, it should be 13 years because I started blogging on Friendster in 2005 then moved to Blogger and got a proper blog name in May 2006.

Blogging started as a hobby—a very fun hobby, too! But in 2008, I was invited by Nuffnang to join other bloggers all over Asia for a bloggers conference in Singapore. I couldn't believe what I saw there. The bloggers from Singapore, for example, were living lavish lifestyles sponsored by many brands. Meanwhile, the Pinoy bloggers I was with (Alodia Gosiengfiao, Anton San Diego, Ramon Bautista, Hannah Villasis, and more) all told me how they earned from their blog. I just couldn't understand it then but that really was the push that made me decide on monetizing my blog.

Pretend blogging haha for a photo shoot for Biogenic Alcohol.

And here we are! It's 2018. My blog started earning serious money in 2013. Enough to be my family's main source of income for the last 5 years. To say I'm grateful that a little hobby has turned into a massive blessing is an understatement! 

If you're a mama who hopes to start a business but doesn't know where to start, you can start with your hobbies! Who knows, right? Anyway, I wrote this article for now-defunct website, Juana.com.ph. I hope it helps you!

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Hello, my name is Frances and I’m a professional blogger. Yes, by professional, I mean it’s a real job. My blog is registered with the DTI and the BIR, I have official receipts, and I pay my many taxes. What was once an enjoyable hobby is now a legitimate income-generating venture. I never would’ve thought that this would happen when I started my blog—with the fancy-shmancy name of TopazHorizon.com, no less—more than ten years ago. If I had known it was going to become a big business, I’d have given my blog name more thought!

That’s the thing with any hobby—you start it for your own personal pleasure, not because you’re thinking of how it can make you money. So what do you do when it becomes bigger than you expect? Should you turn it into a business? Here’s how to tell when a hobby should become a business: 

Sharing my finds is part of being a mom blogger. It's not always easy to blog about. Sometimes it requires weekends hunting for things and also actually building stuff so that my readers can really get the low down on the stuff I find! 

 When you’re spending a lot of time on it
Hobbies are usually the things we do when we can find pockets of time away from our hectic schedules. But when it starts eating up your day, you should consider earning from it. After all, what is it they say? “Choose a job you love and you will never have to work a day in your life.” If you can make your hobby earn money, then not only will you look forward to work every day, you also won’t hear your family and friends complaining about you spending too much time on your knitting or baking or surfing! 

Bridal fashion designer and floral bouquet entrepreneur Michi Calica-Sotto may already have a lot on her plate but her love for stand-up paddling [SUP] gave her more ideas. “I spent at least three times a month, [from] 8am to 5pm, paddling. Other weeks it was more. Two weekends a month in Anilao,” she said of her devotion to her hobby. “I also spent two hours a day searching the internet for news on SUP, say, where next to paddle, new gear, forums.” 

With all that time Michi spent on stand-up paddling, she decided she should use that time earning money, too. Hence, her business selling equipment like boards, paddles, and leashes. She also offers tours and classes on SUP.

When you’re spending a lot of money on it
I started blogging because it didn’t cost a thing. As a writer and editor, I already had a computer and an internet connection. But as I became more serious with blogging, I began investing in good cameras, buying clothes for #OOTDs, and spending a lot on Uber attending events. Hobbies can be an expensive pastime!

Michi agrees. She lists the initial costs of SUP: “A board is P60,000, a paddle is P8,000, and a leash is P1,600. Of course there were the outfits at P20,000. Then we must count the overnight stays in the beach, about P10,000 at a time.” She accedes, “I realized my hobby did cost a little something, so it was wise to make some money to sustain it, later on to really promote this sport, as it is the fastest growing sport in the world. SUP is in the rise in our country.”

I wanted my blog to earn money because attending events costs a lot of money! Pamasahe pa lang, ang gastos na!

 When there’s no one else who seems to be doing it
Some hobbies are specialized. You can either relish being one the few people who can enjoy it or you can see this as an opportunity to make money! For Tab Abad, it wasn’t really a hobby but an obsession with being well-groomed that pushed her to start her waxing business. As a young girl, Tab enjoyed keeping herself neat. “I love grooming. Growing up, I always had a kikay kit. I’m very hairy so you can imagine my arms! I would always make the hair straight so it does not look magulo. As young as 14, I was already threading my brows, the hair in between. In fact I would always tell the girl at the salon, ‘Just clean it, don’t give it a shape,’ because what do they know of shaping that time? I just want everything neat and orderly.” 

Tab was able to enjoy being neat and orderly when she worked at cosmopolitan Jakarta, which had grooming salons. Until she realized she wanted to go back home. “But going back home meant I would miss all these services I was doing in Jakarta,” she said. “So I decided to ask the franchise of the business for Manila because I needed to make sure I would have some place I can go to for the rest of my life. This I know would make me happy!” 

It also made her lots of money. Tab put up The Strip and Browhaus, a string of successful waxing and grooming salons, at a time when no one was talking about specific grooming services. Everyone either went to a big salon or did hair removal themselves. Tab said, “This was one way to help generate opportunity. Opportunity wherein one would not need to go abroad for greener pastures... Back then, there was hardly any niche or service-specific salon. These services were always taking a back seat in salons, and those that tried still didn’t have that international quality to make it really good and fantastic.” Seeing that no one was offering what she wanted, Tab created a business that catered to her needs. Filipinas who loved a hairless smoothness thanked her forever after that! 

I finally gave blogging workshops because people kept asking me for advice!

 When your family and friends and their friends start asking you about it
Some hobbies are so fascinating or require a unique skill that people can’t help but notice it... and want it, too. Anna Chavez never thought her childhood hobby of “lettering” and doodling was going to become a business. While in the thick of her corporate job, Anna took up the pen more seriously. “A few years ago, around 2014, I suddenly realized I missed having a creative outlet so I started to immerse myself in the craft again.” She became so good at calligraphy that her family and friends saw an opportunity for her to earn from it. “It was my cousin, Ghia Pastoral—owner of The Write Impression, which I think is the best invitation and stationery supplier in the country!—who gave me the idea and encouraged me to put my hobby to good use. In early 2015, she started giving me clients for envelope addressing and referred me to her clients along the way.” 

With clients lining up for her services, Anna took the plunge. “It was the most opportune time since I was planning to quit my corporate job of 13 years and finally be a work-at-home mom. So together with my own accounting business, which I also started in 2015, I decided to make calligraphy a full-time job.” 

When you’re consistently earning from it
Last but most telling of all is the money your hobby is making you. Some hobbies make money for a season, like during the holidays when enterprising moms would bake extra goodies or create extra crafts to sell to gift-seeking shoppers. If your hobby’s income goes beyond the season and people are hankering for your products and services all year, then time to make it legit. 

At a workshop for enterprising entrepreneurs I attended a few years ago, financial writer and businessman Fitz Villafuerte told us that if we’re consistently making at least P5,000 a month, then that’s the signal to put up a business. Since my blog was regularly earning way more than that, I realized that this little hobby is actually our family’s main source of income. That’s why my blog is now a business! 

A hobby that becomes your business truly is a dream come true. Every day, I am amazed that I get to do what I love. The entrepreneurial moms featured here agree. Michi is happy her stand-up paddling business lets her work on the beach. Tab is ecstatic that she not only enjoys being perfectly groomed anytime she wishes, but also relishes the fact that many Pinays have access to those services. Anna admits that it’s not all roses. “Of course when projects start piling up, it becomes very exhausting, that when all’s done I would refuse to pick up a pen for days or weeks! But in the end, my love for writing (literally!) wins me over. And I keep reminding myself that not everyone is as lucky – earning from something I love to do, at the comfort of my own home.” 

For stand-up paddle tours, lessons and gear, contact SUP Central Tours in Coron 6390 188 6609; Soloviento Caliraya 09188911968 

For invitation calligraphy for weddings, debuts and corporate events, logo design, and other paper products, contact Calligraphy by Anna on Instagram: @CalligraphyByAnna and anna.aquinochavez@outlook.com. 

For waxing and face grooming needs, visit the websites of The Strip and Browhaus.

 If you need help registering your business and paying your taxes, sign up for Taxumo! Use my code FRANCES to get P100 off the first time you file your taxes and FREE one month for Taxumo PRO =)

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Tuesday, April 24, 2018

Review: BabyLove Premium Gold Pants Diapers

Hi mamas! I told you last week that we finally tried out a new diaper brand. Because life is short and it presents lots of choices and it's fun to explore those choices, right? And also there's now online shopping! Now here's my quick review of BabyLove Premium Gold Pants.


1. It's a quality product.
Notice the word "premium." That means it's special and it really is. No joke! When the BabyLove diapers arrived, the diapers felt luxurious. Excellent materials. Soft and light. Cute design. Smells good. Really well-made. I know quality when I see and feel it and this BabyLove diaper is top notch.


2. It makes my son feel comfortable. 
The diaper is soft and smooth all over. No sharp edges, no scratchy surfaces, no plasticky feel. Nothing that can hurt or irritate my son Piero's skin. And with him, we have to be extra careful because his skin is more prone to allergies than his brothers' skin. And BabyLove diapers are hypoallergenic. Really a great pick for babies with skin allergies!


3. It really keeps my baby dry.
It quickly sucks up all the pee, so the skin isn't exposed to any wetness, and then it keeps all liquid away from the surface. It doesn't matter if Piero sits, lies down, bounces—that trapped pee is not going to leak out at all! Why? It has Lock & Dry Protection which is really just the absorbing microbeads in the center of each diaper. (These make for great science experiments, by the way! Maybe we can talk about that in another post.) Plus, it also allows air to circulate so the skin doesn't sweat. And we like the leak-proof barriers around each pants hole. These fit snugly around each chubby thigh, preventing any leaks.


There you go! My three reasons why I love BabyLove Premium Gold Pants!

Actually, it's Piero who loves them because he wears them all the time. He likes them so much, our toilet-training sessions have been derailed because, in Piero's words, "Mama, I want to wear this FOREVER!" Uh oh!


Mamas, if you're looking for a new diaper to try, do check out BabyLove diapers. Get them from Lazada so you can have the ease and convenience of having your new diapers delivered to your home. It's Lazada's Birthday on April 25 to 27! You can get your BabyLove diapers on COD terms and shipping is free! SHOP HERE!


Check out the Facebook page of BabyLove Philippines for more info!

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Sunday, April 22, 2018

Waiting in the wings

"By 40, all women are amazing."

 Gwyneth Paltrow said that in an article for the November 2016 issue of Harper's Bazaar. That month, I turned 40 and reading that quote from supermom Gwyneth just made me feel... I don't know. Not exactly amazing. I was thinking, "I'm 40. I'm amazing. And yet I don't feel amazing because NOTHING is happening to me. I'm just here at home, elbow deep in childcare, and trying to get some sort of work done. I'm nothing special. I used to be hot shit. Now, nothing."

This blog post has been brewing in my head and my heart for more than a year now. Maybe more. I've changed my mind many times about it as my heart and my head fight it out but I finally let myself submit to the one who should have always been in charge anyway—my Lord! And right now, God is telling me that the only thing I should be concerning myself with is being there for my husband and my sons.

That's it. And that's okay.

This struggle started when my third son, Piero, was born. I've mentioned a few times that I've been having a hard time adjusting to having three kids. Actually, I realized just recently that I was having a hard time adjusting to three kids AND my need to be doing something else. I have three kids and juggling two jobs: I'm a blogger and an editor. I also squeeze in writing assignments, Boss Bellas workshops for Manila Workshops, and PR campaigns for brands sometimes.

Last year, 2017, was really hard for me. I went back to work while also still blogging, right? Well, I was confronted with the fact that I can't get paid higher or even equal than my last salary, I don't know a lot of things anymore because the world has moved on and it moved fast while I was being a mommy, and I was nobody again, working my way up the ladder again. And I was 40. "Life begins at 40," so it is said. I just didn't imagine 40 was going to be truly life beginning again.

Last year was very humbling. I remember one night when I sobbed to my husband Vince, telling him I had worked so hard and so long to become somebody and then motherhood happened and now I had to start all over again, like all the work I did before didn't matter. I cried, "What was all that for then? I feel like I wasted my life!" And he gently told me, "You know who you are. You know the work you can do. What you know about you and your work is what matters." Something like that. I was very upset that night! But he helped me feel better. My pride was wounded but it's okay. We all need to be knocked down once in a while and I'm glad that happened. I'm more humble now. And in many ways, I'm a better person because of it.

Celebrating our 11th wedding anniversary with the kids! 

I'm grateful. I may not be amazing anymore but I do have an amazing life and I really ought to be grateful. God is good and He is faithful. Yes, I stepped aside and focused on my family. Yes, I did something else (I did the crazy freelance life! I put up a blogging business!). Yes, other bloggers have become bigger and better. That's okay. I always liked the path I chose. Sometimes, however, I have to be reminded that I chose this and that I like it.

If you're a mommy who had to give up her career or pass up on a promotion or you find yourself saying no to a lot of nights out with friends (or concerts and musicals like Lion King!), breathe in, breathe out. Life isn't passing you by. Your life is happening right now. And one day, if you choose it, then the career will happen. The dressing up again will happen. Your super hot bod will come back again. Sure, it will take a ton of work but if you want it, it will happen. Just wait. I like to think that it's the other way around—that kind of life is waiting for you. You're just too busy with the important stuff right now.

My mommy life is happening and it is so very real, too—all its mess and chaos, sweaty hugs and sticky kisses, deafening shouts of joy, soft breaths of babies sleeping, conversations deep into the night with my husband, hearts bursting as we both watch our kids grow. Not a milestone missed! Add to that my working life and, honestly, what is this waiting for? I'm living the dream right here, right now. How crazy lucky am I?

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Update, January 2021: This blog post is part of my first book, Not Invisible, my mom-oir! Grab a copy from Ukiyoto Publishing and Amazon.
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Friday, April 20, 2018

Considering a career change around your kids? Here are questions to ask first!

All mothers are busy. We can all agree on that, right? But when the kids are already spending all day in school, or you're lucky enough to have responsible household staff, and you feel that you now have time to do what you've always wanted but still have time for family, what do you do?

Many mamas feel they are missing professional challenges in their life. Now that you have a little bit of time on your hands and your long-suppressed ambitions are getting rowdy in your heart, then it might be a good idea to look through your career progression options. Whether you would like more flexibility or better time management, there is a perfect job out there for you. Before you make your final decision, however, you will need to check whether you can complete the transition and get what you want out of your new career. Here are the questions to ask yourself:

Do you have support?
Looking for a new job or asking for more work responsibilities is not just a professional decision. You have to make sure your family is behind you 100%. That means they really will be there for you when you come home late or need to meet deadlines. Supportive means they won't complain about the hours you spend studying or training. Supporting you means no emotional blackmail and making you feel guilty. It's hard enough to be a working mama so you're going to need your family's cooperation if you believe it's time to pursue your dreams.

Do you really have the time to pursue this?
One of the things mothers struggle with is time. You don’t want to spend more time away from home than necessary. If you are working full time at the moment, you might not be able to commit to training and development. If your training or further schooling is far from home, you might feel bad at the long commute, especially if you live in the traffic hell that is Manila. Before you decide which career option to go for, it is important that you check the time it will involve and if you're okay with committing to it. I'm not being discouraging, okay? I'm just being pragmatic. Best to know if you can do it than jump in and then find that you wasted your family's money and efforts because you didn't have the time to do it.

Being a consultant editor for BABY magazine was perfect! I brought the kids along to photo shoots, for example.

Can you build on your existing qualifications?
One of the best ways of speeding up your career progression or transition is to look for a new course that takes into consideration your previous qualifications. As an example, if you would like to upgrade your diploma online RN to BSN you will get credits for your previous course and get your degree faster studying at your own pace.

 How flexible are your choices?
When raising kids, you will have some important responsibilities that you cannot neglect. Ideally, you would like to spend the weekends with your family, eat dinner with the kids, and be able to attend parents’ meetings and football matches. If your chosen career is not likely to give you this flexibility, you might need to look further. If, however, you will be able to work from home for a couple of days a week, you can work around your family life. That's my life now! It takes a lot of discipline, working from home, since there's a bed, a TV, and books to distract you! But I do enjoy working from home.
There's a lot of cute guys in my work place. Here's the littlest one!

Have you considered starting a business?
If you're tired of your office hours or the commute or if you're a housewife who now wants to work but doesn't want to go back to the stiff corporate environment, then you might consider starting your own business and being your own boss. Like I did! While at the beginning you’ll need to put in the extra hours and work hard, in the end you will get more freedom and money to spare. Consider your options and build on your strengths and opportunities to create a long term plan that works for you. From blogging to becoming an affiliate, virtual assistant, or online accountant, there are several options to choose from, depending on your qualifications, interest, and skills. 

I turned my blog into a business: I get sponsorships, partnerships, brand ambassadorships, and launched workshops.

Us working mamas often struggle with work-life balance. If you feel like it is time for a career change, consider your current and future commitments, and what your new job will help you to achieve. This way, you can not only improve your career, but also live a more balanced life.

*This post has affiliate links.

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