Seven Financial Lessons

It’s no secret our grandparents view the world differently. If you’re like the majority of people, your grandparents or great grandparents lived through the Great Depression. The financial lessons they learnt during that harsh time are a legacy worth sharing. I was lucky to have been able to spend time with my grandmother learning the many life and financial lessons she had to share. Some I’ve learnt well, others I’m still working on. 

1. Cash Only 

My grandmother never used credit. Ever. She only paid cash. If she didn’t have the cash , she didn’t buy it. She was always able to save. She was a classic example of ‘it’s not what you earn, it’s what you spend, that matters’.

2. Value What You Have

When you value your belongings and consider them investments, you take care of them. Nowadays, it’s seemingly cheaper to throw it away and replace it than it is to repair it. That goes for everything from clothes to appliances. My grandmother took care of all her possessions because she valued not just the item but the money it took to purchase it in the first place.

3. Practical Skills Are Priceless

My grandmother grew up in the province and like most women of her generation she knew how to do and make a great many things that we now outsource to industry. She could cook, knit and sew, milk a cow, garden… you name it, she could do it. She also used some of those practical skills to earn a little extra money and keep herself busy.

4. Emergency Fund

Of course, my grandmother never called it an emergency fund, to her it was ‘saving for a rainy day‘. And, it was a priority. She knew that having money in the bank was insurance against adversity.

5. Grow Food

My grandmother knew that a productive kitchen garden ensured you always had plenty of fresh vegetables available, regardless of the state of your budget. Good food is the foundation of good health. 

These are the vegetables from my mini garden.

6. Wants and Needs – Know the Difference

We’re constantly bombarded by advertising… It’s no wonder we can’t distinguish between a want and a need. Everything seems to be a need. Being able to make this distinction can mean the difference between living well with money in the bank and living from pay cheque to pay cheque with a mountain of consumer debt looming over you.

7. Luxuries Don’t Have to be Expensive

Like knowing how to discern the difference between a want and a need, my grandmother also knew that sometimes the real luxuries were the little things in life: taking time out to enjoy a sunny day, fresh flowers in a vase, a special dessert. Not a designer bag or luxury cruise in sight!

I’ve weathered a few financial storms during my life and I hope that, like my grandmother, I’ll be able to pass on some of the wisdom I’ve acquired (the hard way) along with the wisdom passed to me, to my own future grandchildren.

How to be stylish without spending money

Bargain shopping can be turned into an art. Once you've mastered it, your closet will be full of cute and affordable clothes that express your unique personality and style. There are numerous ways to shop on a budget, and it might take a little experimenting to see which method of bargain shopping is best for you.

I am wearing a white top which I bought for only 100php and black bottoms for 50php.

1. Shop at Outlet malls or Tiangge. 

 Outlet malls carry discounted clothing from past seasons, or clothing from current seasons that isn't selling well in retail stores. And, while already discounted, outlet stores have sales too. The sale price of an already discounted item is a great way to be stylish while saving money.

• When you walk into an outlet mall store, there will be beautiful displays just like in a traditional retail store. Instead of shopping here, head to the clearance racks to get the best deals.
• Outlet malls tend to become a whole day affair so make sure you allot yourself enough time to shop.

2. Go thrift for clothes. 

Shopping at thrift or ukay ukay stores is an awesome way to save money and find one-of-a-kind pieces. Thrift isn't as glamorous as most shopping experiences – thrift stores can be dirty, dusty, and extremely cluttered. But if you're willing to dedicate some time to thoroughly look, you just might find some gems.

• Thrift stores are cheaper than any other store or sale rack. You might find less clothing to buy, but the pieces you do find will be unique and affordable.
• Thrifting will allow you to include some other fashion eras in your wardrobe. Good fashion is timeless, so adding some vintage pieces will enhance your closet.

3. Shop at factory overruns store. 

These are the best stores to shop at when you're looking for designer brands and current trends at friendly prices. They normally carry clothes that are in season and offer a huge variety.

• Some examples of these stores are Factory Overruns. You can find these stores in almost every city, so go online to find the discount stores near you.
• When a major designer produces more items than it can sell at department stores, off-price retailers, otherwise known as discount stores, buy the merchandise at discounted prices. Then, they pass these savings onto customers. This is how you're able to save money shopping at these stores.
• Full-priced department stores have the option of returning merchandise to clothing manufacturers if it doesn’t sell, but discount stores’ purchases are final. Because of this, they must sell everything they have in stock. This makes sale prices astoundingly low.

Probuild Tc Termite Control

Looking for a proven and effective termite control formula? Try using probuild tc for safe and effective termite control. I have been using this product since 2007 and it saves me a lot. This product is really amazing. A 250 ml bottle can be converted to 16 liters of formula all you need to do is add water. 

250ml + 16 liters of water 

If you can't consume that amount you can just add 1 liter of water and a few amount of probuild tc to a spray bottle and its now ready to use. You can spray it to affected areas. It has no foul odor so no need to worry.

ProBuild™ TC is the perfect combination of quality and affordability in a pre-construction termite treatment. Formulated for superior control and lasting residual, ProBuild TC is the ideal choice for protection against all Subterranean termite species, including the Formosan termite. Soil treatment is the fundamental method of pre-construction termite control and by treating termites at their main source, the soil, ProBuild TC is the reliable solution to protecting homes from termite damage.

Product Highlights:

Application ProBuild™ TC is approved as a pre-construction soil application labeled for the control of all subterranean termites, including the Formosan species. ProBuild TC provides termite protection that can remain effective after ten years. Refer to the label for other approved ProBuild TC applications and restrictions. To mix ProBuild TC, check the label to determine the appropriate concentration. Application volumes are also included to ensure desired product performance. Always wear protective eye wear when applying ProBuild TC. Respiratory protection must be worn when applying in non-ventilated spaces. Refer to label for other personal protective equipment information. ProBuild TC should not be applied directly to water or to areas where surface water is present. 

Always read and follow label directions carefully.

Dependable, cost-effective termite protection

Proven active ingredient (cypermethrin) both kills and repels pests

Favorable environmental profile

Remains in desired application area by binding to soil and organic matter

For orders you may call 0916.556.1808 Delivery is available throughout Metro Manila.

For provincial orders shipping fee will be charged.

On demand pick up and delivery right from your doorsteps.

It's very frustrating to go out these days due to traffic. It will took me an hour or two to get to my destination and it's really time consuming heading out. I always ended up not finishing my errands because of the traffic here in Metro Manila. One of the burdens that people faces these days is running out of clean clothes to wear specially this rainy season. But you no longer have to go out to get your clean your clothes done. Raspberry is here to help you do your life a bit more easier. You just need to call or book online and a friendly pick up guy will be at your doorstep to collect your dirty clothes same day and deliver them back to you fresh and clean. If your still not satisfied let me tell you more....

At Raspberry Laundry and Dry Clean we practice one machine per person so we have a minimum order of 8 kilos as we collect from your home or office. All items are counted and handled with care. We double check everything before we deliver your item to make sure that there is no missing piece left in the washing process. You will get your clean clothes back after 48 hours for machine wash items and 2 to 3 days for special service like hand wash and dry cleaning. We also have express service same day pick up and delivery. Not only that if we pick it up from your home you can have it delivered from your office or anywhere that is more convenient to you specially for those people who is always on the go. 

To know more about our services you may visit our website www.raspberrylaundry.com

DIY Air Freshener

We always wanted a clean and fresh scent inside our home in the living room, bath room or bedroom.
Just recently my water air freshener is no longer functioning and I had no choice but to think of other way I could to eliminate the odor from my bed room. So what I did was I look for an empty sandwich spread glass container and fill it up with baking soda or sodium bicarbonate and I put  a few drops of my favorite essential oil. I mixed them together and put them inside my bedroom. When I turned the air conditioner the smell came out. It smells so clean and even lasted longer.

 

 

Five types of toxic employees and how to deal with them.

Shoe Hacks