Got another card again (sigh)

I received a new credit card last Monday morning, and I have not activated it yet. I have 3 credit cards now and I don’t think having another one would help me erase my debts faster. One of my biggest goal this year is to pay at least half of my payables in my credit card. Half because I want a reasonable goal, I want a goal that I would be able to achieve.

I’ve been reading a lot about money and investments recently, there was even a thread about this in one of my yahoo groups. I guess everyone is interested in investing now a day. But I know, even before I can make investment my self. I still have to clear my self from my credit card loans, and have to stay away from other cards like the one I just got now..that means I have to cut and cancel that card.

It’s hard, I’m telling you. I’m tempted to activate it when I got it. I’m tempted to used again my card to book a Cebu Pacific seat sale. When you have a credit card, your expose to so many debt temptation and find yourself finding ways to pay those afterwards.

Right now, I will stick to my goal, pay off half of my credit card debts and save. Easier said than done, but I’m all set to achieve it,that is why I’m reading a lot about money matters, investments and savings. I am also browsing the net for some good tips and helps. There are lots of site that can be of big help to me, like this one. They don’t offer loans but instead offer you advice on debt solution and Debt Management which I think we all need and can be benificial to us. They even have a downloadable debtguide and though they are base in UK,I'm sure we can still get some financial tips here.

picture..picture

I'm currently finishing my review on Jerlyn and Lester's wedding..and then I got this picture in my e-mail so I paused and taught of posting it here muna. This was taken during Jerl's bridal shower. We really had fun that night!

I hope she forgives me for posting this..at least Sarah have chosen the most decent picture she sent. :)

Well rested

It's been 4 days since Lester and Jerlyn's wedding, yesterday afternoon, Jerl asked me If I was able to get some rest na and I said yes, last Sunday afternoon natulog lang ako. But last night would be my ultimate rest I guess, sometimes our body can be so tired and we don't even notice it until it gives up on its own. Like what happened to me last night, me and hubby was just talking and then the next time I knew it was already morning..I fell asleep without even changing my office clothes! I was that tired..and I don't even intend to sleep that early. Hubby didn't wake me up na daw coz he knows it would be hard for me to get some sleep again if ever.

But then, I thank God for giving me that much needed rest..and though I know I won't be as busy now (at least for the nest few days) in the office I would still need that, Carmel and Andrew's wedding is merely 3 months to go and there are still lot's of things to do. :)

I chanced upon pheng's blog this morning and saw the Cebupac 888 seat sale..I was just wondering if I could book one for December..have to check mine and hubby's sched first. I've been longing to gift my self an out of the country trip..maybe this is the right time. :)

HUGS!!

Two special girls in my blogroll hugged me and I'm so thankful! thanks mari anad joey.
In return, I'm sending this cyberhug to all the n@wies in my blogroll specially those TTC's like me..and of course hugging you back mari. :) hope we will be bless with a cute baby soon!

sleeping late again...

I’ve been sleeping late again..last night I slept at past 1 AM, the other night around 2 AM and last Tuesday night past 3 AM. And to think I woke up everyday at around 7:00 Am. I have regular office hour from 8:30 Am to 6:30 PM.

I know I have sleeping disorder, I am an insomniac and I can stay awake for 24 hours or more, did that many times. Right now, I feel sleepy but of course I cannot do that here.

I’m still bracing myself for 2 more nights of sleeping late, because tonight I’m gonna finish Jerlyn’s souvenir (packing) and tomorrow night will be the wedding, thought I know it would be over at least until 10PM.

So when I have time to sleep I really sleep as in I sleep the whole day and don’t even wake up to have my meals. Hubby knows that and I am so much thankful that he understands my unusual sleeping habits. That is why I am very particular in our bed, the sheets and the pillows have to suit my sleeping habits. I have particular pillows also for my feet. Our bed was not too soft neither too hard. We only bought it last March and it is still good.

But If I have the money, I would really like to invest in beautiful and so comfortable Beds . It’s worth it. I recently chance upon this site and all I could say is WOW!!..I love all their beds and I really wanted to have one someday. Specially this design. I love the headboard, this one has generous layers of cotton and fiber fillings. It is not only pure beauty but also practical because it is a divan bed. I imagine myself sleeping the whole day in that super comfy bed with my husband of course.

And I hope it's gonna be soon!!

Credit card for Bad Credit?

In the US, they say you cannot live without a credit card. A friend who work in GA admitted that, because when she was still here, she doesn’t have any credit card and she feels she don’t need it. But of course when she moved to the US, she felt different.

But is there such a thing as bad credit card Because here in the Philippines once you failed in one credit card company it would be very hard for you to get another one from another credit card company.



If you live in the US and you have bad credit card worry no more, visit their site and see for your self how you can rebuild your credit and as they say your financial future. There is even a section that lets you compare 10 top credit cards on the market for bad credit and provide li8nks for them.

I’m sure you can find one that is so much willing to give you a second chance.

Tired and blogging

It’s 4:15 PM

I still have 2 hours and 15 minutes to go.

But I am already dead tired…so blog muna ko.

It’s such a tiring day for me, in times like this parang gusto ko gawing 2 ang sarili ko so I can do all what is being asked of me na ok and di ako masyado pagod.

A while ago..dalawa boss ko..at sabay pa silang tumatawag..hala! and mind you..tag isa sila ng room..di ko alam sino uunahin ko..

Dami pang phone calls, incoming at outgoing, daming arrangement na dapat i-settle, bili ng dollar, booking at kung ano-ano pa. Sorry if I sound complaining eh ito naman talaga buhay ko..

It’s just that sometimes you get tired talaga…

Plus the fact that I’m acting as my friend’s wedding coordinator na sa Saturday na ang kasal. I still have to print misalette and wala pa syang guestsheets..o di ba super cramming kami?

I am just tired but I’m happy and I feel so blessed.

Gotta go!!..I still have e-mails to send pala…

Training-I miss having one

When I was still in Cabanatuan (Nueva Ecija) oh yes, that was years ago...and was still in the academe world, not really a teacher, I worked in the library for almost 10 years. Of course, until I gave up and moved to corporate world.

When you’re in the academe world, you need to get as many training as you can get and mind you those trainings are not meant solely to have an additional knowledge but it would be a MUST for you specially when you are aiming for a higher position.

So back then, I was fortunate enough to be able attend so many trainings which I considered all to be so useful. One training I didn’t regret having was the ISO 9000 series of training, although I don’t remember much of it now.(because I don’t practice it anymore) I was chosen as an Internal Quality Auditor of our school because of that. And that meant a lot more trainings. I enjoyed most of it except those super long ones that I have to seat all day for number of days and force myself listen to the trainer.

I have to admit, I miss those days. I miss those days where I have to really study because we have worksheets to answer or we have to share what we have learned in that particular training.

I have been working in the corporate world now and have not attended even a single training that would enhance me for whatever position I am in now.

J's Bridal Shower

Kaunting rest lang from the worship team retreat..as in sobrang kaunti lang,nag prepare na kami for Jerlyn’s bridal shower, actually her second bridal shower, her bestfriend prepared one also last Sunday but because we weren’t able to go, we organized another one.

And she was so surprised..we went to Sarah’s place at around 8PM, told her that Sarah invited us (carmel,me and her) for a dinner,of course the rest of the girls are there na at this time, nagtago lang sa guest room, Sarah kinda thought of showing her the rooms kasi first time nya makapunta dito..at siempre pa pag open nya..bulaga!!!!nagulat sha daming tao..hehe! galing ko daw umarte.

After dinner, we went with our plan na…actually, this was a repeat of what they did to me during my bridal shower…she felt so embarrassed at the start but enjoyed it later on, we made her wear our own design toilet paper wedding gown..and put her on the hot seat..:)

We had fun…after the laughters or roars..hehe! we prayed na for her and wished her all the best.

Love you Jerlyn!

Music Ministry Retreat and a Bridal Shower

Good morning!

It was really a good morning for me..though I slept late last night and woke up earlier than my usual wake up time, it was still a good morning for me.

And I have two stories to blog today, I had one busy long weekend but it was good. One about the music ministry retreat/teambuilding (WORSHIP BABAD) last Sunday and Monday, and the surprise bridal shower for my very good friend Jerlyn just last night.

I was thinking of posting it with pictures but I don’t have copies of the pictures yet, still waiting for my copies.

But am too excited to blog so I’ll write anyway…

WORSHIP BABAD

I believe this has been long overdue and finally last Sunday we were able to push through with the worship prayer retreat cum teambuilding. We also called it Worship Babad because we want to spend time intimately with the Lord.

We went to Kawit, Cavite and had an overnight worship in one of our local Pastor’s house. We just worshipped there and sing song to the Lord,cried and prayed and listen to the Lord specially for His plans with regards to the music ministry. We wrapped up at around 2:30 AM, after a lot of sharings from each one of us. It was even made special because a long time back up singer joined us and gave her testimony and we were all touch by what she shared.

The morning after, mga 8 Am, we’re already off to the nearest resort, I think it’s San Miguel Resort, nothing fancy about it anyway we just needed one cool place to relax and have some fun, and so much fun we had indeed. We didn’t know that hubby and neil (the keyboardist) prepared some teambuilding games for us and we all enjoyed it! The “passing through” obstacle is quite hard but we made it and the reflection upon the team was very inspiring and encouraging, hopefully we will now be more driven in the ministry that God has entrusted us.

We went home at around 2:30 PM, re-charged, motivated and happy.

I guess I’ll do the Bridal shower entry later na lang today…I’ll be back!

In God's appointed time

I was absent yesterday, I took a day off to attend to personal things and help Jerlyn on her last stage of preparation..but yesterday afternoon, I found my self sitting at the “missionaries’ fellowship” in International Team Philippines office. Of course it was out of my plan because I have so much in my hands to do. But as always God has his own plans and ways.

That morning hubby told me he will be leading the worship on missionaries’ fellowship and that Pastor Gani (also the IT Philippines Director) requested him to sing their own composition songs..and then I thought..I will come with him but will leave early na lang.

That doesn’t happen, I stayed and I listened to what Pastor Gani is sharing about the mission field and missionaries around the world. I know in my heart that someday it will be our time to go. I married a missionary by heart and a servant of God and sooner we will be there on the mission field.

But that is not what I got yesterday..as I listen and read to these verses,

“For the revelation awaits an appointed time; it speaks of the end and will not prove false, though it linger, wait for it, it will certainly come and will not delay”
Habakkuk 2: 3

“There is time for everything and a season for every activity under heaven”
Ecclesiastes 3:1

I know God is encouraging me to “wait” ..because it will come. I know in my heart it is about the baby we are praying for and I just couldn’t help but thank God for his loving assurance that what He has promised to us will be given in His appointed time.

I praise God for his love endures forever!

Magazine cover?

I enjoyed magging different pictures..obvious na wala akong magawa today.