time for an insurance

So its the time of the year again ! Insurance are parts of our lives here now. We have one for the car , health insurance , and now , my mom asked me to look for online term life insurance quotes . I have been busy lately because of my jobs , and i dont have time to deal with this . But my mom said , i have to find time for it so we can apply for it already. So just this morning , i started to inquire online , and i will just await the quotes to be sent to my email maybe until 2 days from now. Better finish this before my mo would get irritated with be for being procrastinator hehehe.

Enjoy the rest of the weekend everyone !

Purchasing Silver

After my vacation last May, I am now decided to save some of my money into something worthwhile. I am also into my second job, so I know that I still have a few money left for shopping. I am thinking of buying some gold or silver bullion , but its likely that i will get the second option, since the silver price is very competitive in the market nowadays. Silver has proved its industrial use already because it is a durable and divisible metal. It's unique properties , including malleability and ductility made it really a very useful metal nowadays. The Monex Company, something I have researched online sells gold and metal , and you have the option of having it safely kept at a vault , or have it delivered at your doorstep. I might give them a call over the weekend because I still need to ask them a few questions before finally jumping into my decision of buying. I trust Monex because of it's known reputation of being a trusted seller.

So Proud of Me..

I am just so happy on how I can see improvements on myself by how I handled my money. Woohoo!! I still do shop, but now I've learned to shop in moderation rather than my usual compulsive buying practice. With the U.S. economy struggling lately, most stores find themselves in such a position where they have to encourage customers to spend more.. Thus came to ultimate SALE!! Every single store I've been to since last November have been slashing down their prices just to attract customers. This is economics at work.. haha. So maybe I chose the wrong time to stop shopping, I mean I really can't. That's when I challenge myself to just spend a $ 100 every weekend for shopping.

It was hard at first but yesterday while at the mall with my mom and dad (who were basically scouring every racks at Old Navy) I realized that I only have four items with me. Old Navy where having a 40 % sale on all kids and babies apparel so I grabbed some for my niece and nephew. But this time around I think first if I need to buy it ASAP or if it can wait since the sale will be up until the Feb 21. I only spent a little over $ 30 and was able to buy 3 shirts, a palid shorts and a pair of jeans!! Is this really me?!? Then I went to one locally owned shop to buy some tops for work and I bought 2 tops for only $ 19.00!! I am not joking.. I got a black "almost" off-shoulder sweater, I really don't know how to describe it, and a red turtleneck sweater on sale for only $ 6.00!! Told you I'm improving. So I'm still on my budget so I decided to buy 2 dvds since I started collecting some classic and foreign films.

And here's where I saw the major improvement: Every week since last December I am waiting for Hollister to open up their store here, I would always check and yesterday it was already open!! Hollister stores are set-up to have that relaxed, "surf" attitude. It was so dark inside, and I mean really dark, they only have small dimmed lights spotlights by their clothes and then loud music and the whole store look like a maze for me. I was wondering if I'm gonna be able to find the exit, since the store was divided into two sides with couches and posts in the middle, it was just so confusing when you get in the first time. I checked the inside just out of curiosity and honestly, the shopaholic in me would probably have gone out of the store with a big paper bag but nope.. I didn't buy anything.. Figured I really can't see anything inside.. Hehe.. Nope I'll just wait for next week for my $ 100 limit.

I am really so how that now I was able to control my spending. That way I can save money for my trip to Manila.. Where I really plan to shop! Hahaha. I was just wondering on how long will I be able to keep up with this. But they said that if you something for more than seven times consecutively it will become a habit. Then maybe saving can become my habit?!?

Need Cash?

I am currently faced with a lot of expenses, so shopping is not on my to-do list for this weekend. See, I am supporting a cousin to go to college, and this week is tuition fee week. Then I am also saving for my airfare and pocket money for going back home. Lastly, I am planning a summer getaway with my sisters and cousins. So yeah, I can't afford to spend a lot now. I only spend on major ones like the bills. If worse come to worse, I might get a Cash Loan by next month. I have seen this website that offers up to $1,500 as soon as you are approved. And you might wonder how easy it is to apply? Let me guide you becasue I already checked on the website. Everything is done online and securely, you just need to fill up the form and wait for your approval. No credit checking too and no faxing at this site unlike from other loan sites. Isn't it great? And within 24 hours, the money will be deposited in your account. You can also check for some available lenders in your ares thru Get Cash network. In most ares here in the US, they have a site specifically for your state. If you don't want to apply online, then you can just seek for a lender near you. I have tried exploring the website already, and it's so easy to browse, in just a few click, you are already aplying for a loan. By the way, you need to be at least 18 yrs old, working with a checking account to apply, so I guess I passed with all of those. One major thing I like from this site would be the repay date. If you don't have it on the next payday, they can re schdule that, but be sure to inform that you can't pay yet on that period. See how flexible it is?

I hope that I can really manage my finances this month. I still need to pay for our car insurance, and some bills here. I might also squeeze in a short list of shopping items or groceries for the week. But if I really ran short out of cash for next month, I am definite to apply for a loan nd let's see what will happen, These types of short term loans may hve a higher interest, but they are the fastest ones to get approved, and did i tell you that it;s hassle free?

Cash Advance and Payday Loans

Shopping has really made me learn how to budget my money here. At most times, I would hit the mall with cash or with my cards, then when I get back home, I do some accounting of my money and balancing my checkbook. I feel so lucky that as of the moment I never ran out of cash, so does that mean i'm good with budgeting? But though I still have money after doing some of my shopping rounds at the mall, I always have a back up plan for those unexpected, emergency expenses. I already know where to avail of a payday loan just in case i might need one, whether for shopping, bills or just a night out with my officemates. I have seen the different type of cash advance available at the site already, and aside from the payday loans, they also have what they call women's payday. All are easy to avail and is done online securely. You have to submit your application, and ready your documents that they might need, ina ny case you just need to fax those at the number they will provide you. After a few minutes, you will receive a confirmation already if your loan is approved. Within over night, they will wire transfer the money at your bank account. On the other hand, the payment for your loan will be deducted on your bank account a few days after the next payday. See, I already know the whole process of application and payment. So if ever you will be needing some extra cash, apply for payday loans at trustsource.org and get relieved from your financial woes.

Personal Loans

Working on a bank for a few years now and taking up Accountancy in college really made me knowledgeable with loans. Fortunately, I am not into any loan for now. I have been doing good with my finnces, that somehow my income can still support my lifestyle. But if worse comes to worse and I'll be needing money, I won't be having hesitations in applying a Personal Loan. People might think that it is a hassle to do it online, but seeing the website of Personal Loans, I can say that it's such an easyt thing to do. An unsecured personal loan can really help you in augmenting with expenses, especially on emergency situations or just when the need arises. Most of the time, a loan can start at $1,500, but they alos do offer figures lower than that. The process is easy, you just need to fill up a few items on their website, then submit it online to have your loan processed. In a little to no time, you will get your approval. It's a less worry especially in moments of financial needs. If in the future you plan on getting a loan, visit www.americaoneunsecured.com , they surely have something that fits your needs, whether for personal or business use.