Life in Zambo

Well, okay, so I never had a list of what I wanted to do for the past years. This is going to be the first time I'll be putting goals down. Maybe before the year ends, I'll even have a bucket list of long term goals. I never made a list, because I always thought that plans always don't push through. But not anymore. I haven't thought like that for a more than a year now and now, I like planning years to come. Now before I start writing down my plans for 2014, here are some stuff that happened in 2013. I backpacked through five countries in 16 days. I backpacked with some friends and the boyfriend locally. I opened a new bank account. I got my stock portfolio. I started blogging again. I started an emergency fund and travel fund. Lost 10 kilos.

Paydays usually fall on the 15th and the 30th. When I still worked at my first call center, and if the 15th fell on a Saturday, we'd get our pay on the 14th. The funny thing was, it's still the 13th and people are already itching to withdraw from ATMs. We'd call the last few days towards the payday " tingbits ". That's short for tingbitay, an expression Cebuanos use that means "running low on cash". My salary used to be between P10,000 - P15,000 at the time. Since I was a fresh graduate, the frugal living that I led and taught my younger siblings were carried over by habit and I managed to live somehow without asking for allowance from my parents. Then I met Lifestyle. I met Starbucks, Bo's Coffee, met with McDonald's and Jollibee as much as I can, and even forgot that I used to see Carinderia to shell out just P20 during midday. Regretfully, whenever it was payday, I always found a way to spend it and just lived from paycheck to pay