I'm a money conscious person and I think I should know how to budget wisely and must know where all my money go. I already made a list which I call it myself as a Priority List to perused with everytime I receive my salary. And I always remind myself to stick with that list of budget to be in check with every cent of my money. But the thing is, I tend to forget and neglect this list at times. And I must say that not taking seriously and not really sticking to that priority list is indeed no use at all.

If you want to handle your money wisely, follow these steps:

- Spend less than you make.
- Keep paperwork (receipts, cancelled checks, credit card statements)
- Beware of credit card debt.
- Resist wasteful habits.
- Shop wisely.
- Pay cash.
- Use critical thinking when considering an expensive purchase.
- Exchange room and board for work.
- Stay healthy.
- Conserve energy.
- Get a job.
- Get help if you're in financial trouble.
- Don't gamble.

Hope this helps you and will lead you to a more effective budgeting.

Thanks to my friend Jean for this very kind message.

And now, I want to say this also to my fellow bloggers.

Thanks to Amor, Dennis and Orellie for this tag. This post is way too late as I can't figure out of what am I going to share. And now I finally made it.

So here we go....

  • My friends (insane friends) baptized me with the name Chai and I'm being called with different nicknames at home.
  • Most of my friends and acquaintances often perceived me as maldita or mataray. Especially at their first impression.
  • I've been a spoiled brat until the age of 7 only cause I was the youngest then.
  • I love color white.
  • I'm choosy with friends.
  • I'm a little impatient.
  • I can keep secrets.
  • I love music.

I love the blogs of these people and I'm glad to pass this award onto them! All they need to do is to leave the following message on their post when they pass the award on to their chosen eight bloggers.

They all are charmed with the blogs, where in the majority of its aims are to show the marvels and to do friendship; there are persons who are not interested when we give them a prize and then they help to cut these bows; do we want that they are cut or that they propagate? Then let's try to give more attention to them! So with this prize we must deliver it to 8 bloggers that in turn must make the same thing and put this.

I want to thank to my best buddies Bojoy and Molit for giving me this award.

And now, I want to pass this friendship award to my chosen awardees (friends). I want to extend my friendship with these people the kind of friendship I am sharing with my best friends (Hazel, Molit, Joy, Mae).

Orellie | Jean | Czyrel | Vale | Kurt | Jam | Dennis | Joanna

P.S -- sa sunod nalang ang uban kay perting daghana. Bahin-bahin lang.

This morning, once I got connected to the internet, I visited blogs ramdomly from my list and all of which have discussed the same topic and it's no surprise. Obviously it's about the diagnostic level-up exam we had taken yesterday (sunday). The ones who posted about the exams shared common feelings like frustration, anxiety, fear and the like. Well, I must say I also feel the same. I mean, who doesn't?

I arrived just in time and was almost late yesterday. I didn't get the chance to relax and prepare myself before taking the exam. And I blame the jeepney driver for that. I was so pissed off with him. But even if I got the chance to, I think it won't make any difference. The exam i took was really a hard one for me. I don't even Know a single thing especially on the multiple choice. Maybe because of the anxiety I felt that I couldn't read the words properly. I was sitting with my eyes fixated on the screen disbelievingly. I can't believe that was happening. But there's no escape from here. I have to take every exam that I have to go through or whatever the company requires.

I was a tad relieved when the last part of the exam comes to an end. But that relief has short lived when the manager further announced the vocal exam. Oh my goodness! There is a part two of the exam that has yet to come.

I'm not that excited to know the result, to be honest.

Good luck to all of us!!

Stubborn and hard-hearted -- Uuhmmm.... sa enemies YES, I am. I'm a good person but I'm not a saint.

Ambitious and serious -- Not that serious, i think. I know how to cheer people up somehow.

Loves to teach and be taught -- It all depends! Only on the things I want/like in particular.

Always looking at people's flaws and weaknesses -- Not exactly. Observant is more like it.

Likes to criticize -- Seldom.

Hardworking and productive -- I don't think so. Right, sometimes yes, sometimes not.

Smart, neat and organized -- Admittedly, I'm not that smart (50 /50). But I am neat and organized. Am I? You think so?

Sensitive and has deep thoughts -- Very much true. Need not to explain.

Knows how to make others happy -- Yes, of course. Pero depende gihapon sa tao.

Quiet unless excited or tensed -- Not sure.

Rather reserved -- People who knew me well said I am. I guess it's true.

Highly attentive -- Sometimes yes, sometimes not

Resistant to illnesses but prone to colds -- Resistant to both illnesses and colds. Buyag...buyag...buyag...

Romantic but has difficulties expressing love -- True.

Loyal -- True.

Has great social abilities yet easily jealous -- Kind of true.

Very Stubborn and money cautious -- Please exclude the word VERY. My family, friends and my previous colleagues said I am kuripot. Dili man pud sa ingon (hehe, deffensive?). Alangan kung wala gyud diay ko kwarta beh. Magpaka-naa ko? huh? Aw, wala ko nasuko ha. It's just that I'm not a materialistic person. I only buy things that are important and I can enjoy with. I'm not more into accessories, I don't follow every trend and I don't even spend on make-ups. Pero girl gyud ko ha?! Ayaw gyud intawon ko ninyo dudahi. I spend if it is necessary. I spend for food if I'm hungry. Whatever I want to eat. Dili ko kuripot when it comes to food but only for a reasonable price. Bahala medyo kamahalan as long as it satisfies my growling stomach. Og syempre....dili mawala ang budget para sa laag. I won't let my thriftiness affect my happiness. Tama ba ni ako inenglis? In short.... dili ko OA nga pagka-kuripot. ok? Or maybe, I'm not kuripot after all. What do you think, dili noh?! Tubag.