I've got some spending issues to tackle this Christmas and that's all about my unexpected expenses. Less was budgeted than the actual expenditures. I came in short with my presents so my first instinct was to charge it to no other than my credit cards, which I dreaded to happen. I swore not to spend more than a specific amount. Only to my surprise. Oh my *gulay! The figures got doubled after getting all the forgotten items. Oh well there goes my penance, perhaps that would be of lesser evil if I try to think of paying mortgages and loans each month.
Lesson learned: shop earlier so as not to accumulate a big expense that may eventually result to bad credit. Although it is now easier to find resources for people with bad credit. I still prefer to manage my finances controllably.
*Gulay means vegetable in Tagalog language.=þ
a life like ours is comparably black & white. That had turned colorful by the richness of experiences and dreams that we uniquely share in our day to day life here in Thailand. Simple living is what we deeply desire and the pleasures we get out of this lifestyle is everything that we fondly reveal. Get to know what interests us...variety of foods, travel, technology, health and lifestyle, photography and a lot more.
for cakes and catering in Cebu 
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