Pages

Showing posts with label money matters. Show all posts
Showing posts with label money matters. Show all posts

25 June 2009

Where Did Your Money Go?

If you check your pockets and wallets right now, would you be happy of what you'll find? Or do you have a savings account with some banks? Are you troubled for the lack of money?

If your answer to the questions is yes, then good for you. You'll definitely get a different answer if you throw the same questions at me. But if I somehow got you feeling sad and low after those questions, then never worry, you're not alone.

People sometimes have the notion that people with the same job that I have earn more than the common laborers. Relatively, that's true but it still depends though. Some of us are in it just to keep up with our responsibilities on our shoulders. Those who previously worked from other industries would switch to the graveyard shift jobs just to earn extra to pay the bills. These folks even gave up quality time with their families and risk their health due to lack of sleep. It's not as easy as others would think of it.



So where is this leading to?

The figures on my payslip tells me that I'm lucky to be earning this much. But my wallet and bill statements(debts) tells me otherwise. Then I think of my plans and dreams; help our youngest sister though college, give some regularly to my family back home for daily expenses, and buy myself a house. How on earth would I be able to meet and achieve those if my current expenses alone I can't take care of with what I'm currently earning? It really gets you worried, right? Sometimes, even frustrating.

I was searching for tips, tricks, cheats(?), and suggestions how to save money and yet not neglecting responsibilities. And I found a few which were, I say, ideal and could work. But I want to ask from those reading-- and who will be reading-- this entry their own suggestions.
Some of the tips I was able to gather includes the following:
  • Cutting down on trips to expensive restaurants; you can probably still enjoy meals at restaurants but check out there prices first.
  • If you can't stop eating those yummy but unhealthy junk foods then buy less of them at least.
  • You can still enjoy taking a shower using a 'tabo'. It's fun and saves more water.
  • Clean you appliances regularly. Appliances can work efficiently when they are clean.
  • If you have a dirty kitchen, try to use it every now and then. Specially during weekends when you have more time to spend in cooking. It can be messy but again, it can be fun too.
  • Hitch a ride on your way to work. But make sure it's completely fine with the one who owns the poor car.

These are just suggestions. They might work fine for you but for some, it might sound obnoxious. So, guys, if you have tips and tricks you personally practice to save money, would you mind sharing it with us?

We might not be able to return the favor but good karma will surely follow you.



29 December 2008

E-Commerce for Entrepreneurs Series- Internet User's Guide to E-Commerce Policies

The first time I pictured myself blogging, earning wasn't really part of it. I used to see blogging as a way to share my thoughts to the world and what's the best way to do it but to post them on the internet.

It seemed to work since people I know, and even those I don't, get to read my blogs. I even received nice comments from some of these individuals. But it's a known fact that one can't really please everybody. So I know those unpleasant comment are just lurking somewhere. Well, I guess I'm ready for them. It's part of being unique.

But while I brace myself for unlikely comments, I plan to make the most out of blogging. I've already seen how this works when it comes to sharing my thoughts to others to hopefully make a difference. I believe it's about time to try to make some dough out of it.

So I'm now doing some research on how I can properly use the web to earn. I read blogs from those who have been into blogging for sometime now and somehow get some tips from the blogs. I also read some magazines and books on how to achieve the goal I set for myself. And I just read from Fitz Villafuerte about this helpful book which is expected to be out by February of next year.

The book is by Janette Toral. I learned that this is actually an updated edition which include new and more comprehensive information. This new edition of E-Commerce For Entrepreneurs and the first volume of the series is entitled Internet UserĂ¢??s Guide to E-Commerce Policies.

Here's an outline of this book:
Chapter 1: Introduction
Chapter 2: Becoming an I.T. Policy Advocate & Lobbyist
The E-Commerce Law
Chapter 3: E-Commerce Law
Chapter 4: E-Commerce Law IRR
Chapter 5: Rules on Electronic Evidence
SME Policies
Chapter 6: Financing for Information Technology Build-Up (SME-FIT)
Chapter 7: Government Procurement Policy Board Resolution No. 07-2006
Consumer Protection
Chapter 8: Data Log Retention of Telecommunications Traffic (NTC)
Chapter 9: DTI Administrative Order #8: Prescribing Guidelines for the Protection of Personal Data in Information and Communication Systems in the Private Sector
Chapter 10: Bangko Sentral ng Pilipinas Circular No. 542: Consumer Protection for Electronic Banking
Chapter 11: Consumer Protection Guidelines (NTC)
Chapter 12: Advertising Standards Code
Chapter 13: Internet and Mobile Advertising Code of Ethics
E-Government
Chapter 14: DTI-DOF Joint Administrative Order #2: Guidelines Implementing R.A. 8792 on Electronic Payment and Collection System (EPCS) in Government
Chapter 15: Copyright
Chapter 16: Cybercrime
Chapter 17: E-Commerce Policy Implementation Challenges
Chapter 18: Moving Forward

Whether I'll get the chance to own one from the auther herself, for sure I will grab a copy for myself. This book can really guide the pros and amateurs alike. Now I'm looking forward to finding a niche in blogging and books like the E-Commerce for Entrepreneurs series will help me get there.