Saving

Lidoderm lidocaine patch, I am slowly squirrelling away money. My savings last 2007 was erratic, in proportion to my haywire spending. But I managed to save 25% of my gross salary for last year. Amazing. Come payday, the trick was to immediately deposit my savings into the bank and consider the money gone. Then I could spend the remainder on whatever with total peace of mind, lidoderm lidocaine patch. And I managed to fill up a coin jar with 5 and 10 peso coins... will count and roll them up tomorrow so I'm in for a happy surprise.

Once I hit a certain amount, I moved that chunk into an equity fund at a bank, which would yield a higher interest rate than a normal savings or time deposit account. Of course, lidocaine hydrochioride jelly, there is some risk involved since UITF's (unit investment trust funds) are not PDIC insured. Lidoderm lidocaine patch, But well, I did not put all my eggs in one basket and I'm still young enough to recoup the loss if ever. Eventually, I hope to distribute my savings in the following funds: emergency/rainy day fund and investment/freedom fund.

Saving Goal for 2008: Save at least 20% of my gross income. Learn more tricks to save money.

Sharing

I was very happy that last 2007, I could finally contribute to our family's household expenses instead of being the one to receive money from my parents. I also share what I learned about personal finance management via this blog or in conversations with my friends, lidoderm lidocaine patch. As my thanksgiving to God, I pledged a tithe of my gross income to the kingdom work: part is for my home church, part for my college campus ministry IVCF, and the rest to bless individuals in the ministry. Lidoderm lidocaine patch confusion, To end, here is a classification of giving shared by Kuya Boyet during our IVPM discussion group last Friday:

Kinds of Giving:

1. Surplus Giving - giving the extra, or what's left in my pockets after I have already spent money.

2. Contentment Giving Lidoderm lidocaine patch, - I give the tithe in time of plenty and I am comfortable with that amount. But that's it.

3. Sacrificial Giving - giving until it hurts: like the widow's mite in the New Testament and Abraham sacrificing Isaac in the Old Testament.
  
I have definitely been more blessed in giving than receiving; so far, this verse has been proven true:

"Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the LORD of hosts, injest lidocaine cream, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it." Malachi 3:10 KJV
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3 Comments »

1. 

   Uy, I wanna try that UITF thingie. Let’s talk more! lol.

   Thanks for these ideas! You’re amazing.

   Comment by Joni — January 7, 2008 @ 6:43 pm

2. 

   My sister does that 5 and 10 peso thing. I tried it, but men’s pockets aren’t made like women’s handbags. There are only so many coins you can fit in there before you’re walking with your trousers around your knees.

   Had to finally give it up cause it got to the point where I coudn’t get on a jeep anymore because I was hobbled.

   Comment by Dennis — January 8, 2008 @ 5:45 am

3. 

   dennis: since my bags are usually gargantuan, the coin thing really works for me. if u’ll have that natl geo backpack though, pwede…

   joni: sa friday! it’s a date!

   Comment by Rita — January 9, 2008 @ 7:25 am

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