unexpected ways I save money

The thought of keeping some bucks into my pocket is always welcome.

Here are the some unexpected ways I save money.

1. I have switched to shampoo bars

109 pesos shampoo bar from Lazada will last me more than 5 months a piece. (Whoops shampoo bar from Lazada - you can get it from Shopee as well)

So what I do is buy 2 or 3 pieces at a time then cut 1 bar in half and use it till it melts.

Saves me a lot of money. They are unscented at it lathers really well.

I remember before that 

2.Haircut - buying a scissor specific for hair cut has saved me a lot of money.

Especially because I am not picky when it comes to my hair. 

I have wavy hair and I usually like my haircut plain straight. So I just follow a simple tutorial on YouTube and cut my hair away, annd since my hair is naturally waivy, imperfections are unnoticeable.

Of course, in a year I still get my hair cut from a salon but for just refreshing my hair with a 1 to 2 inches of trim, I am confident that I can diy it at home ☺️.

3. Waxing - although waxing at salons are convenient, it becomes burdensome due to price hence I became determined to do my own wax.

I watched a lot of tutorials online. At first I was drawn to sugar waxing, then I have tried hot waxing and lastly hard wax.

I learned that hard waxing is best on sensitive areas because its less messy while hot wax where in you use wax paper is best for legs.

Just a disclaimer though, I think DIYing hot wax is a skill. So just do it if you are confident you are not gonna burn your own skin. I feel that I get comfortable doing it on my own because I observe the people who work at the salon closely & Ithink that I don't have that sensitive skin, so I can tolerate some heat👍.

That is it for now..

Debt snowball... my 2nd debt

 2024 arrived and I can't help to feel that sure time flies.... time flies so fast.

Not to mention I am on my late 30s now. Its sad but that is the reality of life.

I can only move on and do what I think makes the most sense.

So this January for sure, nobody will be exempted even me, making a goal on this first month of the year. Because that's what people do. There is no escaping it 😆.

Here it is- not sure if I can make it.. but I will try to pay off a personal loan whopping 5digits total this year.

To date, this is the highest loan i have next to my mortgage... And remember my lowest debt is a loan from SSS? Where I paid more than double the amount of my takeout loan. <I dont know why I do not have a post about that loan but I will sure make one once I made sure I haven't talked about it in this blog yet>

I have a very bitter memory about that sss loan because I thought that I can get a 100% condonation like it always have done in the past. I thought I am going to outsmart it by not paying for many years banking on that condonation policy.

Then the the reality slaps me in the face and the 100% condonation did not happen the way I expected it. Hence the bitter ending of paying more than double the amount of my take-home pay whopping 27,162.63 pesos.

A real life example of the borrower is slave to the lender. That I am at the mercy of the institution where I loaned money from.

That they can change the terms of payment or change the condonation policy however they wish.I am sure glad I had that taken down last 2023.

Anyway, as I was saying. My next target and my first goal for the year 2024 is to pay my second largest debt. My personal loan.

I guess I cannot run from it for long.

Wish me luck...

"the borrower is slave to the lender"

That is it for now... comment down below what is your 2024 goals ♥️.