Financially stability is probably every Millenial’s dream. Born in a world of economic meltdowns, fiscal and monetary policy, these individuals often look forward to easing their worries regarding finances.
They start early – they look for jobs and side hustles, build empires and turn their passion into business ventures. Of course, the path to these isn’t easy. It can be a breeze when you know where to start.
To help you get started, here are some hacks to financial stability.
1. Build your emergency fund.
There’s no other solution during difficult times than to establish a sizeable amount of emergency funding. Each day unexpected events happen to each one. What’s worse, the outcomes are unpredictable. Some events result in greatness while others result in depression (not the illness).
These events not only happen to us. They also occur to people close to us – parents, siblings, and children. When these occur, you must be ready to buffer against the hardship. A sudden layoff, sickness, and death entail costs that can eat up your operating expenses. An emergency fund will help you sail through them.
If you’re a regular employee with a monthly salary, it helps to save six months’ worth of expenses. Entrepreneurs, people on commission and those without a fixed income must save a year’s worth for their expenditures.
2. Expand your income base.
It will take you awhile before you reach the ideal amount for an emergency fund if you have a meager paycheck. A minimum wage will only get you so far – utilities, food, other necessities, and the remaining for savings. You won’t have enough for investment which is crucial to make your money grow over time.
Thus, you must get creative and bust some move to gain some moolah. Some people get a side hustle on top of their 9-to-5 job. Others explore their passion until they start making something out of it. There are guides and tutorials on the Internet that can guide you and become your inspiration to grow your money.
3. Explore community services.
Privatization and exclusivity may be convenient and fancy, but it’s highly expensive. An Uber ride to work is double the amount of your daily train fare. Therefore, commuting is highly sustainable compared to other modes of transportation. Exploring the travel route from Trinoma to Vertis North saves you a couple of bills while doing good to the Earth.
The same goes for biking and walking. It doesn’t only decrease your expenses. It also minimizes your carbon footprint. Besides commuting, common areas like public parks, museums, and libraries are sources of culture and entertainment. Most of these establishments offer a small fee (often the entrance fee) to maintain their operation.
TL, DR: You can be part of something without spending a ton of money just because of exclusivity.
4. Set a partition on your utilities.
Scheduling bill payment twice a month between both paychecks is a life hack. It spreads out your money and extends your budget. To do this, include electricity and water bills in the first half of the month. The other half covers the remaining expenses such as cable, Internet and other payables.
You can throw in other expenses such as groceries and household expenses in the mix. You can do grocery shopping twice per cutoff. That way, you can easily track where the bulk of your money goes.
5. Use budgeting apps.
There’s an app for everything. There’s an application for budgeting for sure. Hence, use the power of technology to cultivate lasting financial habits. If budgeting and monay management isn’t your cup of tea, you can rely on apps to balance accounts and compute your expenses for you. All you have to do in input the complete details to arrive at an accurate computation of your payments and net income.
Maintaining a savings account and paying off a loan is easy when you don’t have obligations. Family members can add to the bulk of expenses without contributing to income. Thus, use these tips and hacks to maximize your earnings. Once you have enough, start growing your passive income. Being financially stable is based on a having a fixed passive income.
Photo from Unsplash
Being on your own doesn’t mean you can go around the area and trash the place. You need to build a good reputation. A good reputation will help you get along with your neighbors. It makes the landlord proud of you. Most of all, you learn to live accordingly.
You need to cultivate manners. Being a twenty-something at the Lerato for rent is classy, but nothing beats a tenant with manners. Nowadays, renters and homeowners are much focused on traveling. They forget to provide a sense of community because they are not bent on settling. Still, people with class would rather have apartment decorum before expensive upholstery.
Manners are easy to learn if you give time to it. Here are five civilities you can practice.
Habits to start now
Send warm greetings to neighbors
It feels nice to receive a “good morning” with a smile. Why don’t you try doing the same to the people next door?
Offer a smile and nod to acknowledge their presence when you encounter anyone from the building. That way, they can warm up to you. Bid them a good day and remember to say please or thank you every time something comes up. A sincere greeting now and then is the easiest way for people to like you. Plus, they will remember you for your pleasant attitude and friendly demeanor.
Spend time with family and friends
It may not be your neighbors’ business, but having no one come to your home may send warning bells. Neighbors can get suspicious of you. It’s unusual to have no family or friends come over, even just once.
To avoid suspicion, invite your relatives and friends over the weekend. You may not have the luxury to meet them in your hometown or at the usual hangout joint, but your apartment is free. Bring the festivities at indoors. Host a dinner or slumber party. You can also offer your place as a chill out spot for the barkada. You can suggest a potluck on food and drinks if you’re not the type to cook.
Tidy up the apartment
Consider other people in the vicinity, especially if you live in Lerato. If you are not aware, your home extends to the other areas of the complex like the fitness area, pool, gardens and parking lot. Practicing neatness and order doesn’t stop at your unit.
Try not act like a privileged neighbor who has an au pair which follows your every move. If you have to dispose of your trash, properly segregate and wrap it. Take note of collection dates and don’t leave a week’s worth of junk at your door. Don’t expect others to dump it for you. Stocking the junk will leave an unpleasant smell. Neighbors will come knocking at your door.
At the same time, don’t be a slob behind closed doors. While no one can see the state of your rental on days you are in a rush, the stress of having a messy space can affect you. What’s worse, you never know when maintenance will visit. Better keep the place clean at all times.
When people come over, remind them of the rules in the building. It’s best they follow them to avoid penalties. It’s hard to get branded as misfits.
Organize and make the space personal
Space is limited in a rental. It doesn’t have the comforts of a house, especially when hanging clothes. Have a space for hanging delicates in the kitchen or corner space instead of the balcony. Place these pieces of clothing out of the way.
Try to personalize your living area. Add decorations that will bring out your personality. A cozy interior provides a breather from the pressures of work and daily life. Inspirational pieces will break the monotony of the space and motivate you in the walls of your home.
Spreading virus and bacteria especially in confined spaces is possible. The elevator, function rooms and communal are possible breeding grounds for harmful diseases.
Be a good neighbor by taking care of your health so you won’t be the one to start an epidemic in the area. Stay active and make use of fitness amenities in the complex. The moment you find yourself with signs of any sickness, take some rest. If it doesn’t go away, visit your doctor.
If you start practicing these five manners, neighbors will start being cordial to you. Ditch the habit of being a flighty millennial and embrace the warmth of belonging in a community. Attend to your manners and your apartment’s building will be the oasis you crave.
“Often what’s wrong with some modernist houses – they’re kept vacuum-sealed all the way through. And then people wonder why they haven’t any atmosphere.” – John Stefanidis
We all hate damages. Especially when your favorite thing is broken, we feel like we have already lost a very important thing in our life. Whether you like it or not, damages at home are inevitable. One of the reasons is probably because you consistently used that particular thing. It does not matter if you lived in a condo for rent in Bonifacio Global City or any condominiums in the Philippines, you will find damages at home.
But just because might notice some damages, that does not mean that it is going to be a big deal. There are a lot of damages where you can fix it yourself. You do not need to call a professional just to fix it for you. Keep in mind that some damages may be simple enough for you to mend it. To give you an idea, we list down some things you have at home where you can fix yourself.
1. Uneven shower stream
If you know that there is something wrong with the shower, then you should check behind the shower’s handle. There is a valve that is responsible for correctly mixing hot and cold water, and kept the pressure consistent. But before you do the fixing, make sure to shut off the water to the shower, then you can now remove the screws holding the handle through the use of plier and the trim plate on. After, install a replacement pressure to balance the cartridge.
2. Toilet bowl scratches
This is also one of the many things at home where you can fix it yourself. If there are any bowl scratches or anything that keeps the bowl from flushing, then you can clear it with a drain snake. Scrubbing the marks with kitchen scouring pad is also another thing you can use to fix the toilet.
3. Sluggish vent-hood suction
When you have poor suction in your kitchen sink, then you probably need to replace the motor. But before you start fixing, always remember to shut the power to the hood and remove any filters. You also need to pull out the fan blade and find the motor’s wiring harness. Unclip it and unscrew the motor from its blanket. And then attached the replacement motor and reconnected the harness before you install the fan blade again.
4. Dripping dishwasher
This is one thing that we hate whenever it is damaged. Keep in mind that constant use of the dishwasher, the thick rubber gasket along the edge of the tub can also become brittle. That is why, it is important for you to examine the gasket and gently pull it out and reseat it into the tub, and then run the dishwasher. However, if the dishwasher is still leaking, then you should get a replacement gasket and install it in the same way.
5. Slow dryer
It is a must for a dryer to have a proper airflow to finish a load of clothing. However, if your dryer is not working, then this might not a start to wash your clothes. To fix it, you need to remove the front panel and housing cover and unhook the door switch’s wires. Behind that is the blower wheel, remove it from the motor shaft with snap ring pliers. You then need to slide the new wheel in place and test that if it spins by hand. If it does, then you have to reassemble the dryer back to its form.
“I think millennials are a generation, unlike anything we have ever seen on this planet.” –Chelsea Krost
Without a doubt, the rise of the millennials has contributed to the upsurge of real estate developments devoted to solitary living. Although Filipinos still staunchly stand by the ingrained tradition of having children live at home until their married, many of the Millennials today are doing otherwise. This is because millennials, much unlike their preceding generations, have elected to live an entirely independent lifestyle that the demand for affordable and adequate living spaces has seen a rise in the last decade.
It is precisely this phenomenon that we can attribute the recent proliferation of many real estate developments to. In fact, most developers have been erecting condominium towers in almost every nook and cranny in major cities. But, what sets apart a condominium unit from an array of residential living selections? What makes it so appropriate for millennial living and millennials themselves? Well, if you are looking for a good place of your own, you might want to take a gander at the reasons for buying your condo below. This especially rings true for individuals who are in their twenties or thirties.
1.) Meeting new people
The majority of millennials are incredibly social creatures and living in a condo would appeal to them as it gives them an avenue to meet new people. In most cases, condo living means that only a wall would be separating you from your neighbor and unlike most home residential developments, you would be living in proximity to them. Additionally, when all of the units are sold, you will have a lot of new neighbors and a lot of new people to meet. Apart from that, condominium towers are built near business districts and entertainment hubs that it would be easy to find individuals milling about that it would be easy to find individuals who share the same interests as you. Condominiums are also known to have social gatherings for special occasions such as Halloween, Christmas and New Year as a way for residents to gather and mingle.
2.) Enjoy a great lifestyle
Living in a condo practically means you do not need extraneous memberships to a pool club or the gym. Book buffs and skin care enthusiasts are not left out either as many condominiums nowadays come with library and spa facilities. Each condominium development would have something unique to offer each, and it is only a matter of selecting which one is most appropriate for you.
3.) Save more money
Contrary to popular belief, owning your condo unit is not more expensive than renting. It may be not readily apparent at first glance, but if you think of the long-time returns, you will eventually realize that investing in your own space is more cost-efficient than paying rent. Your monthly rental could actually serve as monthly mortgage payments for a condominium unit you would eventually own. Today, there are a lot of condominium developers offering flexible payment schemes that are friendly to your budget.
4.) Have security
Your safety and security are of paramount concern to the condominium developers which is precisely why you do not have to worry much when you have to leave your home. Condominiums have a stringent security policy and would have roving guards patrolling from time to time. Apart from that, most condominiums would even require visitors to leave an ID when visiting. All these so that you can rest easy knowing you are in safe and secure hands while you are at home or not.
So, if you are looking for your own condo space, take a look at some of the units offered in the high street south block, and you might just find a condominium that suits your lifestyle perfectly.
There’s nothing more pampered than having a stylish powder room at home. Agree? Particularly for guests who just need a little retouch, a powder room would be a great spot for them. Generally, powder rooms have a simple space at home. It can be near the kitchen, living room or in the bathroom. But wherever the placement will be, it is still one of the spots most people usually used. And of course, you can definitely have your own powder room whether you are living in your 1br condo in Alabang.
A powder room can also be one of the attractions in your home. Especially when you have guests coming over, they definitely would appreciate if they could use a powder room to freshen up their selves. And if you have a stylish powder room, then you will not be hesitant to let your guests use it. However, if you are not proud of it, then you might want to refer to these powder room ideas and apply it to yours. Perhaps, this is one of the many ways you will love having such room in your home.
1. Tiled walls
Walls are the things your guest would first notice. That is why it is necessary for you to make the walls of your powder room neat and elegant enough. If you have a small powder room space, you can have a little tile that would also compliment with space. You might also consider mix matching the walls and your floor. If your floor is intact, then go for a tiled element on your walls. Vice-versa.
If you think that a mirror and a sink would be enough, then you better think again. There’s nothing more appealing than having stylish accessories in your powder room. It will not only add beauty to the place, but it will also make the room more functional. Perhaps, you can also include a lamp mounted on the wall and a picture frame below it. It is basically up to you on how you want to make it more attractive.
Having storage in your powder room is one of the things you should not forget to include. A small storage space will do, for as long as it will serve its purpose to whoever uses it. Or perhaps, you can store essentials such as hand sanitizer, hand towel, paper towel and other essentials that one can possibly use.
There’s nothing wrong when you go for something that you dream of. Perhaps, you want to have a powder room based on your imagination, then you can definitely achieve such if you want to. However, you also have to be considerate about how others would feel when they use the room. Well, you can go for a cool live-edge counter especially for powder rooms placed in the bathroom.
If you think that having simple tiles on the wall is so simple and plain, then you can also have and use wallpaper for it. Of course, you better choose a wallpaper that would complement with the fixtures. Wallpaper with patterns would be great when your powder room is large. However, if you have a small space, then you can go for whimsical wallpaper. With this, your powder room will still look elegant with the wallpapers on it.
Generally, it is up to you if you want to use the same flooring with the rest of your rooms, or you can go for a more stylish one. And if you are planning to make it different from the rest, then don’t be afraid to mix and match your flooring with the fixtures and other features in the powder room. Just make sure that all the things you do and include will definitely match with one another.
Hands up if you are one of the people who are planning to buy a condo in Philippines!
Buying a condo is not as easy as buying a piece of cake at the store, there are things that you need to consider and reconsider in buying one. Being meticulous in choosing the right condo is also an important thing to do for you not to regret later.
Ask this to yourself, do I have enough money to buy a condo?
It is the right of the buyer to know the price of the condo whether they can afford it or not. If the condo you really want to stay is expensive enough for you to pay, do not force yourself to buy that particular condo. Even though you have a stable job, there are still a lot of things that needs to be prioritized.
You also have to consider the budget for the electricity bill, the water bill and other bills that you have to pay. Being wise is a must when it comes to your budget or money matters for you to avoid any problems in your future stay in the condo.
Ask this to yourself, is it convenient for me living in that place?
Do not choose a condo that is far from your workplace, from the malls, from the markets and from the other places where you mostly go. It will really be difficult for you when you want to go somewhere, especially when it is an emergency yet you are too far from the place where you need to go. You have to consider whether it is easy to go to the different places from the condo where you want to stay.
Easy transportation is also one of the things you have to consider in choosing a condo. Especially when you are a commuter, you have to know whether the transportation in going to the places from the condo is accessible and hassle free on your part.
Ask this to yourself, do I like the settings of the condo and the people who are also living in there? Or am I safe to live in that condo?
When you think safety is compromised, don’t pursue to buy that particular condo. Even though you think that you want to live in that condo because it is nice, yet you are not sure whether if it is safe for you and for your families, and especially when you have kids to stay in that condo, do not compromise your safety and for them as well.
You have to consider the settings of the condo, whether the condo is properly constructed and not easily be destroy when an earthquake happens or is it along the highway where crossing the streets is dangerous. You have to think of the safety for you and for your families.
Ask this to yourself, do I like the treatment they give to me to whatever I’m concern with? Or are they just treating me or other buyers like a crap?
Admit it! We are persuaded when the agents of the condo treat us as buyers or customers in a friendly and nicely way. We like it when they are approachable when we need their help. Of course, who would like to be treated like a crap by someone you barely know?
When you meet or notice that the services from the agents or the staffs of the condo give to you is rude, you have to reconsider their offer on buying their condo. You don’t want to be rude and create a heated argument with them in the future since you don’t like the way they treat you.
Well, you can just ignore rude agents or staffs and treat them back nicely instead. That if you really want to buy and live in that particular condo.
The level of Satisfactory
Ask this to yourself, am I satisfied with the overall quality the condo have? Or will I feel happy and contented if I’m going to buy that condo?
Assessing and assuring yourself whether you’re satisfied or not can sometimes be critical. Sometimes, it will be your dilemma whether to pursue the buying of the condo or not. Well, it is really up to you to decide on that matter.
Also, assessing the condo from the accessibility, the price, the environment and the services they give to you as a buyer can help you decide something for the future.
Hands up if you are sick and tired of having a dull, lifeless and boring room with no decorations at all. How do you like having that? Well, if you just have a house and lot, condo in the Philippines or even just a space, as long as it has a wall that you can decorate on, do some transformations – and then you’re set.
Thinking of what wall decorations that fit your style or your personality can make our head hurt. There are actually a lot of wall decorations that we can choose, but the problem is – if we like the style of the wall décor. Here are some styles of wall décor that you might like to do it on your own and apply it to your room.
Colored pencils as wall décor
This is one of the unique styles of decorating your room. If you have a collection of colored pencils, you might consider decorating this kind of DIY wall décor. Simply arrange the colored pencils into its color to make a beautiful arrangement. If you want this kind of wall décor yet you don’t have a collection of colored pencils, you can buy cheaper colored pencils for you to make it as a wall décor.
Frames as wall décor
Having frames as a wall décor is a typical decoration people usually have. To make it more stunningly beautiful and pleasant to the eyes of the person watching it, you might also have frames as a wall décor with a twist. You can arrange it like a clock, a pyramid shape, a tree or any forms that you like.
Inspirational Messages as wall décor
Waking up in the morning and the first thing you see are the inspirational messages on your wall can energize your day. Of course, it is always up to you whether you replace it with another inspirational message every day. It can inspire you to do better each day plus it is also pleasant to the eyes.
Masking tapes as wall decor
It is a cheap and easy to do wall décor. You can use masking tapes and cut it into the shapes whatever you like. If you want to have it uniformly made, make sure that the size and the distance are all equal. But if you like it abstract, you can have it whatever size and shape you like just make sure that it is not that messy to look at.
Colored papers as wall decor
Like colored pencils, you also need a lot of colored papers to make it a wall décor. You can cut and form it into shapes you want and stick it to your wall. It is colorful and lively to look at. If you are a girl, you make it more girly and use bright colors. And if you are a guy, you can make shapes that suit you or your hobby. Cut it, style it and paste it.
You can also hang the colored papers that were cut into shapes in the strings. You can make it a wall décor or curtain.
Posters of Anime as wall decor
If you are an avid fan of anime, you can customize your wall by putting up a poster of your favorite anime character. You can put the poster on the canvas to make it like a customized canvas, you can also put the posters in frame for a nice and neat look, or you can simply put the poster in your wall. You will definitely be inspired just by looking at your favorite anime character.
Wallpapers as wall decor
This is the easiest way to decorate you wall. If you like something that is more stylish yet complicated to make, wallpapers are the one you need. There are a lot of wallpaper styles that you can choose. All you have to do is have the wallpaper that you like and then glue it on the wall – and then you’re done.
Living with a baby is both a joy and a challenge. Such a small creature can bring about a total change in how you live your life. Aside from the major changes in your life, your living space will be invaded by baby stuff.
No matter what kind of Philippine property you live in, you will feel the huge change in your living space. Even if you live in a house in its own lot and at least semi-detached from the neighbor’s house, you will surely feel this invasion of space; and so much more if you live in a place that has limited space such as a condo in the Philippines.
Below are some tips for living in a condo with a baby.
- Prioritize. If you have settled in your condo unit for many years already before the baby arrives, chances are you will have to dispose of some of your stuff. You will definitely need to create space for a lot of baby stuff such as the crib or bassinet, clothes drawers, and other baby stuff you might want. The key is to prioritize which ones you will definitely need and make use of the most.
- Rotate toys. Toys can be everywhere in most houses that have babies and kids living in them. However, a little clutter of toys can make a huge mess in a space-challenged condo unit. Do not bring out all the toys for the baby to use. Put some of them in storage and then keep them in rotation.
- Look for a playgroup or start one. Most babies and kids will inevitably crave for space to explore. Address this need by going out with your baby as much as you can. You may also look for a playgroup that you can join regularly. If you cannot find any, consider starting one yourself and looking for a soft playground where you can meet other parents and babies.
- Soundproof. Since units in condominium buildings are only separated by not-so-thick walls, the noise that a baby makes is one of the first concerns. Try to soundproof your unit as much as possible. You can use rubber mats on the walls or along spaces in the doors and windows. No need to soundproof your whole unit, just choose an area or room where you can bring your baby when he or she is fussy and making a lot of noise.