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
“A bad neighbor is a misfortune, as much as a good one is a great blessing.” -Hesiod
A Chinese proverb once said that a good neighbor is a priceless treasure and indeed they are. Although it is an often overlooked aspect when it comes to looking for a prospective house, it should be an integral element when it comes to looking for the right neighborhood. After all, a good neighbor does not only foster a community of helpful friendliness and comfortable living; it cultivates a good relationship among all the members of the society as well. However, it is not only enough that your neighbors are good, but you also need to be an excellent neighbor to them as well. After all, these are the people you live in proximity with so it is only right that you establish a good relationship with them. So, if you have just moved into a new neighborhood or are seeking to make new friends with the neighbors who have just moved in (whether you may be living in a condominium in Manila or elsewhere), here are ways you can be an exemplary neighbor:
1.) Be welcoming
It might be a little awkward to start up a conversation with a neighbor who is new to the community and even harder if you have lived next to them for months or years, but it can be done. Break the ice by introducing yourself as soon as they move in or if they have been around for quite some time, talk to them. Inviting them to a delicious meal or giving them some of your homemade cookies would not hurt either.
2.) Strike up a conversation
One of the easiest ways to establish a relationship with your neighbor is to strike up a conversation whenever you see them. Instead of just smiling and waving, ask them how their day went and do some small talk. In this way, you can get to know your neighbor better. Remember, try not to broach on topics that are too personal—well not until at least you know your neighbor fairly well and have established a close relationship with them.
3.) Do not snoop on your neighbor’s business
If you have been invited into your neighbor’s home, do not snoop around. Wait for him or her to give you a guided tour and if he or she does not, do not wander. Simply stay where he has invited you. Furthermore, do not try and pry into your neighbor’s personal life as this might make them feel like their privacy or personal space is invaded. Wait for your neighbor to open up to you in his or her own time and if they do not, do not pressure them into doing so.
4.) Be responsible for your pets
Be a little considerate of your neighbors if you have furry friends about. Make sure that your dog does not bark in the wee hours of the morning and also, do not let them leave their waste in your neighbor’s yard as this is one way to ruffle their feathers. Be responsible for your pets, and your neighbors will thank you for that.
5.) Do not be noisy
Should you be throwing a party or hosting an event in your house, let your neighbors know in advance—especially if,, you expect it to be a little rowdy. However, should your event last way into the night, try to at least tone it down and keep your voices down. Warn your guests not to get too uproariously noisy as this is a guarantee that your neighbors would be irked. Or worse, they might even call the cops on you.
Remember, if you want a good relationship with your neighbor, it has to start with you as well. Be a good neighbor yourself and maybe that is all you would need to make a difference. You might never know, but the neighbor you have been living next to for years might just be someone you can consider as a close friend.
Condo living is one of the things most people want to experience. Who does not want it, right? That is why more and more people who want to invest in a condo. Whether you plan to stay in a condo for rent in Makati, or any other condos in the Philippines, there are just certain things you can experience only if you are living in a condo. But before you decide to invest or rent in a condo, there are also certain things you need to know about renting or living in a condo.
Renting a condo unit is not that difficult as you think it is. Yes, there might be certain things you need to follow for you to have a peaceful living, but that don’t mean that you are bound to its rules. Of course, if you just know what and what not to do when it comes to condo living, then you might be able to adapt its environment of it.
What to search for
When we talk about searching, there are different kinds of searches. That depends on what you are looking for. That is why you need to know what kind of condo unit you want to rent for you to save some time and effort when it comes to finding one. Moreover, you should also be clear what you want for a condo. With that, it will be easier for you to find a condo unit that suits your lifestyle.
Where to search
There are a lot of ways you can find condos for rent available. You can find it through online, or some posters given by some real estate agents or you can even find a condo for rent in the newspaper classifieds. It doesn’t matter where you find the property, for as long as it fits on your standard, then that particular condo unit might be for you. Of course, aside from these sources, you can also ask your friends if there are any available condos for you to rent. Who knows, they might know somewhere that is way better and affordable than the other one.
Set a budget
Your budget is important. You cannot rent a particular condo unit when you don’t have any budget for it. Of course, where will you get the money for the down payments, the monthly dues, utility bills, and other expenses that you need to pay? Right? Without any proper financial stability, then you might get into financial trouble later on. That is why, before you decide on where and what condo unit you want to rent, make sure that you can afford any payments that you are obliged to pay. Moreover, there are a lot of condo units that are affordable enough for you to have. So, better choose the ones that you know you can afford.
Know the rules and regulations of the condo
Again, there are certain rules and regulations when it comes to living in a condo. Of course, you are living in a community; you should also expect that there are some policies that you need to abide for you and your neighbors to have a good and satisfying lifestyle in the condo. And if there are certain things or rules that you don’t want to follow in that certain condo, then you better find another one that would also fit your lifestyle. Of course, you don’t want to live in a place where you don’t want to abide any of the rules, right?
Read before you sign
This is one of the most important things for you to consider. Of course, you don’t want to experience headaches when you rent a particular condo, right? That is why, before you agree to any conditions the condo has, then you have to read and go over with it again and again before you sign it. Making sure that everything is in your likings is one of the things that prevent you from having a bad experience when you rent a condo.
“Man’s nature is not essentially evil. Brute nature has been known to yield to the influence of love. You must never despair of human nature.” – Mahatma Gandhi
By nature, we are all friendly. We tend to smile and make friends with strangers. To some, they even welcome them as their roommates. Whether you invest in a Makati condo for rent or real estate property, there are a lot of advantages when we have someone to share our home with. There will be fun and excitement every day. They can also be your life savior when in times you need them.
However, there are just some roommates that are a total opposite of what you have expected them to be. They might be rude, no manners, horrible, discourteous, inconsiderate, insulting or even worse. Well, for some reasons, you will eventually learn their right color on the later part of their stay. For some, having a roommate is a blessing. While for others, they considered it as a nightmare! To avoid ruining your day, here are some ways on how you can prevent such.
Communication is the key
Communication is one of the crucial factors that you should not miss to do. When communicating, it is a two-way process. For instance, you’re going to talk about a particular issue with your roommate, and he listens. Vice versa. Talking about the problem is one of the standard solutions whenever a problem arises. Yes, you might feel awkward about it, but who cares? You both need to solve the problem immediately to avoid making it worse.
If you think that your roommate doesn’t have any plans to talk about the problem with you at all, then you might want to try initiating it first. You might not know, they are just shy to talk to your first. When you both communicate, you will understand what the problem is and why it is a problem. Of course, if you both understand each other, there will be a harmony between the both of you.
There are just times that we sense something that is so off when it comes to our roommate. Later did we know that they are an off-the-record tenant (e.g.,. an inhabitant who has not signed a lease of agreement). With this matter, communication might be useful, but make sure that you include the landlord when you talk about the issue. This matter already involves the landlord, since he/she is the one who will decide who gets in and goes out. Of course, you have the right to know how come they are living with you when he/she is not a legal tenant of the house. You are just concern with your safety.
When this happen, and you want to get rid of your roommate, you have to make sure that there will be a written statement declaring that the roommate arrangement has ended should suffice. If not, then at least, provide your roommate with a deadline for leaving, at least 15-3o days from the date of the notice. Just make sure that the roommate receives the document and understands what he/she is reading.
Settle the problem in court
When talks are already not useful, then seeing them in court might help. Usually, courts are the least one wants to do since it is already a hassle on the part of the complainant, and of course, for your roommate. But if there is a need to settle things once and for all, the court is what you need. You just want to hope that your roommate will take the hint and gracefully exit to avoid inconvenience on both parties.
Usually, the court staff will give you a date and time for an eviction hearing, and you must be prepared for the legal documents that you need to present to them. With that, the court will likely grant the petition, and your roommate will have no choice but to leave.
Clutter is anything that doesn’t belong in space – whether because it belongs elsewhere in your home, or it doesn’t belong in your home any longer. ~Chrissy Halton
Whether you realize it or not, we have this tendency to keep things in our possession no matter how long or old it is. We just want to have it for as long as we want, since it is our belongings. For some people, getting rid of their things might be a challenge since there is a sentimental value on it, or merely because they grew fond of it. Did you know that this stuff add clutter to your home?
Regardless of the property you’re in—may it be in a house and lot for sale in Laguna or a condo unit anywhere in the Philippines, decluttering is a must if you want to have a clean and healthy environment at home. If you’re one of those people who is having a hard time getting rid of his/her stuff, then these tips below will help you with that matter.
How to declutter your home
Don’t hang on the past
There are just things that remind us of our memories from the past – of what and who we are before. If that particular thing holds a bad memory, then you better get rid of it. This is not the time for you to hang on the past, you have to move on by getting rid of the things that reflect who you are before.
Getting rid of the things that remind of your past is not that hard as you think it is. You just have to make sure that you get rid of that particular thing together with those bad memories that you have with that thing. Well, you will eventually realize that getting rid of it is much better than keeping it in your home.
Don’t get too wrapped up in the future either
Sometimes, we are tempted to buy things for our home even if we don’t need it at all yet. Yes, this might be an inspiration for dreaming of a home where you can have that particular furniture, but if you think that that doesn’t suit your home just yet, then don’t buy it ahead of time. It will only add up to the things in your home.
Limit your emotional attachment to physical things, especially if they’re large things.
One of the main reasons why you can easily get rid of your stuff at home is that you have some emotional attachment to it. Even if those particular things don’t hold any value to you at all, you still want to keep things at home. And if you can’t easily get rid of it, then. As a result, more and more things are placed at home.
However, if you know how to control yourself by limiting your emotional attachment to each of your belongings, then getting rid of it would be much easier for you to do. Yes, there might be things that hold sentimental value for you. But to those things that are not that useful to you or for your home, then you better get rid of it now.
If you are a kind of person who just loves to keep souvenirs even if it’s not that useful to you, then you may want to take some alternatives without taking or bringing things at home. Well, you can take some photographs or pictures with the events that happened in your life. It doesn’t necessarily mean that you should store some things at home for you to keep those memories forever. You can store it on pictures.
When you do such, you don’t just keep your memories in life; you will also have much bigger space at home. Moreover, this is also one of the many ways you can organize your things in an easier way. Well, you don’t have to worry about too many furniture or things in your home. Just have some fun and take some pictures of your life experience.
Whether you realize it or not, there will always be a beauty in a big blank and clean wall. Agree? Of course, this is the time when you can actively and creatively imagine what things to put to fill in your big empty wall. For some, this is one of the common problems they faced especially when they don’t know anything about decorating at all. However, when you know what you are going to do with your wall, then a wall décor challenge is just a piece of cake.
It does not matter if you are living in a real estate Cebu, decorating your wall is one of the things you can do to make your wall look good. Well, if you don’t have any idea at all on what you’re supposed to do aside from the typical paintings we have on our wall, then below are some simple and doable examples you can apply.
Build a bookshelf
If you have a lot of things or books yet you don’t have enough space in your home, then you might want to have a bookshelf installed on your wall. Instead of having or putting decorations, make the bookshelf as part of the decorations you have on your wall. With that, you’re not just saving up more space but also, you just made a great and stylish way to have a bookshelf.
Installation of bookshelf may be hard on your part. Of course, you also have to make sure that the shelves are properly installed on the wall to have a good and durable base.
Aside from the pictures and paintings, you can also have statement art on your wall. Installing a striking piece of statement art can be eye-catching to the viewers. Moreover, isn’t it nice to wake up in the morning with a piece of interesting piece of art on your wall? Well, hanging one or two statement arts on your wall would be enough.
One of the struggles most homeowners have is that they don’t have anything to decorate at all. Perhaps, they are one of those homeowners who invest in a property with no furniture to fill the empty spaces yet. Well, you can go with wall coverings or wallpapers. Fret not! Wallpapers are easy to install on your walls. You just have to make sure that there will be no lumps on the surface.
There are a lot of styles when it comes to wallpapers. And it will always be up to you on what style of wallpaper you want to use.
The gallery wall
If you are a kind of person who likes to take pictures or paintings, then the gallery wall might suit your taste. You can have your wall combined with your photos and paintings with different sizes and color and framed or unframed artwork. You can also fill your wall with textiles and other wall decals. Of course, it is also important for you to consider mix matching your decals on the paintings of your wall. Make sure that the color and shapes, sizes can go along with your wall.
If you are not sure about the color combinations, then you can go neutral yet bold, sophisticated and creative in many ways.
Decorating your wall will always depend on what you want to do or have on your wall. Before you can decide on what kind of decorations you want for your wall, you also have to consider about whether your wall and the decorations are incorporated or not. If not, then you have to find ways on how you can mix and match your decals to your walls without compromising its quality.
When investing in a property, there will always be a struggle in choosing the balance between quality and affordability. In fact, this is one way most people are hesitant when it comes to finding the right property for them. Obviously, a home buyer should be careful in selecting the property that would match their lifestyle. Investing in the right property will give you an assurance you will have a pleasant and satisfying lifestyle.
But sad to say, not all home buyers can achieve what they want to have. Perhaps, they are not sure about buying that particular property. Or even buy a property without even thinking if it is worth it or not. As a result, they regret what their decisions later on. And I’m sure you definitely do not want to have any regrets, right? That is why you have to make sure that you know what and what not to do when it comes to investing a property.
It does not matter if you plan to purchase a property in the Philippines such as properties in Arca South Taguig, for as long as you can live a life that you wanted, then it is best for you to have. But there is a caveat, though, not all beautiful homes are quality enough for you to live in. Although the appearance of your home is also important, you should not forget about its quality if it’s durable enough to live within the next 15 or 20 years after the purchase.
Does it pass your physical inspection?
Before you purchase a property, there must be a final walk through on your soon-to-be-home. Of course, you need to have some physical inspection to know if there are any leaking ceiling, broken window, wall cracks, and other damages that need some repair. Moreover, you should not just inspect places that are visible, but also with some other places such as the corners of each room if there are any damages or cracks. If you want to live a permanent home, then make sure to have a thorough inspection of the said property.
Is the space offer in the home more than you require?
It is undeniable that we need to have a comfortable home. However, there are just times to areas such as a 50 square food unit can be cramped to one homebuyer but spacious to another homebuyer. That means the property will always depend on what kind of person a homebuyer. If the buyer has a big family, then they also need larger space for them to have a comfortable home. That is why you need to ask your broker if they can show you a fully-furnished unit to make sure there will be no regrets later on.
Does it pass your safety preferences?
Whether you realize it or not, we have a different perspective when it comes to our safety. If you have kids, then you need to have a more secured home. Perhaps, you need to think about putting up a fence or anything that would make your children safer while playing inside and outside your home. However, if you are single or living solo, then a secured lock and a CCTV will perhaps do. But of course, it will always be up to the home buyer on what they want to have for their protection. Moreover, as a homebuyer, you also have to make sure that your home is a flood-free, disaster-proof, and pedestrian-friendly. And don’t forget to ask your real estate broker about getting a home insurance.
Is it in a neighborhood that increases the quality of life?
Your community or neighborhood can be a significant factor in living a quality life. Before you decide to purchase a property, you should also make sure that you have a safe neighborhood. With that, you will not have to worry about neighbors who are nosy and rude enough to you. Of course, you definitely do not want to live your life when you know it is not healthy for you to live in such place.
Does a reputable developer build it?
This is one of the things you must consider before you decide to purchase a property. Of course, you need to have an assurance that you will not regret your decision in buying that particular property. Moreover, know their background experiences at work if they are good enough when it comes to their field of work. And if you think that that particular developer is not that known or good enough, then you better find another one. This is for you to ensure you are, and your investments are in good hands.
Considering the fact that we are living in a millennial age where various kinds of pollution are present, living in an Eco-friendly home is the least we can do. Obviously, we do not want to put our lives at risks. Right? That means we have to be careful and keen enough when it comes to our lifestyle. Although a lot of us here are living a simple life in Amaia Homes or any other real estate properties in the Philippines, there is no reason for you not to live in an Eco-friendly home.
But sad to say, not all of us here are able to grasp and understand the importance of an eco-friendly home. Perhaps, they do not know what and what not to do when it comes to living in such lifestyle. And if you are one of those people who do not have any idea, then you might want to consider these ideas below for you to have and live a healthy lifestyle. Here’s how:
1. Make sure your air conditioning and heating units are energy star models
It is undeniable that we use AC and heating units at home. But as a homeowner, you have to know that these appliances can eat up a lot of energy at home. That means, the more you use these things, the more you are contributing to the pollution. And if you care enough to have an eco-friendly home, then you have to make sure that your air conditioning and heating units are energy star models. With that, it will minimize the risk of adding a substance that causes the pollution.
2. Always keep windows and doors tightly shut when running the AC or heater
When it comes to saving energy at home, it is a must for you to shut the door tightly to prevent the air from going out. This is also one way to make the room cooler or warmer faster. Of course, if you also want to save some of your electricity bills, then make sure that you are not wasting the energy at home.
3. Use ceiling fans to cools a room instead of turning on the AC
This is one of the common things most homeowners should do. Instead of turning on the AC which can eat up a lot of energy at home, why don’t you just use the ceiling fan for it? With that, it doesn’t just give you the cooling air that you need, you are also saving a lot of energy and money out from it. Who would not want that, right?
4. Turning your AC or heater off entirely every time you leave your home
It is understandable why you want to turn on your AC even if you leave for a minute in your home since the weather might be too hot for you to handle. However, do you know that it is not advisable for you to leave your AC on while you are away? For obvious reasons, this might be the cause of a fire accident due to overheating, and this can definitely add to your expensive electricity bills. And I’m sure you definitely do not want to pay such bill, right? That is why you have to take precautions when it comes to using your appliances.
5. Turn off kitchen or bath exhaust fans as soon as possible
If you want to use your AC, then you have to make sure that you turn off the kitchen and bath exhaust fans as soon as possible. Of course, you do not want to waste your energy by letting cool air pass through the vents, right? That is why you have to make sure that you do not forget about turning them off.
“Of all place, why to choose to move in Quezon City?” Perhaps, some of you here might be wondering and asking about such matter. Right? You can be one of them too! Well generally, Quezon City was once the seat of power of Metro Manila. Nowadays, vestiges of the city’s old grandeur are still there. That means, there are still a lot of different establishments for the people to use and enjoy.
If you are planning to invest a property, there are actually a lot of affordable condo for sale in Quezon City available for you. It basically doesn’t matter what condo unit you want to purchase, for as long as you are satisfied with the property, then you will definitely achieve what you want in life. However, if you are one of those people who just don’t have any idea why to choose Quezon City as their new home. Here’s why:
1. MRT-7 is now in the works
For most commuters, this is one of the things they tend to look forward. Of course, it is definitely hard for them to go to their work when there is no enough transportation for them to use. Well, fret no! San Miguel Corporation (SMC) recently broke ground for the Metro Rail Transit Line 7. This will connect to MRT-3 which runs from North Avenue Station until Taft station in Pasay City. MRT-7 will serve 28,000 per house, per direction during peak hours. It also aims to cut down the travel time for most commuters who take the congested Commonwealth Avenue.
2. It is eyed to be the next gaming and leisure hub
If you are a kind of person who usually go for gaming and leisure hub, then investing in a property in Quezon City might be on your taste. In there, you will definitely have fun and enjoy the game you are playing. Quezon City is planning to have a mixed-use development that will be similar to Solaire resort and Casino in Paranaque, Bloomberry’s first venture into the gaming industry. Moreover, when boredom strikes, you need not worry since there are actually a lot and different games for you to try and enjoy.
3. More residential projects are coming in
This is one of the common reasons why people tend to choose to live or invest a property in Quezon City. Because of the vast variety of properties that are developed in that particular place, you will also get the chance to choose what kind of property you want to invest. Of course, you can definitely have the property of your choice. Moreover, real estate developers have foreseen Quezon City’s resurgence. That means, there will be more residential projects are on the horizon which will provide homeowners a wide range of real estate options.
4. Tech and BPO firms are looking alternative locations
It is undeniable that more and more business establishments that are already developed for people to have their jobs. And one factor that most people consider is the location of their work. That is why Quezon City is becoming a sought-after location for technology and business process outsourcing companies. That means, there will be more and more people who can have the chance to have their job in their desired location. Moreover, this is also one way that people would not have to worry about going to their work since residences in Quezon City are just near their working place.
Generally, there are actually a lot of advantages when you invest in a property in Quezon City. Of course, for as long as you know what and what not to do when it comes to real estate investments, then you will definitely achieve and have the property or condo unit that you wanted.