Monday, January 5, 2015

My 2014 Goal Result

First of all Happy New Year! 

I haven't written in this blog for a long time and I owe myself to have a look back on my 2014 results, this is my main reason why I started this blog, to have an accountability to myself on achieving the goals I set for myself. These are simple goals nothing fancy. I will be honest with myself here on evaluating myself

Wednesday, December 3, 2014

Thanksgiving 2014

This is a late happy Thanksgiving post err like one week late.

I started my day with a 3 mile run.

my legs felt so heavy... so slow

Wednesday, November 5, 2014

Life Choices

I was  contemplating to buy a new car for a long time, a new motorcycle perhaps. I wrote about it in my previous post. There are days that I will take a walk on my 10 minute break at work and this is what I  always run into:

Fancy cars at the neighborhood Audi dealership!

Wednesday, October 8, 2014

Frugalitip: Start Biking!

One day while driving, I saw a lady biking, on her scrubs, biking towards the hospital where my wife works. I just dropped off my wife and we were heading the opposite direction as I was heading back home and she was heading towards work. That was a year ago and that's how I started biking to work. If she can do it, I can do it too! I borrowed my brother's Cannondale road bike for a month just to see if it was doable. My butt was sore for a week! 

My own $650 Cannondale courtesy of Craigslist!

Sunday, September 28, 2014

Changing My Habit Saves Me Money Better Than Geico Insurance

Switching to Geico Insurance saves you 15% on your car insurance, But wait, there's more! Changing your day to day habbit can be more beneficial than switching to Geico insurance. Before the start of 2014 I created my personal goals, and one of those goals goes like this:
  • Increase my savinsg rate. 2013 has been a really good year for me. I learned so much  about  techniques on how to increase my savings. I have a lot more of room for improvement, a lot more room to learn. I'll try to increase my savings rate by minimizing my expenses. 

It says right there at the very end, minimizing my expenses.

Monday, September 22, 2014

Frugalitip: Bring Your Own Baon!

My breakfast baon, PBJ and free office coffee. Skip the Starbucks to maximize savings!

The typical conversation at work when the clock hits 11AM goes something like this:

"Whats for lunch?" or "hey Chris, we are buying at Panda Express or In n' Out or Chipotle, do you want something?"

Of course my response will be like: 

"No thanks, I brought my own baon" (pronounced as bah-on in Tagalog, baon is the food that you bring for school or work)

Sometimes my co-workers won't ask me anymore because they already know me.

Now lets analyze mathematically how much does lunch cost us if we work the typical five days a week.

Saturday, September 20, 2014

Iphone 6 Half Price Update

So I pre-ordered the iPhone 6 Plus last week hoping to make some money off of it on Craigslist and this is my update as promised.

First I asked myself, why do I need a new iPhone? For making phone calls, browsing, texting, pictures, video recorder, emails, etc. Dang! I need to slap myself! My current phone can do all of those! Good thing my brain is still functioning. 

Second thing I asked myself was "is it a good value since all the options above are all upgraded such as landscape texting, wifi calls, video recording with 1080p, time elapse and slow mo at 24 fps! Faster everything! Thats a great value right?" Another well deserved slap in the face! No Ogie! I don't need none of that shit, I have a perfectly working iPhone that meets my current needs!

Third thing I asked myself was "but we all planned the cost of it. It'll cost us half the price since we are going to sell it at craigslist with inflated price." I need to punch myself in the face this time! No! If you don't need it, do NOT buy it! Simple as that. We want to save money right? We want to have financial freedom  right? We want to set as a good example for the people and especially for our kids right? Then don't buy it! The best way to save money is to avoid buying stuff we don't need. Being materialist (like cars) becomes a wall, a hindrance to our path to reach our goals. We need to be a minimalist, to continue taking the road we had started and to finish it strong. So after multiple virtual bruise from the slap and punch in the face I had woken up and I will cancel my $150 AT&T service and switch with a cheaper plan or even to a prepaid service. 

How about you, did you upgrade to the new iPhone or Samsung smartphones or never planning to upgrade ever? If you don't have a plan of upgrading your phone, you are multiple steps ahead of me! I will see you at the finish line of our financial independence journey! :)