Save It For The Rainy Days

COVID-19 has taken a toll on not just our physical and mental health, but also our economy which ends up putting resources right into the lap of risk. In the age of modernity and progress that we live in, when technology and new opportunities are at an all-time high, there are always certain patterns that come into play—centurial patterns of the 20's being a time of pandemic plight, for one thing. Or investment patterns for another thing, wherein plans to make a living for the future come into mind, and for this reason we need to save ourselves time and resources.

With cinemas and shops closing their doors to the public while in the heat of the pandemic, alternatives come and go, or perhaps stick around and change the course of the human economy. The not all serious life-or-death talk which involved even in mundane routines, leisurely activities, and sentimental spots, all took a backseat. What used to be fond memories of a freshly bought set of movie tickets is now an online app subscription, what used to be Chinese takeout comfortably sitting at the back of the car now waits upon the kitchen counter freshly harvested from the backyard garden. Money trickles down through interestingly dynamic patterns, and the pandemic sure has shifted it considerably all for safety and convenience’s sake.

 

My late dad was totally right when he told me more than two decades ago that I should set aside some of my earnings and "save it for the rainy days", and I am glad I listened. Now, as a mother-of-two who always budgets my time, money, and efforts for safety and convenience, budgeting is useful in vast aspects most especially in the realm of monetary management though it can often be time-consuming especially with a stacked schedule. Whether at work, study, or even drafting out plans right in the comfort of my own home, the countdown of how much my family spends on and saves for necessities is always prevalent, sometimes veering off to the point where one may underestimate or overestimate the approximate amount. It’s because of these everyday dilemmas that some useful websites provide the pleasure of doing that job for me so as to cope with the brain overload during these trying times. One such site, SavingsCalculator.org, lives up to its name and serves as a good example because of its flexible features and its guides in calculating things like compound interest, along with a handy dandy guide to things like current interest rates. And since I live in a place where the market conditions have drastically changed—though it may also apply to the rest of the world—I might as well take a leaf out of their book and make use of the information readily available there.

New Year 2023

 

Welcoming the New Year wearing our color of the year clothes - Viva Magenta (or at least close to the color 😊).

Our celebration for 2023 was just like the same as 2022. We usually celebrate the New Year at my mom's house, with my brothers and sisters-in-law, then went home during or after midnight but this year.

I hope you all had a great time welcoming 2023 unlike the past 2 years where we had limited family gatherings due to pandemic. Glad that we are slowly returning back to the way it used to be but of course, let us still be cautious and take care of our health.

Check out What’s in Moira’s Shopping List this Christmas!

Gift your loved ones with these items you can get at 0% interest through Home Credit

Finding the perfect holiday gifts for loved ones can be challenging for some people. Well, gift giving doesn’t come with no pressure since we only want to give our loves ones what’s best for them.

If you’re still looking for the ideal presents or rather need some inspiration, Filipina singer-songwriter Moira dela Torre shares her holiday gift ideas that are perfect for all ages and for every special person in your life!

Making it a merrier Christmas season, Home Credit recently launched The Great 0% Interest Festival, so every shopper can check out items from almost 10,000 partner stores nationwide. Customers can choose from more than 50,000 products available through Home Credit that they get at 0% interest until January 31, 2023.

Are you ready? Check out what’s in Moira’s shopping list this holiday season!

Gifts for learning and entertainment

Now is the time to reward hard-working children and inaanaks the gadgets they deserve. Gifting them the latest devices can help them not only study hard, but also enjoy little play time in between to maintain that school-life balance. Not to mention, in the new normal way of learning, smartphones, laptops and tablets, and accessories such as noise-canceling headphones have proven to optimize students’ educational experience, whether for physical classes and especially in hybrid learning.

New NBA season just began last month and this means you may find your dads and brothers with their eyes glued on screens. Investing in a high-quality smart TV at home can be an amazing present for sports fans in the household, as the whole family spends their time at home in the spirit of togetherness during the holidays. To top this off, gifting ate or bunso superb-quality Bluetooth speakers lets everyone party or just chill, anytime and anywhere.

Top tech brands to name a few – OPPO, realme, vivo, Samsung, Xiaomi, Acer, Apple, Huawei, and Asus all offer these gadgets that make the perfect study and play buddy. Not to worry, these brands and other Home Credit’s partner stores nationwide are part of the 0% interest festival for the best deal that you can get this season.

Presents for convenience and healthy living

Inverter technology has been quite an innovation that parents fancy for household appliances. Choosing inverter items over traditional appliances helps one save on energy and cost at home. This season of giving, gifting parents the latest appliances that would guarantee convenient living at home will surely have them enjoying the holidays and beyond.

Inverter refrigerator and air-conditioner are top choices for you to consider! As moms love spending time in the kitchen and making snacks for their families, with a cool and cost-efficient refrigerator in place they can keep their grocery foods in a safe storage to ensure the quality of each item.

While you’re at it, why not get an inverter air conditioner for the family so they can enjoy the cool room temperature during family reunions? An air conditioner will definitely be appreciated in a tropical weather country like the Philippines plus it is also environment-friendly and has lower power consumption.

Another important household appliance is owning a good quality washing machine. Give your titas a washing machine to help them save time by just simply putting their clothes on it, turning on the power and choosing their preferred cycle. It is more ideal than doing their laundry manually, a good way to show how you value their convenience.

Home workouts saw an increase in demand during the pandemic. Surprise your fitness enthusiast sibling or significant other by gifting them a punching bag, dumbbells, yoga mat or go big and fulfill their home gym dream by gifting them with an indoor cycling bike or treadmill as a present this Christmas. Having these fitness equipment at home can let them maximize their workouts at home, to keep them fit and healthy.

Get these home appliances and fitness equipment from Home Credit’s retail partners such as SM Appliances, Robinsons Appliances, Abenson, FC Home, Home Along, AllHome, Emcor, and Automatic Centre.

Curated holiday presents for a more personal touch

Looking for a more creative option for holiday gifting? Try creating your very own holiday gift package! For your coworkers who just had a baby, put in some nice items for infants, toys and clothing in a ribbon-tied box for the complete Christmasy feel. And for the BFFs, you can collect some new shades of lipstick, tag along some trendy accessories and perfume in a cute tote bag or basket for a well-thought out present.

Through Home Credit’s Shopping Basket, customers can visit its partner stores and shop for these varieties of goodies that they can curate in bundles for Php 3,000 minimum worth of items. Shoppers can get them through a monthly installment plan now with 0% interest.

The spirit of Christmas is livelier now more than ever. Home Credit wishes to celebrate this with you, offering 0% interest for the best gift items of your choice that can make the whole family feel loved and cherished. 

Hurry! Click here to download the My Home Credit app and get the best deals and promos this holiday season. Find out more about the latest updates from Home Credit Philippines, visit its official website www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts.

CDO Bloggers Coachella Christmas Party and Election of Officers

CDO Bloggers just had its Christmas party last December 10, 2022 and it was an awesome event! Everyone who attended the party was able to bring a lot of giveaways, door prizes and raffle prizes. I was pretty sure nobody left empty-handed. But the most beautiful thing happened was when so many generous people/companies offered their kindness to our organization. The picturesque venue, The Cistern, was sponsored by Xavier Sports and Country Club. Our cocktail food was sponsored by A Brown Company, Inc. and Smart Communications of CDO sponsored the graze appetizer from Chino's Deli. Seda Hotel sponsored an overnight stay in their plush hotel for the lucky winner in our raffle prizes, they also offered pool pass and lechon humba belly; others sponsored the lechon, tokens, accommodation to Sevensea adventure, GrabFood and many, many more. It was indeed a fun and a memorable event.

The party ended with the members electing a new set of officers for the year 2023. I, however, was re-elected to the same position I hold last year, lol. Anyways, sharing some pics of the event and I guess some of the faces here are very familiar to you, hehe. Have fun reading or looking ;)

Newly-elected officers for year 2023

 

Old members who became Friends na

Very happy and grateful members :D

Merry Christmas, Everyone!!🎄🎅

Keeping Everything in Shape

The time has come again when people are busy preparing or hosting Christmas parties, or perhaps haggling over the best fashion trends to fit right into the yuletide joy. I bet a lot of you wanted to look good and perfectly fit for the occasion yet, others might feel a bit of pressure on what to wear thanks to changing trends on the media and fashion boards one can only glue their eyes in envy at, especially if the attributes you wish to improve on have not changed at all! But what if there is a solution for that, such as say, a tummy control shapewear that could help keep everything in place? It is indeed quite a relief when you know that can find items online that would help fix your dilemma.

 

 

With Shapellx’s extraordinarily diverse line of shapewear, you could find a perfectly comfy fit for the entire spectrum of body shapes and sizes, for any event and for any circumstance befitting it (pun intended!). Whether or not you are lounging in your home to Netflix and chill, or going out to a party to surprise old friends after months of being apart; or perhaps whether you are simply on a grocery run or even a hiking trip to show off on your feed, the sky is the limit when it comes to what would define the best shapewear for the day.

 

However, shapewear in all its form-fitting majesty cannot be truly called shapewear without its function, hence its self-explanatory name. Not only does it smoothly emphasize body shapes, but it also has health benefits such as that of tummy control bodysuits, which aid in keeping both an upright posture and poise. It also gives you the confidence to walk into a room with your head held up high, knowing that you chose the outfit that highlights your best assets and at the same time hides the parts that you wish to disappear, oftentimes improving on them. After all, the highest priorities are your comfort and satisfaction with what you choose to wear and share to the world. 

 

Experience The Best Feelings In The World at Seda Centrio

Seda Centrio makes holiday extra special with their Holiday Packages 2022. Check these out and experience #TheBestFeelingsInTheWorld:

Festive offers to make your Christmas and New Year more special to celebrate:

 

CDOBloggers Fantastic Fourteen Anniversary

CDOBloggers celebrated its 14th anniversary last November 12, 2022 at Sky Garden, SM CDO Downtown Premier. It was indeed a #FantasticFourteen event attended by less than 30 members. I am glad to be a part of this organization for over a decade who supports its members and spread awareness to others. Thank you to all the sponsors who supported us throughout these years and to SM, for allowing us to use their beautiful garden to celebrate our simple soiree.

 

Nissan showcases the All-New Livina at the Nissan Intelligent Mobility Tour 3.0 in Cagayan De Oro

After a successful kick-off in Cebu and second leg in Bacolod, Nissan Philippines is bringing the Nissan Intelligent Mobility Tour to Cagayan De Oro. The event will frontload the innovation of Nissan Intelligent Mobility technologies and highlight the all-new Nissan Livina. The all-new Nissan Livina is a reliable vehicle for family-oriented households and first-time car buyers looking for everyday excitement and convenience.

Those who will attend can test drive the all-new Livina to experience its features first-hand. Through this nationwide tour, Nissan Philippines aims to offer its customers a glimpse of the Nissan driving experience, while highlighting the brand’s innovative technologies.

 

Apart from the all-new Livina, customers may also test drive other Nissan Vehicles like the All-New Nissan Kicks e-POWER, the Nissan Navara, the Nissan Terra, and the Nissan Almera. Customers can also learn more about the Nissan Intelligent Mobility features and the recently introduced e-POWER technology through interactive and immersive augmented reality displays.

 

"Nissan Philippines aims to give customers the best experience, and our vehicles have always pushed the boundaries with excitement in every drive. Through the Nissan Intelligent Mobility Tour, we’re able to provide customers a new way to experience our products," says Juan Manuel Hoyos, Nissan Philippines President.

 

Cagayanos can also get exciting offers only available during the event. Customers who will be visiting the booth can avail the all-new Nissan Livina with a Php 5,000 discount when they test drive the vehicle and an additional discount ranging from Php 10,000 to 100,000 when they make a reservation at the event. They may also avail an additional subsidy of up to Php 30,000 through Nissan Finance.

 

This offer is only available through cash, financing through banks, or Nissan Finance. The Nissan Intelligent Mobility Tour will be held in LimKetKai Mall, Cagayan De Oro from November 18 to 20 and will move to SM Lanang, Davao from November 25 to 27. 

 

Interested customers may visit Nissan Philippines' official Facebook page for more details.

Have The Merriest Holiday with Home Credit’s The Great 0% Interest Festival

Grab your most desired items at 0% interest rates through Home Credit from almost 10,000 stores nationwide! 

The most awaited season for Filipinos is fast approaching — signaling the most beautiful time of the year for giving and sharing. Get ready to fill your hearts with your most wishlisted items for yourself and your loved ones and embark on the most exciting shopping season of the year!

Want something for your monitos and monitas? Or have you been wanting to reward yourself for a year of hard work? Better not pout, better not let your wallets cry because a huge blowout is coming to town!

As a holiday treat for Filipino customers, Home Credit Philippines (HCPH), the lifestyle partner of every Filipino, launches The Great 0% Interest Festival with over 50,000 products offered at 0% interest rates at almost 10,000 partner stores nationwide.

“Giving has always been a part of every Filipino's holiday tradition. What other way to start the season than to share the fruits of our labor with our loved ones and make their holidays extra special. To make this possible, Home Credit gives back to its customers by making holiday gifting more accessible and affordable this year by offering items at 0% interest rates to fit every Filipino’s holiday budget,” shares HCPH’s Chief Marketing Officer, Sheila Paul.

This is indeed a perfect time for Filipino shoppers to make their desired purchases without the need to hurt their wallets. From your desired phone upgrades, quality appliances, and new furniture to awesome tech and digital finds — Home Credit has everything that you need for your holiday gifting!

The biggest 0% interest rate promo nationwide

Home Credit’s The Great 0% Interest Festival is the biggest and longest-running 0% interest promo of any BNPL brand nationwide running since April 2022.

Filipino customers can enjoy their holiday shopping experience with Home Credit’s wide selection of over 50,000 products – from home appliances and furniture, bicycles and motorcycle accessories to electronics and hardware, sports equipment and apparel, and many more – offered at 0% interest rates at almost 10,000 partner stores across the country.

Fulfill your holiday wishes with Home Credit

Tick off all items on your wishlist because you can now avail of your desired purchases through Home Credit and its partner brands and retail stores nationwide at a 0% interest rate. 

You can now get your dream gadgets, camera phones, and digital devices at the nearest partner brand stores — OPPO, realme, vivo, Samsung, Xiaomi, Acer, Apple, Huawei, Asus and Lenovo.

If you are looking for some new furniture or appliances to give away as presents, or tools and home essentials for your loved ones, you can now get them at Home Credit’s retail partners: SM appliances, Robinsons Appliances, Abenson, FC Home, Home Along, AllHome, Emcor, Automatic Centre.

Wait there’s more!

As an added treat, the brand wants to hype up your Home Credit holiday experience by launching an exciting campaign video that is set to launch on November 17 on Home Credit’s official Facebook and YouTube accounts, headlined by Home Credit’s brand ambassador – Moira dela Torre.

What are you waiting for? Shop now via the My Home Credit app and visit its partner brands and retail stores near you. Shoppers can now experience The Great 0% Interest Festival and make the most affordable purchases until January 31!

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and by the Bangko Sentral ng Pilipinas (BSP). To learn more about the latest updates from Home Credit Philippines, visit its official website www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are encouraged to download the My Home Credit app on Google Play to know more about the latest promos and see what is new in the Marketplace.

My Daughter's Capping Ceremony

Attended my daughter's capping and pinning ceremony today. It took me back in year 2004 when I had my own capping ceremony. Nursing actually was my second course, and I had already my daughter at that time, I guess she was only a year old. This time, it's her turn to wear a cap, light the candle and said the Florence Nightingale pledge.

To be honest, I did not encourage her to follow my path and take up nursing. One of the reasons was COVID-19, and another reason was, she might end up like me of not having practice my profession. However, I have to think that her path is different from mine. I was already a mom when I took up nursing then I gave birth to my second child after I passed the board exam. Then the reality of my youngest child diagnosed with asd was devastating that helping her was my goal and put my professional ambition aside. Anyways, enough of that.

Today, I celebrate my eldest daughter's milestone. I wish for success in her studies and pass all exams. May she be strong enough to face every obstacle that may come along the way and may she be able to successfully achieve all her dreams in life.