Honey's Future Birthday Present

We are getting a Samsung 40 inches class LED 120Hz Smart HDTv!!! This is his 29th year so he deserves to get an expensive toy, not quite as expensive as my DSLR but still, it is something fancy! We are excited to stream Netflix unlimited!!! Another 15 days... I will keep you posted!

Honey on Maxi Dresses

While picking up our Mother's Day cake at Goldilocks this morning, honey noticed three ladies wearing maxi dresses. He asked me wondering, and said, Baby, are these dresses supposed to make you feel comfortable on this weather?! It was hot this morning, hot not warm, and the guy was really having a dilemma looking at those ladies strutting their long gowns!

Well, what could I say? I guess this guy is lucky that I don't like dressing up that much, or I could be wearing those dresses too!

The Savings Project

Our savings plan is working. Our tiny fortune has been left untouched and it is growing little by little every payday. As I was working on Mint minutes ago, I noticed that our net worth is already positive, that is to say, that we have more cash saved up compared to our regular expenses. We have not been struggling financially really, but we only have been negligent on what we spent on. Little pleasures like movies, eating out, and buying stuff like clothes, shoes, makeup and whatever clutter that would go unused most of the time anyway had to to go away.

Honey will be turning 29 next month, and me 4 months later, and the more that we have been thinking about improving our net worth. We have about $25,000 in loans as of the moment, most were from Honey's student loan which was $22,000, and the rest for his pickup truck. Like I told you, I am the most lucky wife to have a husband who is financially smart, he was able to take advantage of a Citibank credit card with 0% interest for six months and paid off the loan with the most interest. Unfortunately, aside from the awesome taxes and bills here in America, there is also this staggering rates of interests from left to the right that we have to deal with.

As of the moment, we are 51% away from joint savings goal for the year, thanks to the tax refund from the federal government. Our joint savings will serve as our emergency fund. Since we are building our personal savings at the same time, I thought about putting what's saved up by year end to the joint savings to add more to it and then we could start building our personal savings again. On the other hand, we are at 1% in our mortgage savings goal which is by the way so unimpressive, but that is because we set to save about $60,000 for down-payment of a future condo or a house if we could afford it in two to three years. This savings project is really becoming exciting to me.

We have another monthly add-on expense starting this month for our life insurance. Me and Honey bought a term life insurance for $30 monthly in order to protect each other if in case something unpredictable happens in the future. We are also looking at a retirement plan that would work for both of us, hopefully one that is non-taxable, if only it is possible!

The Much Awaited Avengers

We planned to be here in the morning to avoid the rush but unfortunately did not make it until 12:30, thus, we waited in line for two freaking hours! The guys that work here at the mall theatres must really hate this job in times like this...

Honey has been waiting for this movie, and me too I guess, so this will all be worth it at the end. This is our first of two movies for the month too.

As Long As I Have You...

Kilig moment!

Honey and I were talking about something silly earlier... Told him to work hard so he could buy me a Prada from his own pocket, it was half-meant but... Haha! He said --> "... that would be too materialistic, I don't care... As long as I have you, my football and my surfing I am good! I can live with that! <-- Okay??? It's alright, I'll just wait until we won the lottery before I'll ask for a Prada again...

Hearing that somewhat far out statement as a valid excuse for not buying me a Prada is priceless!

On Cash Management

With all the bills, taxes, utilities, and a savings account to build up, effective cash management is really a must. Honey signed us up at mint.com so could have a visual map on our budget and our cash flow. We actually started last month but the results were not appealing, we figured we should wait until this month when we would already have dis-positioned our budget and expenses altogether. Good news is, April is almost over and we are still within our budget and that is really a job well done. Before mint, we would just go watch a movie every weekend that would cost us about $100 a month, buy fastfood if we feel it and end up spending $150 or so. Little things that are actually very affordable usually get us into spending more, and so we figured it was time we set a budget for certain spending categories because little expenses just add up. What's good with mint is you would know instantly where you are at with your budget and how you are doing wit it because it gives you a graphical data, and you would really want to see color green to yellow on that graph and avoid becoming red, and we really feel excited about it.

With a mortgage savings, an emergency savings fund, and our personal savings to build up, Mint isn't a bad idea at all. Not to mention student loans, car loans, and small credit card bills. Ohhhhh America!

Chiffon Cake

Baking this chiffon cake is getting into my routine. This is one of his orders that I have to comply in order to make his morning coffee complete.

I think I am becoming a pro at this. I need to buy more cake moulds to save time and energy!

The Mechanic

Yesterday we went to buy Honey his tools in compliance with the requirement of his new job. He's got it all set in one average-sized toolbox and now I can say that he looks legit for the job.

This picture was a caught-in-the-act thing while he was testing his head lamp. He also did a dress rehearsal last night trying to see if he looks good on his uniforms. He didn't like the pants they provided him because it was too baggy, so he bought himself new working pants. He is missing a safety shoes though, but he said his day-to-day shoes would do already.

I will post a whole body photo of him in his complete uniform soon...

Cosmopolitan Magazine

That's Fergie, to fast forward your mind from thinking...

I found this mag on the study table when I got home today. I love cosmo, I never missed an issue when I was younger, but I got nothing to do with this one on the table, and it could only be my husband.

I thought it was a new issue, so I texted him why we have this... He said its from the bathroom :) Okay... He folded a page for my reading that's why its here right in front of me now.

Got to enhance the reading skills back. Haha!

His Dream Photo

He didn't look too happy, did he? Let's make your dream come true honey by taking this first step, one, two, three... Strike a pose!!! Haha! My husband is just head over heels with Chloe Grace Moretz eversince she was only Hit-Girl in Kick Ass.... Ohhhhhh....