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Three years ago today, I shared the YouTube video above in my Facebook account. It was a time I was getting better at saving but unfortunately a family emergency happened which depleted my savings. Saklap d b? Ipon ka ng ipon wala rin naman nangyari. Nag-try ako mag-time deposit dati pero maliit n amt halos wala ring kinita, nakatali lang pera sa bank. So shempre when the emergency came it eventually got zeroed out because I didn’t know any better.

During my 20s, I did not know how to gamble (nor did I want to, and I still don’t!), I did a few business risks and I certainly hated MLMs/networking because of how bad they are, duping people into their pyramid-like scheme just to earn thousands or supposed millions. No offense but back then, these networkers fool a lot of people into attending the recruitment seminar, then “convincing” them to spend more money instead of saving it to make more money. It still happens nowadays (remember online paluwagan?) so you can’t blame me for hating on bad networkers.

Anyway, in the video, Chinkee Tan says: “If you don’t save for your future, chances are you will not pay now, you will pay later.

…If you keep spending money you will be in debt.” And that’s true. Having no savings will always keep you in debt. Also, pag lagi mong iniisip na wala kang pera tingin mo magkakapera ka? So what do we do about this problem then? Chinkee advises we have to change our money mindset, reverse it by changing the way we think. And we change it by deciding to change our bad habits.

He adds, “You can save if you choose to save.” In short, gaya nga ng sabi nila: Pag gusto may paraan, pag ayaw maraming pwedeng dahilan.

Of course I am not perfect too. I also need to break and change a lot of bad habits. Habits formed while growing up no longer serve me now that I’m a grown up and it seems like it’s making my life harder than it should.

It takes a lot of effort to be a better person when you know that you have a lot of detrimental habits you need to get rid of. Some habits are not even ours to begin with. We all have habits we got from our mom/dad, siblings, cousins, friends etc. It’s up to us to consciously keep doing the good ones and replace the bad ones with the good ones once we realize it’s not helping improve our lives at all.

If we don’t make money we won’t be able to save. In the first place, why do we work? To make money. When we make money where does it go? Do we spend everything? What do we do with our money? “Where did my money go???”

How do we make money without a job? We either still find someone to hire us or we create our own jobs. If we make our own money or if we have a job will we be able to save? Yes we should be able to. But what usually happens if we earn a lot of money and we don’t know how to save? We’d still always be in debt, we’d still be working until we’re old and can’t work anymore. Worst case scenario: we’d still be working until we die if we’re without any savings in our old age and then our surviving family members will need to pay for our hospital bills and burial costs.

Imagine how much the above bills  would be 30, 40, 50+ years from now? P500,000 to P1 million or more? Where will they get that kind of money? Or how will they survive if they are just like you who does not save any money? Would anybody want that scenario in their future?

Heck, now do you see the value of having insurance as a way to save, invest and earn yet? Why not let your money work for you too?

If you have the right and tailor-fit insurance plan, your family will be assured money to spend even if you or any family member with insurance dies. Your deaths will never be a burden to the people you leave behind. If you get disabled and can’t work at all in the future, you will also not be a burden to your family if you have chosen the right insurance. If you get really sick (like have cancer) it will not be too hard for you financially as well. No one knows when we will die or get into an accident right?

While alive, if you have an insurance plan, with mostly investments like stocks, mutual fund, real estate etc, it will let you save AND earn money securely by just putting enough money into the specified plan you signed up for either monthly, quarterly, semi-annually, yearly or in one lump sum amount. With this, you will definitely be able to save for your future expenses like when you retire and not worry about working after retirement. Even before retirement you can earn enough money to maybe buy a car or a condo depending on the money you invest and save over the years.

Am I painting a pretty picture now? Do you want to know how to start saving and investing? Well you can always Google it, but we all know self-studying takes a lot of time and discipline, some of which we don’t always have. What else can you do then? Contact an expert or someone with the knowledge and means to help you be financially secure in the future. Look for an accredited financial advisor like me. I am now working with Manulife, an established and stable insurance company that’s been around for more than 100 years. I’ve certainly learned a lot from the trainings and have taken the licensing exams and am still continuously learning everyday.

As a financial advisor, it is our job to assess your finances and help you save, manage and grow your money. You won’t need to do it all on your own because we also have fund managers who will assist you. So if you’re curious and want to finally have a financially better and secure future for yourself and your family then simply contact me today. Let’s meet and talk about it.

0932 1800 937 / 0917 768 8444
Lucia C. of Manulife
A Financial Advisor

Today, let’s stop self sabotage. Let’s change for the better and learn how to save/invest money in order to survive and have a happy life in our old age. What’s keeping us from having a financially secure future? It’s no one but ourselves. We think we can just save and use money forever but inflation and unexpected emergencies will always catch up to us.

Now is the perfect time to start saving and investing for our future. I can finally help people who also want to change their finances and save for themselves and their loved ones.

Let me know where and when you want to meet and talk about it. I’ll be happy to help you out. We can meet within Metro Manila, preferably Quezon City or Ortigas. If your group or family is outside of Metro Manila, we can arrange several meetings in your area on certain days. A one on one with you and/or your family members or relatives would be the best way to start securing your future finances.

Send me a text or call me today: 0932 1800 937 (Sun, Viber)
Globe: 0917 768 8444

Lucia C. of Manulife
A Financial Advisor

If you know or feel you need financial advise, let’s talk about it. I’m just a phone call (or text message) away. 🙂


When you’re sick, you have to give yourself time to rest. You don’t get sick because you’re perfectly fine and healthy and at your best to do all the office work that needs to be done. There will always be sick days. But if your sick days are spent at the office and spreading the virus/sickness around well there’s something wrong with this picture.

I’ve been in the BPO industry for 6 years and worked at different companies but it’s always the same. Anyone from the management, particularly your immediate supervisor, will always ask you to come to work, or take a half day, even if you are genuinely sick.They will compare you to other people or themselves who are sick with fever, flu, diarrhea etc., but are still at work (because they took medication) and make you feel guilty for resting when you need it.

As a seasoned agent, on many occasions during the above period, when I got sick with – flu, fever, coughs and colds, hoarseness, you name it – I still went to work. Not because I’m a workaholic or didn’t give a crap about my and anyone else’s health but because you as an agent are expected to be there even if you’re sick. Of course it is always your choice to come in sick though. You can choose to stay at home and rest all day (or several days) then get a medical certificate once you’re back but see, generally, you’ll still look like a liar and a slacker to the management and other colleagues when you do that.

Such is the life of a call center agent. And people wonder why an outbreak of flu or cough and colds etc., happens all the time in any call center, with more people calling in sick and thus increasing the absenteeism rate further. I can add some more examples but hey I won’t bother now. I’ll just say this instead: BPO life can be harsh to sick people.

Today though, none of that matters to me. I am at home and my next job doesn’t start in a week or two so I can sleep and lounge and be sick at home as much as I want. Thank God eh? Even though I want to work on my temporary tattoo ideas I will not force myself to do so. Rest is rest. Health is wealth. Goodbye to working even when I’m sick. Hahaha~ Itaga mo sa bato.

Wow, this is what conversations with my mom over the phone did today – I just realized I’ve been living mostly on my own since college and I don’t regret it one bit. She on the other hand had planned to “wean me off her” when there was actually no need for it back then. Why? Because I was happy to finally be on my own, doing my own thing and all that jazz, living in a secured dorm and doing that bedspace thing. (Thanks grandma!)

Would have been happier if I didn’t have to commute from Taft, Manila to Proj 2-3, QC for 3 years to live/stay with relatives every weekend until I graduated. Psh. Probably would have had a livelier and wilder life eh? Or maybe not.

Oh and I remember the dorm curfew, mygads… hahaha~ I actually feel sorry for waking up the manong guards all those nights but hey I was such a diligent student. XD Staying up late for projects in computer shops? Playing online games, creating artworks and/or doing reports and such until ungodly hours? Uhmhm… that’s me. I actually loved every second of it except for the homework deadlines and all the stress during baby thesis and thesis proper.

Woooh~ baby thesis feels reminds me of the new KDrama I just started watching last night – Cheese in the Trap. Always the leader who almost wants to do everything by herself to get the best grades. Hwaw. But of course I did delegate and yet in the back of my young mind, I judged.

Yes I know exactly how the female protagonist felt when you do your very best, being the perfectionist much back then, only to fail the entire group. Boom panes and uber sakit moment yun, as in, pramis. 😛 Oh well, I’ve learned a lot since then.

Anyway after college I did live with my bros and a “sis-in-law” for 2 yrs, I think, before being TOTALLY on my own (THANK GOD). 2009 – 2013 was the best years of my life as far as I can remember. Too bad I had to stop living on my own after mid-2013 due to mom’s hospital adventure. 😀

This year though I plan on living independently again. Utang na loob pls lang Lord. I will be moving out soon and totally do as I please, thank you very much. Bwahahaha. This should be fun. I can’t wait to be on my own again. Woohooo!

In other news, I’m into temporary tattoos now. Back to my art roots, hurrah! Finally came up with a new product to produce and sell! I’ll be releasing my wearable skin art designs for summer 2016 in a few. Oh yeah! Coming real soon! Abangan! 😀

New FB page in the works too, or not if I change my mind. But do check out and follow my Instagram art page for updates: Yay! So exciting!


Indeed, the so-called muse is real. Usually a muse is depicted as female, but apparently they can also be male.

According to Merriam-Webster’s dictionary, a muse “is a source of inspiration; especially :  a guiding genius.”
In Greek mythology, “it is any of the nine sister goddesses presiding over song and poetry and the arts and sciences.”

And I have met a male muse. I have never thought it possible to have someone inspire you consciously (or more likely, unconsciously!!!) just by being around them or just even thinking about them! It kind of makes me crazy until I let it out through some form of art or literature! Good God. Who knew someone could actually be the personification of inspiration?

Inspiration, or whatever else it is, through him is like an irritant if it isn’t let out. It burns in my head then at worst it goes down to my heart. Wow. The only way to keep one’s sanity is to let it out through any form of art or literature, like literally. (Yeah and I had to repeat that statement, lol.)

I have never questioned my sanity until now. And that burning curiosity as to why it happens prompted  me to search for answers on the internet because it just made no sense. How can someone affect your sanity so much? This does not seem to be love. It might be infatuation, but seriously/honestly, no one else has this effect on me, so why?

My search brought me to a particular blog that gave me the answer. It then brought me to an inspiring Ted Talk by Elizabeth Gilbert, author of Eat, Pray, Love. She says there are those that claim inspiration comes from other beings. I guess that is true. It used to happen when inspiration strikes, I have to write it down or draw/sketch/doodle it out immediately or all will be lost no matter how hard I try. If I was too late, it would be like trying to catch a dream already fading away. That sucks when it happens. If you have a muse though everything is different.

Having a muse just lets your creativity out with no cap on it unless you move away. Simply moving or staying away from the person can keep you from being overwhelmed. Just thinking about them can still actually inspire you unconsciously! What is that, right?!

So the question now is how to control it when it happens. Okay control is kind of a negative word, so maybe moderate it. And now that I’ve realized this I guess it’s not a bad thing hanging out with your muse, unless you let yourself go insane from sticking around them too much. Craving for inspiration like it’s a drug though is something else.

Anyway, I wonder if you tell your muse about it, would that dispel the magic? Or would it not?

On a side note, maybe this is just searching for meaning or pragmatics, which is part of semiotics, my word of the day. 🙂

Because I need to always be reminded.

Our world is full of distracting things that we tend to forget the important things. Pain makes us fear love in any form. It makes us cold. It makes us dead inside. And then when you’re dead inside you’d start to wonder if you’re ever really human at all or just something else that got trapped inside this body. You long to be free of it but you chose to come here. You chose to be born. (Well at least that’s what the others say.)

It’s pretty interesting how relationships, especially anything romantic, can make you look at life through a different perspective. Always. And when you do realize the lessons you needed to learn make sure to not forget it. Move forward and expand. Improve yourself, be a better person than you were yesterday so you can help make the world a better place for each and everyone. 🙂

Peace be to all.

It’s funny how something profound suddenly pops up in our heads when you least expect it. Mine happened a few hours ago.

I’ve always been geeky as far as I can remember. Maybe a bit too intellectual (or feeling scientific minded? XD) but still fascinated by all things in nature that I  find life so fascinating I can’t help but think too much.

And so it happened I was watching (episode 5 of) that 1981 BBC TV series The Hitchhiker’s Guide to the Galaxy on YouTube when suddenly a thought came to mind. One that is so simple it’s astonishing I wondered why I haven’t thought of it before.


Part of Douglas Adams’ story deals with a super computer, Deep Thought, created to answer the Ultimate Question of Life, The Universe, and Everything to which it is stated the answer is the number 42. Now what kind of an answer is that, right?

As a follow up, that computer said you have to have the right questions to have the right answer, to which the right question can only be found on Earth which have been destroyed before that question could have been extracted (or something) by the mice.

And then somehow I had to take a pee break and guess what, the answer to the purpose of life came to me: It is to make life better for each other, or for that matter everyone.

Now that doesn’t sound so bad does it? Actually it sounds quite easy…

*    *    *

Uhm, so let’s just leave it at that shall we. I should be preparing to go to mass now. 🙂 Happy Sunday!

Let’s say you’re sad, but then you got invited to an occasion (you wouldn’t normally go to if you weren’t sad) :

  1. You decide to go and meet your friends.
  2. You join in on the pictures and smile in every one of them even though you’re really sad inside.
  3. You laugh at the silliest random funny petty things that come up.


Sounds familiar?

Remember that the only person who is making you stay sad is yourself. If you choose to be sad that’s okay, we’re all human. What matters is how you move on from that sadness and make yourself better. What matters is what you do to keep yourself from being sad for a long time.

No one can be happy all the time. Life is a lot of ups and downs. Nobody’s perfect even though you wish you were.


Would you appreciate being happy if you didn’t know how it feels to be sad? But then again we aren’t machines made yesterday. We’ve been here since Day 1 so we should know how this works by now. And yet sometimes we still need to be reminded of this.

Sometimes it feels better to just let it all go and forget everything, act like a kid and take no responsibility for anything whatsoever. But then that’s just delaying the inevitable: procrastination at it’s worst. That’s when you do something only when it feels like it’s going to be too late or if you’re forced to face what you don’t want to when the time is almost up.

As I write this in my room, someone (or some people – a kid, and her yaya?) outside keeps playing Idina Menzel’s Let It Go.  *snort* Only the chorus plays over and over again so I guess it’s a toy you press that plays the music.

So there you go folks, the answer to that sadness may very well be to just let it go in order to be happy again.

Happy Holidays!


When you “let it go”, it shouldn’t mean that you forget about it like it didn’t happen because that’s not healthy. It means you need to forgive yourself and other people. Acknowledge what is making you sad and work on doing something about it to stop being sad about it. Only taking action on something will make it better. Good luck!

Dwelling on Hate and Pain? Read this instead.

We can’t always live the perfect or best life we want. However much we wish to live a life without deception, sin or any mistake, life isn’t like that.

Heaven is a metaphor of something only the dead know of. Words are mere instruments of expression we won’t be needing when we get there. This is why life on Earth is challenging.

We choose to either be happy or sad. Everything is in our hands. The decisions we make or the actions we take allow us to grab that chance and make the most of every opportunity. We only fail when we choose not to be happy. And most choose to do so because they are afraid to be happy.

As cliche as it may sound, life is really what we make of it.


We should only control what we say or do and not other people. Even children must be guided instead of manipulating everything about them. Our lives are our own but we are all interconnected.


To be alive is to be the bravest of us all; to exist is to be mediocre and afraid.


* Nothing follows…


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