the future and the need to save

-
in the past months, i can't stop thinking about the future. while i don't know what will become of me in the next few days, years, I know for sure that i need to save for it. unfortunately, my fate in the love department is not quite promising. so, tally is still in favor of me being sinfully single. though a bit scary, i know i can deal with being old and alone. the key to dealing with that is to have money. yep, i need to have enough [or more] to pay for my needs and i'm projecting for salary of a help. my family is very nuclear. i don't have cousins that are really, really close to me. both my sister and brother don't have relationships [that i know of]. thus, i can't see nieces or nephews in the picture as well. so it's imperative that i begin to save for my future so i will have something to help me get by
when real old age and frailty come knocking at my door. now, the problems that i see in me saving for the future are these:

1) carpe diem - i've always believe in seizing the moment. usually, this entails spending money. now, if you save for the future, one has to reconsider this belief.

2) one can't take one's fortune to the grave - hehe, yeah there's a bit of illusion here somewhere. it's as if i can accumulate that great a fortune. i've this idea that one has to enjoy things as they happen. this sounds like item 1. what good will savings do to me if the next day i die? okay, morbid thought. but yeah, does it mean i let go of the present in favor of the future?

3) travel, travel, travel
- it's always this. i'm single. take travel out of the equation, my life would consist entirely of work and my pet house. no in betweens. it's only travel that brings excitement into the picture. though am a budget traveler, still, traveling involves money. so yeah, i can't do both even if i want to.

hmmm...writing all these makes me realize that i'm full of bullshit. one. i know that i really need to save. the things i just listed are pure excuses for my lack of discipline. my gut is telling me that i can do both. the only impediment to doing both is me having no discipline at all. anyway, enough putting down myself for the day.

i know what's the best course of action. i just have to swallow that bit of pill called discipline. oh, there's also one called "frugal living". in fact, just read about how many billionaires continue to live frugally despite the wealth they've accumulated over the years.

Comments

Post a Comment

Popular posts from this blog

PAG-IBIG Online Housing Loan Verification

-
Image
Updated: February 24, 2018 Did you know that you can actually view your Account Information online? For someone who rely heavily on the Internet for anything and everything, this bit of information came to me late. I honestly don't know when this government portal came to exist. Well, I do know that PAG-IBIG has a website, just not this feature. So if you have a PAG-IBIG housing loan, you can check your account balance and payment history for the last 12 months by visiting the PAG-IBIG website . How to Access the Site Simply input your housing loan account number , your first and last names , and the captcha to signify that you are not a robot, shown above. That's it! Once in, you can check your account information such as loan value, term, interest rate, take out date, outstanding balance, and monthly amortization. It also has a Billing Statement Email Facility feature where you can opt to receive your monthly billing statement through email. There, you are ...
Continue reading »

Pay PAG-IBIG Housing Loan Via Metrobankdirect

-
Image
A few days back, I went to PAG-IBIG Ayala Cebu Branch to submit the receipt of my realty tax payment for the years 2017 and 2018. While one can actually send the scanned receipt online, I opted to submit mine in person. Good thing I did so because then I learned about the following announcement: Apparently, effective July 2018, all housing loan borrowers are advised to pay their housing loans through different payment channels (as indicated in the announcement). Rather than wait for the July 1 start date, I thought I'd give paying via Metrobankdirect--Metrobank's online channel--a try. Actually, the reason I opened a Metrobank account was primarily for this purpose. However, I didn't use the account as I initially intended because paying over the counter gives my mother a chance to drop by Ayala Center. She normally does not go to the mall, but paying my HDMF housing loan gives her a reason to do so. But with this new policy, I guess I have no other choice but to comply...
Continue reading »

5 Steps to Enroll Your Metrobank Account Online

-
Image
Below is a quick run-through of how to enroll your Metrobank account online: The steps enumerated are from the perspective of those who have a Metrobank ATM savings account. Thus, the form in step no. 3 asks for details of your ATM Card number ( not your bank account ) and your PIN number---the same PIN number you key in when transacting with an ATM machine. Note that your ATM card only has sixteen (16) digits. The form will require you to input 19 digits. Thus, don't forget to add three zeroes after the card number to complete the 19-digit requirement. If you don't have an ATM account, but have a Metrobank credit card instead, you simply select Credit Card from the drop-down menu. The form that you will fill out then will include your credit card number, the embossed name (the one shown on your credit card), the CVC/CVV number (the 3-digit number at the back of your card), and the expiry date. The rest of the required fields are the same for both cards. Once you successf...
Continue reading »