What do you do during your free time? As a mother and a wife, I seldom get a free time for myself. Most of my time is spent for my kids. And what’s funny sometimes is that when I get to have some, I don’t know what to do anymore. So, now I need to have everyday ‘goals’ so I can be able to plan out what to do during my free time. May it be a time for rest or a time to be productive.

So, for now, I planned to do some writing for my free time. This way, I can relax and express myself. Yes, writing somehow relaxes me, that is writing spontaneously and not writing for a task or an assignment.

For tomorrow, I plan to do some reading during my free time.

Good nyt for now!

The news is all over, big companies are closing down, countless of people are out of job and prices are soaring high. You can’t help but worry about the future.

As of now, I still can’t personally feel the effect of all these things or maybe we are already used to be in financial crisis..hehehe! but kidding aside, I resolved to take measures to be prepared for these things.

How to be Financially Fit in times of crisis? Here are my suggestions:

1) Pray and Don’t worry – As the Bible says we can’t gain anything when we worry. So, I resolves that whenever I hear news about the worldwide recession, I pray. God has the power to change everything and God is able to provide our needs. Period.

2) Think before you spend – I need to ask myself the following questions before I spend. Is the thing I’m buying important? Is it a need or a want? If it’s just a want, then maybe it can wait for awhile. I can decide on buying it only when there’s a bit of extra money. I thing one question that I need to ask now too is : Is it healthy? Yes, a good portion of our budget goes on food and I think we have to stop buying food stuffs that are not good for our health (I’m talking about junk food). With this action, I can’t just save a chunk of money but save on extra bulge on my hips.

3) Work on your personal/family budget- When the monthly pay comes, all the necessary bills must be paid off and only then budget on the other things. If there’s no extra money after all the bills and grocery budget then it’s time to cut off some extra expenses like long distance calls, eathing out and etc.

4) Try not to loan or borrow Money – In times of recession, bank interests soar up so high, and when we have bank loans, we’ll end up being burdened with it. So, it’s safer not to have any loans or only have manageable loans. Having a lot of loans ( especially cash loans) also proves that we are going beyond our budget.

5) Find extra income- Aside from your main income, look for other ways to earn. Invest on some small business or look for some ‘business’ online that doesn’t require much of your time.

I already bought myself a planner but until now, I’ve only been successful in writing my name on it. I plan to plan my days, weeks and year, but even then, I actually haven’t done the actual planning itself yet. weird huh!

So, in my planner I will put all my goals for the month per category:

Physical – How much weight I need to lose and what actions I have to take to lose them.
Financial – How much money I need to save and make some kind of investment or important thing to buy. For this month , I’ve already achieved one of it and it’s the laptop I’m using now.
Spiritual – Make 1 or 2 teachings per month,
Emotional Goal- Plan family outings and dates with Hubby.

Okay, enough of blogging about my plan to plan..let me go get my pen and organizer now and actually do it myself.