Tuesday, August 20, 2013

My Card ... Our Best Friend

I know guys that you know that credit cards really create magic. Just a simple swipe all things you want will be instantly yours. But do you know many people now suffer because of using of those plastics and many are maximizing and enjoying having it? 

I am BDO credit card holder for I think almost 8 years but my credit limit never increased. I can feel their fury on me and I am loving it  haha. Every time I swipe my card, I see to it that I have already the money in my bank account. Why? I want the amount to stay there until end of month to increase the deposit and could make more savings interest. Then I
will pay it in full. No balances is equal to no interest, no extra charges and fees. I also demanded to waive off their annual fee, and they agreed. 

Here in Singapore, my husband have Citibank SMRT card. Since it is his first time to use one, I educate him how to manage it. With a good credit background many banks now offering him to get a loan which we always refused. We also received great points that we can redeemed for dining and grocery vouchers.

I treat my card as my best friend. Never borrow money unless really necessary and always pay all your debt or else the friendship will be torn and wasted. 

You? How do you treat your credit cards? If you don't want your life a living nightmare do not use your credit card to spend today your tomorrow's money.

Friday, August 9, 2013

My Insanely Awesome Mother-in-Law

Its very hard to please everbody... most specially mothers-in-law. If you will search the internet about MIL, you will see how many rants the daughters-in-law to their second mothers. And ang tanging bilin sa akin ng nanay ko ay ibuhos ko na sa kanya ang kamalditahan ko at wag sa magiging byenan ko.  My mom felt the pure love of her parents-in-law to her and vice-versa and of course I want to be like that on my byenan.

When I met Mrs. Lapuz, I felt how she loves Abbey. She always asked back then if I really love her son. She frankly told me that my looks were deceiving, and she don't like me because I look so snob. 

First meeting, she cried in front of me and I listened to tales. In one meeting, Tita Sweet got my attention, my care and my heart. I told to myself, this is the mother-in-law I want to be with for the rest of my life. 

Well, I call her "Sweet", why? Should I further explain it to you? For almost 5 years of relationship with Abbey I never saw her shout in anger, she always hugs me when I go to their home as if I was gone for years, she kisses me a lot, she treats me as her own daughter, she buys me stuffs... Hey! I even have my own set of clothes in their home in Bulacan. Mama Sweet is always there for me if I need somebody to be with sa aming pampering sessions, she always explains why Abbey acted weird sometimes. And the unforgettable, when I got sick in their home, she took care of me, she even massages me and gave a breakfast in bed. 

Yeah, yeah, jealous I got this kind of mother-in-law? She is really an awesome person. A total package, a mother and a girl friend in one. 

Thanks Mama for everyting lalo na sa pagpapalaki at pag-aalaga mo ng maayos kay Abbey hanggat 'di pa ako dumarating sa buhay nya. I love you so much Mama Sweet. You are one in a million. Mama ako pa rin ang number 1 mo na manugang ha? Haha! 

We miss you Ma! Hope to see you sa 1st birthday ni DomDom. Let's go for some manicure and pedicure ;)