How Will You Spend Your Christmas Bonus or 13th Month Pay?

We were at Abreeza mall last Sunday. And I can tell the spirit of Christmas is felt in every corner - pretty Christmas decors, huge Christmas tree, and people bustling around such as shopping and selecting on-sale items, which makes me think "perhaps they already receive their Christmas bonuses or 13th month pays."

In fairness to my job, I do receive 13th month pay as regularly as those received by other employees working in a government or a private company. That is one of the perks I get as a WAHM (work-at-home mom).

Excitingly, I have already laid out plans how to spend it.  How about you?

Since I can no longer wait of your responses about my question, then I'll try to answer this question myself. Now, how will I spend my 13th month pay?

1. I will spend 25% of it into a house project.

True enough. Once you have a house of your own, you and your spouse will keep planning what needs to be improved or what else to buy for the kitchen or for the living room or for the bedroom. Relatable? So each year we always make sure we see something tangible with our money. That is a house project.

2. I will invest another 35% of it into stocks (COL Financial in particular).

Though we have already started investing into mutual funds (actually joint account funds), but my husband is the one who manages them. What I would like to know is how to invest money in stock market on my own.

Frankly, I am not knowledgeable enough about stocks, but since I am fortunate to have a champion partner, I thought of relying on his expertise of what steps I should take.

3. I will tithe 10% of it into Church.

Shameful to say that we didn't tithe 10% of our actual income to God yet. Yes we do offer money regularly (every Sunday during the mass), but not as much as what the Bible says, tithing. Keep in mind everything we own emanates from Him.

“A tithe of everything from the land, whether grain from the soil or fruit from the trees, belongs to the Lord; it is holy to the Lord” (Leviticus 27:30).  The tithes and firstfruits belonged to God, and he assigned the Levites to receive them on his behalf (Numbers 18:12-132124). They could keep 90 percent of what they were given, but had to give 10 percent as an offering (verses 26-32).

4. I will spend 20% of it to buy gifts and help those who are in need. 

Christmas is all about giving and sharing, isn't it? We have less-fortunate fellow men out there who really need our help and generosity. Why not spare a little amount to make them happy.

Likewise, my god children and family have been anticipating my yearly presents, so a fraction of my 13th month pay would go directly to gifts-giving.

5. I will spend the remaining 10% of it for myself. 

I have been working so hard for the past 12 months, I guess, I would give myself extra treat and pampering. I would love to have a hair and body spa for a new, energizing, and refreshing look this coming holiday.*ehem*

That's surely my plan as soon as I receive my 13th month pay (just got a confirmation from my employer this week). Haven't you noticed a large amount of my money goes directly to investment? As a queen of delayed-gratification, (husband is the King), I ensure that I prioritize saving over buying or spending. I would definitely love to see my money grow rather than to start a new year broke (bankrupt) or indebted.

How about you? How would you spend your bonus or 13th month pay? I would love to hear from you by leaving your comments below.

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It's Christmas Time Again!

I can hardly believe we're almost nearing the most awaited season, the Christmas season when Jesus Christ was born. Twenty-three Twenty-four days to go from the day I wrote this post.

I awoke this particular morning (December 1, 2014) with a feeling of excitement and joy, knowing that December is my favorite time of the year where my family and I observe everything we enjoy during holidays - from gifts giving, to Christmas decorating, to cooking, and to family gathering.  As I pondered today about what has been left in my Christmas-to-do list, looks like 50% is ready.

Christmas Tree. Check!  

We use the same Christmas tree and decorations every year, but I just add a new set of balls and ornaments this year as fillers. As you may see, the tree is filled with gold decors which symbolize GOLD itself. As Christians, we know that gold was a Christmas present offered by wise men during the birth of Jesus Christ. Gold also represents wealth and prosperity. Yes, I am hopeful and positive that 2015 will bring more prosperity and wealth to my family, of course with God's grace.

Christmas wreath hung outside. Check! 

The red ribbons with balls and the Merry Christmas thing were old stuff but I reused them. So that they would look new and refreshed, I attached a wreath behind them. So embarrassing, I am clueless what wreath symbolizes until I found today that it has a significance meaning. The circular shape represents eternity.  It also represents the thorn on Jesus Christ's crown when he was crucified. (noted)

House Makeover. Check!

Oh oh, Chesska started messing up the Christmas tree. Check!

Earlier I mentioned I have done 50% of my to-do list, and the remainder 50% would be sharing our blessings to the needy, attending mass but I can't promise simbang gabi , meeting and visiting families and old old friends hehe.

However, let us be reminded that the core of this celebration is not only focusing about the material things such as gifts, party, bonus, new clothes, whatsoever,  but also preparing ourselves spiritually by inviting Jesus Christ in our heart to lead and dictate our life.  Christmas is a celebration of the birth of Jesus Christ, the son of God. He sent Jesus to us because of His unconditional love.

For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life. John 3:16. 

Let us look the new year this way, then we'll have an everlasting joy and a Merry Christmas!


Celebrating 4th Wedding Anniversary at Malagos Garden Resort

We hit another milestone. Yay! Ronan and I used to celebrate anniversaries far away from home. Far away from chores. Far away from responsibilities. And for this, we thought of spending this eventful occasion at Malagos Garden Resort since we have never been to this place. Ever!

Interestingly, it was not a typical wife-husband date, but a kind of group date where my mother and some friend joined in. As the old saying goes, "the more, the merrier", isn't it? Actually, we already make this out-of-home celebration a family tradition yearly. Just last year we went to Eden Garden in Toril, and this year we settled into Malagos Garden after our deliberation, (lol) . And hopefully at Pearl Farm next year. (Ronan take note, wink...)

Back to Malagos...

Malagos Garden Resort is 45-minute drive from Bago Gallera where we live. Ronan drove the car. The trip was smooth, no traffic at all. We got there safe at noon, just in time for lunch.
Welcome Signage
Reception Area for Guests

At a very affordable price of 2, 400 per night, we stayed at Standard Room (Medenilla) which can accommodate a family of five. The cottage is air-conditioned, provides hot and cold showers, has 4 bedrooms and closet, lobby for TV viewing, and a little veranda with overlooking on the nature that gives a delightful ambiance, making us forget the daily worries and fast-paced lifestyle in the city. The room rate is inclusive of breakfast, use of swimming pool, plus a free watch of Bird Interactive Show.

Standard Room

The Interior

Little Veranda
Free Use of Pool 
Children's Playground
Children's Playground
Giant Chess
Being raised in barrio for most of my childhood years, I must admit I haven't ridden to kalesa yet, so we seized this once-in-a-lifetime opportunity, Kalesa ride. For 50 pesos each, it wouldn't harm our pockets. We were being ushered by this horse (of course with the tour guide, lol) to round the Malagos garden for 10-15 minutes. An awesome experience, indeed!

Life is short. Don't miss opportunities to spend time with people that you love. -John Osteen-

Kalesa Ride
Jump Shot at Soccer Field
To be one with nature once in a while is one way to improve our quality of life. It gives us happiness, inner peace, and harmony. It will also help us reflect that we are connected with nature, without them our life is not balance.

Treat the earth as if your life depends on it. Genesis 2:15

Malagos Garden
With loved ones
Just Me


Blooming Flower

One of my favorite aspects during the trip was the INTERACTIVE BIRD SHOW, designed to entertain guests through spectacular birds tricks, and educate everyone as well about birds' habitats and behaviors, and how global warming has impacted their existence. Don't miss to watch it, otherwise you'll miss half of your life.
Ducks Evacuation Scenario 
The amphitheater was filled with audience including students and day-tour guests.
Birds Performing Tricks

Picture taking after the show. 
The foods offered make our taste buds happy. Though pricey, but worth trying. What I liked most was the sinigang where they used batuan (freshly picked from the garden), to make the soup sour. The sourness has distinct taste and it's heavenly.

Free Breakfast
Lunch consists of sinigang na malasugi, garden salad, calamares, and fresh juice
Dinner includes kinilaw, chicken coup, fresh fruits, pork BBQ, sweet and sour fish.
Mama and close friend at Koi's Cafe
Koi's Cafe

Souvenir Shop

Contact Information:

Malagos Garden Resort 
Barangay Malagos, Calinan, Davao City
Telephone (6382) 301-1375
Fax (6382) 301-1533
Mobile 0917-700-8583

Malagos Garden Resort Davao Sales Office
Bolcan Street, Agdao, Davao City
Telephone (6382) 221-1545
Mobile  0917-625-2467

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Just Ordered a Redmi 1S Mobile at Lazada

My original plan was to buy Asus Zenfone 5 as a Christmas present for myself.
However, I was interrupted by this news.
This news was intriguing. Really.
And this came from my husband who often mentioned that there was a new Smart Phone called Redmi which was reportedly a threat to Samsung and Iphone in terms of affordability.

To verify, I googled the news and finally confirmed that this China-made mobile, owned by Xiaomi company, was one of the fastest growing smartphones in the world, ranked in 3rd spot behind Iphone and Samsung. (more news here)


Convinced, I told my husband to order at Lazada. Good to know it was already on sale because by the time my husband checked it out,  a day before we bought, there was a notice displaying, SOLD OUT! You see how in demand the mobile is?

photo credit:

Luckily, yesterday, when we re-checked the page at Lazada, it was already available for sale, though there was already a count down timer installed on it before you could purchase, running for more than 2 hours, so Ronan had to wait longer before he was able to buy. Surprisingly, we got a big discount.  Instead of 5,509, we only paid 5,009 plus a chance to win the Redmi note.  Yay!

As soon as it will be delivered at home by next week, I promise you to make a review on this phone.

Thanks for reading!

Lazada Philippines

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