Click for a Buck!
August 30, 2008
So far, I’ve been earning ok on PTCs like Kooplinks.Com and ClickSalary.Com.
I recently found this site called Click for a Buck. Instead of making just cents, a clicker can actually make dollars! The payouts are ridiculously high and I’m not even sure if it’s real but hey, I won’t die trying!
If your curious, click on the link below and see for yourself.
On TV!
August 4, 2008
At 9am today, kimsan23 was on ANC talking about sidelines and raket.
*BOW*
Buying a Car
July 14, 2008
Fuel prices have gone up pretty fast since March of this year. I currently drive an automatic gas guzzler which costs me an arm and a leg to gas up every week.
Crazy thing is I’ve decided to buy a car. This is going to affect my savings but I think it needs to be done. Currently, my car runs at 5-6 kms. per liter of unleaded gas. I’ve decided to get a car that will run at 17 kms. per liter. I save a lot in the long run plus I get a new machine.
I did all my computations and found out that this transaction will not cut out my saving habit too much. I just need to buy a car that will fall under the 300-350k range.
This is a big decisoon for me since I still am racing to get my 1 million.
Tips for Smart Grocery Shopping
June 29, 2008
I follow a strict budget when I go shopping for groceries and I really exert and effort to stick to it without depriving myself of the occasional food treat for myself.
The temptation is great whenever I go to get my groceries. There’s always something interesting and something new to try. Sometimes, some things are ridiculously over priced and I consciously decide to stay away from those things until next payday when I’ve included it in the budget.
Tips on Smart Grocery Shopping:
- Assign a fixed, budgeted amount you wish to spend for your groceries. This must be in line with your objectives. How many meals are you shopping for? Are you also shopping to include packed lunches for work or school? What other items do you need to buy? What is your budget for pets? What is your budget for cleaning implements? Do you need to buy anything else for the house? After answering all these questions, then you’re ready to make your list. Don’t forget to include gas consumption/transportation as well as parking expenses in your budget.
- Draft a menu for the week. This will help you determine the quantities you need to purchase. It will prevent you from unreasonable over shooting on your budget.
- Create a list of items you need to buy. Organize your list according to categories like: Food, Cleaning, Health and Beauty, Pets, Kids and Miscelleneous. Misc. items should be the last priority on your list. Once your done, off you go! Don’t forget your list! Its happened to me and it could get frustrating aside from the fact that I’m out of control without a list.
- At the grocery, shop for the items on your list by choosing inexpensive but reliable brands. Shopping for labels that cost and arm and a leg but still deliver the same quality as something that is a bit cheaper is not practical. To find out what brands work well, check out reviews on the internet, ask friends or relatives who have tried the product.
- Lastly, be disciplined in the grocery store! Shop only for items you need and that are on your list. Misc items are the last priority. Bring a calculator as you move along so that you could keep tabs on your spending. If your mind works like a mini-calculator (like mine)– go ahead and compute along the way.
If you have kids, try not to bring them along as they tend to ask for many things. Otherwise, if you can exercise control over them, then that’s fine. You can even assign a buffer amount for their own little spending so as not to deprive them of occasional treats.
Happy grocering!
First eBay Sale!
June 16, 2008
Yesterday, I delivered my first eBay item to it’s new owner!
The first time I advertised it, it didn’t really get any bids or attention. Then I got this message from eBay saying “don’t give up!”
I’m not really the type to give up easily so I listed it again a few days ago. Then finally a day into the listing, I got a text inquiring about the item. 
It’s not a monumental amount, I only got P500 for it but still — eBay does work for small time entrepreneurs like me!
Since I got inspired, I decided to add two more items to my eBay list. We’ll see how that turns out.
Income from HubPages.Com
June 11, 2008
I have been trying out some avenues for making money online. So far, I’ve found Matched.Co.Uk (which has awarded me 2 ads at 3 British pounds each per month), Google Adsense and HubPages.Com!
So far, I am enjoying writing on HubPages.Com. Basically it’s a website that works something like a blog but is a bit more organized in terms of topics, contributors and posting rules. It’s this whole online community of writers and readers! The thing I like about this is that it’s partnered with Google Adsense, Amazon Affiliates, eBay Affiliates and Google Analytics.
I published one article yesterday and it got me one click on my Google Adsense ad/s. Not bad for a first day.
I’m hoping that it brings me some sort of revenue! Still, I like the fact that it enables me to do one of the things I like best- write!
Visit my hub page to see how I’m doing every now and then.
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*To read articles other than those about Personal Finance, go to “More Kimsan 23 Sites” links on my sidebar.
YouSwop.Com
June 9, 2008
I was sent an invite today by a friend of mine about a website called YouSwop.Com
The idea is simple, it’s a trade and bartering site on the web meant to promote a cashless trade interaction. Each item is assigned a value by the seller. The values assigned as in YS (YouSwop) Dollars. Each YS$ is equal to USD$ 1.
And I quote from their website:
What is Swop and how does it work?
A simple explanation of Swop refers to the exchange of goods and services without the use of cash.
In YouSwopTM, you Swop “Sell” your unwanted items for YS Dollars (YS$) and use the YS$ to Swop “Buy” any items listed in the Swop Vault.
Alternatively, for exotic or collector items which does not have a price tag, you can contact the owner directly to do a one-on-one swop.
Currently, membership is invitational. Most members are from Singapore but of course, it would be great to build a strong Philippine market here as well.
I hope you can help me build a BIG PHILIPPINE contingent in YouSwop.Com
If you are interested to join, send me a message or drop me a comment with your name and e-mail address so I could invite you.
Let’s go swoping!
HSBC Time Deposit
June 9, 2008
I had recently attended a company seminar on bank loans. The seminar was facilitated by HSBC. Apparently, they’re our company’s banking partner in providing employee loans. I wasn’t really there to loan though– I was more interested in information on their time deposits.
HSBC has a pretty darn good record when it comes to banking services so I asked for information on their time deposits. This came yesterday in the mail:
I’m not sure how the rates work, I still need to talk to someone over there who can give me a more visual look at the earnings. The last time I went to a bank (BPI) to ask about time deposits, I was shown an earning of P315.00 for a short term time deposit of 100k. Hmmm.
On a lighter note, I think the word “TENOR” in this chart means “TENURE”?
Why I Have More Than 1 Bank Account
June 3, 2008
Saving money is a discipline. Discipline with saving up isn’t something I automatically developed as my parents taught me the ins and outs of personal finance. Truth is, I took after my dad who has almost zero skills in saving money. It was my mom who really knew how to handle finances and save for a rainy day. She helped me open my first bank account, which I ended up closing just because I used up all my funds. Mom would literally nag me into opening new accounts but I was always short of cash and could not maintain a bank account’s minimum balance. When I started my own business, money kept going out of my checking account but not in. I lost again. I was spending exactly what I was earning with absolutely no concept of trying to turn a profit out of a business or saving a small portion of a salary. Everything cash went somewhere else — away from any bank account or even piggy bank for that matter.
Just about this time last year, I had decided to start saving up. Seriously saving up. Even if it meant putting away just 200 pesos every payday, at least I was getting somewhere. The company I was working for closed and gave us all separation pay. As soon as I received mine, I immediately decided on the different ways I could use it. A good portion went to opening a bank account with a maintaining balance of 10,000 pesos. The other good portions went to credit card debt and of course, a few splurges — after all, it was my money.
At that time, I already had 2 bank accounts in different banks. One of them was a joint account and the other was a personal one. Recently, I bought into a time deposit — my 3rd account.
So why in the world do I have all these accounts? Simple. Since I do not have the discipline to maintain a plain bank account — I opened several with limits.
- Joint Account - Since it’s joint, I could not spend the money in it without informing my co-depositor. I keep tabs on the account, checking what money goes in and what goes out. So far, we’ve maintained pretty well since January of this year. No money goes out unless it’s needed and is mutually agreed on. This account is the one we use for emergencies. So the money here is pretty much temporary– meaning it could be withdrawn any time.
- Time Deposit - This one’s locked up for 7 years. Hence, no touching unless absolutely necessary.
- Personal Account - I opened this one as a passbook account with no ATM access. I made sure that it was easy to deposit (inter-branch with no fees) but hard to withdraw. I could only make a withdrawal at the main branch which is technically hell to go to.
So far, it’s been 5 months since I started fixing my financial set-up and I am proud to say that I have been able to ably discipline myself. My savings are consistent — I keep track of all deposits and withdrawals. I have been able to develop a savings-only mindset which allows me to allot a fixed amount for savings every payday.
Next thing I have to work on is…how to stop taking money from my piggy bank!
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Incentria.Com
May 29, 2008
I’ve been bitten by the Kooplinks bug and am now a bit more adventurous is trying out new PTC sites. I stumbled upon something that looked a lot like Kooplinks and decided to sign up.
They pay a minimum payout of $1.00 via Paypal. Check them out!
