Hopeless Romantics Shouldn’t Ask These People on a Valentine’s Date

If you think about it, Valentine’s Day is a holiday created by greeting cards, stuffed toy makers, and other industries to boost their sales. Still, February 14th manages to bring enchantment to the people as everything becomes hyped. The sweet serenades, softly glowing lights, and gentle affections from couples puts spectators to spread some love.

There are two types of people during Valentine’s Day – the hopeless romantics and the anti-Valentine. The former looks for love and hopes for a date until the last minute of the 14th. Meanwhile, the latter doesn’t care. They are also the type to not give a damn about what’s on the faux holiday.

Valentine’s Day is a holiday for the hopeless romantics. They’re the type to book a dinner for two and staycation at Seda Vertis North. They keep notes of the person they love, prepare breakfast and go to lengths to wow their s.o. That is if they have one.

Single hopeless romantics on Valentine’s Day will call up their close friends and acquaintances to recreate their favorite rom-com scenes. Going on a date is part of the experience. To have a romantic date, they must avoid going out with the following people.

The BFF of the Opposite Sex

giphy (5)


If you wish to act as a pair on group dates and couple activities during Valentine’s, then go ahead. Extend your plan to confessing your feelings, and you might just end up with a broken heart by the end of the night.

Revealing your feelings on the 14th has an eighty percent chance of failing. He or she may see you the same way. Do you want to risk your friendship and remain scarred for life? Save yourselves from the awkwardness and misery. Don’t invite him or her to an intimate dinner or any dates specifically for couples.

The Colleague

giphy (4)

Don’t ask a work partner or office mate out if:
a.) They are of the opposite sex.
b.) You feel an attraction towards them regardless of their sexual orientation.

Don’t invite them for a round of drinks just because you’re both single, hurting and fresh out of a relationship. One thing leads to another when suddenly a shot becomes five, and you are both giggling like school girls.

Think about what happens once you’ve crossed the line. You see the person every single day, plan and strategize project and work in a limited space. Are you ready to commit to a relationship? Most of all, do you really like them that way? Think about those things before you invite them or join them in drowning their feelings.


giphy (2)

Establishing boundaries is the key to any friends-with-benefits (FWB) relationship. The relationship lasts a long time when both people understand and agree on shared interests and continue to discuss what works for them.

However, asking the person on a date especially when it isn’t part of your agreement may complicate the relationship. Going out on Valentine’s Day suggests love and romance. Are those part of your deal?

If not, open the idea and ask the person. Become open and honest especially if you plan to level up the relationship.

Anyone that results in a complicated relationship

giphy (3)

These include people you’ve had past relationships whether abusive, traumatic and romantic. Avoid calling out the people you think has feelings for you as it gives them hope. It makes them believe they have a space in your life.

This year, leave the people from the past in the past. Try not to string yourself in short-term relationships and those that don’t provide value. Remember, Valentine’s Day is just a day but the actions you choose to celebrate the faux holiday can lead you to irreversible heartache and regret.


Not Quite an Adult: Leaving the Habit of IOUs

money debt

Sometimes, owing a debt is the best solution for your financial woes. There are lots of non-negotiables in life that cost a fortune. College education, getting a house and lot for sale in Cavite, owning a car, and a romantic escapade abroad are some examples of costly endeavors. Swiping your credit card or applying for a loan seems a likely solution for them.

However, having an existing credit balance minimizes your chances of being closer to your dreams and goals. People become tied to their debt even with a high-paying job. Though the economy and its policies are to blame, the responsibility of paying off a due remains on the individual.

A deficit can take months or years depending on how you manage your finances. Hence, try out the basics of money management by taking note of these tips.

Limit your credit use.

Depending on your plastic cards whenever your monthly allowance or paycheck can’t cover your expenses isn’t a sustainable habit. It becomes a financial fallback trap when you engage in the cycle. Unfortunately, a credit card isn’t a substitute for your hard-earned money.

Credit financing is part of banks’ services. Therefore, it comes with a price. Some financial institutions have predatory lending rates depending on the credit service you avail. It makes the job of paying the debt more difficult as the balance starts to stack up.

An existing debt with a financial institution or entity must push you to refrain from accumulating balances. Owing money to cover up other obligations isn’t a financially sound move. As much as possible, use the money in your wallet to settle your debt and other expenses.

Income – Savings = Expenses

Apply the formula after receiving your salary. You can customize the items included in each category, but you can’t change the order of the equation. For instance, you can add your payables in the Savings part. Applying the formula is highly useful when you have a goal in mind.

Make it a point to fill all the pieces of your “Expenses” pie. If you need to adjust a portion each day, then you still haven’t reached your capacity. Reducing your monthly food budget for utilities to make ends meet is an example. When the budget you set each month is enough for all the pieces of the pie, you can start working on the rest of your financial goals.

Get a side hustle.

No matter how much you save or cut your expenses in half there comes a time when the solution falls to increasing your income. Often, this is the solution when debt consumes a large part of your source of funding. If thirty percent of your minimal income falls to paying your debt, it’s time to start getting creative of looking for sources.

Living on a minimum wage and wanting to get rid of your debt as fast as possible isn’t ideal in real life. You will neglect your needs and other responsibilities. Lagging behind your utility bills places you at higher risk of accumulating unpaid balances. A side hustle can support part of your operating expenses.

Switch to cheap alternatives.

Remember, your spending habits brought you debt in the first place. Surpassing your spending capacity because of instant gratification, expensive luxuries, and unnecessary provisions lead you to tap into outside sources such as banks, credit cards, and personal stash.

Choosing cheap alternatives entails lifestyle changes. As much as possible, opt to use public transportation or carpooling when going to places. Choose low-cost subscriptions for entertainment instead of having fixed monthly bills from cable tv. Dining at home instead of ordering out, skipping shopping trips during a shopping woe are some things you must forego when paying a debt. That way, you won’t need to neglect the essential things in your life.

Debt cripples you as it’s a form of a financial burden. It can sidetrack you from your goals and consume a considerable portion of your life. When paying your bills and obligations, it’s best to set up a facility that automatically deducts part of your income and transfers the amount to your debts.


Not Quite An Adult: Curing the Weekend Boredom

Being connected twenty-four hours a day and seven days a week makes it tempting to spend a day on the couch or the bed with the phone in hand or face glued to the screen the laptop. Even if you spend most of your day at work in front of the computer, it’ s still an exhilarating feeling to browse the net at your own expense. It’s a guilty pleasure and a treat during the weekend.

However, maintaining the same set of activities that don’t provide growth won’t help you improve your skills in the long run. These pursuits keep you from building your skills and strengths. For one, it hastens the deterioration of your body. The lack of physical activity eventually makes your body weak. Minimal mental stimulation makes the brain stagnant. Over time, it becomes difficult to come up with ideas and solutions. Thus, you must train your body to continue generating movement.

You can start changing your habits by introducing new projects to do every weekend. Clueless on how to go about it? You can try these activities instead of filling your closet of bargains and steals from Vertis North.

  1. Catch up on water intake.

The body needs moisture to function properly. Fill up your water bottles and containers with liquid. Challenge yourself to chug the required amount of fluids.

  1. Play with a recipe.

Look up your favorite meal and spend the weekend mastering it. Indulge in the aroma and fragrances of herbs and spices. Use fresh vegetables and meat cuts. Stay away from frozen ingredients.

  1. Bask in sunlight.

When you spend most of the day in the office, you don’t have the luxury of spending their day under the heat of the sun. Use weekend mornings to catch a dose of Vitamin D and fresh air.

  1. Run or walk it out.

Movement produces endorphins – hormones that make you feel good as it minimizes the pain in the body. Go out of the house and sweat out worries. Explore your neighborhood while you’re at it.

  1. Groom yourself.

Grooming isn’t only concerned with your hairstyle and makeup. Clipping your nails, shaving, and scrubbing, and brushing your hair is all part of keeping a neat appearance. Keep yourself in check each weekend and maintain the condition of your hair, nails, and skin.

  1. Blast some tunes.

Do you have some angst to release? Do you have a lot of leftover energy and excitement from the good news you received over the week? Create a playlist and sing your heart out along with powerful ballads and quirky pop lyrics. Feeling like busting a move? Compile bass thumping and head bobbing house music or EDM masterpieces.

  1.  Use a pen and paper.

Having your smartphone in tow leaves you less time to drabble with pen and paper. Cultivate the habit of writing. It’s not only a skill, but it also helps your brain strengthen the memories you wish to retain.

  1. Offer help.

Helping others is a quick way to boost feelings of self-admiration. Knowing you’ve lent a hand makes you feel good about yourself. Extending kindness also adds value to the world. Thus, it’s better to find ways to spread your compassion to others than spending the day indoors.

You can explore other ventures besides these activities. It becomes exciting when you include your friends in the process. You can also ask your S.O. (significant other) to join you. Having another head to think of new ideas makes it easier to fill the day. You’ll feel recharged for the weekday afterward.

The Mark of the Abundance Mentality

Economists are not the only people with the scarcity problem. All people are facing a semblance of a hurdle in their life. Some people have physical struggles – lacking in body or financial constraint – while others are undergoing mental challenges. These people may be short on faith and belief in themselves. They may also have limited outlook on life.

All of these instances are manifestations of scarcity. Other than the threat that comes from limited resources, the shortage can also be a form of thinking or outlook in life. Unfortunately, allowing the deficit to flourish in the depths of your mind leads you to live a life of fear and uncertainty.

Hence, it’s highly favorable when you choose to abundance. Living life in a manner that’s plenty for everyone is similar to being a water bearer or flowing river. It’s the opposite of living in fear of loss and rejection of opportunities even in the comfort of your home in Vermosa.

To further understand the difference between a Scarcity and Abundance Mindset, here are some differences you can observe between the two.

  1. Scope of thinking

A person with abundance in mind thinks of the big picture. Their thoughts are free to run wild, so they come with ideas, concepts, and solutions. They aren’t afraid to fail and aren’t bound by limitations of their great ideas. On the other hand, a person with a scarce mindset is bombarded by fear and anxiety. They end up thinking small as they remain confined in the imaginary walls they created for themselves.

  1. Emotions

When the mindset favors to abundance, people won’t shy away from sharing their feelings especially if they are positive ones. Moreover, they aren’t only happy with their achievements and recognition. They are also ecstatic for the success of others. Contrast to this are people who compete and resent the success of others, even their kin.

  1. Change

Change is the only permanent thing in the world. It happens daily yet it is still one tough pill to swallow. An abundant mindset acknowledges the changes that must occur. They appreciate the effect of change and its positive outcome even if it the path poses challenges. A scarce mentality resists change because of fear. They appear as complainers and take longer to accept new ideas, patterns, and suggestions.

  1. Capacity

A scarcity mindset cripples you into thinking you’re the victim in various situations. Daily life comes with stress and elicits a range of responses in the form of anxiety, fear, worry, anger, and resentment. Negative emotions along with thoughts and beliefs that lead to poor health push them to focus on what doesn’t work. It’s the other way for the visionaries or people with abundant mindset. They concentrate on what works for them and build their existing strength on that.

  1. Proactive vs. Reactive

The positive disposition coming from an abundant mindset enable them to be pro-active in life. They plan for the future and layout long-term strategies. They are also advocates of learning and growth. They have a thirst for knowledge and expanding their skills. Reactive people, as well as those who pronounce the end of their learning, severely limit their capacity because of their scarcity mindset.

An abundance mindset believes in the plenty and available resources, love, opportunities, relationships and wealth. They claim ownership over the things they want in life and declare the can afford it. Those who aren’t equipped with the same mentality believe they cannot accommodate what life has to offer.

Setting a mentality comes from the words you feed yourself daily. When you fill your cup with positive and empowering affirmations, you assure your being and prove you are no less than what you expect yourself to be.

Smart Investments: Guide Questions to Help You Save More This Year

What are your goals for the year?

Is it learning a new language, getting on a cruise or visiting a new city? Do you want to become financially stable this year? Whatever you wish to do is possible when you have the right tools and mindset.

If you want to end up more affluent than last year, you need to become determined and ready to take on the challenge. Money matters isn’t a walk in the park. It can be a struggle especially when opportunities are scarce. You may be settled with your house and lot in a beautiful place like Vermosa, but your bank accounts amount to zero.

You can use these guide questions to figure out how to have more cash-ins this year.

1. Are there any remaining fees to pay?


Whether you’re settled in a rental or in a property you own, there are always costs associated with it. It may come from monthly dues from your condo’s amenities, homeowners’ membership fee, parking space charges and other expenses related to maintaining your area. Annual taxes like those from your income property can accumulate if you don’t deal with them as soon as you can.

The fees may also come from repairs or renovations you had the past years. You may have unfulfilled duties from a large purchase or loan. Taking note of all these money outflows give you a vision of the liabilities you’ve accumulated.

2. Does the house budget cover the monthly fees?


Organized people and those who are veterans on home budgets are aware of the power of maintaining a budget. Some households have a separate budget for their home expenses, like repairs and purchases, and daily sustenance, such as food, clothing, and entertainment.

You can avoid overspending or run a negative balance when you keep your monthly fees within your budget. Utility bills, regular check-ups, and stocking up on food supplies are all examples of monthly payments. Managing your expense levels within your means is a way of having a few bucks left for other things.

3. Which mode of transportation is the most applicable?


The mode of transportation that will help you save highly depends on you and your family’s lifestyle. If you have a car, you can drive the children to school and pick them up afterward, especially if their schedules match. If not, it’s better to let them take the school bus. It saves you money for gas and reduces your carbon footprint.

At the same time consider your workplace. Is it much better to drive to work or take the daily commute? When the price of oil adjusts, vehicle owners can feel it’s immediate effects as petroleum prices go up. Meanwhile, fares take a long time to change as they are subject to review by government agencies and regulatory boards.

If you really want to lessen your cash outflow, use a bike. Biking to work and other places you wish to visit is a way to save the Earth and your wallet.

4. Is there enough money left for travel?


If you like to travel or wish to go on a trip this year, you need to ask yourself if the amount left is enough to cover travel expenses. Though traveling is now affordable thanks to various promos and discount packages, you still need to have some left for dining and touring.

You can postpone this year’s travel to next year if venturing out is not possible. It’s much better to delay a flight than accumulate debts from credit card interest rates.

5. Is there a budget for impulse purchases?


Controlling yourself from spending throughout the year requires a reward. You can go shopping once in a while as long as you’re sure to set a budget for impulse buys.

You can set your budget for impulsive purchases the same way you set one for home expenses. However, it should not amount the same as those you spend on food and other necessities. Most of all, make impulse buys a limited occasion so as not to spoil the moment.

These five questions are just a guide to help you get a view of your current situation. The real work starts when you learn to embrace the things you have to work on regarding for financial health. You always get the help of a professional money manager to get you started on real investing.

Not Quite An Adult: Foolproofing Your New Year’s Resolution

new year, new year resolutions, calendar, 2018

Conversations after the New Year always involve one thing – NY resolutions. It’s almost a requirement, especially if you’re an adult. It comes during the coffee break and lunchroom chatters. It even comes up when you’re just strolling the grounds of UP Ayala Technohub.

Whether or not you have one, its always a feat to make them a reality. Only a fraction of the adult population worldwide accomplishes what they wish for during the beginning of the year. Fortunately, there’s a way to make your dream work for you.

1. Aim for the thoughts that bother you.

If you still don’t have a resolution, you still have time to think it through. It’s easy to get swayed by other people’s decisions and opinions. A lot of people want to lose weight, overcome a fear, or take their career to the next level. Those ideas are fine and valid. Unfortunately, they aren’t for you. They are for the people who want to tick those items off their lists.

The best resolutions are those that bother your subconscious. It can be as simple as a doctor’s appointment or a significant change, like moving to your dream city. It doesn’t matter how trivial and silly it may sound to others as long as it’s what has been resonating in your head.

Making your resolution about the things that bother you most helps you conquer yourself. Moreover, it enables you to make peace with your mind and body as it becomes a way for you to accept who you are – shortcomings and whatnot.

2. Change the resolution to actions.

Once you’ve figured out the thing you want to change or improve, slowly work towards it. Digest the golden piece of information you found out about yourself. Hold it dearly, but not too much. The goal is to let go or improve your current situation. It will overwhelm you but fret not.

You can conquer your goal by turning them into actions. Think of it as an action. Translate the nouns and adjectives to action words. If you want to achieve a summer body, think of all the things you can do that helps get closer to it. List down the factors that can and will work against your vision. When you identify the roadblocks in your path, you can come up with solutions and activities that align with your end goal.

If you eat a balanced meal but lack physical activity, then lack of movement is what deters you from being fit. Try not to force yourself to find out all the actions you need to do. Take each day as an opportunity to try out which one work and those that don’t.

3. Chunk it.

Once you have the vision and a list of activities to undertake, then you’ve accomplished half the job. However, the real work starts after the first month or first quarter of the year when a bunch of other things comes in your life. There will be instance and opportunities that will be against your vision. At times, it will make you forget the path you chose.

To stay on track, you must turn the vision into doable pieces. If you have a sedentary profession, why not spend an hour walking or jogging? Invite a friend or bring your dog. Explore an unfamiliar town or city on weekends. If you tend to dine out or order takeouts, why not master your favorite dish? Learning to cook gives you a new life skill. It may also ignite a passion you never knew you had.

These are examples of how to transform your goal into everyday actions. Doing this integrates your vision into your daily life. Most of all, it tricks your brain to think that it’s simple and easy. The next time you have a goal, it won’t be as difficult as it looks.

4. Allow the actions to come naturally.

When you chuck the items into manageable pieces, the tasks become effortless. They won’t appear as grand items. They won’t come off as a one-way ticket to your dreams. Overcoming a difficulty is hard work. It’s something you learn when you remind yourself the things you have to do to make your vision a reality.

Check yourself once in a while. When making a decision, especially something close to your goal, choose the one that positively affects it. Always go for the things with positive impact. If you have to go against your dream, you need to forgive yourself and try again.


Home Management: Four Things that Make Your Homes Look Cheap


“Home is where love resides, memories are created, friends and family belong and laughter never ends.” –Author Unknown


There is nothing wrong with being considered cheap. After all, not all of us want the finer things in life and would prefer something simplistic and straightforward.

Unfortunately, not all simple things are cheap and you definitely cannot equate simplicity with being cheap. Furthermore, just because you prefer things to be cheap, your homes should not be. However, as with any home decorating endeavor, you are often constrained to a limited budget. In this regard, it can be rather hard to pick out fabulous looking pieces and decors that would look great in your homes. Let us face it: Far too often, we pick out design options and make compromises with our choices because our budget cannot accommodate the luxe items we really want. These items do nothing to enhance a home and would only detract visitors from your home’s true aesthetic and potential. In any case, your homes need not be a treasure trove for all things cheap and gimmicky—regardless of the kind of budget you have. However, you do need to keep in mind that the goal in decorating a home is to add more value to a space and this does not necessarily have to set you back by a lot just to accomplish. If you have been looking to improve your spaces in Verdana or elsewhere, here are some things you should avoid doing:

Mass production art

While art is generally considered as a touch of sophistication in a space, you cannot apply it as liberally as you please. In fact, there are only a few things that can cheapen a space more quickly than art overwhelming space—particularly if said art is mass produced. You may be under the impression that just because it is a reproduction piece from a well-known and revered artist such as Van Gogh or Picasso, it will automatically add elegance to the space. However, this is not always the case. It does not add originality to the space and would only make a room look generic as these art pieces are sold in bundles. Ditch them and look for a singular statement piece that is within your budget range.

Furniture sets

If you want your homes to look like makeshift hotels, then by all means invest in furniture that come in sets. But if you want your homes to have a streak of originality, it is best to go for furniture that are sold only by piece. Sure, purchasing an entire bedroom might sound like a sound idea but they lack quality and would rarely work well in a space where it was supposed to be intended for. Instead, try mixing and matching styles, fabrics, and woods to creatively come up with a fantastic looking space.

Navajo White

White is such a plain color and too much of it can instantly give your homes that dull and boring ambiance. If you want something a little different (and a little less dated and overused), try something that is not so generic. It has been used and overused over the past two decades that a home in all stark white does not inspire creativity and originality anymore. In fact, it greatly cheapens a space. Let it go and choose a color that does not make your home look like everyone else’s.

Cutesy décor

To many, bunny figurines, owl clocks, sailboat wall brackets and other similar gimmicky items would make as excellent home accents and decors. But unless you are running a gift shop business or are running a museum of yesteryear’s trends, these things do not belong in your home. If anything, these items should only be seen a little girl’s room (or in your grandmother’s house) but never in the living area. If you wish your homes to look fresh, keep away from décor such as these.

Image Source