A while back, I listened to Dave Ramsey, a financial radio talk show host in the US. He's got some sound steps on how to reach financial freedom, and one of which is to cut off one's dependency on a credit card. Unfortunately, that's one thing that I can't let go - my cards. But not for the reasons that you may think (ie shopping incessantly). :)
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Does it work that way? We've all heard the saying about the calmness of the sea before a huge storm, but does it go the other way too - that before a certain time of calmness, there's a storm? Sunshine after the rain? :D

Photo taken in Pangasinan

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Intentions rather than Resolutions ( Read more... )

As I said last night, the 2010 roundup in pictures will be posted today. I wanted to do it last night but since I had to leave early (spent NYE at my friend's place) to avoid all those firecrackers, I had no choice but to leave it to today ( Read more... )

And so we're down to the last few hours of 2010.

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It's December and I decided that I wanted to have one last run - for the month, and for the year. The last run I joined was the Run United (Unilab 2) last November 21 but I didn't care that it was only 2 weeks ago. A week after the Unilab Run, I was in Fort and sort-of spontaneously decided to join the ING 20 run. It was also the only run with no ( Read more... )

Well, hello there, LJ. I've missed you ( Read more... )

...Yet another continuation of the Bicol Adventure Parts One and Two. This one’s a bit long but I don’t want to have a Part 4 anymore so here goes. :)

4. ATV rideNow this is something I’m really proud of (along with the next item). Of all the people I know who’ve gone to Bicol in the recent months, I’ve only heard them yapping about going to CWC ( Read more... )

...Continuation of the last post (Bicol Adventure Part 1). :)

2. Cagsawa RuinsDo you still remember our history/geography books when we were in grade school? Whenever a picture of Mayon Volcano is shown or drawn, there’s always this tower that’s included. That’s where we were on a bleary Saturday morning. We left my friend’s house at the ungodly ( Read more... )

There was a miscommunication somewhere between end of April (when we booked our trip) and the time when we were in Bicol. Truth be told, I was expecting a laid-back trip - you know, where I won’t have to exert any huge amount of energy. As it turns out, what happened was the exact opposite. And we realized that there are a LOT of things that we ( Read more... )