Good Credit Standing

Hubby and I maintain our own credit cards and each one of us have our own loans. We make it a point that we pay on or before our due dates so that we'll maintain a good credit standing. As much as we want to eliminate the use of credit cards or loan availment, it has become inevitable nowadays. Credit cards are very convenient and safe as I may say compare to carrying cash all the times. Various types of loans on the other hand are very tempting specially with the low interest rates and flexible payment terms. But what if one has a bad credit standing?

I have a former officemate who was indebted that time with various banks and credit card companies. She had personal loans to family and friends as well. It was a turning point for her when she decided to quit her current job and start life anew abroad. Luckily, she was able to find a good paying job in a multinational company in the US. She was able to save money to pay her outstanding loans here and was able to invest in properties. Late last year, she was trying to avail an auto loan in one of our local banks but her loan was not approved. It was due to her bad credit loans and bad credit credit cards.

How can someone like her start anew and build a good credit standing once again? I came across this site badcreditoffers.com which aims to help lenders with bad credit history avail of the best possible credit offers that will suit one's needs and capacity to pay. I hope my friend does improve her credit standing. Anyway, she's more than capable to pay whatever loan she will avail. I'm sure she has learned it the hard way so she deserves a second chance.

Blog Awards

Got this from Jody. Thanks a lot, friend!

I'm passing this on to Erica, Irmee, Juliet, Marie and Tricia.

More about ME . . .

Got this tag from TET. Thanks, sis!

I AM... soft spoken, independent and a strong willed woman
I WANT... a new PC or laptop at home
I HAVE… a loving and wonderful family
I WISH… I have more time to be with the kids on weekdays
I HATE… overtimes on weekdays
I FEAR… death of my loved ones
I SEARCH… for budget airfares in the web ( he he he )
I WONDER… when will I be able to submit our application for Canadian immigration
I LOVE… travelling with the family
I ALWAYS… wish for everybody's welfare
I AM NOT… good in hiding my feelings
I DANCE… whenever JM and Kaila would ask me to dance with them
I SING… when I'm happy
I CRY… when the kids are not well
I WRITE…when I have time to blog
I WON… a cellular phone in our company bidding but the unit was defective I
AM CONFUSED…whether to buy a PC or laptop
I SHOULD…be more focused on our plans and have more concrete action plans
THE LAST THOUGHT I GO TO SLEEP WITH IS… the events for the day and I thank the Lord for all the blessings that He's been continuously showering my family

Now I'm tagging Addie, Anna, Apple, April and Autumn.

Another lazy Monday . . .

It's another lazy Monday! It was not a long weekend though but still I'm not in the mood for work. It's going to be a busy week for sure since it's our month-end close once again and forecast submission next week. Next week will be hectic as well since Monday is a holiday and Friday is our Finance outing. So, it's going to be 3 day workweek next week. Need to squeeze in the workload on those three days.

Hay, what's up with me over the weekend? Well, Kaila has not fully recovered yet from her tonsilitis and she has cough and cold now. JM also had a high fever over the weekend and he has cough and cold as well. Maybe it's due to the super hot weather. Hubby and I were thinking of buying another aircon since the aircon in our bedroom might be overused if the kids will use it during the day. Well, lets just see if the kids will be able to cope up with the weather.

Last Saturday, we were in my parents house in Canlubang to celebrate the birthday of my lola and my BIL. We were there just in time for lunch. It was only my Uncle and his wife from Pasig who were there. My other Uncle from Las Piñas only arrived way past 1pm already. A cousin of my mom from Cavite also arrived. There were other kids in the house so Kai, JM and Wacks enjoyed the day since they have new playmates for the day.

Lola was so happy to see many of his relatives. Everybody would be laughing everytime Lola would give her comments on something. It was a game if she would recognize who is she talking to. For some she still recognize them but for a few she didn't recognize already. Of course the highlight of the day was the candle blowing. They were teasing her to make her wish for long life. My other uncle jokingly told her that's she's overstaying already so no need to wish for long life. Well, 89 years old is such a long journey already. And we are anticipating that she still has a long way to go since she's healthy for her age except for her hearing. More birthdays to come Lola!

I forgot to bring the camera today so I'll be posting the pictures on the next few days.

Linky Love Tag

I was tagged by Juliet. Thanks, sis!

Cut and paste the following starting here. I have randomly selected 5 of you below to be tagged and I hope that you will similarly publish this post in your blog. You will have to tag 5 other bloggers and just keep adding on to the list. (Do not replace, just keep on adding! Yes we hope it will be a long list!) It’s real easy! Tag others and see your Technorati Authority increase exponentially! The benefits of Viral Linking:- One of the fastest ways to see your technorati authority explode!- Increase your Google PageRank fast- Attract large volume of new traffic to your site- Build your community- Make new friends!

The Strategist Notebook, Link Addiction, Ardour of the Heart, When Life Becomes a Book, The Malaysian Life, Yogatta.com, What goes under the sun,Roshidan’s Cyber Station, Sasha says, Arts of Physics, And the legend lives, My View, My Life, A Simple Life, Juliana RW, The Callalily Space, Petra Summer in Blue, Confessions of an Army Wife Bless’ Sanctuary Happy Life, http://bless519.bravejournal.com/, La Place de Cherie, Chez Francine, Le bric a brac de Cherie, Little Peanut, Pea in a Pod, The Creative In Me, Me and Mine, Pinay Mommy, Expressions from the Heart, TeacherJulie, Sweetbites by Bang, Paul, Toni and Lance - Bridging the Distance, Our Growing Family, The Uncensored life of me, My Untamed World, Something Purple, A Detour, Something Purple, Wifespeaks , Mrs. Working Girl, Juls Random Thoughts , Nol's A Wonderful Journey to Life.

Now I'm tagging Earvin, Eds, Emz, Erica, Gwen, Irmee and Issa.

Travel plans

Since we got back from our Hong Kong trip, hubby would always open the discussion of our plans of going back to Hong Kong. He really enjoyed the trip that he can't wait for our next trip. We're planning of going back there same time of the year next year or maybe December next year so that it'll be a different season but will still be cool as our recent trip. The weather was a major factor why hubby would really like to go back in HK.

Yesterday, both hubby and I were on leave since we had to bring Kaila to the doctor. In the afternoon, while having our afternoon nap I took out our maps, guides, programs and other stuffs from Hong Kong. Believe it or not, we're already discussing our itinerary for the next trip. We were laughing out sometimes because there were some areas which we think we could have just walked but we're riding the MTR all the time.

Hopefully we can find a cheap flight like the P888 promo of Cebu Pacific but the Piso fare promo is much better. That would give us a lot of savings that can be used for shopping instead. For hotel bookings and other possible packages, I came across the site lowfares.com. With this site, every travel needs can be booked online that makes travel planning very easy and efficient.

Kaila is sick . . .

I was on leave yesterday because I had to bring Kaila to the doctor. She's running a high fever since Tuesday night. We only had two culprits in mind - either tonsilitis or UTI. But of course there's still the possibility of dengue, typhoid and other illnesses. Good thing that it's tonsilitis. The pedia prescribed an antibiotic to be taken for a week. I hope Kaila gets better because we'll be going to my parents house tomorrow to celebrate the 89th bday of my grandmother and my BIL's birthday as well.