• Work/Money Diaries

    10 More Ways to Save Money

    January 22, 2020
    You must learn to save first and spend afterwards. – John Poole

    If I am going to write down all my expenses, below are what I spend lavishly for a month. I splurge on things I do not really need. I am such a huge spender. I need to cut down these expenses and grow my bank balance again. It is probably a lot of money if I had to add it up. The main reason why I do not have any savings is because my expenses and my debts are piled up. And for the next few months, I have/need to think about my credit card and hide it deep down before I have settled all my debts.

    I  have been thinking about this over and over. I had to cut those extra expenses and start saving for my future. Cutting my daily expenses to a simpler life will make it possible for me to save a lot of money without finding an additional source of income. For the sake of saving, I need to make small sacrifices.

    Break Off my Caffeine Fix

    I love love coffee. Who doesn’t love coffee? And it is now time to say goodbye to fancy coffee at Starbucks or Coffee Project and say hello to Great Taste White Caramel. Giving up isn’t that easy especially for a coffee addict like me. But cutting back on expensive coffee will make substantial savings.

     Money I Can Save – Php 150/day; Php 1,200/month 

    Cook/Pack my Own Breakfast, Lunch and Dinner

    Bringing my own lunch and also dinner to work will save a couple of bucks. I don’t need to worry about health and sanitation issues anymore.

     Money I Can Save – Php 120/meal; Php 240/day; Php 5,760/month 

    Cut down Massages/Spa

    I can’t give up on this completely. For a very stressful week, pampering myself is the only thing left. There are still ways to look good, but with a smaller budget.

     Money I Can Save – Php 500 – 1,000/month 

    Stay Home More Every Weekend

    Staying at home can save up. I spend too much on things I don’t need and end up still buying when I go out. Getting together with friends and family at home can save money. Enjoy the benefits of staying at home ; staying in is more fun.

     Money I Can Save – Php 1,000/weekends 

    Save Money on Movie Watching

    My sister and I love watching movies in theaters. A movie costs us Php 200-400 each depending on the cinema/theater. That’s a lot of money.

     Money I Can Save – Php 800/weekends 

    Sell Stuffs

    I have a full of unused, unneeded, forgotten stuffs in my closet /storage. I am thinking of selling instead of keeping to make use of it.

     Money I Can Earn – Php 5,000/year 

    Clean out my Credit

    I am working on paying off our debt. Interest has already summed up a large part. Before, I disciplined myself to pay full each month. Since, we put all our expenses on it and exceeded our monthly budget, it incurred large amount of money.

     Money I Can Save – Php 1,600/month 

    Save Automatically

    A certain amount of money or percentage of my paycheck must be deposited in my savings account.

     Money I Can Save – 20% of paycheck/cut-off 

    If you want to save even more money, sacrifice little changes. Hopefully, I can stick to this to save up money. By the end of the year, I have a huge amount of money in my savings. Just embrace the idea of budgeting and it is going to be simple.

    The more I can save, the more adventures I can have the sooner.

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  • Life Lately

    About Me

    January 8, 2020

    I have a hard time introducing myself. I do not know why words and phrases do not fall out of my head and onto my screen. Maybe because I am afraid to admit that I am nobody or shy to discover something about myself. I know I am sometimes shy and timid. This is how I often describe myself.

    I stalked the “About me” pages of bloggers I know. And I began to think about what to write in mine. After a few revisions, I have come up with the typical one, Hey there.

    Hey there! I am Nikka Shem. I am a graduate of Electronics and Communications Engineering from Bagabag, Nueva Vizcaya, currently employed as a System and Application Engineer. Work has kept me busy nowadays, but I see that I spend a lot more time traveling and staying in touch with my friends and family. I am a Monday hater but a weekend and holiday lover.

    About My Blog

    I started blogging in 2003. Unfortunately, when I moved to the city, I stopped. I cannot find time for my blogging. But writing my daily activity is my passion. It has gone through many incarnations and remained there for a long time.

    NikkaShem.com is a room for my thoughts, my opinions, my experiences, my travels, and my life.

    This blog is my outlet – a distraction from the real world. I hope to contribute information through my misadventures and adventures, my wanderings, and my stories.

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  • Life Lately

    My 2020 Goals

    January 1, 2020

    Every single year, I always have the same goal- to make this year better than the last. Year after year, I start to think of the changes, start to look back and see how far I have come.

    Here is my goal for the new year.

    Take Control of Money

    When it comes to money, you know me. Despite the best efforts I have made to pay off debts, I have accumulated more. I am slowly taking one step at a time, tracking and planning everything to get in order again. Getting debt under control is stressful, but it is going to be worth it in the end.

    Get Fit and be Healthier

    Losing weight is never an easy task to do. I made it almost 55kg once, but it bounced back a couple of years later. Being healthy is good enough for this year than to lose weight.

    Tackle Time Management

    I cannot deny the fact that I am always late on my deadlines. It is my worst trait. I wanted to improve my performance at work, get all the work done ahead of schedule without overwhelming myself.

    Write More

    My blog has taken a bit of a backseat. I have no more excuses since I got myself a laptop and a reliable internet connection. It is just time to sit down and put my thoughts into words.

    Work on Becoming a Morning Person

    I am not a morning person. I hate to wake up on the alarm. My goal here is to wake up early enough to get into workouts before work.

    We cannot always do things that we enjoy. I love to travel and to shop. As much as I want, engaging in these activities makes me spend what I do not have. Instead, engage in activities that seem to fuel people’s minds.

    There are lot of things I have been trying to do in the past years that I have not done. I am going to make time this year and get over one by one.

    Cut out soda

    I am planning to cut it entirely for 2020. This may be simple, but I drink a lot.

    Life is an exciting ride, celebrate little successes, and get back on track when you stumble.

    What are your goals this 2020?

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  • Random

    {Adulting} How to Not Waste Your 13th-Month Pay

    December 20, 2019

    As the Christmas season kicks off, there’s nothing more exciting than receiving my 13th-month pay. In the past, I looked forward to this extra income as an opportunity to indulge myself, splurging on gadgets and gifts for loved ones. However, recent financial struggles have prompted me to reassess how I use this bonus.

    Am I using my pay wisely? The wisest approach is to view the 13th-month pay as an opportunity rather than mere spending money. While generosity is admirable, it’s crucial to prioritize my own financial security first. This year, the best gift I can give myself is peace of mind by planning for the future.

    Before fully committing to spending, it’s essential to:

    1. Plan how to use it: Allocate clear percentages for savings, debt payments, investments, and leisure. Prioritize saving at least 20% and allocating 50% to debt repayment.
    2. Pay off debts: High-interest rates can quickly accumulate, hindering financial freedom. Use this opportunity to reduce debt and alleviate future financial burdens.
    3. Save for the future: If unsure how to allocate funds, consider setting up a savings account for now and deciding on investment options later.
    4. Spend according to priority: Make well-thought-out decisions about where to allocate funds, focusing on essential needs rather than indulgences.

    Ultimately, it’s essential to put money where it will serve me best in the long run. By carefully considering my financial decisions and prioritizing saving and investing, I can build a more secure future.

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  • Random

    NikkaShem.com Version 2.0

    December 17, 2019

    The day I decided to dive back into blogging was the day I longed to reconnect with the essence of why I started blogging in the first place. Back in the early days, blogging was a bit like having your own personal diary – a space where you could pour out your thoughts and feelings without fear of judgment. And as someone who adores writing about anything and everything under the sun, it felt like coming home.

    I’m making a comeback because I miss those old days of blogging – the simplicity, the freedom, the joy of sharing snippets of my life with the world.

    It’s been a while since my last post, and I even considered leaving this site altogether due to the hefty renewal costs. But then, a spark of determination ignited within me. I reminded myself of my love for writing and my desire to share my thoughts with others. So, I set out on a mission to find a free or extremely affordable deal on a domain and hosting.

    Today, I made the leap and transferred to Hostinger, snagging an incredible deal for the next four years. Talk about perfect timing! Four more years of having my little corner of the internet – I couldn’t bear to part with the memories and experiences I’ve shared here over the years. This is my home, and I’m here to stay for the foreseeable future.

    Welcome to NikkaShem.com Version 2.0!

    Yes, I’ve been away for too long, and for that, I apologize. By the way, I’ve cleared out all my old, lackluster blog entries – it’s time for a fresh start. It feels like I’m embarking on a blogging journey all over again, and I must admit, it’s both exhilarating and a tad intimidating, just like the old days.

    So why am I diving back into blogging with my head held high?

    Firstly, work has been exhausting lately. The stress has been taking its toll on my health, but blogging has always been my sanctuary – a place where I can unwind, express myself, and let my creativity flow freely. It’s my stress-reliever, my escape, my playground of words and ideas.

    Secondly, I’m feeling inspired again. For a while, I struggled to find topics that truly ignited my passion and sparked my enthusiasm. But now, I’m ready to dive back in and share my thoughts with the world once more.

    And lastly, I want to hone my writing skills. They say practice makes perfect, right? Blogging is the perfect platform for me to sharpen my English writing skills, learn new vocabulary, grammar rules, and spelling, all while expressing myself and connecting with others.

    So, here’s to a new chapter in my blogging journey – a chapter filled with passion, inspiration, and growth. Stay tuned for more updates, and don’t forget to hit that notification button. I may not promise regular updates, but I’ll certainly do my best to share my thoughts with you from time to time.

    After years of on-again, off-again love affairs with blogging, I’m finally here to stay. See you around!

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  • Life Lately,  Random

    Things I Miss About Working at Pagecom

    April 1, 2019

    One day, I caught myself smiling. Out of the blue, I realized something was missing. A part of me was missing. I miss hanging out and working with fun and bubbly people. I miss talking about non-sense stories. It has been ten years since I left, but the memories remain. I miss you guys!

    There are still many things I miss about working at Pagecom, but I narrowed it down to ten.

    Breakfast, Lunch, Snacks, and Dinner

    You name it. I got to enjoy my work because of food. Kuya (I can not remember his name) cooked and served the best food. My favorites were Pork Sinigang and Sinampalukang Manok, to name a few. Aside from that, management loved to order pizza.

    Hard work should be rewarded with good food-Ken Follett.

    Long Birthday Celebrations

    I am not exaggerating it. Seriously, we celebrated my birthday for about a month, though we took turns buying ice cream and snacks. We celebrated Herlene’s for a month, too.

    Training Center

    The Documentation Team was housed in the Training Center, a kilometer away from the office. I do not know why we moved there. We were suddenly instructed to pack our things. And TADA, to our haven. More quiet time for the Documentation Team.

    Show me the money

    Angela choreographed our dance number for our Christmas Party presentation. In two weeks of practice, I learned more about my colleagues: our differences, strengths, and weaknesses. Unfortunately, I was not able to perform that day because we had to attend a meeting outside the office.

    Staying Late

    The longest time I worked was 72 hours, with only 4 hours of sleep. Work was stressful in those days. There is no time for social life and love life. Hello there, eye bags and pimples.

    Work Load

    Our team had to finish around 63 projects in 3 days. I can not imagine how we (Leanne, Herlene, and I) managed our time. Can you imagine how overworked we were?

    Photoshoots, Picture Taking

    When the bosses were away, even when the bosses weren’t away.

    Site Visits

    Going out of town is really fun with these people. Photo ops before heading to the site.

    Super Bubbly and energetic staff

    I got to enjoy work because of the people around me… my co-workers Sir Jo, Sir Beddie, Reyner, Leanne, Herlene, Menerissa, Maricar, Kaizel, to name a few. Without them around, I would not have lasted about a year. I was blessed with excellent and trustworthy colleagues.

    Out of Office Bonding

    This is what I really miss. Even if we have hectic schedules and lots of workloads in the office, we never fail to miss Friday and Saturday after work. Up to now, we have found time to see each other once in a while. Right, Herlene and Leanne?

    So what do you (or would you) miss most about working at your previous company?

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