Sunday, April 16, 2017

How We Budget With One Income Only And Still Managed to Save Up

In this blog post, I will share with you how we budget with one income only and still managed to save up.
A little disclaimer-You may think that this is such a random post since I started with beauty reviews. But as I have mentioned in my intro, My blog is going to be all about beauty, fashion, and lifestyle. So I think this is still appropriate.

We live in the Philippines and a family who lives with only one income is very common here. Now I know how hard it is to make ends meet when only the husband or the wife is earning money for the whole family. Trust me, I've been there and it's not fun when you have no clue what you're doing. We started a family at the age of 18. We're not ready and we don't have a clue about parenting and earning money. We've been so broke and we had to rely on our parents for money and food and even for our son's school fees. It's not easy and it's embarrassing to have to ask for money from our parent's when we are already adults and are capable of making money for ourselves. Even more so, asking for their help to provide for our child. I know a lot of people can relate to this.

My husband and I struggled at first when it comes to stretching every single penny he earned. Since we did not take any course in parenting at a young age, nor earning money and budgeting(as if they exists), We often just buy the stuff we thought we needed not thinking of the future whatsoever. "One-day millionaires" is what we're called. We spend out all his salary in less than a week and then the rest of the month, we're literally broke. Thanks to our parents, we can still eat. Until we grew tired of that kind of lifestyle and realized that it's not a good habit and our son won't have a good future if we keep doing that. We matured basically.

So I started watching videos and reading blog posts about budgeting and saving money. I learned a lot of stuff from different people and suggested to my husband that we try them out. Now, we have created our own style of managing my husband's income and it's been working for us for almost 2 years now. So, I decided to share it with you.

TIP #1 - The first and most important thing to remember is to make sure you know the difference between Wants and Needs. Think carefully if something is really a necessity or not. Make a list with two columns. Needs and Wants. List everything your family absolutely needs such as food, electricity, shelter, daily expenses and savings. Categorize them. Here's an example of a categorized list that a family needs.

TIP #2 - Assign an envelope for each category. This will organize all your money to where they need to go and can avoid you from spending them somewhere else.
*Grocery (Food and water, etc.)
*Bills(electricity bill, phone bill, cable and internet bill, etc.)
*Budget(Daily expenses such as Husbands transportation to work, husbands lunch and snack at work, etc.)
*Savings(Whatever is left from the salary after)

Grocery. List down all the essentials. From food, toiletries, and important stuff. Make sure this list has just the bare essentials in it. It's very important that you list down their corresponding prices as well. This way, you already know exactly how much you need to bring to the grocery store and avoid buying any unnecessary things and overspending.

Bills. List down the bills you need to pay for the month. Assign an envelope for each bill and put the exact amount inside each envelope. (I use an accordion type organizer for this. But an envelope would be fine.)

Budget. Calculate the daily expenses of each family member and multiply it by how many days are left until the next payday. This will ensure that your daily expenses will be covered 'till the next paycheck comes. Provided that you stick to your daily budget religiously. Self-discipline is key.

Savings. This doesn't really need an explanation. But whatever is left from your money after all the expenses are covered. You keep it in the "Savings" envelope and deposit it in your bank account once it has accumulated. What I do is, categorize my savings as well. Because, We're saving up for a lot of things, right? For school, for the things we want to buy, for vacations and for fast food, really. So I list down the things I'm saving up for and divide the extra money into each one of them. Making sure that I dedicate the most amount of savings into the most important thing.

 TIP #3 - Stick to your budget. When you're going grocery shopping, just bring the exact amount with you, Again, to avoid overspending.

TIP #4 - Here's where we're going to talk about the "Wants". You may be thinking, "How will my family enjoy going to the mall, watching movies, shopping and going on trips?" Well, That my friend is why we are saving our extra money. Also, if we have leftover money from our daily budget. We save those for the things we want to buy. It is very important that you learn to save every last extra money you can. You will thank yourself in the future.

I think that basically covers everything I have to share with you. I'm not saying that these tips are the best out there. I'm just sharing them with you for the reason that it has been working for us for quite a while now and it might work for you as well.

I made this printable that I used for budgeting our money and I will share it with you for free.

Let me know in the comments section below if you have any other tips that you can share with us. And also let me know if you've tried my budgeting tips and how it worked out for you.

Thank you so much for taking your time to read this.
God bless
- Ciel

Thursday, March 16, 2017

Zoeva Dupe Brush Set Review

Beauty is an investment. We tend to spend a lot of time and money on products that can make us more beautiful. But it doesn't always have to be expensive. There are a lot of options out there. Products and tools that are budget friendly but can still do the job well enough do exist.

Take this set of brushes for example. It is said that this set is a perfect dupe for the famous and expensive Zoeva brush set. Many have tried it and agreed. I am one of them. This is indeed the more affordable version and it works the same. At only 250 Pesos, You will get the same effect. The bristles are nice and soft, No shedding at all, the handle is very sturdy and the overall look of it is classy. Definitely, a set that you would want to display out on your vanity table.

Price: 250
Content: 8 pcs (5 pcs Eye brush and 3 Pcs Face brush)
Where to buy: Bought mine from GirlsCorner on facebook


- Very affordable
- Does not shed
- Soft bristles
- Sturdy handle
- Blends makeup products very well
- Does not look cheap


- I honestly can't think of any. ^_^

Thank you so much for dropping by and feel free to comment and follow.

Wednesday, February 22, 2017

Spider Puff Cleanser Review and Demo

For those of us who love makeup and enjoy putting it on, It is very important that we remove it as well. As much as it can make us look beautiful and make us feel confident, It can also do a lot of damage to our skin. Cosmetic products have some ingredients that are very harmful when you leave it on your skin for a very long time, Not to mention all the dirt and pollution that we encounter on a day to day basis. That's why we should cleanse our face and let our skin breathe regularly.

The Spider Puff Cleanser not only thoroughly cleanses your face, it also removes makeup, exfoliates and moisturizes your skin with its "spider web" type puff. 

It has all natural ingredients that take care of your skin. It's really an all in one product that is convenient and travel-friendly. (This photo is from their website)

It is very easy to use and can remove makeup that is rather hard to remove with just a normal cleanser. 

 Here are some of the makeup products that I find hard to remove with my regular cleanser. Heads up: The toughest one to remove is the Matte in Detail lippy.

To use, massage the sponge gently on your skin.

The final result. As you can see, the Spider Puff Cleanser removed most of the makeup that again, is hard to remove. But, nobody's perfect and such can be said to skincare products as well. A tiny bit of the lippy still remains. But we can't deny how it removed the most amount of product.

I really like this product. It has a lot of skin benefits and it does everything that usually three products do for me. The puff itself is so soft and it feels so good on the skin. It also has a nice scent to it that is not overwhelming and not bothersome. Although it only has 65mL of product, you can still use it for a long time because a small amount is enough to cleanse the whole face.

Price: Php1299
Content: 65mL
Where to buy:


- All in one product
- convenient and easy to use
- travel-friendly
- effectively cleanses the face
- Removes makeup and dirt
- Not drying
- Smells nice
- Very useful puff cleanser (Can be replaced)
- Uses naturally extracted ingredients


- A little expensive (But worth it)
- Not widely available

That is all folks. :) Thank you so much for dropping by and feel free to comment and follow.

Thursday, February 9, 2017

Ellella Ginseng Therapy Deep Cleansing Foam Review

It's my first time to try a product that has ginseng in it. I read and heard a lot of good things that ginseng can do, Not only for your health but also for your skin. Since I am going to talk about a skin care product, We will only focus on the skin benefits. To share some, Ginseng has anti-aging properties and it helps in toning and brightening the skin.

Here's an introduction to the product that I'm going to feature.

Elella Ginseng Therapy Deep Cleansing Foam is basically a facial foam that delicately cleans out pores and makeup residue on your face. It gently exfoliates dead skin cells to make your skin glowing and soft to touch. The ginseng extract moisturizes dry skin and provides nutrition to keep it healthy and beautiful.

Elella products were recognized last September 24, 2016, for its unique formulation and received the Seal of Excellence Award 2016 and Most Innovative Skincare Formulation by the Asian Achiever Award 2016.

Now, Talking about my experience with using this product. I can say that this is unlike any other product that I've tried. From the first use, I immediately felt the exfoliation. I am not trying to sound like an infomercial here, But it is really amazing. My face feels softer and cleaner in just one use. 

And then there's also the feeling of skin tightening after use. I'm pretty sure that the anti-aging properties that the ginseng provides are taking effect.

To sum it up, I will list the Pros and Cons of this product and some basic details as well.

Price: Php420
Content: 150mL
Where to buy: or 2nd level at Fishermall in Quezon City


-  It is true to its claims

- You can definitely feel immediate results

- Not drying for the skin

- Has tightening effect 

- Cleans your face very well

- It really exfoliates and removes dead skin cells

- Can be used day and night

- You get a decent amount of product in one tube

- It has micro beads that help in scrubbing the face


- It smells organic (Not bad smelling, though. It's fine but I'm not a fan)

- Not widely available 

- Paraben is included in the ingredients.

That's about it for my review of the Elella Ginseng Therapy Deep Cleansing Foam. I hope this was helpful and informative enough. If you have other questions, request and suggestions, Please comment that below and I will be more than happy to answer.

Thank you for dropping by my blog. 
- Ciel