How could I not resist Lauren, my then 9 year old daughter’s question in 1996? One day while I was busy with my emails, she walked up to my desk begging to create a web page using HTML. The question seemed so natural like she was asking for candy but running inside my head was what is that MONSTER?… HTML ? The internet was such a novelty during those days that parents were both afraid and excited about its benefits for the kids. I took the risk and introduced my children to the world wide web.

lauren in 1997

I was often questioned why I allowed them to go online. Questions often raised were: Am I not afraid of pedophiles? Am I not wary of the pornography? What if the online friend is really some serial killer? Relatives and friends frowned on the internet. I felt like I was a parent from outer space. Even my daughter’s homeroom teacher chastised her for talking about the internet. I believe the teacher was just ignorant or intimidated about it. After all, in 1996, there were less than 12,000 internet users in the Philippines. It wasn’t cool for a kid to be online during those days.

lauren-using-her-computers

There were no hard and fast rules. One thing was clear though. I am a parent first. In the real world, one aspect of responsible parenting is never having to allow children to wander aimlessly and alone into unknown territories. So, too, in the vast cyberspace called the internet. Responsibility towards my child’s off-line behavior is the same responsibility for my child’s online activities. Parents can empower themselves and establish web safety awareness in their homes. Start them young. The best defense is for parents to make exploring the online world a family affair.

roboticaI drafted my own Internet safety Guidelines for parents, teachers and children to read in World Kids Network where I was  called Robotica, their Internet Safety Head from 1996 to 1999. The guidelines are basically the same even in the age of connected technology ( gaming centers, cell-phones), digital devices and social media sites. My 10 Golden Rules on internet safety  were inspired by my own parenting experience and my children’s internet experience is still applicable 18 years later:.

1. Your child should only log on with your approval. Sit down together with your child and read the guidelines contained in their favorite kid site. Assess which may or may not apply to you and your child. If you have to, you can plan and formulate your own safety guidelines together.

2. Since the on-line experience should be a family affair, the computer should be easily accessible to family members. This makes online activities an enriching experience.

3. The computer should be located in a room where there is adult supervision.

4. Be clear on the length of time spent in the computer or other connected technology.

5. Let your child post your family’s e-mail address even if he/she has her own.

6. As you go on together with your online experiences, your child will soon be better equipped to deal with various online situations even if you choose to leave them on their own as I did when the girls left for their college dormitories.

The negative feedback and suspicions towards online activities often made me wonder how the internet molded my children’s perspective in life. I found the answers now that my children are in their early twenties. I believe my kids got exposed to global thinking , varied ethnicities , cultures and religion which they might not have learned in the classroom. The biggest surprise is that I gained so much more in the process. My children taught me a lot about being a mother in this technology-driven world.

Is it any wonder that 18 years later, I am a 56 year old tech-savvy mom blogger?

computer-time-with-my-daughter

(In my next post, I  talk more on  Internet safety: Myth versus Reality)

This was the original Golden Rules on Internet Safety I drafted in 1996:

 
internet safety

1. Ask your parents for permission before you log on!

Read the internet safety tips together with your parents, teacher or guardian.Let them know what you are up to on-line. Only use the Internet when your parents have given you permission, and only for the time they allowed you to use it.

2. Tell your parents to spend time with you while online .

You might want to know some guidelines that your parents are concerned in the use of the computer such as time and the places to go in the World Wide Web.

Show them your favorite places in the internet. Tell them about the people you meet on-line, and the things you talk about. Let them know of your keypals and their traditions. Get them involved in your on-line activities!

3. Post your family’s e-mail address even if you have your own!

It’s neat to have your own e-mail address but it is always a good idea to post your family’s address, and then inform your own address after you are absolutely sure that the sender is trustworthy.

4. Do NOT give out your home address, parents work address, or school information. This also holds true for telephone numbers.

If you are entering a contest, or registering to enter new site, discuss it with your parents or guardians first and get their permission! Show them the site, and the reason why you would want to give out your address. If you have a PO Box, use that as your address!

If you want to become “snail mail” pals with someone you should talk to your parents about it first, and get their permission to give out your address.

5. You should NOT use your real last name while you are on-line, especially if it is unusual.

A better idea is to use your middle name as a last name, or have fun and make one up! If you do decide that you would like to use your real last name, please talk to your parents about it first!

6. Never agree to meet anyone, anywhere without talking to your parent or guardian about it and getting their approval.

People may not be who they say they are! If you do decide to meet with someone that you have met on-line, talk to your parents first. If they agree to the meeting, have them come with you and meet in a public place (where there is a lot of other people around)!

7. Never give out your password to anyone for any reason!

The ONLY people that NEED to know it, already have it, no matter what they tell you!

8. Don’t reply to any e-mail messages if you feel that they are offensive, strange, mean or upsetting to you.

Show the message immediately to your parents or teachers or any adult you trust so they may take the proper action or advise you on what to do . This is usually the best solution.

Don’t get discouraged if you receive messages that make you uncomfortable. Most of all don’t imitate those kids that write rude messages.

You can also write to us at safety@worldkids.net.

9. Don’t send scanned pictures of yourself or your family to anyone unless you have your parent’s approval.

If you have a homepage,your parents should also determine the pictures that you should put.

10. Stop right away if you see or read something on a Web site that is upsetting or offensive to you.

Some sites are not meant for children and you might have accidentally reached that site through a hyperlink. Talk to your parents or teacher about it.

uphold rh law

Did the parents of this poor boy know that they had a choice on the size of their family? Did they know about sex education? It saddens me that the Philippine bishops misrepresent the RH Law as something that promotes abortion and of adolescent promiscuity. I feel these bishops have been intellectually dishonest and ignored the good faith of the RH advocates. They have failed to proclaim the life-saving and values-formation character of this public health measure.

It is my dream that couples will know about these choices, once the Reproductive Health Law (RH Law) is in place.

I am blessed to be married to the love of my life for the past 29 years, my boyfriend for 7 years. He is my one and only lover and to see our children are truly miracles of God and a union of our love. What more can I ask from God? A baby is a gift of life. Tears of joy always overcome me in every birth of my children. They are truly God’s greatest gifts ever given to me. I wish every mother receives this gift of life.

It is this wish that prompted me to support the Reproductive Health Bill in 2008 and now pushing that the RH Law will finally be implemented.

The Catholic Church here in the Philippines are insinuating that the RH Law is about abortion, at least based from pro-lifers on Twitter.

contraceptives from the Catholic church

More than 12,000 Catholics from five continents answered questions in a massive survey commissioned by Univision and conducted by Bendixen & Amandi International. Topics covered included all the issues most likely to generate lively discussion among Catholics all over the world. Here’s how they responded through this result page.

What I found out is that 78% of Catholics support the use of Contraception. In the Philippines, 68% support contraception. This is an eye-opener for the Catholic Church.

survey of the catholic church

Part of the RH Law is about using contraceptives so you can have babies only when you want to, and so you can achieve a family size you can comfortably support. It is about producing children with love and producing them responsibly so your limited resources can provide them a good life, not one where they sleep in sidewalks. It is about helping women avoid the health complications caused by closely-spaced births or unplanned late pregnancies. Caring about all these things is being concerned with life.

To borrow the words of RH Advocate, Beth Angsioco, “In the name of reproductive justice, our Justices should uphold the RH law.” The health and well-being of millions of our mothers and children now hang in the balance as the future of the RH Law as it is now being deliberated in the Supreme Court.

See the survey results

Catholics around the world more liberal than the Vatican

*Cringe*. I am sure some of you are not too comfortable about the topic especially with our children. But….Let’s not be in denial.

Parents need to wake up to reality.

32% of the youth aged 15-24 engage in sex and 78% of this is unprotected sex, according to DRRP and UP study.

Data from YAFS 4 indicate that 32 percent of young Filipinos between the ages of 15 to 24 have had sex before marriage. This shows a significant increase from 17.8 percent in 1994 and 23.2 percent in 2002. By age groups, more of those in the 20-24 age group had sex before marriage (54 percent) than those aged 15-19 (17 percent).

The highest premarital sex prevalence were found in the National Capital Region (NCR), (40.9 percent), and Central Luzon (39.1 percent) while the lowest was in the Autonomous Region of Muslim Mindanao (ARMM), (7.7 percent).

Beth Angsioco, reminds us “Let us not forget that per the respondents’ profile, more than 70 percent of them are Catholics. Yet, the Catholic hierarchy and its allies are blocking the implementation of the RH law, the law that can help young people responsibly manage their sexual lives.”

Just before I had kids , a friend told me that her daughter was only 18 years old when she got pregnant. This happened during their first date. She expressed regret that she should have never assumed that her girl will never have sex before marriage. She says she should have lectured her girl about protection. My friend’s story left such an imprint on my mind that I resolved to teach my girls all I can about sex education when the appropriate time came. I knew I could not leave it to the school to teach them about it.

Let’s see…

What is happening to our sex education?

Sex Education

With the Reproductive Health Law still in TRO, sex education is left hanging in public schools. It is optional though when the law is in effect. Let’s look at this statement from Dr. Angelita Aguirre, head of Human Life International. (CBCP: Scrap sex lessons)

““The module should be scrapped. It does not have the emotional, psychological and spiritual dimensions of human sexuality. This is very important,”

““The code of morality is high. We are not pagans. We would like to pressure everybody indulging in a conjugal act to get married first,” she said.

Aguirre pointed out that the modules did not mention that a person had to get married before having sex.

Saying NO is easy for some kids but not everyone has a strong will. Sex Education goes beyond just saying “NO” .

birth-control-NO
Source of photo: bible.ca

As a concerned parent of two girls, I took an active role in teaching the basics of sex education even if their Catholic high school included a bit of sex education in their curriculum. Much as I want my two girls to get married first before having sex, this kind of sex education strategy (get married before having sex) does not make sense to teens these days. First of all, some Catholic schools instill fear of committing mortal sin even on sexual feelings. Why can’t they explain about raging hormones instead of judging their feelings? It’s a confusing time for teenagers. Most often, these high school girls turn to their girl classmates for relationships. How many girl-girl relationships are occuring in all girl schools? Often, the school turns a blind eye because these relationships won’t induce pregnancy. Secondly, our teens are exposed to sexual images in magazines, TV, movies and the internet.

The issue of morality can be taught separately from sex education. Morality is taught in the Christian Living Education or its equivalent like Values Education.

God has a strong view of any kind of immorality, so we should try to err on the side of purity. For example, the apostle Paul said that the Church will be presented to Christ as a pure virgin bride:

I am jealous for you with a godly jealousy. I promised you to one husband, to Christ, so that I might present you as a pure virgin to him.” (2 Corinthians 11:2)

sex education lectures
Photo source: natcom.org

My mother discussed sex openly with me when I was 15 years old. I knew the morality issue already and formed my own beliefs at that age. Mom didn’t have to go through the graphic details but what struck me was the responsibility of the sexual act. In the same manner, I discussed sex education with my two girls as “are you ready to have children?

When they blurted “NO WAY“, I added “Then you should abstain until you are ready“. My own definition of “readiness” is when one is married but I didn’t want to explicitly state that fact yet.

I continued “Don’t even believe your boyfriend when he says he has protection“.

They giggled. I gave a clear example of a family friend who got pregnant at the age of 18 because she thought she wouldn’t get pregnant at that age. Besides it was her first time.

Then I continued “just one tiny drop contains millions of sperm to impregnate you. It takes only 1 sperm cell, mind you!

Then I proceeded to explain how the second daughter and Luijoe were conceived …and…

ewww. I dont want to listen now

I explained condoms, birth control etc are not fool proof methods of birth control.

We need to teach them responsible parenthood together with the sex education. We don’t need to teach everything but at least give them the basic facts. Along the way, the children can do some more research on their own.

Phillipine Catholic Bishops Oppose Sex-Ed in Schools, Say it Should be Left to Parents is true if all parents know how to discuss sex with their children. We can’t assume parents know how to discuss sex openly. Some might be uneducated to understand the anatomy of reproduction and thus fail to grasp natural birth control methods.

The schools together with the parents can bridge the gap of sex education.

If you are a parent, are you ready to tackle the topic of sex education with your children?

failing-sex-education
Photo source: voicesofyouth.wordpress.com

(This was originally written on July 2006 )

world cancer day

As a young teen, my almost perfect world started to crumble when my mother died from breast cancer complications in 1976. Life was never the same without a motherly touch but  dad pulled it off so well. He became our mom and a dad at the same time. In In 1999, my 40 year old brother, Oscar died of leukemia (AML- 6) after an unsuccessful stem cell transplant in Bethesda, Maryland.  It is sad to lose two family members to Cancer. I am aware that cancer is  preventable by just having a healthy lifestyle and disposition. This is one reason I want to share World Cancer day with you.

Today, February 4 is World Cancer Day and a new global cancer report compiled by UN Agency, The International Agency for Research on Cancer (IARC) shows1:

  • As a single entity, cancer is the biggest cause of mortality worldwide2  – there were an estimated 8.2 million deaths from cancer in 2012
  • Global cancer incidence over four years increased by 11%* to an estimated 14.1 million cases in 2012 – equal to the population of India’s largest city (Mumbai)3
  • Cancer cases worldwide are forecast to rise by 75% and reach close to 25 million over the next two decades

The release of the World Cancer Report underpins the 2014 World Cancer Day theme ‘Debunk the myths’. The data shows that the world cannot afford to sit back and continue to let the global cancer burden grow. For more information on how to get involved, please visit: worldcancerday.org.

What are the four myths?

Read through the myths by clicking thelinks to worldcancerday.org website or hearing my bubbly audio posts.

Myth 1: We don’t need to talk about cancer

Truth: Whilst cancer can be a difficult topic to address, particularly in some cultures and settings, dealing with the disease openly can improve outcomes at an individual, community and policy level. Read more.

My bubbly post:

Myth 2: There are no signs or symptoms of cancer

Truth: For many cancers, there are warning signs and symptoms and the benefits of early detection are indisputable. Read more.

My bubbly post:

Myth 3: There is nothing I can do about cancer

Truth: There is a lot that can be done at an individual, community and policy level, and with the right strategies, a third of the most common cancers can be prevented. Read more

My bubbly post:

Myth 4: I don’t have the right to cancer care

Truth: All people have the right to access proven and effective cancer treatments and services on equal terms, and without suffering hardship as a consequence. Read more

My bubbly post:

world cancer day2
Click to enlarge (via PTV)
1. World Cancer Report 2014. IARC. Available at:http://apps.who.int/bookorders/anglais/detart1.jsp?codlan=1&codcol=76&codcch=31

2. WHO Global Health Observatory. Available at:http://www.who.int/gho/map_gallery/en/

3. City Mayors. Available at: http://www.citymayors.com/statistics/largest-cities-population-125.html

4. De Martel C et al. The global burden of cancers attributable to infections in the year 2008: a review and synthetic analysis. Lancet Oncol 2012;13:607-15

5. Ferlay J et al. GLOBOCAN 2012 v1.0, Cancer Incidence and Mortality Worldwide: IARC CancerBase No. 11 [Internet]. Lyon, France: International Agency for Research on Cancer; 2013. Available from: http://globocan.iarc.fr

The attire on the invite read :” Drop dead gorgeous for the ladies and metrosexual for the guys.”

Bernie, my gorgeous best friend wanted to celebrate Frank’s (her husband) milestone in life, as he joins the distinguished Senior Citizens’ Club. My task was to make sure my husband will wear the required “metrosexual” attire.

“What is metrosexual?” , my husband asked.

I teased him, “aren’t you metrosexual?” I then defined it for him:

met·ro·sex·ual

1. a young, urban, heterosexual male with liberal political views, an interest in fashion, and a refined sense of taste.

I added a hat on his head and wrapped a scarf around his burgundy shirt. “No scarf for me”, he pulls it out . I teased him the men are going to wear scarves.

“Expect to dance”, I reminded him, to which he did not protest.

Flashback…When I first met my ex-boyfriend that fateful night in 1978, I thought he could dance. The seventies was the discotheque (disco) era which peaked in popularity in the late 1970s. Everyone knew how to dance or …rather all my friends could dance. So, when the Beegees’ music “Saturday Night Fever” played in the restaurant, Butch while seated on his chair would sway his body , raise his arms to the left and to right and just groove to the music. Impressive.

When we finally became sweethearts, I discovered he had two left feet , meekly confessing “I can’t dance”. It was not the end of the world. There was more to a relationship than being able to dance. I just forgot about it until yesterday night.

flintstones band

The Flintstone band at the Vue Bar in Bellavue Hotel played seventies music. The ‘Saturday night fever’, was playing on this glorious Saturday night. How can we not dance to this 70’s decade music, best known for unleashing the disco era upon the psyche of the world?

I pulled my husband to the floor. “We have to dance this!” I thought he’d just stand there but surprise of surprise, he moved his feet side to side. Starting with three tiles on the floor, he did a step right-together. Then left-together. Amazing.

dancing the night away

So, we danced “maski paps” (Maski Papano), swaying side to side to the beat. This time around, he was not seated as he bounced to the beat. That’s what disco dancing is all about. Doing our own thing is cool. Using rhythmic consistent steps is cool. Getting loose and laid back is cool .

dancing with my husband

Smile. Show the attitude. Get into the groove. Anything goes. Having fun is what disco dancing is all about. Who cares if we are in our fifties? We know how to have fun even after a serious week of work.

saturday night fever

Indeed, what a Saturday night fever that was , as we rocked the night away and cheered to Frank’s 60th birthday.

Photos via Bernie.

year of the horse
Photo via @HiroshiShih

Gong Xi Fa Cai! Gong Hey Fat Choy!

I enjoy surfing through the various Feng Sui sites on what lies ahead for the Rooster, the year I was born based on the Chinese Lunar year. I know that it is just a guide but it is fun nonetheless to read about my Chinese Animal sign. Who isn’t curious about what’s in store for 2014 ? I am aware the feng shui tips are based on general predictions for my Chinese zodiac sign so I just need to be discerning.

The Feng Shui master lists down a lot of details like career, wealth, love ad even social life. What I found interesting is the career path:

Rooster (1921, 1933, 1945, 1957, 1969, 1981, 1993, 2005)—This is a creative year for Roosters. They will have better luck. Financially, it is beneficial for them to make investments. They can consider starting a new business or purchase properties.

The Roosters amazing organisational skills will help them out a huge amount in the year of the Horse and they will find that they enter the year fully prepared for whatever lays ahead. A great way to get ahead this year would be to write a wish list of what they wish to achieve this year and check back on the list regularly and add to what they would like out of this year. Career for the Rooster will go very well during the year of the Horse as they will be fully prepared for any changes or adaptations required for the year ahead; this will get them a lot further than they think. The Horse year is a fast paced one and may take the Rooster by surprise as they like to prepare for everything beforehand but the Rooster would do well to act on impulse at times and snap up opportunities that are given to them as this will work well in their favour.

rooster chinese zodiac sign
Photo via Deviantart.net

Another Chinese Zodiac site says that ” plenty of new opportunities will come in the way of the Chinese Rooster people in 2014. These people will excel in planning and business development in this year. Period between April and August will be a period of good luck for many roosters. These are possible and will have big gain due to positive stars – Heavenly Star #6, Golden Deity and Zheng Guan (Authority).”

Early this year, my friend and I decided to embark on a new chapter in our lives: Speaking and social business consulting. I wrote about it on January 6. It’s amazing how friends are supportive of this new phase of our lives. Who would have thought I’d get back to business consulting? Opportunities are already on our plate. It is just a matter of formalizing some of these and moving forward to start on the consulting project. It will surely be a fast paced one for me.

As I explored other site, I found out that Roosters should not expect too much too soon. “Things will turn out better quickly when the rooster, at work, employs diplomacy and plays politics for a while. It is a good year with the family. Lots of loving and caring.” Another site says, “it is important that Roosters be on guard against conceit and impulsiveness. They need to be patient, maintain their level-headedness and work hard so their problems will be solved.”

2014 Rooster Luck
Photo via fengshuiben.blogspot.com.

Playing politics is something that does not come easy to me but let’s see. Even with out this tip, I should start employing diplomacy in my work. Patience is not a problem for me though. The good year with the family is promising because I am planning to visit my daughter in Europe together with my husband and another daughter.

There are more interesting signs to watch out but overall, “Roosters will continue to experience excellent luck this year, too. Plenty of good luck energy, success and prosperity are all predicted to come your way in 2014. Being mindful of the need to balance the strong/yang energy with the gentle and nourishing yin energy is the key to your absolute success this year, be it in business, relationships or in exploring totally new vistas. Beautiful luck is expected in your romantic life, too!”

rooster
Photo via gotohoroscope.com

There is definitely much more to every human being that just the Zodiac signs one was born into. Exploring feng shui tips might help improve one’s energy and make you more aware of the potential the Wood Horse 2014 year will bring for you and me. Don’t forget – we have the power to create our own fortunes and futures.

Gong Xi Fa Cai. Gong Hey Fat Choy!

Take a look at the Chinese New Year 2014: ‘Wooden horse’ celebrated in online art

How time flies. It’s been four years since Blog Watch interviewed then Presidential Candidate Noynoy Aquino for his platforms. It was an intimate tête-à-tête and I thought we would have more of these talks if elected as President.

These days, I am often asked this question “so what happened to the social media plan of our President?”

noynoy aquino and me

Since the June 30 inaugural and our interview with then Presidential candidate Noynoy Aquino in February 2010, attempts to communicate and engage directly with the President was often met with silence. I got a reply once but I was told the President was busy. This came shortly after he was accused of “noynoying”. Proposals to initiate a twitter town hall meeting and a yearly coffee chat never got a reply. The President or his communication staff do not look too kindly on criticisms, whether they are constructive or not.

Maybe the President will engage with social media users once his communication team gets it. Secretary Coloma seems so old school. I once approached him in the Palace in late 2010 and told me it will take time.

While Jane, (my friend and partner in crime), and I are busy with Blog Watch and our individual advocacies, we remember that we also need to be sustainable. Tonight was a business meeting with the Vibal Group. While waiting for Tin and Sally , we ordered our Pumpkin soup and Cesar’s salad. To my surprise, Jane gasped “Pnoy is here”. I glanced to my left and saw the President walking towards the table next to us which was separated by a divider.

I kidded Jane, “maybe we can have a photo op. I have seen Carlos Celdran do it in Facebook. I also see him with photos ops from ordinary citizens”. Ever since that 2010 Blog Watch interview, Jane and I never had another photo op. Sure, we were invited to the Palace on Inaugural day and other media events but we never had a chance to even go near him and have another photo. Maybe this time. Of course , I did not want to just approach their table . There was also a chance that he will refuse but I will take that risk. The opportunity soon came when he looked like he was leaving the restaurant.

Looking at his direction, I meekly asked “Can we have a photo with you?”, motioning my hand towards Tin, Sally and Jane.

He seemed to be in a good mood because he readily agreed without any hint of hesitation. He motioned his hand towards someone in the room to take our photo. Oh , a camera man with his large DSLR. (I guess he does not want a repeat incident after that Napoles fiasco where he will claim that he did not know us) I handed my iPhone to the camera man while Jane handed her Samsung to another PSG ( or assistant).

SNAP!

president noynoy aquino and photo ops

I then told him “We interviewed you when you were just a presidential candidate in 2010“.

To jog his memory, I said “Blog Watch”. (see photos)

He smiled and looked pleasantly surprised “in Vibal!” That probably sounded like music to Tin and Sally.

blogwatch-noynoy15

He remembered. Maybe he thinks we, in Blog Watch are too critical . All I can say is that is democracy at work. We want him to succeed as President and we call out on the promises and platforms he told us before he was President. I hope to engage with the President’s communication team and sit down with them on what construes as “constructive engagement”. I want to remind our government to focus on how to be social, not on how to do social.

It is also my hope the President remembers the social contract we discussed four years ago so he can deliver all of these before his term ends in 2016 .

I recall a conversation with a friend of my daughter who spent an weekend with us. While having breakfast, the discussion turned to money matters. She gushed over Lauren’s responsible spending habits despite her financial independence. But of course, I instilled money management early on in their lives. Mind you, my daughters are thrifty but know how to spend and party hard.

condominium project

My family is no stranger to financial challenges. If there is one thing I often remind my children, it is “no matter the state of our financial situation, we need to implement some sort of money management or else all that money will be gone in an instant.” The worst financial challenge we faced was in 2004. Call it martial law, but hard times called for drastic measures.

Under my strong-woman rule, I imposed a few family rules that my loving husband adapted nicely too. He had no choice, right? Let me share a few of my rules that might be useful to you because I know each family sets their own rules. This is what we discussed.

1.First, let’s set up priorities: know our regular expenses.

Take critical look at our expenses and remove out those that don’t give real satisfaction. The number one priority is food, housing, education and clothing but then again there are limits to this. Junk food is definitely the least priority. Buying luxurious home decors is also a no-no. What about clothing? Let’s not buy branded items at all.

2. Limit use of Credit.

We canceled a total of 3 credit cards and kept one credit card each together with a local credit card (BPI credit card). Using a credit card is not all that bad. In fact, whenever we get a housing loan, these loan companies check our 6 month credit card statement to see how good we are in paying our credit on time. Even the US embassy takes a look at your credit card history (when you bring these documents over but they don’t keep it of course). So make sure your credit card history is solid. What we avoid is buying on impulse.

3. Put a plug on those spending leaks

Impulse buying , frittering away small amounts here and there on ““little” things, can add up to a surprisingly big amount.

  • Avoid shopping for groceries when your tummy is grumbling. You’ll buy more of those tempting treats that can run up your bill.
  • Avoid ““killing time” in the malls. (You’re sure to come away with something you hadn’t planned on buying.) Use a budget and keep within it. Once you can resist the temptation of spending ““small” amounts, you’ll have more money for the things you really want.
  • Avoid eating out for dinner and instead, let’s have home cooked meals.

4.  Don’t be careless when shopping

There is always pressure, to buy things. Our wants are greater than our needs. This leads to buying things we don’t really need and to buying without comparing values and prices. Identify your weakness and declare a moratorium in buying it. If your weakness is shoes, for instance, commit to stop buying a new pair in the next six months. My husband is a shoe collector freak which ended when I declared “war”. The kids did not get expensive toys. They were very happy just browsing at the bookstore not minding the toy store at all. Packed lunch for school helped save on meal expenses. The occasional money allowance was necessary to empower them on how to budget.

5. Save even just small amounts.

I told the kids that once they graduate, financial support for most of their personal needs will be cut. Sure they could live with us only to save for their future home. When Lauren started to work in 2007, she suddenly found herself spending her salary. To encourage her to save, I demanded rent from her. I told her that saving just a little will amount to big amounts in a few months. Lauren was only twenty-two years old when she invested on a condominium project. Today, she now lives in this condominium. M, my second daughter moved to Australia using her own money to apply and travel to Australia for a year at around the same age. She has since moved to Europe last year.

6. Establish cash reserve

Financial experts recommend that every family create a cash reserve of at least 50 percent of their annual income. My dad was very good at maintaining liquidity. I fail in establishing that 50% cash reserve because I placed some of our cash in investing on real estate. Though not as liquid as cash, real estate investment protects me from two-digit inflation.

I think I might have ingrained the saving thing too much when I told my girls that I planned on having my birthday dinner in a restaurant. I thought they’d be happy that for once, we will be eating out. I never expected their reaction.

Mom why make other people rich? Let’s just have dinner at home!

I was surprised, But we barely eat out for dinner! It’s a treat and it happens only once a year.

Their firm response: Mom, dinner at home is so much better! Let’s save.

ngek.

There are many ways to live within our means without scrimping our lifestyle. How have you managed?

transparent-butterfly2.jpgDon’t you think this is a lovely butterfly? Whenever a butterfly flutters about in the garden, I smile with the thought that Luijoe is in another life with greater beauty and freedom. But I believe the butterfly’s life cycle – metamorphosis – represents my new life after the death of my precious son.

THE EGG: As a little girl, my whole world felt safe under the loving arms of my parents – much like the butterfly egg attached to a leaf somewhere.

THE CATERPILLAR: The caterpillar is my life before the death of Luijoe. My husband and I are contented that God gave us two girls and a boy. A perfect family. I go through the day as a full time mother attending to my chores. Nothing can break this happy bubble, I thought. And then Luijoe is gone. I change!

THE COCOON: After his death, I shut myself off from friends and even family because I felt they could never understand my grief. It is what protected me from the horrible pain. I withdrew from life because of all the painful memories. Numbing the pain, I curled up in my cocoon.

THE BUTTERFLY: The pain lessened and I began to heal as a flicker of light and a little color emerged. Breaking free from my cocoon , I reached out to touch life again. As I discovered the brilliant colors around me, I become more like a butterfly sipping some of the nectar from life.

“We are healed to help others.
We are blessed to be a blessing.
We are saved to serve,
not to sit around and
wait for heaven”
from Purpose Driven Life

I transformed my grief to a positive resolution by starting The Compassionate Friends Philippines , the largest self-help organization for bereaved parents, siblings and grandparents in the world.

In our Compassionate Friend’s circles, the butterfly represent the lives of our children who have died. Their spirit lives on and our memories live on, often in fleeting moments . And that we may be able to build a new life after the death of our beloved children.

I see many butterflies in my life now: blogging, renewal of friendships lost through time, new friendships because I went out of my comfort zone and a new me, a new normal.

Life is good.

I  smile as I flick through the photos from my little red wooden box. As I gaze at the photos of my children, the laughter springs to life in my memory bank. Life has not always been nice and dandy but that is not to say it remained sad or lonely. Life is  about making a choice: should it be sad or happy? dark or bright?  I wish I knew that life were about choices when I was at the deepest pit of my misery but thanks to loving friends, I got out of it and chose a life that is happy and bright. When made that choice, it does not mean I will ignore feelings of sadness. It means working towards the goal of a happy and bright future.

my daughters

A brighter life for me will be cherishing my golden years and contributing to the future of my children.  I made this choice after I decided to live a new normal after the death of my son.  I know I will not be as young and vibrant so I needed to prepare living a comfortable life beyond my golden years. That meant fixing my finances through long term investment and  a sound retirement plan.  I deserve to have the self-esteem and peace that accompanies financial responsibility. The future of my children does not only lie in providing them material wealth.  Helping out in community activities also contribute greatly to my children’s future. What better legacy is there than making a difference in my children’s life by being of service to others?

brighter life website

Everyone has their own ideas of a brighter life. Sites like brighterlife.com.ph provide inspiration. You may also ask yourself “How do you imagine a Brighter Life? Is it having comfortable lifestyle? To be able to provide for your family’s needs? Perhaps you want to leave behind a lasting legacy?” Just like a friend you can talk to, the Brighter Life website provides lessons in life and financial advice. Divided into five categories, it is easy to relate to because it tackles relationships with five aspects of our lives: finance, health, family, career and the future.

Topics in personal finance is quite useful to me. Though my family invested in real properties and Sun Life Financial Investments, I also want to know more about stock investments.  Being a newbie in the stock markets, it is heartening to read articles like the “The Road to Becoming Stocks Smart”.  I can relate to the writer’s fear of the unknown. I need to conquer that fear too by getting to know the ropes of the stock market.

There are more topics that will surely enlighten you. My good friend Randell Tiongson writes about Pinoy Style: Financial Planning. Randell has “ personally been a witness to many individuals who had relatively good income and yet failed miserably with regard to being financially secure.” Preparing for a brighter with a financially secure future requires taking action today:

1.Increase your cash flow;

2. Reduce or eliminate debt;

3. Take baby steps in savings and investing;

4. Review your finances periodically;

5. Communicate with your family.

For more tips about personal finances, visit http://brighterlife.com.ph