The 1,000 pesos monthly savings challenge


When I was young, I would accompany my mom at the grocery, back then the nearest grocery store for us was in Robinson's Fuente, we would be there for almost half a day because my mom takes a lot of time to purchase what she wants to use and also comparing one product to the other and not just the product the prices as well. Mom would say to save and also by knowing what type of product we wanted to use for our household or personal use.

Most of us recalled how our parents would decline other stuff that we pick from the grocery its either because of the price or simply because they know that we are just enticed to own it. I know right? because by the time I was asked to do the grocery alone or simply do some groceries, this has become my habit, selecting the product, expiry date, and price. 

How come when we make savings for our life goals it has become an allergic reaction and oftentimes neglects this work because we have other priorities to make. Our mindset was focused on today and instant gratification rather sacrificing a little of what we can have for tomorrow. Like in my previous post, I was working on my mindset and applied one of the secrets to have savings and since I was doing a baby steps back then I'll share to you other things I have learned and its up to you which one is more convenient and easy to start your goal towards 20% Savings.

 Baby Steps to get that 20% Monthly Savings or per contract.
  • BDO Easy Investment Plan (EIP) is a unit investment trust fund offered by BDO in which you can start with at least 500.00 php every month and when you reach between 10,000 - 11,000.00 php you will start earning dividends and even you reached this amount. BDO then will give you a copy of the certificate of Investment upon reaching the 10 - 11,000.00 PHP. They will still continue to deduct the same amount you indicated base on your BDO EIP Form which you can always increase anytime and depending how much you want to contribute monthly. Your earnings will depend on the economy and the best yield will be after 5-10 years.  To know more about BDO EIP, click this link. 
Minimum investment: 500.00 PHP Monthly
  • SunLife Prosperity Fund is a mutual fund wherein you can start investing at 1,000php monthly, similar to BDO EIP in which you can also link your Bank Account to SunLife and have it auto-debited to your account from their partnered banks. 
Minimum investment: 1,000.00 PHP Monthly
  • BPI Direct Save Up Automatic Savings and Insurance. BPI and Philam Life is a strategic partnership of two companies wherein BPI does the banking transaction while Philam Life covers for the insurance. For this service, they will deduct 1,000.00 PHP for your Automatic Savings to be invested in BPI Mutual Funds while another 1,000.00 PHP will be allocated for your Insurance. A total of 2,000.00 PHP will be deducted monthly. Interested in this investment scheme, then check out this link to get more info.
Minimum investment: 2,000 PHP Monthly

There are higher amount which you can start with but if you are those most people felt that starting an investment at 5,000.00 PHP is a bit too high, to begin with, then start with the 500 PHP or 1000 PHP or 2,000 PHP whichever investment you felt right for you when starting out because starting this journey is easy the hard part is maintaining what you have started.

When you are ready to take a higher step then you can apply for another investment from another financial provider or go to your current provider and ask for a form to increase your contribution. I would suggest diversifying your savings when you take another step and still maintain your contribution to your first investment.  

Taking a baby step was very helpful when i was starting out and to this point I'm glad I made thru with it despite the challenge that has come to me and despite the number of times I thought I just wanted to use it for another stuff and then again, Self-Discipline for Personal Freedom is my end game.

How did I come up with my services?


After a long holiday season for the month of November, I took sometime off after being overwhelmed with the projects I am undertaking. This time I made an assessment of our finances for our next years plan which includes the services I have offered and done in the past and what worked with me and what did not.

For next year, I have decided to limit my services by streamlining what I can actually offer as not to make myself thin nor the representation of the company I am handling as the company, Premiere Design Interiors evolves and grow I have to make a better decision on what would be the best practices that is applicable on my current situation as we move forward to serve our clients and future clients.

My current services are the ones worked for me in the past while I was doing freelancing job while I was having a day job and some where applied when I went to full time freelancing. However, the combined services did not worked well as the external factors have to be carried out. Now, that the company is registered and as I approach the 3rd year in Interior Design Practice a lot of realization has been made and a lot of feels. To get on to the point of the services that by 2019, Premiere Design Interiors will have 4 main stream services to our clients.

  • E-design, a electronic interior design thru virtual communications will have to be carried for those clients who wanted an inspiration in their future projects and enjoys doing the Do-it-yourself activity and needs the guidance of a licensed interior designer.

  • Full Interior Design and Execution, an end-to-end interior design approach where design and build is combined in a more personal approach, this works best for clients who wants to be  hands on to the project and has the freedom and flexibility to choose the contractors to be involved in the project.

  • Turn Key Solutions, is an interior design and build with an end-to-end approach similar to the FIDE services. The difference is that the interior designer calls the shots for all the approving aspect and selects the contractors and people involved in the project. Client has a limited control as the approving officer is the Interior Designer and enjoys the benefit of a hassle free transaction.

  • Interior Design Branding, is focused on the visual merchandising of the commercial space and thus ensuring that the brand given to the interior designer will be aligned to the given space without compromising the functionality and aesthetics as it maximizes the productivity of the people involved making more attractive to clients.

These four services  are the ones that I have carried from the beginning that worked for me and has given me wonderful results. Each client has its own preference of a personalized services given to them and also by completing it on their preferred time. The services you you have just read will is already in my website under the project page.

Three ways to handle your money


In my previous post, I gave the  5 main reasons why I need a financial goal and before we talk further about financial literacy in which I am not an expert of but I can say I have a high level of knowledge in a certain aspect. As a creative person, I have mentioned that it's hard for me to save and because there was a lack of interest to apply the things I learned in various means of information fed to my brain and the fact that I "hate" numbers to deal with.

Life ain't like that, It's complicated and tricky especially with numbers involved and despite I don't like to deal with numbers, I learned to work out things and I enjoyed some of it despite me wanted to puke many times because I have to deal with it every now and then.

To give a brief summary of the reasons why I choose financial goals
1. No Work = No Pay; this is how freelancing works
2. Personal Obligations = Rent, and Bills
3. Personal Freedom = Life Goals as described by BDO, Buying a house, your first car and etc.
4. My Lifestyle
5. Marketing for my Business

For quite some time, I've tried and practiced a variety of what I call savings formula, applying the things I learned from all financial seminar and books I have read. Some were applicable and some are during those time and though there are practices that worked well with me while other's aren't until one day a close friend gave me a book, The Abundance Formula by BO Sanchez, this book upon reading it worked well with me and which I am currently practicing as well.

To simplify, the abundance formula is a 100-10-20-70; in percentage (%); the 100% active income is divided into 3 parts; the 10% Tithe, 20% Savings and 70% Personal Finance. In my case, I started working on the 20% Savings.
  •  20% Savings - Personal Freedom falls under this category; yes, yes and yes. Having savings can be impossible especially for the young ones who is just starting out in their career path and like most young professional who are in this position, having a savings account can be such a tough call to make. In fact on the first few years when I was trying to make a savings, I always cheated on myself that I end up "NO" Savings for my life goal and when I made a firm decision to follow the formula It was really hard as I am tempted to look to achieve a small goal and 20% was like "uh-oh!" and "I'll save later" and a made a lot of compromising decision just to satisfy my goals. What I did, was before I had my 20% Savings, I worked out on my mindset by starting small. I had a personal bank account and enrolled my account to the investment service of the bank wherein I started having 1,000.00 php deducted every month and every time I see that deduction, I reminded myself of the Life Goals until such time 20% was never an issue to me at all.
TIP: Enroll in an Auto-Debit Agreement with your bank or Investment provider in which helped myself change my mindset and it was effective it took months before i stopped thinking about the money auto-debited and that when I increased by savings by 20% it become an instant gratification knowing that 20% is for for my Life Goal and since I was able to change my mindset in having a savings, tithing was become my next goal. 
  • 10% Tithe - 10% of your income goes to tithing according to Deuteronomy 14:22-26 and other bible verses too, this is a very hard thing to work on especially when you are used to have everything you have for yourself and this year, I'm glad to say that I was able to consistently contribute on my tithes despite me, myself and I wanted not to do this action and good thing that despite my mind would argue with this topic at most time or me tempted to use this; its intact and when I felt that I need to contribute I felt good to share it. 
TIP: Have a Passbook Savings account that is away from your location , so you wont be tempted to get your money from the back and an ATM should not be an option at this point, let your money grow in the bank and when its the right time to share your blessings, share only base on the exceeding amount of your maintaining balance.
  • 70% Personal Finance- My Personal Obligation falls under this category, my lifestyle, and marketing for my business. This is where everything becomes a jungle for me as I need to find more ways to increase my income while working on this budget allocated and be more efficient and aggressive to serve my clients. I won't talk too much about personal finance because each individual has its own personal monthly obligation such as house rent, electric bills, and even phone bills. It is up to you on how you will manage this.
TIP: Know your fixed monthly expenses which is your personal monthly obligation and also the realistic lifestyle that you have and take an assessment which one are you willing to change and what needs to be eliminated.

Despite the topic of Money is a sensitive issue, many people still don't know the importance of handling their money whether they are professionals or not. In my case, despite knowing its importance it takes a whole level to achieve this formula by starting of changing my mindset. I enjoyed my hard earned money without savings as a saying goes "mayaman ngayon, pulubi bukas"; that compliments well with those people who's mindset or lifestyle of a one-day millionaire and when I realize the importance of handling my money because I was aiming for a bigger goal, implementing it becomes easy and i have to do a lot of self-convincing towards myself on why I did that particular action over and over, and like what I said until it never become an issue to me.

You want something? Then make it work.

 Let's talk more about savings and why you should know where you wanted to invest on our next topic.


The PBB House (CTO)

The Pinoy Big Brother House has opened its doors once again to the new pool of housemates and viewers all over the world and anyone who's excited about how the lives of these housemates would unfold and some like me are definitely thrilled to be see the New PBB House Interior Design for 2018.

As shown in the video for the New PBB House; Suntrust Properties Inc. a Real Estate Developer Logo was seen as a Door Handle must have provided the new development of the area and commissioned IDr. Jennifer Soliman of J-Design Interior Design to do the Interior works, who also did the PBB 737 Interiors.

Checking out the sponsors of the show for the Interior Supplies, here are some list that Interior Designers can check and probably take a look.

Outdoor Area of the PBB House

  • Mahuca Boldozas Tiles for the Accent floor tile
  • Home Suite for Home Furniture
  • Juan's Garden ad Landscaping Services
  • Quanu Furniture for Outdoor Furniture
  • Rain or Shine Exterior Paints

Inside the PBB House

  • Mozzaico Tile for Main Flooring
  • Teresa Marble Corporation for the Kitchen Counter top
  • Masflex Cookware and Kitchenware
  • D for Artworks
  • Wizard of Ads Inc. for Accent Counter Cabinet
  • Ecoshift Corporation for LED Lights
  • Cebu Home Crafts for Dining Set
  • DecoMAS Philippines for Wall Accent
  • Cubesystem for the Turf Grass Wall Accent
  • Sylpauljoyce for Living Area Furniture, Lights and Decors
  • La Sedia Furniture for Center Table

Boys Bedroom and Girls Bedroom

  • APO Floors for Flooring
  • Trendsetter Collection for Bedding
  • Salem for Mattresses
  • RSE Roll Shade Enterprises for Curtains
  • RCA for Modular Cabinetry
  • ARQ Curtains

Confession Room

  • DeltaWood for the Doors
  • EJ Pasia Furniture for the Sofa

Everything has been set and PBB Otso has started airing last November 10, 2018 and because of that enjoy the show's new design and how the housemates life would change, just like MayWard. Hmm... Going back to the suppliers, Did I miss any suppliers listed base on the video provided? Let me know.

5 Reason why we need a Financial Goal


December is the month of gift giving, the month where we spend most of our money to share our blessings and to show our love to family and friends. A time where our Christmas Resolution and New Year's resolution become a long haul of listing and thinking, until we get to see that list again or not all on the next Christmas season.

The point is most of it is 10% become real, 10% was started or about to accomplish and then here's another 50% you're going to this that again for the following year and what's left is the 30% where you plan to change it for some reason just don't think its gonna happen.

We'll let's have it simplified. In my personal perspective I somehow overspend my own savings from my personal obligations up to my impromptu purchases. I have my own guilty pleasure and seasonal mood swings to do things maybe because I'm a creative person or simply because I'm just that or maybe, I don't have a self control over my spending. My answer is all of the above.

Why? Simply because I was living at the moment is some point in my life that I wanted to feel free, free to do certain things that I just wanted to do with my own time and earnings and then when its "gone" the after effect becomes more clear and clearer to the point you plan things out for you not to lose at all.

2018, I gave myself a theme "HUSTLE MORE" this is because in 2017, my year was "HUSTLE", base on the learnings I got from Arriane Serafico's Braver Goals that I had in 2017 and unfortunately I wasn't able to complete it that's fine and I plan to work back on it. Fast forward, Some of my friends were talking about law of attraction and law of gratitude that made me wanted to write about this topic.

2018's theme is HUSTLE MORE to breakdown one of the particular category was FINANCIAL GOAL as one of the Top 3 Important Goals I want to achieve this year on the following reasons:
  1. I'm a freelancer; My earnings will depend on how I work and how things would turn out to be.
  2. Personal Obligations. I have bills to pay that's called Adulting and being responsible to contribute or provide things at home.
  3. Personal Freedom; as young as I was I wanted freedom in general and for me to achieve personal freedom I have to work out on my Financial Freedom despite I think I was a bit late to start it because I felt and realize I wasn't seeing results of my any of my hard work despite all the books, e-books, seminars and YouTube videos I have read and listened to. A little action was made on my part and it was both consistent and inconsistent on different areas.
  4.   The Dora inside of me. "Dora, the explorer" is a children's show and despite me not liking it there are time's I was able to watch it and I love to explore new food and places and anything that interest me. In short, I want to travel as much as I can
  5. and last but not the least, Business funds for my Interior Design Services for me to operate in a larger scale.
and these 5 will have to continue until the following years to come because i need to be consistent on the END GOAL if I wanted to achieve them, the key is to achieve this goal is to be able to provide a better service and understanding of one's self and to take a few steps backwards what matters to you because no matter how many times I write, share and be heard; it means nothing without consistent action on my own part. 

On my next post, I'll share on the ways on How to Achieve your Financial Goal as a creative person.

What am I passionate about?


By the definition of passionate is someone who has a strong desire or strong feelings towards a belief that can lead to a positive effect on our lives or may go to the other way. Looking at the brighter side of everything, passion is a great emotion driven by personal goals and current situation and perhaps, a past occurrences in our eventful life.

I certainly have  lot of passion in life I've got 3 passion that I am focusing and will be focusing on the following year or more on a general word.

Self-improvement: Creativity. Regardless on what field I am, Creativity is something I had since young I love colors and making things out of nothing that lead me of becoming a licensed interior designer. Creativity seeks something to be explored thru personal encounters and stories behind which I enjoy the most. I see things that aren't there yet that people had visualized and when that design is implemented it takes a lot of things to be done in order to have the desired result another thing is to be able to express myself in different ways.

Business and Finance. Discussing about money matters and be knowledgeable on sensitive things such as money can never be a boring topic for me, as long as we don't make it over the top that I wouldn't understand but would try to understand. Business is not for everyone, when everyone can have the opportunity to have a business as it business is an evolving process of ones self and its industry and be able to carry out the best practices that we can share on our next generation or help people who are close to us to be aware of it.

Uplifting Others. One of the things I have instill in mind is that my mom would encourage me to donate the things that I no longer use or things I have lacked interest after using it to give an opportunity to people who may be very happy to receive it. Many past events either in school or a calamity that happened in the country has proven me that up to this day we do practice this and thus in our own little way we have uplifted the lives of other people. As you know a percentage of my professional fee's goes to my tithing and only used to help people.

These three are the things I have been practicing and as I grow older the better I understand the value of it and also be able to be of someones help as i pursue other passion in life.

Launching of Titan Elastomeric Paint


Last October 20, 2018, I got invited to an event of Boysen Paints and It was a last minute invitation given when I found out about it. Mr. Ryan James Mantuahac, President of Philippine Institute of Interior Designers - Cebu Chapter got invited for the launching of Titan Elastomeric Paint and its Brand Ambassador Mr. Richard Yap.

Trivia about Titan

  1. Titan Elastomeric Paint is an Exterior Paint
  2. The Name Titan got its name from a greek god who stands for greatness
  3. Its Brand Colors; Red represent fire for Passion and Blue for Loyalty
  4. The Brand Promises 3 things: Affordability (Mura), Quality Product (Matibay) and Colorful (Makulay)
    1. Titan is another Product of Boysen Paints

    Since I have arrived first in the venue among other Interior Designers, I got a chance to check the Nina Ballroom of Radisson Blu Hotel and also some of the people behind Boysen especially Mr. Stanley Ong and Mr. Dick, who ever got tired to support PIID Cebu Chapter all these years.  Here are some take away of our event.

    This is where the photo op during the meet and greet session

    Before I even had a chance to have my photo taken Mr. Richard Yap had a selfie moment

    That's me (in my school outfit for the day) with Mr. Richard Yap

    Idr. Ryan James Mantuhac (Interiors by Ryan)
    Idr. April W. Escasinas (AWE Interior Design and
    Me, Idr. Emari Grace I. Pimentel )Premiere Design Interiors)

    Idr. Ryan James Mantuhac (Interiors by Ryan)
    Idr. April W. Escasinas (AWE Interior Design and
    Me, Idr. Emari Grace I. Pimentel )Premiere Design Interiors)

     The night was filled with laughter and prices that all the winners enjoyed ad what was unforgettable is the Jack 'en Poy games that everyone enjoyed so far plus Mr. Richard Yap's presence as he serenades all the guest especially the girls and girls at heart. The night was fun and incredible and we look forward to a stronger partnership with Boysen Paints and Philippine Institute of Interior Designers.

    Get to know more about Boysen Paint Philippines Inc. by clicking this link below:

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