Oh no, I am not talking about drugs here! Endogenous Morphine is what we actually know as "endorphins" or the "happy cells". According to Wikipedia, " Endorphins ("endogenous morphine") are endogenous opioid peptides that function as neurotransmitters.They are produced by the pituitary gland and the hypothalamus in vertebrates during exercise, excitement,pain, consumption of spicy food, laughter, love and orgasm, and they resemble the opiates in their abilities to produce analgesia and a feeling of well-being."

Endorphins are always linked to working out or exercising because they are instantly produced after exercising. I am not really a "work-out person". In fact, I hate exercising. But with the pictures of beaches flowing in my news feed in Facebook, I am starting to think otherwise regarding getting a fit body. I've really grown big after the baby came out and looking at the mirror is no longer appealing to me. Also, this is one common suggestion among the list of things to do to make one feel good.

And so I decided to give it a try. I am only working for four days in a row, I jog and do zumba alternately and I am hoping for a great result! Summer has officially begun the end of February for me because I can feel the toil already of commuting amidst the hotness of the weather. To keep me motivated, I decided to blog about it and to read some quotes about working out. To those who wants to get fit and are close to ending what you've started, please don't! Read some quotes here and get your bodies moving! We can do this! Aja!

Be patient, my dears!

And I've just discovered a whole new way of releasing that positive energy when I am down!

I'll keep posting inspirational quotes in my blog to keep us going. Hope these phrases motivates you to keep on moving get that bod you badly want!

Let's do this! Stay positive and pass it on!

Photos from shapes.com

When Friday and Payday collides, always anticipate looooong lines in ATMs, heaaavvvyy traffic, bars and gimik spots a chaos, and coffee shops and restaurants are as full as a Jollibee. To be honest, I never withdraw my salary on a payday, instead I wait 2-3 days after payday before I withdraw my earnings... just because I hate wasting my time in long lines of ATM. :)

For an ordinary employee, payday not only means getting paid for all the hard work, it may also mean "payday" for bills. Credit card bills, cellphone bills, house bills, loans due, etc. Almost 60% (sometimes even higher) goes to their bills that are already demanding for payment. The other 40% would now be the budget for the days to come before the next payday. And because the remaining budget seems too little, most of the time we no longer allot budget for our savings. Instead, we just spend it all and tell ourselves that we will just save when there's an extra pay or bonus. But most of the time, we still don't get to save our bonuses because we also splurge on spending whenever we get a hold of additional money. Are you one of these ordinary Juan Dela Cruz employees? If yes, you may have to rethink your perception regarding saving.

Its not bad to spend money on some luxuries in life, after all, isn't it the main reason we are working hard - to have money to spend? Just be careful not to forget the more important things where your money should be going. Always save even just a little amount every payday for your rainy days. Remember, its not Christmas everyday. Think about your long term goals and little by little do something to achieve. If you just save a little every payday, at the end of the year, you might be surprised how big your money has grown.




The picture above says it all!

Stay positive and pass it on!!

For someone who graduated Cum Laude, was able to grab a great position in the IT field, received numerous recognition for her works, young and beautiful, who would have thought that climbing the corporate ladder is out of her priorities. Marie is a client of mine who is also my friend for years. She's only 24 years old but she is very responsible when it comes to her finances. She's also a blossoming entrepreneur. This pic shows just some of the things she offers:

A new portion of this blog would, from now on, be dedicated to people I've had discussions with regarding financial planning, insurance and investments. This is so readers may somehow relate their own profile with these people who are definitely on their way to reaching their financial freedom.