Thursday, October 2, 2014

Saving Tips for Young Professionals and Online Shoppers

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Saving…

That is just so wrong to hear. For a young professional like myself, I like to exhaust my money on things that I like – shoes, apparels, accessories, makeups, headscarves, and so on. There are just too much stuff to buy and so little money to spend. Especially in today’s era where e-commerce and online shopping is in, I have really a hard time getting rid of the impulse buying.

My mother always tells me to save for the future. I just can’t. If there is something I like, it is almost always a go signal; unless, I don’t have enough money to spend of course. Don’t you just hate it when your means doesn’t permit your desires?

Even though it is kind of hard to master the art of frugality, let us discuss on how we can actually give it a try. I just hope this doesn’t just end up here in my blog. Lol

Save First then Spend the Rest

Srsly, every freaking financial person would tell you this. You have to save a portion of your income first before you spend. What is left is for your consumption for your basic needs plus other wants. Let’s say you have an income of 20,000 per month. You should allot a percentage of your income to your savings. For example, you decided to keep 25% of the 20,000 as your savings, thus you have at most 15,000 to consume for the whole month. The 5,000 goes into your savings account restricted for the future alone and not to be touched.

Distinguish your Needs and Wants

You must always distinguish your needs and wants. Needs are what you must have or you will end up dead. Wants, well, you can live without them but having them will make you happy or double your status, etc. Needs and wants are relative. I can need something, but for somebody else, it is just a want. Or somebody could need something, while it is just a want for me.

As an example, let us say your needs for the whole month – rent, food, transportation, communication, etc accounts for 10,000 of your 20,000 income. Then you have 5,000 to spend on your wants. This way you have kept something for yourself and bought want you want.

Wait for Discounts and Sales

Most of the online stores I know almost always have their monthly sales. Be it clearance or just the usual sale. For your wants, wait for them (unless, you are quite sure that they won’t put your item on sale). As for me, I am the type of person who will wait for the sale or who will lurk out for discount codes in the internet. They are always my shopping best friend.

If an item is listed with a price of Php1000, and I found a 20%  code, then I have saved 200 from my purchase to use in another one using coupons. What a relief! :D More shopping to be done. hoho

Lately, I just found out that Nordstrom, one of the biggest clothing stores in the US, always give out coupon codes. And they’re available in the Philippines.



Nordstrom available in the Philippines?

Oh, good Heavens!

After this blogpost, I am going to hover to the Nordstrom.com to check what they have for me. I bet, heaps and heaps of amazingly discounted clothes and fashion items. Drools. If you are going to do the same as I will, then you have to check the Nordstrom promo codes before purchasing anything.

It’s high time we save up, girls – for more shopping experiences. I am serious. If we learn the art of frugality, then we have more money to spend on something else, and more money to save. Here’s to saving and shopping!



Toodles,

K



Sunday, September 28, 2014

ViDEO | Soft Pashmina Hijab Style Tutorial

1 Response
It's been a while since my last hijab tutorial video, so I am updating my tutorials section again. In sha Allaah, I will be posting a lot of tutorials in the future. <3 This video was uploaded a week ago on Youtube together with my vlog. I made sure that I post it here on a later time.

I will be sharing in this tutorial how I usually wear my soft pashminas. As you know, Pashminas come in different textures, thickness, etc. If you have the light and soft ones, that would be perfect for this style. Other soft hijabs may also do the trick.





I hope you learned from this tutorial. Till the next one. ^___^



Toodles,

K


Wednesday, September 24, 2014

The Evolution of Cowboy Boots

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Have you ever thought about the whatnots of the booties that you love wearing especially on winter days? If you have no idea about the boots you wear, then this is the right spot for you.

There is no such thing as winter in my part of the world, but cowboy boots surely have reached the Philippine shores. In this country, cowboy boots are mostly seen in race tracks and horse stables. You do not see people wearing it as part of fashion, though there can be minimal exception. There are some people who really can handle the hot weather to be able to strut around cowboy boots.

Recently, I have seen many people wearing boots here in my place. I love the looks the boots can pull off actually. If given a chance to experience winter and autumn, I would love to be able to wear cowboy boots, too.

Moreover, let us learn the evolution of the boots. I am sharing to you an infographic I found on the net. It talks how the boots came about. We will be able to learn more about the boots’ names and characteristics, as well.

Just scroll down to know more. Enjoy learning!


The Evolution of the Cowboy Boot



Toodles, 

K


Monday, September 22, 2014

VLOG.01 | A Day at the Office

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Salams.

Yes, I started vlogging again. Well, this might be a start of my vlogging career. Lol at that. I am never good at projecting in front of the camera especially if it is live. So, expect my worst on my vlogs.




For the record, I used the front camera of my phone to film most of the parts of the video. So, expect some blurs and pixels. Gee, I guess I need a better camera (and a better internet connection to upload faster for the matter).

I filmed a hijab tutorial also and it will be up on the blog anytime soon. ^___^


Toodles,

K


Monday, September 15, 2014

My Dunya Goals

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My life currently revolves around my work, postgraduate studies, blogging, nursing my sick mother and looking for ways to a brighter future. I actually have actualized everything that is happening to me. And I am being optimistic about everything. But, there will always be a time that I wish my dreams would happen in a snap of a finger. I mean, busy is an understatement to my current state.







I have hundreds of things that I want to happen in my life. Of course, nothing worth having comes easy, so I have to persevere. I have been jotting down on every piece of paper my goals in this life. I have goals for hereafter, but that is not the case here. Let us put that in another blog post, thus the title, my dunya goals.

Now let me start dreaming and eventually, I hope I touch your thoughts to dream with me, too.

Post Graduate Degree in Business
When you have graduated from college and currently are working, you would probably be thinking of the next step. And this is something that is always keeping my mind preoccupied. You probably know that I am currently taking Masters in Public Administration, and I like it. But, I would be very much happy if I am studying a business course which is in line with my profession.

I know that when I finish master’s degree, I would be dying to have my doctorate. Well, let’s save it for later.

What matters is I really want to pursue further studies as of now. And I want to study abroad. I do hope this materializes soonest.

More Challenging Work Experience
I am not saying that my current work is a bore, but being a person with angst, I want to experience more challenging and complex work in the field of business and accounting. It is just recently that I realized that accounting might really be my calling. I mean, after all the hurdles in college, it is just in my review school (CPAR) that I really enjoyed it. Call me late-lover. Haha

This is why I wanted to advance my studies in the field. If given a chance, I would do it right this time. I would give it my best shot. Everyone knows I didn’t during college days. Lol. I was in the state of confusion that time. This is why I want to do it my usual way from this day forward. 



Travel Abroad
There isn’t any person I know who does not want to see other places and experience different kind of culture. This is what I intend to do. I want to save for future travels starting with Southeast Asia. Indeed, I want to see each member country of the ASEAN, especially Indonesia.

On the more optimistic note, I want to travel the Silk Road. I have been telling everyone how this has been my all-time dream travel. And I want to make it come true. With a lot of courage and determination, I believe I can. Of course, I need to be a linguist first. I could just imagine the beauty of Allaah’s creations while experiencing them first hand. It would be amazing!

Get to Know my Long-Lost Indonesian Relatives
If you happen to be from Martapura, Banjarmasin, you might want to help me locate my other relatives there. By the way, I am a 5th generation ascendant of Mohammad Taib, son of Datu Abdurahman (brother of Datu Ahmad from Brunei). According to my family tree, they are related to Mohammad Arsyad al-Banjari.

My family story goes back to the kidnapping of his brother, Mohammad Said, who was sold to the Sultan of Sulu. He, then, was held as slave by several officials, but later on got his freedom from a Panglima. The males of the family in Indonesia needed to disperse to look for him. From what I know, only the females and some kids were left in Martapura. It is the reason why my family is all around Asia.

We have already met with those in Brunei; actually we are building a family bond. In fact, we are creating the Sarsilah of the family. I do hope I can meet everyone. I’d be happiest.

If you happen to know this story and know my relatives, I would really be happy if you can drop me an email (ayahxoxo@gmail.com). I am dying to meet my relatives.



Start my Own Clothing, Hijab and Accessories Line
Since I am inclined in business and modest fashion blogging, I have always wanted to start my very own line of clothing, accessories and hijab. I want to design everything myself. I want the products to have their uniqueness compared to the others in the market. I want to create something that is new but acceptable in Islam. I want it to be original yet comforting. Ah!

I know I can do it. I just have to have the right amount of money, creativity and a splash of confidence to be able to do it.

Grow My Blog Audience and Talk to People
Every blogger’s dream is to expand his or her audience from the usual. We always want the numbers. Though, getting loyal readers is the first priority, we also daydream of the moment when our blogs hit big time, internationally. I want my blog to reach more screens, in time. I want to be like Hana Tajima, Dian Pelangi, Shea Rasol, Vivy Yusof, Basma K, and many others.

I also want to be able to touch more lives in the world. I want to be able to talk about blogging and inspirational whatnots. As a matter of fact, I have been dreaming of the day that I can meet and greet every individual who shies away from commenting on my posts or sending me an email and just rather read silently.

Btw, I am open for invitations to talk to an audience, as long as it is about blogging and my niche: Muslim modest fashion. J Send me an email at ayahxoxo@gmail.com.

Endorse a Product/Be a Brand Ambassador
Haha! It is true. I have dreamt to be on a billboard, or on your favorite website advertisement. I know this is me being superficial. But, I kind of fantasize it every waking day of my life! Hahaha. I find it very funny, though. Seriously though, I want to be like the Enciso sisters – from bloggers to brand endorsers.

I wonder which product works for me. Perhaps, SM Accessories? AHHH!!! Hi SM execs! Pick me. :D :D I am an email away!

Write for a Magazine
I have previously owned a style blog which caters to every fashion-minded person. Currently, I run an interior-design blog, as well. Writing for fashion or interior designing is a dream so clear yet remained untouched. In time, I will polish my writing skills to be able to write for magazines and the like.

Maybe one day, you’d be startled to see my name on the magazine you just picked from 7eleven or Mini-stop.

Start an Interior Designing Career

If you are an old reader of my blog, you know how frustrated I was when I wasn't able to take interior designing. It was just painful. I am glad that I was able to graduate accountancy even with the frustration in my subconscious. 

However, I am not the person who gives up on dreams. I am looking at the other side of the brook when the probability of getting a crash course on interior designing is high. 

I also wanna have my own house and design it. Ah! It would be perfect. I can just imagine what my house would look like - mixture of minimalism, vintage and Tausug culture.

Drive and Own a Pink Sports Car
I am a sucker for pink. Need to explain? Lol. And sports cars would look really girly in pink, right? That’s why I want to own one. I guess I would need to add more hours to my day to be able to get one. Well, I am optimistic. So, I will have one!

Get Married
Many people would chat me on FB again regarding this.

Of course, I am a girl. And a girl can dream of fairy tales and happy endings, right? While every fairy tale story ends with a wedding, I want my happy beginnings to start with it. Just like what Vice Ganda’s commercial flick says, “happy lang, walang ending.”

The greatest advice our elder sister in Manila told us, reviewees, was:

“Lahat kayo, iniisip nyo sa ngayon ang endpoint nyo ay ang exam. Iniisip nyo na magiging sagot yon sa mga paghihirap nyo. Pero isipin nyo na sa dunyang ito, ang patutunguhan ng bawat isa sa atin ay ang pagaasawa. In fact, isa itong ibadah. Kalahati ng deen natin ang pagaasawa. Ganoon ito kaimportante. Kaya piliin ninyong mabuti ang magiging partner nyo. Kung ito ay ang magdadala sa inyong ibadah sa kapahamakan, magisip kayo. Kaya ngayon pa lang, ihingi ninyo ng dua ang magiging partner nyo. Ihingi nyo kay Allaah na bigyan kayo ng asawa na may takot sa kanya. Kung nagkataon, maganda/gwapo, mayaman at may estado sa society, aba plus points na yon. Pero ang character & deen ang deciding factor dapat.”

From then on, I looked at marriages in a different perspective. I looked at it as full of blessings and worship. I looked at it as a bond between two people who promised themselves to help each other in dunya and for the akhirah. I have come to look at marriage way beyond the too-good-to-be-true glamorous weddings we see in fairy tales.

It is the healthy and happy marriage that I am praying for.


Dreaming is a way of hoping that things you like to happen will happen in the future. What I like about dreaming is that it comes handy, is free and with a leap of faith, you can achieve it. They say if you believe it, you can achieve it.

I believe in my dreams. I will achieve them. I just need to work for them. And I will. Who’s with me? J



 
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