Money Matters: Credit Card Debt

We were never really taught about credit and taxes and managing funds in school and what little I knew of it, I kind of picked up from books and magazines and tidbits of overheard adult talk.

#moneymatters

I was always amazed at how much power a microchipped piece of plastic can yield. Blinded mostly, by the sheer convenience of just swiping away hard earned salary I literally couldn’t see. There’s a huge difference between paying cold hard cash and paying with a card, and it’s mostly psychological. No money in my wallet, nothing to spend. Simple. Credit card equals “I’ll pay this right after. Will go to the bank. Promise. Wipe this clean next payday.” Etcetera etcetera. The lies I told my 20-something self are now so cringey. 😅

Purchasing power!

Unless you were born into a family of financial gurus (I wasn’t) or was fortunate enough to be exposed to financial literacy during the developmental ages (nope, not I) or was born with an uncanny knack for math, fund management and self-control (def not me!), well then, my friend, we’re probably on the same boat. 😆

When we’re young and impressionable, we don’t initially pay attention to the interest rates or annual charges or the other details in the fine print. Until we have been sucked into the abysmal world of credit card debt.

At one point, I had 4 credit cards with credit limits exorbitant enough to pay for ten of my neighbors’ children. And as i was young, wild, free and reckless, didn’t really bother much with due dates and what nots. Until the bank and the bank’s collection arm started to bother me with it. Bothered me enough to awaken my financial conscience and take control of my wanton spending. What did I swipe for? Shoes, gadgets, bags. Mostly revolved around those items. Long story short, I slowly paid off my credit cards and stuck with only one.😊

Now, I usually prefer paying with a debit card instead. Or cash. Because out of sight, out of mind (this refers to my virtualy tucked away money, whether I really do have money to spend or not) and tangible money or money I can see/smell/touch, triggers my visual brain that no-money-in-wallet means nothing to pay for my shopping.

Cash. Tangible cash.

So what are the simple steps in saying no way josè to piling up credit card debt?

1. Read the fine print a.k.a. T&C (Terms and Conditions) of the bank. Some banks offer low interests rates and zero annual fees. Collect and select.

2. Be aware of your due dates. Calendarize it. Write it down. Set an alarm. Tell your mother. Do it. Pay on time.

3. Self-control. If you don’t need it, don’t buy it. No Lizette, you don’t need 30 Muji ballpens, 10 notebooks and 5 different sizes of acrylic boxes plus a cute stapler.

4. Use the reward points. Credit card companies usually have marketing promos. “Get a free 2 piece Jollibee chickenjoy meal for every Php5000 single receipt purchase.” Yes! That means that’s one free lunch somewhere in the future. Most people use this feature to redeem miles for their #travelgoals but I’m really just happy with free meals.

5. Relative to #2: Pay on time. And pay in full. If you can. The idea of a credit card is to pay for something in advance. This is where the old adage comes in: Give credit where credit is due. (?!) And when credit is due, pay it pronto. This means you are a responsible, trustworthy adult who has enough discipline to maintain good credit standing in all aspects of the banking universe and with this, you can sleep in restful peace.

6. Relative to #5: If you have current credit card billS, the trick is to pay this off with consistency and persistency. Slowly but surely is the key to success. If you’re a visual person like me, type up or write up your budget and expenses in excel file and use the hoarded multi-colored highlighters and Muji pens to really see where your money goes.

Financial awakening is similar to the process of mourning: Denial (WTF I.do.not.spend.that.much.in.a. month!), Anger (pistingyawaanimalkulerabitok kamahal ba diay!), Bargaining (dear self, if you stop spending, I swear I will…*insert half hearted promise*), Depression (huhuhuhu self pity crying) and then finally, Acceptance and Awareness. And I would like to believe that this is where the real journey towards financial freedom truly begins.

Thank you for taking time to read as I’m really just writing this to remind myself not to repeat my past mistakes. 😇 The road to financial awareness is an interesting, but tough one. If you see me at the mall with my credit card, please approach me and check if the items I’m purchasing are essentials.😅 Catch you on the next installment of #moneymatters 🤗

The Skin911 Consolacion Series: Diamond Peel.

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Procedure: DIAMOND PEEL with Complete Facial

A diamond peel treatment is a mechanical exfoliation technique similar to microdermabrasion. This non-invasive cosmetic procedure removes excess oil, dirt, and dead cells on the surface of the skin to reveal the younger, brighter skin cells underneath.

This minimizes the appearance of acne scars, pigmentations and stretch marks, removes white heads and blackheads and tightens your pores. Diamond peels and other facial procedures are recommended to be done every week or every other week, especially for those who use make-up daily. If done regularly, this improves overall appearance of your skin.


Step 1: Facial. The aesthetician cleans your skin with soap and water and applies a facial mask for 15 minutes. A cool cucumber is placed over your eyes to ease the puffiness and provides a sense of freshness and relaxation.

Step 2: Steam. To help open up your pores, warm steam is used.

Step 3: Getting rid of whiteheads and blackheads. The aesthetician then uses a manual pricker and gently removes the remaining whiteheads and blackheads.

Step 4: Diamond Peel. The diamond peel machine is then manually run over your face. This takes out excess oil, dirt and dead skin. You may feel sucking or vacuuming sensations during the treatment.

Step 5: High Frequency. As an option, high frequency machine to help close up your pores and for antibacterial purposes.


Post treatment, you may feel a bit flushed and may have some redness, but this usually goes away after a few hours. It is also highly recommended that you avoid sun exposure in the next few hours and apply sunblock the next day.

For inquiries and appointments, send me a message or call us at (032) 423 4536.

Follow this blog for more #MarketingMama and Skin911 Consolacion updates. 🙂

The Skin911 Consolacion Series: Microneedling.

A little backgrounder: Skin911 is one of the leading facial and slimming centers in the country offering affordable non-invasive cosmetic procedures such as laser hair removal, facials, whitening injectables, slimming treatments and so much more. 

These services, which are widely marketed as beauty treatments for the stars, the rich and famous and the affluent, are made accessible by the Skin911 franchise to people like you and me. We read about these in magazines and browse thru instagram posts but our budgets have no margins for facials that cost 2k per session. #truestory

With Skin911, these flights of fancy are aspirations no more. Self-love achieved. Within our budget. 😉

You’d think that after almost 10 months in operation for Skin911 Consolacion, I would have tried all our clinics services. But no no no, opening the clinic while 7 months pregnant, breastfeeding, maternity leave, going back to work, eldest son starting grade school, the prophesized 7-year-itch marriage drama; life has been one big, hectic, chaotic beautiful mess. And in recent weeks, I have come to realize that in the process of trying to juggle and keeping it all together for everything and everyone else, I have lost all sense of ME.

So here I am, in an act of resolution slash desperation to love myself a little bit more, starting my Skin911 Consolacion Blog Series.

Procedure: Dermapen or Microneedling. 

Microneedling is a dermaroller procedure that uses small needles to prick the skin. The purpose of treatment is to generate new collagen and skin tissue for smoother, firmer, more toned skin. Microneedling is mostly used on the face and may treat various scars, wrinkles, and large pores.

I have always had bad oily acne-prone skin. I have tried a lot of treatments, facials, ointments, creams, oral medication, you name it I’ve probably tried it. Microneedling or microdermabrasion is a non invasive procedure designed to rejuvenate collagen production aiming to give you younger, fresher, more refined looking skin.

First, the aesthetician gives a simple facial to clear your skin and applies a coat of anesthesia and leaves it on for 30 minutes. After this, a dermapen is used to mildly penetrate your skin. A dermapen is made up of tiny, sterile needles. This usually takes around 15-20 minutes and is absolutely pain-free, thanks to the topical anesthesia applied earlier. Post procedure, an ointment is applied and your skin will typically show signs of redness.

The second session has yielded far more visible results than the first. 24 hours post treatment, the skin on my cheeks have started to peel off and my acne spots have dried up. As advised by our trusted aestheticians, no make up, minimal sun and dust exposure in the next 72 hours after treatment.

Crossing my fingers for more positive results from my Microneedling treatments.

Skin911 Consolacion October promo for Microneedling 4+1 sessions for only Php5,000. For inquiries and appointments, send me a message or call us at (032) 423 4536.

Follow this blog for more #MarketingMama and Skin911 Consolacion updates. 🙂