A financial emergency of any kind can send you into a state of mild panic. It could be anything. Perhaps, you need to pay the rent or mortgage in the next few days but have maxed out on your credit cards. Perhaps your car insurance has expired and you don’t have the money to renew it. Perhaps you suddenly lost your job and don’t have the money to pay your basic living expenses. Perhaps you didn’t manage your money and you’ve run out of grocery money and the refrigerator is almost empty.
Besides the crisis itself, you also tend to berate yourself. Why can’t you get a better job? Why do you always forget to balance your checkbook? Why are you always struggling to come up with money? Here’s the thing: this train of thinking won’t help you. What will help you are some practical steps to correct course. Fortunately, your situation may not be as hopeless as you think. Here are some steps you can take to get back on your feet again:

It was a night of fun, surprises and sharing during the annual Get Together party of the Filipino Bloggers Network (FBN), one of the most active bloggers group in the country, last December 12 at Salu Restaurant in Quezon City.

With almost 2,000 members across the country, FBN continues to expand as it provides a venue for Pinoy bloggers to interact with other members through discussions and posting opportunities from different brands and PR partners as moderated by co-admins Divine Reyes and Richard Mamuyac. MetroBuzz Bloggers, led by its admin Lariza Garcia, even made the event more fun-filled and exciting in its fifth year.                                                             

Crave Healthy is the first snack product in the Philippines that is specifically designed for the pregnant woman by doctors and nutritionists.



It’s NUTRITIOUS because it contains essential nutrients – Folic Acid, Iron, and Calcium that are critical for both the mom and her growing baby. It also has reduced salt and just the right amount of calories that give the pregnant woman that extra energy she needs daily.

It’s DELICIOUS because it tastes just like her regular snack. Crave Healthy is currently available in Sweet Corn flavor and does not have any aftertaste of nutrient fortifications. It helps support the nutritional needs of pregnant women and their developing fetus.

A healthy way to satisfy hunger and food cravings of pregnant women!

A pack of Crave is worth Php 25.00 at 30 grams each. It’s available online at www.cravehealthysnacks.com, select Med Express branches, and select Robinsons Supermarket outlets.

Have you ever experienced a day wherein nothing seems to go well, that no matter how you try to choose the right path, you keep making the wrong turn? Just like having a bad hair day, no matter how many times you comb your hair, it just would not budge.


Life can be challenging at times but there will always be a way to resolve these challenges and come out victorious. Having this in mind will be easy to keep your patience and continue to move forward.
Just like losing strands of your hair due to factors beyond your control, you too can do something.

• Eat healthy – Eating the right food can alter your mood. Having low-level of folic acid in your body can cause anxiety, hence, food such as asparagus, avocado, salmon, and almond are recommended to fight stress hormones.
• Stay calm – Listen to comforting music and reading feel-good stories can help switch you to a calm mood.
• Exercise – Exercise releases endorphin that can relieve you from stress and anxiety.
• Supplement –Taking in Vitamins such as B-complex can alter mood swings.

Don’t let your stress factors contribute to your hair loss. Letting yourself succumb to anxiety will definitely show up to your follicles and this can lead to more hair loss.

Hectic schedules and pressure from work, not to mention the pollution and filth outside easily make you feel unease and, at times, irritable. Slow down a bit, have fun and relax. There’s no better way to begin with your mane.

Tip 1:
The stroke of a comb can give you a soothing feeling while, at the same time, help unleash the natural oil of your hair.

Tip 2:
Stay away from getting pigtails, hair weaves, braids and tight hair rollers, which can pull and stress your hair.

Tip 3:
Avoid perming, straightening or coloring because they contain toxic chemicals that could cause damage to your locks.

Tip 4:
Choose natural. Use NOVUHAIR topical solution. Apply liberal amount on to your scalp and hair. Massage it gently for -10 minutes to help permeate deeply from root to tip. NOVUHAIR is packed with 19 natural ingredients that help promote growth, nourishment and rejuvenation of your tress.

NOVUHAIR is available at Mercury Drug and other leading drugstores nationwide. For more information, please contact hotlines 4136570 and 09228830575 from Monday-Friday, 8:30am-5:00pm or visit www.novuhair.com

Women like you, who are always on the go, seek to strike a balance between work and personal time to be able to enjoy life to the fullest. That is why you need to stay fit and attractive, to look good and feel good whenever you can. You have unique needs that only women like you truly understand.

The healthcare industry administers symptomatic, healing, and services that remedy patients with sickness and diseases. These healthcare workers such as the doctors, nurses, and medical staff use medical jargon's that consist of Latin or Greek suffixes and prefixes. When talking about medical jargon is okay because it's significant to their profession. But, to a patient who doesn't know about it, perhaps, a plain English explanation would be better to understand.

My family and I spend our Christmas together in the little abode - The Internet shop. We didn't go anywhere. My husband decided to close the shop on Christmas day. So, we will have time for each other and do the things as a family.

Guess, I miss being in a real house where there are no computers around. I just imagine and feel contented going around cleaning and washing clothes as a wife does for the family. While my husband was cleaning the parts of the personal computer in each cubicle. My son was busy on the computer watching animated series for kids.

The only thing I can't do is cooking for Christmas. We do not have a kitchen. But, there's a hospital kitchen nearby which is two doors away from the shop. If you are wondering, the Internet Shop is part of the hospital building. We are hesitant to use it. So, we decided to buy cooked foods from a restaurant. We bought food that's enough for us to eat.

Our food for the eve of Christmas was simple. It consists of a:

• medium-sized platter of Filipino-style (sweet) Spaghetti
• one whole Lechon Manok, it's a whole size of chicken cleaned, spiced and grilled on top of a charcoal ember. 
• A small platter of Pancit Bihon,   
• 2 Loaves of Bread
• 1 liter of Coca-cola

You're wearing a garb for the holiday with an elegant gift for a kris kringle or gift-giving to your love ones and friends. But wait! Check on the mirror, is your hair set for the season's party?

Fresh from the shower, you look attractive and yet it is momentary. Since we live in the tropics, it spoils our looks making us feel sweaty and smelly. The persistent changes of our weather makes our hair dry and delicate.

The school and college life is full of assignments. Each and every subject tends to have some or the other topics on which the assignments are meant to be done and various examinations and marks depend upon the assignments submitted by the students as asked by the teachers and professors. Doing an assignment involves in a lot of time, effort and creativity along with knowledge and planning.

It is indeed the most wonderful time of the year. From frenzied last-minute shopping sprees to multiple Christmas parties, we really can’t deny that the holidays are just around the corner. But, despite all the infectious merriment that the holidays bring, we also cannot deny the fact that all the stress the holiday season brings can absolutely take a toll on your skin with all the late-night partying, non-stop eating, and mad traffic we all have to deal with.
So how do we deal with these skin SOS and still be as glowing and youthful during the holidays?

On it's annual celebration, the Filipino Bloggers Network (FBN) marks the 5th year of its togetherness into a get-together and christmas party. Filipino Bloggers Network with the help of sponsors and its partners who gives support has become a progressive group in the country. 


Salu, a famous Filipino restaurant in the Quezon City area will be the host for this affair on December 12 with another co-main sponsor SvelT'i, a health clinic that gives advanced health and beauty treatment.

The FBN members assume the function as a moment to make new friends and catch up with old friends. Representatives from different PR groups and brands will assist the event to thank members of the online community.

When my parents were both alive, they went into a real struggle within their married life. My father found someone else while working in an appliance store. It was sad and painful for her. I'm affected by it.

My brother was starting in college. He took Bachelor of Science in Marine Transportation in a private school. With all the stress surrounding her, my mom couldn't think straight for a moment. She was thinking of my brother's tuition fee and other expenses. And God is good. God gave her the wisdom to think or solved her financial situation. This is what she did!

Selling Blankets Made from Flour Bags
My mom went from one bakery store to another to buy unused flour bag. One bag costs is only $0.22 or one peso. To clean it, she shake off the remaining flour, soak it in the water for a while before washing. To remove the prints from the flour bag is risky. She uses gas, a liquid form bought from gasoline station. It is usually used for lighting a lamp. When the flour sack is clean, she starts to sew two flour sacks. Two flour sacks is equal to one blanket. A blanket made of flour bag is $2 or P100.

Help from Relatives
In my eyes, I am so astounded from the relatives on my mother and father's side. They help her in my brother's tuition fee and fare in going to school. My heart was full. I am overwhelmed to see them do it. Thanks to them. For my part, I did send her money for little brother's school.

Playing Bingo
Bingo is a fun activity for low-income Filipinos. You pay for a few cents, if you win, you'll get $20 or one thousand pesos depending on the amount you played. My mom tried her luck with playing bingo games. Since, I live far from her, a niece told me how lucky she is. She won not only a thousand but thousands. She used the money as a fund for my little brother's tuition fees and other expenses. She sent a tithe to a church for thanksgiving mass. I am thankful that my mom knows how to play and used it.

This is how my mom sent my little brother to school. It's nothing to be ashamed of because it's an approach to do good for the family.

Sponsored By: Lucky Baby World

Hosted By: Love, Mrs. Mommy

5 WINNERS will receive: 

A YochiYochi 3-in-1 Safety Harness! Can be used as a walking harness, portable high chair, and cart safety strap. $135 TRV Giveaway!

Who does not want these prize packages as giveaway for your little girls? I bet if they see these, they don't like it but love it! Join us and enjoy this moment. Who knows? You are the winner! You will get the prized package for your girls. So, join us now and submit your entries.


Are you looking for some glamorous stocking stuffer gift ideas for your little diva? We've rounded up some beauty products that will bring her hours of fun long after the holidays have ended. These unique beauty gifts are sized perfectly to fit into a stocking and will bring a smile to her adorable face. For another unique idea take a look at Tiffany's Mother and Daughter Pampering day over at The Mommy Island!


First up in our stocking stuffer roundup is the Pink Fizz Girls All-In-One Mega Glam Beauty Binder- Kids Pretend Makeup. This fun set is non-toxic and washable so your star in training can play all day without any worries!


Next up is the Totally Friends Cute Monkey Shaped Kids Makeup Vanity. This compact monkey-shaped case will make her squeal with delight when she opens her stocking. Including eyeshadows, lipgloss and more she can take this compact vanity anywhere for some glamour fun on the go!

Last in our beauty trio is the My Beauty Spot 7 Piece Flavored Lip Gloss Gift Set. Featuring seven delightful lip glosses so she'll have one for each day of the week. Sweet flavors included are, Jelly Berry, Candy Blast, Icy Mint Kiss, Blueberry Pop, Vanilla Sugar, Cherry Bomb, and Raspberry Fizz!

Three lucky entrants selected by the entry form will receive the Stocking Stuffer Beauty Prize Package! (ARV $35) This package features the 3 beauty products mentioned in this post. (subject to availability) Open to entrants in the US, 18 years and older. Participating bloggers are not responsible for prize fulfillment. Sponsor is responsible for prize fulfillment. This event is open for entry from 11/15-11/30/17 at 11:59 pm EST.

Everyone needs a money manager to manage their monthly expenses and income. It is very important to keep a track of your personal finance. Well, if you’re in need of a helping hand, then Spent Money is your best option. It is your ultimate expense manager, money tracker and receipt scanner that will help you manage all your fiscal needs. It permits entrepreneurs and freelancers to easily handle their day to day transactions and finances while getting cash back to increase a few bucks in their wallet.

Vietnamese iced coffee is delicious paired with Banana Tree's Vietnamese food. Get one at your favourite Vietnamese restaurant in Soho or find the recipe here.

The ritual of coffee is a beautiful, magical thing. From the gentle sound of the water boiling to the rich, fruity, chocolatey aroma that wafts from the steeped grounds, coffee brewing is a deeply sensory experience that drives true espresso enthusiasts to obsession. Still, the flavor of coffee isn’t for everyone – naysayers often suggests that it’s too bitter or acidic for their liking (crazy, we know).

Fortunately, the Vietnamese have invented a coffee drink that will satisfy the tastes of both coffee fanatics and cynics alike. Ca phe sua da, literally ‘coffee, milk, ice,’ is easy to prepare and even easier to drink. It’s made by combining a rich dark roast coffee with sweetened condensed milk over ice, resulting in a beverage that tastes more like a milkshake than your typical morning brew.

Coffee skeptics needn’t be concerned about bitterness or acidity when it comes to ca phe sua da: the coffee lends just enough of its flavor to give the drink complexity, but the sweetened condensed milk adds a creamy hit of sugar that really steals the show. Plus, serving it over ice further mutes any harsh notes from the coffee – it’s science!

But just because ca phesua da is ridiculously drinkable doesn’t mean that coffee snobs can’t enjoy it, too – the beans used to make a traditional Vietnamese iced coffee are undeniably strong and aromatic, and the sight of sweetened condensed milk gracefully swirling through a glass of thick black coffee is enough to bring a tear to any barista’s eye.

Ca phe sua dua is excellent any time of day. Its buzzy sweetness makes for a great afternoon pick-me-up; true coffee lovers have been known to sip it for dessert in place of a decadent pudding. However, our favorite way to enjoy this special drink is alongside an array of authentic Vietnamese dishes like the ones at Banana Tree. There’s nothing like slurping a steaming bowl of pho and cooling down your mouth with a Vietnamese iced coffee between bites.

While you aren’t likely to find this drink in your neighborhood coffee shop, it’s worth a trip to your favorite Vietnamese restaurant in Chelmsford to order one. If you’re really feeling adventurous, you could even roll up your sleeves and try your hand at making ca phesua da for yourself.


The classic preparation for ca phesua da calls for the phin filter, a Vietnamese drip coffee maker similar to a tiny French press. You can use whatever coffee maker you have on hand a pinch, but for the full experience, look for a phin filter. We also recommend choosing a Vietnamese or French dark roast. You want a coffee strong enough to sing through the sweetness!

Once you try ca phe sua da, it’s likely to become the only thing that’s able to get you out of bed in the morning – though you may just find yourself craving some pho for breakfast, too.



150ml strong brewed coffee, preferably a Vietnamese dark roast
3 tbsp. sweetened condensed milk (or to taste)
Ice

In a glass, stir together the brewed coffee and the sweetened condensed milk. Pour into another glass filled with ice, serve and enjoy.

Happy Holidays! What are your plans with your family? Is it going to movie or watch a theater plays? Why not bring your family to a magical stage production? I'm sure it'll make your family happy and excited especially the kids.

Make Christmas magical this year with Cirque Dreams Holidaze! Holidaze is a multi-million-dollar live stage production with never before seen performances, over 300 costumes, 20 of the world’s best acts, the finest singers, original music and seasonal favorites. See snowmen, penguins, reindeer, gingerbread men, Santa and more!



See Cirque Dreams Holidaze from Friday, December 1st through Sunday, December 3rd. Tickets range from $29-$69 and can be purchased from Olympia Entertainment, The Fox Theatre box office and TicketMaster.

For more information, visit: www.cirqueproductions.com

Performance Schedule:

Friday, December 1                 7:30 p.m.
Saturday, December 2            3 p.m. & 8 p.m.
Sunday, December 3              2 p.m. & 7 p.m.

Enter to win two tickets to see Cirque Dreams Holidaze at 7:30pm on December 1st in Detroit at the Fox Theater! Giveaway is sponsored by Olympia Entertainment.

Disclosure: Stingy, Thrifty, Broke and all participating bloggers are not held responsible for sponsors who do not fulfill their prize obligations. This giveaway is in no way endorsed or sponsored by Facebook or any other social media site. The winner will be randomly drawn by Giveaway Tools and will be notified by email. Winner has 48 hours to reply before a replacement winner will be drawn. If you would like to participate in an event like this please contact ninamcclain (at) stingythriftybroke (dot) com.

I know it's late for the Halloween. But, I'd like to share these short stories that happened in my life almost 40 years ago. These happened in different stages of my life. This is my real, my Halloween tell-tale short stories. It's up to you if you believe it or not.

When it comes to a woman, how do you define it? I think everyone has a number of responses in defining a woman. But, how about defining a Michaela Woman who has a standard and value of its own in terms of fashion and integrity.

While looking into the mirror, have you seen the baldness in your scalp? Are you confused and desperate on what to do? It's natural to feel the need to do something about it. All you have to do is tell your friend or go to a doctor. Due to low finances, some people buy an over-the-counter chemical-based hair loss products. Here are the reasons why they tend to buy these products on impulse.

• They claim to be effective.
• They say the healing effects are felt quickly.
• They are widely available.
• They appear to be cheaper.
• They claim to be safe.

Sounds tempting, though, be wary enough that once you delve into the nitty-gritty of these products available to allegedly promote hair growth, you’ll see why they may not exactly be a perfect fit. These are some of the negative possibilities when you use chemical treatments:

• Serious side effects like tightness in the chest, difficulty in breathing, rapid heartbeat (tachycardia), and swelling of the hands and feet. These are actually some of the possible side effects of the hair loss drug Minoxidil, which is said to cease hair loss and promote hair growth. 

• Most chemical products say they can “treat” alopecia, but reading the fine print will lead you to discover that it actually just slows the progress of hair loss. Little is said as well about these chemical treatments actually promoting hair growth.

• These products or “treatments” usually contain a variety of chemicals that may or may not cause allergic reactions. It pays to check the labels. Some chemical-based products may actually be presenting the side effects as the main effects. Let the internet help you on your personal research.

There may be safer and effective alternatives out there, but NOVUHAIR is a stand out among the rest. It has 19 natural ingredients—standardized herbal extracts, essential oils and co-factor nutrients that work in synergy and have been clinically proven to help stop the progression of hair loss, aid in stimulating hair growth, and reduce excessive hair shedding.

NOVUHAIR is available in the Philippines at Mercury Drug and other leading drugstores nationwide, Seafood City supermarkets and other Filipino/Asian stores in the USA and online at www.novuhair.us and at BeeOrganic in Kuwait. International online orders are also possible through regaloservice.com. For more information, you may visit www.novuhair.com or contact hotlines 4136570 and 09228830575.

Don’t make yourself fall as the next victim of the trap. Be smart, choose natural.

There are three great things you can do with your family: have an adventure, experience new cultures, and make memories. One of the best ways you can do this is by traveling. Getting out of your usual environment awakens curiosity in you, your spouse, and your children. Being in a new place helps you open up to new experiences that you would not otherwise consider. What are some places you can visit that would allow you to experience a new culture and make lasting memories with your loved ones?

Go on safari in South Africa

Visiting a wildlife reserve as part of a trip to Africa is an excellent way to experience a culture that is not your own. Not only are you getting out of your comfort zone, but you are getting out of the comfort zone of most people – and hanging with an entirely different life form. Taking some time to explore Kruger Park in South Africa or the reserves of KwaZulu-Natal province can provide great, memory-building experiences for an animal-loving family.

Hike the Viking Trail in Newfoundland

Take an entire week to hike the nearly 400-mile long Viking Trail in Newfoundland. Starting in Deer Lake and ending at St. Anthony’s near the tip of the Great Northern Peninsula, you'll march along rocky coastline through many picturesque, but sparsely-populated fishing villages. If you have the time, a side trip to the UNESCO site at L’Anse aux Meadows or Labrador would be a great addition to the trip. Staying at the Courtyard by Marriott in St. John's is also a great choice for a base camp.

Camp out in the American West

The southwestern United States is full of beautiful sand-and-stone vistas perfect for family camping and hiking trips. Some of the places you can visit together are Monument Valley, Yellowstone National Park, Bryce Canyon, the Grand Canyon, and the Valley of Fire. While most opportunities involve lots of hiking, water sports, horseback riding, and Native American attractions also abound. On top of that, if you want to take a break from the mountains and deserts, there's always Las Vegas with every conceivable entertainment choice available.

Experience the sports, nature, and culture of Argentina

You'll have to spend more than a few days in Argentina to get a full taste of what the South American country has to offer – starting with the vibrant and cosmopolitan Buenos Aires, where, according to Mike Unwin, “you can stroll the historic Plaza Mayo, tour Bombanero Stadium or saddle up on an out-of-town estancia for a polo lesson in the noble sport of polo.” If you prefer nature to a metropolis, you can take a hike down a jungle trail, go kayaking around the shoreline of Patagonia, take in the ice panorama of Los Glaciares National Park, or sail through the Iberian wetlands, home to caiman and capybara. There no end of things to do, places to go, or sights to see in Argentina, and you are guaranteed to make some great memories with your family.

Regardless of the trip you and your family take, the most important thing to remember is that you stick together, have fun together, and help each other enjoy our adventure. Because, in the end, it's not the place you go, but the people you go with that makes it worthwhile.

October is my birthday month. I am a certified Libra! 

Overnight Oats By Dave's Naturals (Simple, Delicious, Awesome!) Plus A Giveaway! Ends 10/27

Win one of these delicious and ready-to-go Overnight Oats. It's rich in protein and tasty oats which is good for your family. 

Deliciously Savvy is hosting a giveaway in which one lucky winner will receive a Variety Case of Overnight Oats (2 of each flavor). These are delicious and nutritious breakfasts for the family that are ready to go when you are. Enter Today & Good Luck!

Read My Review Here

Sponsored By:

WEBSITE ~ FACEBOOK ~ TWITTER ~ PINTEREST

Hosted By: Deliciously Savvy

And Now To The Delicious Part.....

~~~~~~~~~~~~~~

1 Lucky Winner Will Win a Case Of Overnight Oats. 2 of Each Flavor.

Good Luck! Enter Below

Also we all “love it if you like us” on Facebook!

By Supporting Our Blogs Via Social Media You Are Helping Us To Provide Fabulous Prizes For Amazing Future Giveaways! Good Luck & Thank You!