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3 Tips to Look for a Comfortable but Affordable Apartment


Finding a comfortable and affordable apartment is a feasible goal. However, doing a little research and planning is important before finding a place you can call home.
These three tips will help you in terms of searching to find one that fits your budget and screams comfort. Your home is your humble adobe that offers shelter, a place of rest and of production. Take great care to find something that you can afford and you're comfortable in. 


Image from Flickr
Budget Wisely
Much with any other important financial decision in life, budgeting is the first step. Take time to track your income each month as well as bills and other expenses. Most finance experts suggest you do not spend more than 25-30% of your total take-home pay each month on housing. Also, when searching for a new apartment, keep in mind that you most likely will have to pay a deposit and oftentimes both first and last month's rent, so plan accordingly. Tracking spending every month (not just when you're finding an apartment) will keep you more responsible in terms of your money. 
Rent Stabilization and Your Financial Future
While this isn't a requirement, for someone looking for affordability, this may be the best way to go. Rent stabilized places allow you to lock in a monthly rent price for an extended period of time. This means you can create a budget for yourself and stick with it. When looking at apartments, ask the rental manager for the Rent Stabilization Rider. It will explain the rights of the tenants and the owners and lists the rent and how long it is in place (most are 10-20 years). 
Choose Location over Cost
If you're still struggling financially even after you created a budget, then choosing a place outside of the city or a highly populated area may be for you. Debt is around us, you may be paying back expensive student loans or just have other finances that aren't allowing you a sufficient amount of money for rent each month. Look in less populated neighborhoods for apartments and research what they're asking for. It's important, however, that you don't compromise safety for price. 
These three tips are just some of many that can be implemented when searching for comfortable and affordable san francisco apartments. By being financially responsible, you can do almost anything. Every penny saved can be used for to achieving the humble apartment you're dreaming of.

Do you have other great tips in finding affordable yet comfortable apartments? Share your ideas in the comments section.


Our Log House in Bukidnon


I have always been a lover of  log furniture. This started when  my parents brought us to our small log house in our farm in Bukidnon.  We spent our summer at our log house away from the hustle and bustle of city life.   That was in the late 70's...now our farm was turned into a pineapple plantation of Del Monte Philippines. My parents leased it to DMPI in 1985. What was left with our log house were reclaimed wood dining table , chairs and double-deck bed. Other furniture were either given to our tenant or were sold . I hope to  build my own log house someday.

Wordless Wednesday & #17 BPC


Thank God we were able to retrieve my girl's photo frame after the flood. She was so happy upon seeing it.
This is my entry for Wordless Wednesday  and Blog Photo Challenge.

How to download videos from Youtube

It is true that most of adults know very little about world-wide web. Most kids end up teaching their parents on how to configure, upload, download , covert files and install programs. Sad to say I am one of them...

The latest that my son taught me is how to download videos from youtube . He created first my " you tube" upload my videos and start downloading videos from you tube.Wow! It took him  less than an hour to download 10 videos.  Now I am on the process of uploading my blog contest videos and my travel videos.    Our next session would be  "  How to convert videos to MP3 format".

Worfilled and Wordful Wednesday


Where we are now after the Typhoon Sendong

My kids are now back to school after a week of class  suspension due to the flash flood that hit our city.  As what I have posted last week, we were not able to save all our things. Only the washing machine and over toaster survived.  Our LED TV, computers , furniture and other home appliances were damaged. It doesn't matter to us if we lost our everything.. what's important is that we survived that killer flood and that we have a  house provided by my in-laws as our temporary shelter. While some are crowding in evacuation center  sick and hungry, we are  healthy and comfortable in one of the rooms of my husband's ancestral home.

#7/366 BPC : Water for the Flood Victims


My son as one of the volunteers of Operations Blessings. Drinking Water was the immediate needs of the flood victims. Thanks to OB for being there  as early as 9am  on December 17,2012.

Paying For College


Image via Flickr
College can be very expensive, and many people don't know how to pay for it. It's hard enough to get through school, and trying to maintain a job on top of that is going to be tough. As much as you don't want to leave school in debt, it's practically inevitable and may be your best option. Choosing one of the following options for obtaining money can keep things hassle free throughout your college experience and won't be as stressful as other alternatives once you graduate.

Apply For Grants

Grants are an amount of money issued by the government and given to students to help them pay for school. You don't need to pay for these grants, that's why many people apply for it. The amount of money you receive from grants is based on your financial need. This money is not given to youdirectly, but is given to the college and deducted from your account. You can find information on how to apply through your college's financial aid office.

Apply For Scholarships

Scholarships are similar to grants, but are provided to students through various businesses and organizations rather than the government. Types of scholarships vary and the amount you receive may be different throughout each scholarship. Some scholarships are based on financial need, while others look at your leadership qualities, talents, and other criteria. You can find various scholarships through your high school guidance office, the college you are applying to, and the Internet.
Image via Flickr

Get an Installment Loan

Installment loans are preferred by college students because they are easy to budget into their finances. Installment loans are those that have a fixed amount of money you pay back every period, so there are never any surprises. Although some of these loans require a credit check, you can find companies online that won't check your credit and will allow you to borrow several hundred dollars at low interest rates. Plus, it helps you build your credit so you can qualify for larger loans in the future.

Apply For a Subsidized Loan

Subsidized loans are those that don't acquire interest until you graduate from college. Normally, you have six months after you graduate to begin paying off your loan. These are great for students because you don't have to worry about them until you have a job and can start paying them back. You can usually obtain these with the same application you fill out for grants, so check with your college's financial aid office for more information.

Reflection on Typhoon Sendong

The shocking calamity that hit my Cagayan de Oro city recently has claimed many lives and properties. The images that the typhoon left us were horrible. I’ve seen houses and vehicles , big and small, overturned by Typhoon Sendong. I’m just thankful to God that my family was spared from the awful experience although I can’t help but be sad to see our properties destroyed. 

I can not dare to explain in detail what transpired on that bleak dawn of December 17,2012 because it still breaks my heart. Last week with my family we went to our house . I can not help but Thank God for sparing our lives. The whole family slept over at our mom's house with the tragedy struck. The original plan was I and my mom will stay home while my hubby and my sister will sleep at my grandma’s house since she was not feeling well that day. I just don't know why suddenly my mom decided to go to Villa Ernesto Gusa . My mom called my dad who was at Divisoria that time to go back to Balulang and fetch us . It was already 10 pm when we went out from our subdivision. We never expect that 2 hours after a flash flood would hit our place and claimed 10 lives in the neighbourhood. We greatly thank God that our housemaid was able to escaped out from the rushing and rising water through the sunroof in my room. She almost gave up because the water was almost at the ceiling and it was pitch black. Then she cried to God for help and miraculously the light of her soaked cellphone came out. She saw the sunroof and effortlessly was able to open the roof. In split –second she was able to escape death. There are lots stories of survival I have heard and I realized it was God who saved those people.

All I can say is that the Kagay-anons never expected this to happen. Really, no one knows what tomorrow may bring. Our lives are in the hands of God. We can only do so much to secure ourselves, our property, and our future. With the damage that the typhoon has brought my city, and as we move towards rebuilding our homes. I realized that real treasures are stored in heaven and that we must be ready always to meet our creator.

Goodbly LED TV

Thank God some of our appliance-s retrieved after the flash flood were repaired. Our washing, microwave oven and computer CPU are now working. We regret we were not able to mount at the wall our LED TV, it could have been saved. Anyway, we are staying at my mother-in-law right now, so we still enjoy watching our favorite TV shows. Thanks to Mommylo ( as we fondly call my mother-in-law) for willingly and joyfully let us stay in her big house together with my two brothers and his family. God will surely bless you mommylo for your kind and gracious heart.

6WS : No class because of the flood


NO CLASS BECAUSE OF THE FLOOD