The contest week is not yet over but for now, I'm back to provide update about my Personal Finance Management Seminar with Mr. Armand Bengco of Colayco Foundation. It was so kind of him to share the informative slides after his presentation.

The seminar was entitled: PISObilities! -MANAGING YOUR PERSONAL FINANCES
It was a lively discussion and as much as I wanted to share the exact documentation used, I am not sure if that would be legal. Yes, I did not upload the powerpoint files. But let me just share you the important lessons I have learned.

* Personal finance is not always about money.
Yes we know that it involves money but it should not end there. It includes income and wealth and along it there is continuous earning, planning, saving, spending and investing.

* Being wealthy is a state of wellness. It is being able to support your lifestyle even without working. You just sit and let your money work for you.

* There are two sources of income: ACTIVE income and PASSIVE income. Active income primarily comes from our salary, commissions, sidelines, OTs and more while PASSIVE income is derived from INVESTMENT income (Financial Assets, Real Estate, Direct Business Ownership)

*Here is a smart way of spending your money: SPEND your active income solely for your NEEDS and your PASSIVE income for your WANTS. (Surely, there will be no guilty feeling even a bit of it.)

*We have allies and obstacles to wealth generation. Allies are time, compound interest and leverage. As for obstacles we have inflation, procrastination, spending habits, culture and traditions.

BABY STEPS to A WEALTHY YOU
1. Emergency Fund- Equal to one month income
2. Protect yourself - Secure term life/accident
3. Get out of debt
4. Find additional/new sources of Active Income
-Start a business (pooling)
-New employment (Consultancy / “Teach”)
5. Start your long term investment plan

IT’S NOT ENOUGH TO JUST SAVE! Be a knowledgeable investor: PASSIVE INCOME EARNER!

One of their motto: “We can never control the winds……But we can certainly learn to adjust our sails.”

True success can't be measured by HOW MUCH YOU EARN. BUT HOW MUCH YOU GET TO SAVE & GROW.

These few details could not speak everything for me. The seminar is really an eye-opener so I suggest that you attend one if the opportunity arises. Be proactive during the discussion because they are giving away cool rewards!

You may visit www.colaycofoundation.com or onewealthynation.com to be more enlightened!

If you were a Starbucks drink, what would you be and why?


Me? Java Chip Frappuccino!

Let's see what it is made of:
A decadent combination of chocolate and java chips combined with Starbucks® coffees and milk, blended with ice, topped with whipped cream (optional) and chocolate drizzle, a chocolate lovers dream.

Literally translating it to LIZ, God blessed me with witty and jolly personality. I am a hybrid of outgoing girl and affectionate lady. Having me is like taking a sip of this lovely frappe. Haha. You will like me inside out. Just the way you enjoy both the chocolated whipped cream and the blended coffee of this Starbucks drink.

Maver knows best how to reward her readers so here goes the Starbucks Planner giveaway:

Mechanics to join:
1. Answer this question on your blog: If you were a Starbucks drink, what would you be and why?
2. Comment on the contest post with the URL of your entry.
3. Indicate your preferred Starbucks planner design. (Choose among the following: Cherry, Espresso, Roast).

Deadline for entries is at 11:59 pm of December 12, 2009. The results of the electronic raffle will be announced on Monday, December 14, 2009.

I stumbled upon this Fashionista's blog and I enjoyed reading her stylistic posts. She talks about shopping, food, love and GIVEAWAY!

* Tsumori Chisato 2010 calendar book
* Limited Edition Tsumori Chisato for Shu Uemura mirror with pouch
* Handmade gold leaf stud earrings
* Various sheet masks
* 2 boxes of Revlon Runway Collection artificial nails

Oh, you see? It's raining contests! Lots of things to celebrate. Haha. Levy and her hubby will be giving away (2) Gift Certificates of your choice worth P500 (any stores that sell GC, name it and we will deliver it to you) convertible to $10 Paypal funds.



Winners will be announced either on Dec. 18 or Dec.19 so you've got plenty of time to join by following the simple tasks:

1. Guess their theme song.
A. Close to You - by Carpenters
B. It Might be You - by Stephen Bishops
C. Got to believe in Magic - by David Pomeranz
2. Follow Living Live to the Fullest Blog
3. Blog about this contest.
4. Share the words to your friends.

To know more about this giveaway, click here...

Two more months and I will turn 25. Life starts at 25, so they say. But hey, I am living a fabulous life already! Haha. Okay, since I won't be able to invite you guys on my simple birthday celebration, I would just throw away an online party for everyone! Join my contest to enjoy fabulous rewards. Here are the main prizes but there are more surprises to come!

In case of tie, a tie-breaker review will determine the winner with the help of cash sponsors.


CASH Sponsorship is still open while the contest is ongoing. The more prizes at stake, the more exciting the contest is!

Contest Mechanics:
This contest will have 2 categories: Birthday Raffle & Points System
For Birthday Raffle (through random.org), you can have as many entries as you like by following the tasks below.
For Points System, the highest pointer (gained by writing reviews) will obviously win the "Best Reviewer" Award.
1 point = 1 entry


A MUST:
1. Follow this blog (through Google Connect) - 1 PT
2. Add Bloguardian Hellsite: Overcashed on your Blog Roll - 1PT
3. Write a blog entry about this post and don't forget to include my 250X250 contest banner and the sponsors' list on it. - 3 PTS
4. Place my 125X125 banner on your side bar. - 1 PT

Don't forget to comment on this post with your email address, URL of your post , name used to follow this blog and other things you've done so that I can tally your points.

More Points/Entries here:
>Gain additional points by reviewing the following: (2 points per review)
http://theadmaster.net/
http://pinaymom.org/
http://livinglifetodfullest.blogspot.com/
http://www.bigloveblog.info/
http://serenityoverload.blogspot.com
http://www.labambita.com/
http://fedhz.com/
http://journal.mikemamaril.com/
http://questionshaveanswers.blogspot.com/
http://www.isherrygo.com/
http://thereishappiness.com/
http://customizedlife.net/
http://momgen.etsy.com
http://darlingrose.etsy.com
http://www.mommawannabe.com/
http://divafabulosa.com/
http://healthandbeautydiva.com/
http://fashionbeautycraze.blogspot.com/
http://learnnearnonline.blogspot.com/
http://realmofadreamer.com/myblog.html/
http://www.girlblogger.net/
http://www.pinaymommyonline.com/
http://www.bloggingmama.info/
http://itsnotalwaysaboutme.blogspot.com/
http://super-emote-drama-queen.blogspot.com/
http://jenaisleonline.com/

Note: Review should be 150 words and above with backlink to their site/blog. Each review should be counted as one blog entry or a separate blog post. (Simply, review each site individually on your post.)

> Place sponsors's badge on your sidebar - 2 PTs
> Add Pinkville on your blog roll - 1 PT
> Visit Pinkville and post ONE relevant comment on any of the posts - 1 PT (You have to let me know where you placed your comment)

Automatic PLUS points (per person not per blog. One sponsor can only have a maximum of 3 plus points.):
Cash Sponsors - 3 PTs
EC Sponsors - 2 PTs
AD Sponsors - 2 PTs
*Majority rule. If you're sponsoring Cash, EC and ads, still... the max plus points is 3.

YES, sure! Sponsors can join the contest!

$10 as a second prize @ Mukhang Pera's Birthday Contest is so overwhelming!

Wow! I am so lucky (and so thankful)... that's why, I will be more generous to all of my contest participants! Random prizes will be given away during the contest period.

And if you want more contests to join with... check out Karen's blog:

Experience Laser Hair Removal and TCA Peel for free! Get a chance to win these treatments at The Beauty Bin!

This contest is open to all Metro Manila-based bloggers only. You can check the full details here.

Contest ends on December 6, 2009, 10:00PM. Winners will be chosen randomly and will be announced on Dec 7, 2009. Join now!

This contest was inspired by her most memorable Christmas moment, I guess. Hehe. I have memorable Christmas moments with my family but it was long ago. When digital cameras and cam phones are still non-existent. My previous holidays were all spent away from home, too. So to be honest, I don't have any picture to upload and it's such a devastating truth. To join this contest, here's the closest photo that fits the requirement:

Christmas cards from my boyfriend. T_T This reminds me of our romantic lovestory. It's memorable and so SPECIAL because having him is like being at home and spending Christmas with my family.

(My old phone got stolen that's why I don't have any other Xmas Photos... :( )

Ok, before I get too emotional let me invite you to join this contest. Visit Janeuarymmiv's Blog for more details about this giveaway. Here's a sneak peek of the first prize:

As promised, here's an update about my upcoming first blog contest (as of November 30 | 10:30PM). This will primarily discuss the benefits of being a sponsor and additional perks for CASH SPONSORS.

Quoting my previous comment:

Quick Update: All of my cash sponsors will get a blog/site review from me plus a chance to be reviewed by other contest participants. I am cooking up exciting mechanics to make this contest a win-win scenario for everyone. Keep them coming. Thank you for all the support and I'd love to celebrate a grander birthday through this big event in the blogosphere!

My Cash Sponsors are entitled to:
- 1 Blog Review with Backlinks (@ BH:Overcashed)
- Be Listed in my Blog Roll (Permalink)
- 125X125 AD Space on SPONSORS widget during the contest period
- Additional Entries if you will join the contest
- More reviews coming from contest participants

Other Sponsors
- More traffic (Obviously since you'll get backlinks)
- Special Raffle Entries
- Additional Entries if you will join the contest


Sponsorship is still open so keep them coming guys!

I'll be celebrating my 25th birthday this January 23, 2010 so as early as now, I am conceptualizing the contest theme and searching for sponsors which could be in any form: CASH, EC's, Blog Template/Makeover, AD Spots, Blog Reviews and more (anything that appeals to bloggers)... Cash should be $5 and up, EC's 2000 and up, AD spots could range from 1-month to 3-month duration. Just leave a comment on this post or email me at liezl_7m5(AT)yahoo(DOT)com.

For the cash sponsors, I am requesting you to send it to my paypal account on or before December 1, 2009 so that I can finalize the total amount of cash prizes. Send them to liezl_7m5(AT)yahoo(DOT)com. Also, you may give me the URL of your 125X125 badge.

Don't worry, I'll generate the code for the sponsors' list so it won't be a hassle to those who will join! Stay tuned for the contest mechanics!

P.S. I am encouraging all of you to grab this contest badge to gather supporters as early as now:

Look at Ritz (Girl Blogger) "pink addiction"! Aweeessoommee! And I wish to have the "Smile" layout for my Pinkville! I have once won on her contest and this cool green layout was my prize! Yay, you can win too by simply posting comments on her recent blog entries!

Click! Click!

I'll be celebrating my 25th birthday this January 23, 2010 so as early as now, I am conceptualizing the contest theme and searching for sponsors which could be in any form: CASH, EC's, Blog Template/Makeover, AD Spots, Blog Reviews and more (anything that appeals to bloggers)... Cash should be $5 and up, EC's 2000 and up, AD spots could range from 1-month to 3-month duration. Just leave a comment on this post or email me at liezl_7m5(AT)yahoo(DOT)com.

I am hoping to finalize this contest on December 1, 2009. Watch out for my early Christmas Treat!

Stay tuned and be Overcashed @ BHO's 1st Contest!