Time flies so fast! I can’t believe it’s already the last day of April and my birthday month is coming quickly.
Usually, I pay the bills and run a lot of errands at the end of the month. That’s exactly what I did today, but I took my husband and daughter with me and we spent almost the entire day at the mall to do all these.
It’s 8PM and we just got home after a long day. And although I’m very tired right now, I’m happy because I accomplished a lot of things today.
1. I deposited money over-the-counter at Security Bank for my HSBC credit card payment.
As of today, I maintain 4 credit cards including BPI, HSBC, Citibank, and Metrobank.
- I use my BPI credit card for some of our utility bills and all work/blog related expenses like web hosting, domain renewal, marketing and advertising, and online courses.
- I use my Citibank credit card to pay my installment purchases including some of the appliances that we purchased early this year for our new house.
- I use my HSBC credit card for our grocery shopping.
- I haven’t used my Metrobank credit card in a while and I’m not sure if it’s still active. The last time I used it was when my mother-in-law purchased a new fridge and she paid it through installment.
If you’re wondering why I have a lot of credit cards, well, it’s because I find it convenient to make purchases online and offline with my credit card.
I know it’s hard to maintain, but I learned how to keep track of my finances including my credit cards, without having any issues. Thank God!
I have been using credit cards for a decade now, and I have never been late in paying my bills. How do I do this?
I keep track of everything using an excel file and a notebook. I take note of all of our expenses including that 5-peso bread I bought at the bakery. I do this so that I know where exactly our money are being spent for.
I tried using mobile budgeting apps, but it didn’t work for me.
Anyway, I paid my HSBC credit card bill over the counter at the Security Bank branch because my BPI online banking account, where I usually pay my HSBC and Citibank bills online, was having an issue. I think they’re having a site maintenance that’s why I couldn’t access it properly.
After waiting for about 15 minutes, I was able to deposit my payment at Security Bank.
2. I deposited money over-the-counter at the BPI branch
I do most of my banking transactions online. However, when it runs out of balance, I deposit money to my BPI account to replenish the funds.
Once it has enough balance, I use BPI Express Online to pay my BPI, HSBC, and Citibank credit card and some of our utility bills.
I usually deposit money using the BPI Express Deposit Machine to avoid the long queue. If the machine is offline, I get an E-queue number through BPI Express Assist (BEA) online. What’s good about this is that you’ll be prioritized and your number will be called within the 30-minute time-frame that you selected when you booked an appointment online.
Unfortunately, yesterday, both of these facilities were OFFLINE, so my last option was to get my Queue Number at the branch. And guess what, it took 3 hours for my queue number to be finally called. Horrible, isn’t it?
But of course, I didn’t wait for 3 hours at the bank!
While the other people were impatiently waiting at the bank, I did my other tasks including items 3, 4 and 5 below.
3. I submitted new PDCs for our car loan payments at RCBC
We bought our car 2 years ago during my 30th birthday. And because my birthday is coming, it’s also time for me to submit new PDCs to RCBC for the next 12 months of our car loan payment.
I’m glad these banks are all within the area, so even if I was waiting on the queue at BPI, I was able to finish my transaction at RCBC within 30 minutes. It took longer because I had to hand write all the required info on the checks.
4. Accomplished Macey’s requirements in school
We’re enrolling Macey this school year at Camelean Academy, and one of the requirements is to submit 6 pcs of 2×2 pictures, so we went to Photoline at the mall, and we had her pictures taken.
We were advised to return after 30 minutes to get the pictures.
We went back to BPI, but my number was still far from what was currently shown on their screen. So, I did my next task…
5. I got my new pair of eyeglasses from Executive Optical
It’s been 1.5 years since I purchased my last eyeglasses and I have been feeling dizzy lately because of my eyeglasses, so I decided to get a new pair at EO.
I usually opt for black, but for a change, I got pink specs this time. I was advised to return after 30 minutes to get my new pair of glasses.
I went back to BPI, and finally, after 3 hours, I was able deposit money to my BPI account which only took them less than a minute to process.
Then, we went back to Photoline to get Macey’s pictures. And finally, I got my new pair of eyeglasses too from EO.
6. We went to Savemore to buy groceries
Our last task for the day was to go grocery shopping at Savemore. Aside from buying stuff for the kitchen and toiletries, we also bought personal care stuff for Macey as part of her school’s requirements.
It took us an hour and a half to do this before we finally headed home just in time for dinner.
Grabe noh, kapagod maging nanay.
There are so many things to take care of, but at the end of the day, I’m grateful to be a mom and a wife, and that I’m able to do all these with the help of my husband, with God’s grace and guidance.
It may be tiring to be a mom, but it’s fulfilling and I will not trade it for anything. I’m also thankful that I’m a work at home mom with a very flexible schedule that allows me to spend quality time with my loved ones and to focus on things that matter most.
How about you, how do you handle your finances, bills, and other tasks as a mom?
Feel free to share your experiences at the comment section below and talk to you soon. 🙂