A new credit card!

I got a surprise visit today from Metrobank who came to deliver my NEW CREDIT CARD! It was truly a surprise because the last time I heard I was blacklisted from ever getting a credit card because as my dad says my name was included in the list of people who still have pending loans…mine was incurred from my previous credit card when I was still in college. Then, when we moved from place to place, my address was changed constantly so they had no way to trace me anymore…and besides they have already been charging me for incurred interests that amounted to almost P10K when in fact my credit limit was just P4K!

I am just glad that Metrobank merely took into consideration the fact that I am currently an accountholder with their bank and so they offered to give me a card and notwithstanding my previous record, decided to take a risk on me since anyway, they could always freeze my money if I don’t get to pay diba? And besides, they just gave me a teensy credit limit of 15K so I guess it’s one drawback I had to live with after all I still have to prove that I am quite capable of keeping and holding a credit card once again…

NEW BANK ACCOUNT WITH METRO

This year 2009, I finally decided to push through with my plans to set aside some money for a savings account…it may be used for a planned trip/vacation…or an appliance/electronic gadget …or a birthday party or summer outing with the family…or even just for an emergency slush fund…whatever the purpose may be, the important thing is that I will try my best to set aside a little money each payday into a savings account. I was only able to start this at around March using the money my Papa gifted me as the initial seed money… then from each month’s payday, I would set aside an amount ranging from 200 to 500 to put into this savings fund. Sometimes, I admit I inadvertently get money from said account to buy needed toiletries/groceries but I still try to return the money as much as possible. Then, when the hubby took out a GSIS loan this month to refurbish the kitchen, I decided to finally open an account with Metrobank (which is just across the street from us) and deposit the money while waiting for our ‘tile-man’ to become available ( I think he stil has a pending project with Ate Ne and would be available next month pa…) I guess now that the money is in the bank, it would make it more difficult for me to get it easily well, sure there’s an ATM but I still need to get to an ATM machine diba? Unlike when the money is just stashed inside my cabinet in the house and I could easily get it anytime I want…now, at least I am more or less assured that I would only be using the money for meaningful purposes! So, here’s good luck to me! And I hope this venture of mine to save money would flourish for a long...long…long…time!