Mej Loza

We Don’t Have Cable

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When I was living on my own, I didn’t get cable. I didn’t even have decent local channels because my previous condo didn’t allow an antenna outside the unit. So I made do with internet and my laptop.

When R and I moved in to our rental, we decided that we will not be getting a cable connection. But we did buy an antenna which we attached to our 3rd floor’s terrace. We used to watch ANC in the morning during his previous shift (1pm-10pm). But now we sometimes watch local news at night, not always because it stresses the heck out of both of us. We just have an internet connection.

R connected the tv, mac mini, and Kinect to the internet, bought a wireless keyboard and bluetooth mouse, and we download, stream, and watch movies and series in our tv – better than local channels to me!
As we realized that we liked this setup, we decided that we won’t be getting cable for our future home. We’re just going to watch all our favorite shows and movies online.


Mico and I watching Grey’s Anatomy’s previous season. There’s the wireless keyboard and bluetooth mouse on the wooden table. Our printer, also shown, ┬áis also connected to the internet so we can print from any device at home (I’m proud because I couldn’t do those things myself haha!). R gifted us a two-seater recliner chair last Christmas for our movie and series marathons.

Building an Emergency Fund

I’ve been working for 10 years now and one thing I’ve tried and failed to create is an emergency fund. I have created a small business, earned a good amount, travelled several countries sometimes several times, bought my own (2nd hand, 3-year old) car (at 23) that depleted my savings then, rented my own bachelorette pad for a year and 6 months when I was still single shortly before I got married (which again, eventually, depleted most of my savings), got married (which again depleted most of my savings), acquired household appliances and furniture, and a lot of makeup along the way, but alas, building an emergency fund was neglected. I don’t want to regret being able to do (and maybe somehow, achieve) all those things, but having little savings is one sad and scary thought especially now that I’m married and starting a family.

Although I do have a small sum where R and I could probably survive at most is 5 months. Honestly, it’s not something I’m happy about. I know that for some, that is already a good amount. But it scares me because I don’t earn on a monthly basis, unlike most people. If I don’t work, I don’t earn. And even sometimes I work so hard, and yet I don’t earn which is why I cannot not have some form of security blanket – or else I will have to sell all my belongings (scary!). If not for the other expenses such as monthly rent, car payments, and the insurance (and investments) that we are currently paying, we could probably survive for a year with that amount of money. Sadly, that’s our current reality because those are part of our responsibilities.

So with the latter part of the year, creating an emergency fund is now on top of my to-do list. Saving is hard, same as with everyone else, but especially hard because I don’t have a monthly income. I earn in increments from business and that doesn’t always happen. We rarely eat out nowadays (the ones I post online are either family celebrations or treats to us) and our used to oft-looked-forward-to-spa visits have been rare. But hopefully in the future, I will be able to create an emergency fund that will manage to fend for us for 2 years – yes, that’s my goal. Although looking at it now, it seems unreachable given all the bills and obligations we have to pay.

And that, my friends, is the reason why I love reading financial blogs. Because if they can do it, I sure do hope that one day, I could too. I just have to have faith.

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