I have been saving for emergency fund for quite a while, but I still haven’t hit my goal yet. The reason is that I sometimes dig into my savings when I am out of budget or when there are out-of-pocket expenses.

I think I can reach my saving goal by the end of the year provided my online income is steady and I can keep my spending habit under control.

If I can hit my saving goal by the end of the year, I think I can start saving for investment fund. I have always wanted to invest in mutual funds and buy gold eagle coins.

My grandma and mom have been gold buyers for decades, so I am hoping I can buy gold to preserve my wealth and purchasing power too.

Woo Hoo! With the online payment I got yesterday, I was able to buy three pieces of Free People black floral embroidered lace bras that cost less than $25 each.

If the amount of the next payment is more than this time, I will frequent this online store again. I love the designs of women clothing there. Nice.

They are many bras, blouses and dresses under $25 that don’t look cheap at all. Worth checking out this website if you shopping on budget.

I do download free seo software recommended by my blogging pals so as to improve the ranking of all my niche blogs.

You know the importance of doing SEO, right? Better ranking means more traffic driven to your sites and thus increase your ad clicks and sale earnings.

I need more online income simply because there are debt repayments, home and car loan instalments and other expenses that have to be paid.

Besides, it’s bad economy now. It’s better to make more money to save in the savings account during spare time than watching television at home.

Seeing that there is an increasing online income, I have started dreaming the possibilities of paying off my credit card debt sooner and going for a long vacation with hubby.

Of course, there must be enough travel fund that comes in the form of cash; no more using credit card to pay for holiday fares and expenses.

What about a 10-day 9-night Cancun All Inclusive vacation?

I was told by a blogging pal who came back from her family vacation at Azul Blue in the Riviera Maya, the world’s first stress-free hotel that it’s worth going there.

Once you are there in the sanctuary, there is no such thing as “stress,” or “tension.”

Imaging napping on a four poster cabana bed on the beach or pampering my body with an array of soothing spa treatments day in and day out for 10 days! Oh, so relaxing!

Hubby is thinking of getting one of the inexpensive Acer netbooks next month.

He should as it is of $299.99 now, plus free shipping.

I think hubby should go ahead and purchase it since there is still money left after deducting our debt repayments, utility bills, and home and car loan installments.

Besides, I still have Google AdSense earnings and online income coming in.

Oh, no! Hubby and I have only less than one hundred to survive from today until Wednesday.

I am praying that my online income arrives in my account on Wednesday to save us.

It’s all hubby’s fault. If he had put off buying the pond pumps, we would have had more cash in hand.

Wait a minute! I still have some coins and small notes accumulated in a bowl. Wuahaha,

How am I doing with my free debt management program? Well, great.

I have been able to make the repayment on time month after month, thanks to my online income and tuition fees.

Because of this debt management plan too, I am less stressed out and have more time to enjoy my life.

I can also pamper myself with acne or body massage treatments once in a while.

When time is bad and my mood seems to sink to the bottom, the only thing I can do is praying.

Pray to God that He will take care of my online income through selling more Frontline supplies, bedding sets, kids gifts and cellulite creams and also through Google AdSense so that it is more than enough to settle the bills.

Also pray that He leads hubby to find a more stable job.

If it is possible, lead hubby to find a full time job. This way, I no longer need to be stressed out when my online income drops.

To increase my online income and income sources, I am thinking of starting two more niche blogs for Google AdSense and affiliate products this month.

The niches I am considering now are mesothelioma, bad breath, bed frames and hemorrhoids.

They are not high paying keywords, right? Mind sharing with me?

I am still learning when it comes to picking niches and keywords.

It’s kind of frustrating to see my online income go up and down, up and down.

I just hope that it doesn’t decrease too much to the extent that I am not able to pay the car loan or the home mortgage on time.

It’s embarrassing to bank in the late car loan installment at the counter. The bank cashier has to call to the hire purchase department to unlock my car loan account.

It’s bad economy. Why can’t all the banks be lenient a bit when it comes to collecting late car and home loan installments?