As early as October I already started making Christmas gift list for my nieces and nephews. This year would be focus on simplicity. Life is very difficult now a days and so I allotted some amount of budget for the gifts. The most important is not the price of the gift but how I remember them and that those gifts come with lots of love for them. I wish you all a very merry holidays with your love ones.

It’s not really easy getting a new car. I just hope Santa will know my Christmas gift wish a new car. You know that car insurance goes with it, right? With too many car insurance companies out there, How do I know who got the quality service? I mean, sure you give them your money with the guarantee that they pay you back if in case you get into trouble. You pay them and in return they carry the risk of your loss. But, do you know that there are those that close down even before your need them? Just like that your money is gone. It really needs an information gathering before you part your money with.

Lately, I already started making Christmas gift list for my nieces and nephews. This year would be focus on simplicity. Life is very difficult nowadays and so I allotted some amount of budget for the gifts. The most important is not the price of the gift but how I remember them and that those gift come with lots of love for them.

I remember last year, My boss just announced that we will have an early Christmas party because after Christmas it will be a long holiday for us. So he made a meeting on our department. He said that we must have an exchange gift to feel the essence of Christmas. He made us pick a piece of paper in a box. Those pieces of paper contain our names and you will give a gift to that person whom you picked. The name written on the piece of paper that I picked was my boss’ name. I started to think of what will I give him. I just thought of giving him a fruit cake. LOL!