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house design hunt

we've been busy for the past few days about looking for a house to rent on july. we've decided to rent again, buy a separate lot and build a house on that lot. we're hoping for a 500sqm lot around tagaytay. we've got an agent, we're studying loan possibilities and we might take a trip to the location next week.

now what we need is a design for the house. i'm not an architect but i know how it works. i just need some inspiration. so, i ended up looking for designs in the web. google gave me design-house.com. looking at their catalog seemed to impress me and my wife. particularly this design.

here's the link

the lot is not situated near the beach so might not be an option for us. but, designs like this inspire me. so, if you're looking for a design too and ended up in this blog, try visiting their website at http://design-house.com/

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budgeting 101

to dig deep into envelope budgeting, i must simplify the term first. hence, i need to make sure i understand the word budgeting... budget. A budget (from old French bougette , purse) is a financial plan and a list of all planned expenses and revenues. It is a plan for saving, borrowing and spending -  wikipedia so, basing from the definition, it can be simplified as... (income - expense = 0) where income is defined(in my own words) as any monetary device labeled with currency which was received and/or is available to be consumed by the calculated expenses. while expense is a calculation of how the income will be used. some might ask where saving lies in the formula. since, i believe that it is one of the elements of expenses, let me extend the formula to: [income - (saving +other expenses) = 0] i still have doubts on this calculations, though. so, any comments and suggestions are encouraged for a healthy discussion.

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