starting to compute

I love shopping and giving gifts to people I love. Christmas season is almost near and I can't wait to buy and wrap presents. Well, I just received my share in our office coop and my money earned 11% in 9 months time. Not bad considering that bank interest only ranges from 1-3% annually.

What I had planned to do with the money:

• 20% buy things for me and the kids
• 50% deposit in the bank foy my baby's birthday next year
• 30% for the check-up and vaccination of my kids (it really cost that much!).

And, I am also waiting for out 13th month pay which I hope would be given by first week of December. I won't be receiving that much as I had my maternity leave this year and it would lessen the 13th month pay that I would get to receive.

Compute. Compute. Ok, we won't have any savings this year.