Why Simplicity is Rare These Days… and Still Important: A Reminder on the -ber Months (Last Part)

Simplicity may sound like an overused and insignificant virtue in this world where the latest gadgets seem to be more important than a hour-long face-to-face conversation. But simplicity is a virtue and in this technology-oppressed period of time, those who possessed it are rare gems. And I salute them.

simplicity contentment reflection June Luna prosel pharma

For me, contentment is the main foundation of simplicity. While simplicity can be defined by our own standard and definition, I think, in essence, that:

  1. When there is less expenditure, there is more splendor, and when there is more splendor, there is greater glorification.
  2. Simplicity breeds generosity and abundance. Greed creates a culture of scarcity that leads to poverty.
  3. The true measure in the practice of simplicity is the happiness and contentment experienced by the person, not the quality or quantity of things he or she acquires.
  4. There is greatness in ordinariness.
  5. Simplicity is spiritual economy that brings out our integrity and dignity.

I am raising the virtue of simplicity and reminding you about it in time for the Christmas season because of our forgetful tendencies. In what I call the “shopping mall syndrome,” some people turn to retail therapy as a quick fix to their problems, unwisely using their credit cards in the process. Other people, on the other hand, buy the most expensive items to exact revenge or get even with a person in order to have a temporary relief from negative emotions. This should not be the case.

When you shun the virtue of simplicity, you are easily risking yourself to spiritual poverty that is essentially caused by corruption, greed, fear, possessiveness, hunger for power and position, oppression, anger, violence, sexual perversion, and lack of responsible leadership.

You may feel you’re living too simply today and you’re yearning for the adventures of grandeur. Take a reflective pause and assess your current position. Life today may be simple and you may not have the immediate cash to engage in retail therapy, but you are happy and peaceful with yourself, with God, and with your family. Peace and happiness are after all what one needs to live as children of God.

Remember that money is just a means to life, but it is not life. If money, other material blessings or possessions acquired through retail therapy is the basis for determining one’s happiness and peace of mind, then can you tell me if the people in the Fortune magazine lists of wealthy people are happy? Can you say that the rate of happiness and peace is determined by money and not contentment, by excess and not simplicity?

This calls for deeper reflection. I hope and pray you’ll spend the succeeding days doing just that, which my question poking you to really think and meditate. I would like to hear form you. If you have any questions regarding the virtue of simplicity, let me know in the comments section or on my Facebook page. Thank you and God bless! #

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The Last Four of the Seven Deadly Credit Card Sins: A Reminder on the -ber Months (Part 3)

This is a continuation of the latest post on my thoughts on the seven deadly credit card sins as enumerated by Jeanine Skowronski in 2012. Next to gluttony, pride, and lust, these are the remaining four sins when it comes to credit card use.

June Luna Prosel Pharma credit card seven deadly sins

Greed: Taking Out a Cash Advance

It may seem like an awesome idea to use your credit card to get a cash advance at a casino so you have some cash to gamble with, but in addition to the lousy odds you’ll have in making the money grow, the paper comes with a price.

It is best to use a credit card only in instances where the plastic itself can be use to make the purchase… and you can pay back the funds by the subsequent bill’s due date.

Envy: Applying for a Card That is Out of Your League

For many of us, we may have at least one globe-trotting friend who continuously flash a credit card that grants them access to swanky airport lounges, earns free airfare, and avoids foreign transaction fees. Let me remind you not to get envious. Don’t let jealousy lead you to sign up for one of your own. Typically, cards of that caliber contain high annual fees that are only worth paying if you travel enough to justify the rewards.

Instead, ask yourself a few questions to help you decide which type of credit card is more suitable to your lifestyle.

Wrath: Closing all your Credit Card Accounts

Those who have gotten burned by their plastic may be inclined to cut up all the credit cards in their wallet and close all accompanying accounts, but it’s best to curb your anger. It is better to keep the account open, but not use it, since that will keep your credit-to-debt ratio positively intact and not jeopardize the average age of your credit report.

And the last sin is:

Sloth: Not Checking Your Monthly Credit Card Statements

It can be easy to set up automatic bill pay on your account and then forget all about your credit card, especially in instances where you use it frequently. But it is a bad idea (and a bad habit) to skip out on checking your monthly credit card statements entirely, because you might be paying for fraudulent charges.

Which of the seven credit card sins do you think you have committed? What do you plan to do about it? #

The First Three of the Seven Deadly Credit Card Sins: A Reminder on the -ber Months (Part 2)

This is a continuation on my post on attachment and affirmation, which briefly tackled the “shopping mall syndrome.” This time, I will share with you my thoughts on what I know is the seven deadly credit card sins, which is termed by Jeanine Skowronski in 2012. I divided this sharing into two, so that you will have a fair grasp of the magnitude and gravity of these sins.

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It is important to note that credit cards can b a great asset or a great liability, depending on how a cardholder uses them. While you probably won’t go to hell for committing any of these seven deadly credit card sins, the financial situation you will find yourself in afterward can certainly cause some pain to your pocketbook and damage your credit score.

Looking too far in the future, which can be uncanny but not impossible, the misuse of credit cards can cause desperate people to commit even more sins. I pray such scenarios will not happen. This is why it is best to be reminded of these sins and asses yourself.

Gluttony: Bumping Up Against Your Credit Limit

Just because your issuer awarded you a PHP200,000-credit limit doesn’t mean you should max the card out. For starters, those who aren’t able to pay off their balances in full increase the likelihood of winding up in debt, since they’ll be subject to the interest of their purchases. Secondly, bumping up against your credit limit is likely to have a negative overall impact on your credit score.

Pride: Not Checking Your Credit Score

Consumers should check their credit report at least once a year. You might assume your credit score is in find standing based upon a presumably stellar payment history, but the truth of the matter is that credit reports can easily contain errors. The more egregious ones include inaccurate delinquencies or improper credit limit information.

Lust: Applying For Too Much Credit

Too many credit card inquiries in a short timeframe can negatively impact your credit score. Instead, apply for credit as you need it and add a new card to your payment arsenal about once a year until you’ve got three or four you can consistently pay off on time at your disposal.

Upon reflection, which of these sins do you think you have already committed? Check my next post for the last four of the seven deadly credit card sins. #

Attachment and Affirmation: A Reminder on the -ber Months (Part 1)

In the Philippines, Christmas starts in September, or the commencement of the -ber months, and ends after the Feast of the Sto. Nino on the third Sunday of January or, for some, after the Chinese New Year. That’s roughly half of the year. You can find some households already putting up Christmas celebrations. When November comes, after the All Souls’ and All Saints’ Days, the shopping spree begins for many of us.

June Luna Shopping Mall Syndrome Prosel Pharma

What’s noticeable is when businesses capitalize on the joyous spirit of celebration within this time. You can see it in the TV advertisements, on the visual merchandises, on the mall-round red, blue and white decorations. What’s noticeable, too, is when consumers are sucked into this vacuum of spending and begin to think that they need this and that thing for themselves or for someone else close to their hearts.

This is when I assert my philosophy against the “shopping mall syndrome.” Time and again, I kept teaching and reminding my family members and my employees that there is nothing wrong with shopping or buying something beautiful that gives us please and happiness. The danger arises when shopping becomes the anchor of our self-worth and self-identity.

This mindset reinforces the erroneous notion that living is nothing more than a pattern of ownership. When we devote our energy to money and material possessions, we distract ourselves from our real purpose in life, which is definitely more than what money can buy. What is your purpose in life? To be your true good self always, or to be truly happy while exploring your potentials as a human being capable to rise above any situation, or to raise and nurture a good happy and peaceful family? Whatever it is, I am sure it is noble and priceless and cannot be replaced with material possessions.

Remember that karmic energy number one associated with materialism is attachment. There is nothing wrong with being a consumer as long as we have enough money from legitimate sources to buy whatever we need for our daily subsistence. What makes it wrong is when we use ill-gotten money to buy things. Another aspect of this problem comes when we start to identify ourselves with the things we bought by becoming extremely proud, arrogant and egoistic about our material acquisitions.

To remedy this, affirm your own self, and God will affirm you. This is all you need, believe me. Remember that the real purpose of life is to experience and share peace and happiness. So hold on to this noble purpose and do not ever lose it. #

The common mistake parents make

What do you think is one of the common, if not the greatest, mistake parents make in their relationship with their children? For me, it is when parents consider themselves to be old, mature, and experience, as if they already know everything in life. Technically, there is nothing wrong with acknowledging that, as parents, we have grown with the years in age, maturity, and experience. But to use this as unbending basis to be always right in debates or discussions with our children because we see them as still young, immature, and inexperienced is an entirely different story.

June Luna parenting tips

There are parents who, when they have visitors, harshly tell their children to go to their rooms or play outside because the topics are bound to be exclusive to adults (that is, in age). Have you ever thought about your children’s feelings? Doing this can make your children consciously and unconsciously feel rejected and get hurt every time. I’m sure that allowing your children within your circle of friendly discussion can also make them grow through observation and respectful participation.

Let me tell you, if you just listen, really listen carefully, to what your child has to say, you will be surprised and impressed by the wealth of wisdom behind his or her own experiences. This is my way of saying that you should not underestimate your children and what they can do. I discourage baby-talking them. Start treating them like adults and you will be amazed at how fast they can develop their original and latent skills, talent, and personality. Let me remind you that you have not yet seen the best of your children. What you are seeing now is just the tip of the iceberg. The key to good parenting is to give them utmost acceptance, respect, and trust. This is the true and real art of parenting.

Here is something that may provoke your thoughts and probably will change your ideas and perspective about the parent-child relationship. Your bodies and age may be old and your children’s bodies and age may be young, but their souls might be much older than yours. It is just a matter of time before their brains become fully developed and can absorb the power of their souls. This is why do not be surprised if one of these days you realize that they have become much smarter than you. Have you heard others–relatives, neighbors, friends–praise your children, wondering how they could think, act, and talk in a mature way.

What are your memorable experiences raising your children?