Revised NU12 #11, What pisses you off at the school? - Camille A. Dela Cruz

Hi Sir,

I did not get a grade for NU 12 Week 11 - What pisses you off at AGSB. Kindly see below the new revisions. Thanks.

ENTREP S20

Mr. Jorge Saguinsin

NU 12 Week 11 - What pisses you off at AGSB? (Revised)

Camille A. Dela Cruz

What greatly pisses me off at AGSB is the cafeteria offers extremely minimal food choices. Other than the local/homegrown canteen

that offers home cooked meals, there are only four concessionaires available - The Sandwich Guy, Fruitas, Don Henderico's Pizza and Milk Tea.

Sometimes students have to walk far towards the nearest establishments like power plant mall just to satisfy normal cravings that a canteen 

should provide. 

I suggest that the school should provide more food alternatives to its students and employees after all food is what keeps the mind working and 

healthy. If not enough food is provided this can lead to the reduction of attention span and productivity of students or employees. To align the solution

to what I learned in my entrepreneurship class, I suggest that the school should tie up the opportunity with an activity that can be incorporated in the 

syllabus of the entrepreneurship or marketing class. Maybe students can come up with different food business proposals and once approved by professors,

these proposals can be implemented and executed in the cafeteria for the whole term. The cafeteria can be a training avenue for the students to test

their food business and at the same time the school is able to address the clamor of students and employees for better food choices. Moreover 

the activity will help the students develop and learn skills of what is to be an entrepreneur. A concrete example would be a class of 30 students can

be divided into six groups and the six groups will propose different kind of food ideas that they will sell and market in the cafeteria. The six groups 

should be offering various kinds of food and not similar to each other. The professor will then grade the students based on the number of products sold as

well as other indicators.  3.5

NU12 #5, New products/product improvements - Camille A. Dela Cruz

Ateneo Innovation and Entrepreneurship "New ideas create more and better new products and services; create more wealth."

ENTREP S20

Mr. Jorge Saguinsin

NU 12 Week 5 - New products/product improvements

Camille A. Dela Cruz

I live in an age wherein there is a product available for every need and want. It’s sometimes just crazy that people need so much things or consumer products to use. For example just in the Mac Apple store, there are numerous apps that cater to weird and odd needs of people. However there is one new app that caught my interest at the beginning of the year. The app is called the “Spending” app. The app, I’m sure had different versions made by different companies in the past, but this one is entirely different because it’s so friendly to use and at the same time just fits my need perfectly.

The app’s purpose is to help a person organize his/her finances and more importantly create awareness on the expenses of the person. I believe awareness is the first step to financial freedom. If a person knows what he/she is spending monthly then he/she has the opportunity to address spending problems. Did it ever happen to you wherein you have no knowledge where all your money goes? Or did it happen to you where you look at your wallet and find no money in it and wonder where it all went? Well I guess it happens to everyone. The spending app encourages the user to note down all expenses from the small expenses to the huge ones. Afterwards the app organizes these expenses into categories and creates visuals like graphs and charts for the person to see the summary of expenses easier.

I exactly did what the app required me to do; now I’m so conscious of where most of my money goes. I realized my monthly salary goes to eating out and that is extremely alarming because it neither goes to a long term investment nor to a savings pot to prepare me for my future. After discovering this problem, I started to become wiser on how to manage my finances. I set up three pots where my money will go – investment, savings and daily expenses. This will ensure that the money I work hard for will not go into waste but will give me the financial freedom and independence that will prepare me for my future.

I suggest that everyone download this app, which is free, because it helps anybody who is in trouble with their finances. No one would want to live their lives through credit, loans or monthly pay check. More importantly a find this app very important because it wakes you up and teaches you to never ever live beyond your means. 3

NU 12 Week 2 - New Spending Habits/ by CdlC

Hi Sir Saguinsin,

Kindly acknowledge receipt of my NU 12 Week 2 - New Spending Habits/ Routing.

I also sent the other two homeworks last week - NU 12 Week 1 and Factors Paper. Kindly acknowledge receipt for both as well. 

Thank you very much sir. Merry Christmas!

Warmest Regards,

Camille Dela Cruz

ENTREP S20

ENTREP S20

Mr. Jorge Saguinsin

NU 12 Week 2 – New Spending Habits/ Routine

Camille A. Dela Cruz

Looking over which NU topic to write about, I was delighted that the next topic– New Spending Habits/ Routine was the topic for week 2.  I was enthusiastic and excited because this was the topic that I greatly relate too. I've been experiencing financial difficulty recently due to my undisciplined spending habits, which is unacceptable and needed immediate improvement and change.

In my family, I was known to be the most "kuripot" person. I would rather save my money than spend it on anything. One weekend in 2001, my mom was quite surprised to see bundled money in a square rusty tin can (hehe.. apparently that was piggy bank at that time). She confronted me when I got home and asked me where the money came from; she was astonish to find out that I've been saving 100% of my allowance and not spending a single cent. Growing up till college, I had that strong discipline on spending, however, it all changed when I started to earn my own money. I was spending lavishly to the point I was consuming beyond my means. There were several reasons behind this irresponsible action: 1. I had no control 2. I wasn't aware of my priorities yet 3. I was enjoying too much. All of these wrong perceptions led me to a path of destruction. I ended up having a huge amount of debt on credit and no savings at all.  

Before the year 2011 ended, I had to talk and push myself to fix the financial side of my life. During the course of this self-reflection, I came up with a 2-year road map, a vision on where I want to see my financial matters 2 years from now and what strategies will I do to reach this objective. A part of the strategies is identifying what my monthly expenses are. I realized that I wasn't aware anymore how much money I bring out. These expenditures are the essential things I need to spend on, like medicines and personal toiletries, and exclude those unnecessary like clothes, eating out, watching movies, etc. At first, I wrote everything down and kept the receipts but it was so tedious and there were several times I would lose the receipt or forget to log my expenses. Since technology is sort of man's best friend, I used the available apps that would help me log all my expenses and see everything instantly. I know this isn't new for everybody but it was definitely new for me! I never knew that technology could be of a big help to my dilemma. Every time I would spend, I would just log it into the app and then it will automatically add up and instantly show how much money I have left. So after using the app, I became more aware of my monthly expenses. This awareness gave me the ability to know and control after. Just the opportunity to know made me really happy.

I believe the importance of all of this, is that when the moment comes when an aspect of your life is turning to be uncontrollable or in a bad light, one must STOP, be aware that there is something wrong, find out the reasons behind it and take action to address such before its too late. I always believe that people are responsible for their own lives and they should not blame anybody but themselves. In this experience, I learned to take things in my own hands and change the course of my life and lead it to a better path. 3