Indeed, when it is summer, the heat is unbearable especially outside of the house.

I always have a folding umbrella and a folding fan in my bag. So, whenever I go outside the house I would use my umbrella.

Even inside the jeepney, whenever it stops to pick up passengers the scorching heat can be felt. The folding umbrella will be used.

I also wear loose blouses and usually sleeveless. I also would have my hair in ponytail. I always take a bath , especially in the evening.

I also see to it that I eat more than 8 glasses. And I like the water to be so cold. The moment the water enters body, you can feel instant refreshment.

These are some of the ways to beat the heat.

I think here in the Philippines, we would really have a shorter summer as was announced before. And indeed, it would rain now, especially in the morning.

The rain helps in cooling the surroundings.

Even when it is not summer, I used to drink 8 glasses of water, or more. These days, I avoid getting out in the sun from 10 a.m. to 4 .m., as much as I could. It is really scorching hot; and one needs to wear sunglasses to protect the eyes from UV rays.

Nature lovers like us were so sad of what happened to Environmental Secretary Gina Lopez; she did not pass the approval of the Commission on Appointments, saying she acted so quickly in closing the mines, and other things that they say should pass approval of both Houses of Congress and Senate; that she should ask to pass laws to support her decisions! It’s legalese! We do not know, why the Commission on Appointments apparently did not see her points!

Actually, the best thing to do to be able to build your financial credibility is to live simply.

By living simply, means you get to pay your bills on time , buy what you only need and be able to save some for your future or a big want like a car.

Indeed, paying ahead of the deadline would create an image to the credit company that you are a good payor. Even without asking for an additional credit limit, they will keep calling you to avail of their low interest loan.

Why should you take the loan on the first place, when you have no need for it.

So, better yet, never entertain them, lest your debt will increase if you take them being enticed by the little interest.