Pinoy Financial Freedom & Money Tips
Because personal financial management has not been thought in Philippine school system, here are some ideas that will lead us all to financial freedom and success in managing our money for our sake...
We Filipinos needs financial literacy and debt management skills
When I first started this blog, my aim is to teach myself as I blog my way to others. One of the things that I would like to happen is to finally apply what I learned from various books and ebooks I have read so far on this sensitive subject - my financial literacy.
For a while I thought I am financially literate. I am a CPA by profession and a financial planner at that but I can say that my finances, for the most part, is in a mess. As of now, I am still getting out of the pit of debt hoping that within early next year I can pay of all my nasty credit cards and loans.
But I am on it. From a whoping half a million pesos 6 months ago to less than P200K now. My recent financial struggles have brought me to a realization that prompts me to make certain decisions that changed my life entirely. Spinning my financial mess 360 degrees would mean a lot of sacrifices for the luxuries I once had from debt. I have to pay the price. I have to...
I HATE CREDIT CARDS! (Well, lately I guess coz I kept on using it before so I will be hypocrite if I say I never loved to use it.)
It was my fault though. I thought all these loans will help me out propel my business so I kept on borrowing and borrowing until I woke up one day my debt is full to the brim of my credit limit. I thought it will give me the luxury of owning things I dont need at the moment but are nice-to-haves in our lives. I thought this credit will help me secure a bright future for me and my family. I was wrong. Sounds familiar? I hope this would not happen to you.
This blog will tell my story and my family and friends' stories of struggle and battling our way of the crisis that is within most of the Filipino homes today - the rising and menacing costs of credit in our lives. The credit card that I thought was a friend was now an enemy to me. And I want to get rid of it fast and quick.
I hope this blog will help me instill in my system everything that I will write here and continue this momentum and focus on becoming debt free and wealthy in 2008. I dont want to get back to my old debts. I want my life back.
Are you with me?
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Success Ingredients
- Why most successful people need to shape up and be healthy?
Today I went to the gym and started again my usual crunch sessions to get rid of the flabby waistline engulfing my belt recently. I hate it since and I hate it now. I can't stand to see it as I tucked in my slim fit long sleeves for work. I think I am one of the few people who wants to maintain a stiff abs for as long as gravity will allow. And I am proud to be one...
You see its been a while when I went to gym. I calculated probably a year and a few months. Now I am back again, at the "break in" stage when every part of my body that have been stretched, pumped and curled are aching. I hate this feeling. It usually last 4 days when I felt pains as if I had a flu.
But yeah I have to get back. At least I was able to start again last week. I have been passing by that gym for so long that I finally broke the monotonous look and sigh as I I only hoped to start. Now I started... (sigh again)
The reason? I was listening to Steven Covey's 7 Habits of Highly Effective People audio book in mp3 about 2 weeks ago and one of the things he mentioned about successful people is the power to control one self. Again, I heard Discipline 101 and struck me hard to think that I hate something (my flabby abs) and I am not doing something about it. I am letting it eat my belt and push out my underwear!
Mr. Covey further pointed out that the reason successful people are successful is because they know how to take action when they have to - even in little things like going to the gym and taking care of one's health. Its often viewed as chore by most people but to the few successful ones, its the secret to their conquest of life's challenges.
Now I am going to the gym not only for health but also for discipline. I am starting a new look at life and not forget what matters most to me. To be ready for success whenever it may came.
How about you? Have you been in the taking care of your health lately?
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