Never give up!

never give up

One thing that I intend to do this last month of the year is to prepare for the coming 2015. I intend to be stronger, braver, and better overall this coming year. I intend to have MORE and that means working even harder than I ever did in my whole work life.

I need to beef up by being healthy. I intend to go back to being a corporate rat and that means fixed working hours. I need to condition myself to waking up early again, braving the rush hour and traffic jams, and working for a boss again.

I can do it! I won’t give up!

You should, too.

🙂

Something to think about…

Are you fulfilled doing work you don’t like because it pays well?

I heard this question on the radio and it made me think. No I am not fulfilled but there are days I can feel a certain sense of fulfillment, if you can call it that, because I did something good for the company. Yes, my work pays well and I am thankful for it. But given a chance wherein I am not thinking of my family and all I need to do is feed myself, I would be contented with a lower-paying job but wherein I can feel contented and happy.

Book review: I Wish They Taught Money in High School.

I saw a post in a Facebook group where I belong to regarding this back-to-back book, I Wish They Taught Money in High School. I must admit that the covers alone caught my interest. Cute covers, don’t you think? And then I read the title and I immediately thought that the book was definitely for me! Very catchy!

I read the first one, I Wish They Taught Money in High School So I’m Not Dependent on My Paycheck by Clarissa Seriña-de la Paz. Let me tell you first that I was prepared to like the book. I wasn’t taught how to handle money back in high school but I knew that we didn’t have enough so I learned early on to manage what little school allowance I had. This book tells of the author’s experience in handling money and being taught by her parents. It also tells of how the author used Robert Kiyosaki‘s Cashflow 101. And so much more!

The second one, the other book at the back, I Wish They Taught Money in High School So I Can Start My Own Business Right Away, is, well, all about money and doing/investing in a business.

Let me just say something about the two books. Both authors grew up with privileged lives. They were not typical Filipino kids who struggled with their school allowances and all that. Growing up, they had parents who had enough money to give to them and to teach them how to manage it. They didn’t grow up seeing their parents cry over not having enough after paying all the bills. They didn’t grow up seeing their parents struggle with paying their tuition fees. I am not saying they grew up with perfect lives. But finance-wise, I don’t think they really know the meaning of stretching the last centavo.

This blogger, along with majority of Filipino kids, grew up with almost nothing!

I know that both books are meant to teach us how to become good handlers of money. I like that a lot! Now, I have enough so the book will somehow be able to help me handle my finances better. But majority of Filipinos in this day and age are minimum wage earners. I don’t think the book will help them stretch what little cash they have.

Let me focus on one lesson that Ms. de la Paz got from her mother. Always pay your credit card bills in full. That is one very good advice! But let me tell you what reality is. You apply for credit cardS because your paycheck is always not enough! You use your credit card for grocery shopping. You use your credit card to get appliances and furniture for your home in installment basis. You use it to pay for school supplies and other stuff that your kids need. When your credit card bills arrive, you pay whatever amount you can afford above the minimum amount due, and then you wait for bonuses and other work incentives to be credited to your paycheck before you pay for most of your bill. No matter how much the average Filipino worker desire to pay his/her credit card bill in full, when the take home pay is not enough, he/she can’t! And that’s the reality of it.

I appreciate the efforts both authors put in their books to teach us all about managing our finances. It is great that they want us to increase the value of our net worth. But the sad reality is that, no matter how much you want to invest in stocks, money market instruments, time deposits and such… no matter how much you want to put up your own business, if you don’t have enough, you can’t. Believe me, I’ve been there so many times in the past. Even now that I have enough, I have priorities I need to allot cash for before anything else.

Overall, the book is for Filipinos out there who have more than enough to spare after paying their bills. Both books are good but not meant for everybody, in my opinion. It is certainly not for me.

Note: I am really sorry I would like to give the books a more positive review but I have to be true to what I felt like after reading both.

Note-2: The book was given to me for free in exchange for a review.

Blogger’s note: This review was also posted in Addicted to Reading.

Beat the heat!

Boracay

Weather in Metro Manila for the past couple of days averages around 32-34°C. It’s really HOT! What better time to cool off than this weekend with the family. Hit the beach or go to a pool nearby and chill. Remember to hydrate as well. Drink lots of water. Or better yet, go grab a smoothie or some milk tea along the way.

Have fun under the sun!

Happy weekend everyone!

😉

Friend requests

I got a friend request from a high school classmate. I think I mentioned it in the past that my Facebook account is only for the people with whom I really interact with. Or to those with whom I want to reconnect with. From time to time, I accept friend requests from old classmates. But I check their profiles first since I want to know if they are the same person I’ve known in the past.

This old high school classmate of mine was not really a friend. I barely talked to her in class. We were only classmates in freshmen year. After that, I didn’t know what happened to her anymore.

So I checked her Facebook profile. And boy did she looked crazy to me! Literally crazy! She also looked like she’s in the flesh trade, if you know what I mean.

I ignored her friend request. As I’ve said in the past, my Facebook account is not there to win the most number of friends in the history of social networking. It’s there to communicate with friends and love ones. I really ignore friend requests from persons I am not interested in becoming friends with. Or to those who look totally weird or crazy to me. Like that old high school classmate.

Do you approve all Facebook friend requests you get?

Live abroad

I don’t really intend to move away from my country but there are some things that I feel like I’m missing out on because I’m here. Concerts, plays, book signings. These are just three events that I feel I missed out and am still missing out on. Not all of my favorite bands and solo performers come to the country to hold a concert. It takes years before they come. Think John Mayer.

And then there are the plays. It would have been great to see Rent on Broadway when it was still running. And the book signings… There are so many authors that I really like and I would have loved to get my books signed. As usual, they don’t come here. Only a handful come and sign books.

These are just some of the reasons why I would have loved to live abroad.

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