What to do to be Financially Free? Raise Your Income Vs Adjust Your Spending Habits

This is the hardest battle there is based on the advice given by financial experts on how to be financially free.

Money experts point out that spending habits are to blame as a hindrance to financial freedom.

Saving 30k in 4 Months Update

Part of the reason why I am posting this goal of mine is for me to have accountability to make this goal a reality.

Pera Agad? Filipino Mindset on How to Earn Money?

The most popular Filipino mindset with regards to money is the get rich quick mentality.

That explains why lotto outlets are always full especially when the jackpot hits an all-time high.

But the get rich quick mindset often doesn’t lead us to a well-off life.

So.

What can we do in able to be successful and earn money?

According to James Clear the author of Atomic Habits which I am currently obsessed right now, check him out thru Youtube podcast or grab a copy of his book, rather than focusing on the goal, one should be focusing on the habits that precede the goal.

If successful and unsuccessful people share the same goals,

Then the goal cannot be what differentiates the winners from the losers. –James Clear

How can we build a habit that makes money?

For example;

My goal is to earn X amount of money thru the Philippine Stock Market.

Rather than picking a stock that I think that will increase in value fast, one should first be focusing on learning how each stock rises or loses its value.

This can be an everyday opportunity because gainers and losers in the stock market changes every day.

The habit of opening my account and analyzing each stock code will give me an invaluable insight regarding how the stock market works.

Ditching the possible earning that I will gain and dedicating months of studying the stock market without fail will give me the identity of being a stock market analyst.

Or if I am testing my strategies out and buying a small amount of lot size every time to prove my studies then I am gaining the identity of a stock market trader.

No single instance will transform your beliefs,

but as the votes build up,

so does your identity. – James Clear

This is why habits are crucial.

They cast repeated votes for being a type of person. –James Clear

That explains why a lot of successful people chooses their passion as a career, because no matter what the outcome will be or no matter if it will take years for them to become successful in that field, they are constant on doing that certain passion.

They make a habit of doing their passion consistently because they cannot turn away from it because they love their passion in the first place.

My take-away on how to make a habit that will make you successful and give you a lot of money?

·        Start now and set aside the goal

·        Focus first on the small habits that will turn you to your goal

·        Make a habit of writing if you want to be a writer

·        Have a specific time to do your habit every day

·        You will not see results instantly but make your writing* (*or any habit you choose) experience a rewarding one so it can fuel your desire to do it again and again

·        Continue on doing the habit anyway as they cast a vote on the type of person you wanted to become

That is it for now.

Thanks for reading all the way!

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Paano Palaguin ang Savings w FarmOn ( Increase Your Savings thru Investing )

Last month, I received an email from FarmOn saying that my investment has already yielded!

Yey!

Investing your savings thru crowdfunding platform like FarmOn is one of a good way in my opinion to increase your money.

My Advice to Newly Graduates : Getting that First Job blognigigi

This is not really a timely post because of me giving advice for graduates this August is a bit off but anyway I will still post this one and hope you can get something good out of it.

1.       Forcing to Climb the Corporate Ladder

Money Mistakes I did in my 20’s that You Shouldn’t Do

Living paycheck after paycheck is one of the worst feeling I’ve ever felt back in my 26’ ish and 27’ ish.

Upon contemplating what actually happened in the past, I realize the things I did in my 20’s about money that is an absolute no no and I wish I didn’t do. 

Skype Verification For Col Financial – Easy Application for Broker Philippine Stock Market

Let me walk you through how applied easily on Col Financial and start my Philippine stock market trading.

If you don’t have the time to actually go to Col Financial Office, sending your application via LBC/ courier is the best way to do so.

Pagibig MP2 One Time Payment? Paano Kumita ng Mas Malaking Interest? blognigigi

Let me set the definition of Pagibig MP2 first, Pagibig MP2 is a type of time deposit offered by HDMF or Pagibig Housing.

Time deposit means your money is locked in for minimum of 5 years and you can renew it for as long as you like.

Single Pero Walang Ipon? Paano ba Magipon?

The best time to start saving is when a person got his/her first job, that’s my humble opinion.

But most of the time, when you get out of college and start pursuing the “corporate world” you are still figuring out what you really wanted in life so, at most, young people/singles fail to prioritize financial freedom and hence savings.

I am not exempted.

I didn’t have any savings and haven’t really decided to put focus on my financial freedom not until I am 27 years old.

Saving 30k in Four Months || blognigigi

How to save 30k pesos in four months as a call center agent?

I’ve been writing how I’ve been saving money or setting aside 10 thousand pesos monthly for 3 different purposes.

That is one, for investment, two for tithes, and lastly for self-love fund.

I wanted to change up my saving game and wanted to have a goal at the end of this October.

The Faceshop Products I Love Review || Charcoal and Konjac Cleansing Puff

As promised, the next thing I am going to review is the charcoal sponge of The Faceshop.

The Faceshop Products I Love Review || Rice Water Bright

The last product from The Faceshop that I reviewed is their Ink Lasting Foundation and I absolutely love them.

With my purchase, I was given samples like face masks and facial cleanser.

The facial cleanser that I receive is the Rice Water Bright and it turned out that I absolutely love this one too.

Save Money 10k Month : Call Center Agent || June 15 Update

Salary day and it’s another opportunity to think, what are the things I can do to boost up my earnings?

Passive income is a no brainer choice for me because I work full time, juggling my time between my passion, work and investing is just the right formula for my life.

A Call Center Agent Investing in Stock Market (Col Financical) 6th Month Update

I’ve been very vocal on my stock market journey on a lot of my Up Career post.

I had high hopes and until now I still do so now I am doing my sixth-month update.

I started investing in the stock market last December 2018 and today is June 2019.

Save Money 10k A Month May 30 Update

My 10K challenge is still on.

I change where the 10k should be going last April but nevertheless the total is still 10k.

The breakdown is basically;

          Tithes

          Investments

          Self Love Fund

Saving 10k for Investment vs Travel Dilemma for Malaysia

I’ve been talking about my plan to travel a lot of times in my blog post.

This travel has been postponed for over two years now but now I think it’s finally happening.

Save Money 10k A Month : Vision Board in the Middle of 2019?

The beginning of January 2019 is a year of hope for me because I just started investing in the Philippine Stock Market.

With all this hope, I am actually eager back then to make a vision board but failed to make it a reality.

Save Money 10k A Month May 15 Update

Another salary, another opportunity to save money!

Save Money | 4 Baon Ideas for Less Than 500 Pesos

One way to save money is to pack lunch to work.

My company actually provides food for free but I sometimes miss eating something different, so at times I bring baon / pack lunch to work.

Save Money 10K a Month April Update

Time of the month where we all get our salary and this is another opportunity for us to save excess money and grow it thru investments.

Save Money on Internet : Plan Vs Prepaid

You probably already know my goal every month is to save P10,000 out of my salary.

Having said that, doing blogging, trading / studying the Philippine Stock Market and my favourite past time of surfing the internet requires me to have an internet connection.

My internet fees should definitely fit within my salary range, something I can afford without compromising my priorities.

Save Money on Easter is Impossible

"On the Third Day He Rose Again"
Luke 24:5-8

Shout out to my fellow believers!

Sadly I wasn’t able to stick on my budget this Easter.

So I like to put up a plan for next year in able to prepare myself on another Easter just like this one.

Save Money: Lose Weight w/o Breaking my Budget

On my last post, I mentioned that the biggest culprit on ruining my budget is food.

Because of my goal to be fit I’ve been trying out healthy foods that cost a bit more than my usual.

Save Money 10K A Month || Call Center Agent

I previously wrote on how I stopped saving money.

Saving money alone means losing money over time and will definitely not get me the Financial Freedom I want.

But actually, I am still saving money.

I Save & Invest While Having My Dayjob

As a person who is earning a bit over above minimum wage, growing money passively is one key to accumulate wealth.

As a lot of post over the social media says, you cannot be rich relying on salary alone.

So I have to think of ways to have multiple streams of income while I am working basically for 8 hours.