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3 Kwento ng Paghihintay – Trabaho, Pagyaman at Pag-Ibig

Sa panahon ngayon na halos lahat ng mga tao ay nagmamadali, iniisip ko, may tao pa kayang marunong maghintay at mag pasensya. Narito ang aking 3 kwento ng paghihintay – sa trabaho, pagyaman at pag-ibig.

Sa trabaho:

Sa dami ng mga millenials ngayon na palipat lipat ng trabaho, naisip ko tuloy, mas matatalino na ba talaga ang mga kabataan ngayon kaya pakiramdam nila ay kailangan na nila agad ng trabaho na may malaking sweldo?

Sa totoo lang, marami akong mga kakilala na palipat lipat ng trabaho at minsan naiisip ko, bakit nga ba?

Ito ba ay dahil masyado tayong naiinip saan? Sa promosyon? Sa pagtaas ng sweldo? Sa bagong benepisyo?

Pero naitanong ba natin muna sa sarili natin ang mga ito?

Gaano ba ako kadalas pumasok ng nasa oras at paano ko ba ginugugol ang oras ko sa aking trabaho?

Ginagawa ko ba ang lahat ng dapat kong gawin at tintignan ang trabaho ko ng may malasakit at respeto?

Nalalaman ko ba na ang pagkakaroon ng trabaho ay isang regalo ng Diyos kung kaya dapat ay matuto akong alagaan ito at huwag abusuhin?

Sinisikap ko bang maging mabuting empleyado at hindi ko ba nininakawan ng oras o maging kagamitan ang aking kumpanya?

Sa tingin mo ba, karapat dapat ka ba talagang bigyan ng pansin at halaga?

Kung sa tingin mo ay ginagawa mo naman ng tama lahat, huwag kang mainip.

Naniniwala ako na lahat ng bagay may tamang oras. Bigyan mo ng ultimatum ang Panginoon natin. Subukan mo siya. Pero wag na wag mong babaligtarin ang sitwasyon na ang kumpanya mo ang may pagkukulang sa iyo.

Tandaan natin ito, lahat ng bagay ay pinaghihirapan. Hindi mo makikita ang totoong halaga ng trabaho mo kahit mag palipat lipat ka pa ng ilang beses kung hindi ka marunong maghintay at makuntento.

Natatandaan ko noon, Assistant Manager ako sa BPI, nauna ma-promote yung kasama ko. Nung una medyo nainggit ako pero inisip ko tama naman kasi, mas marami siyang nagawa. Sabi ko, gagalingan ko pa.

Nung oras na i-popromote na ako, akalain mong may mga naging balakid pa. Nagkaproblema ako sa isang bank account. Pero sa totoo lang pinaubaya ko na sa Diyos. Na delay ang promosyon ko ng halos isang taon. Ni minsan hindi ko kinulit yung amo ko. Sabi ko na lang ibibigay niya yan sa tamang panahon.

At alam niyo? Binigay niya nga. Lahat talaga ng bagay may tamang oras kasi pag binigay niya sa iyo iyon ng hindi ka pa hinog at masyado mong minadali, ikaw rin ang mahihirapan at mapapaso.

Doon ko rin natanto na marami pa naman palang ibang bagay na gusto ng Diyos na pagtuunan ko siguro ng pansin ng mga panahon na iyon kaya hindi niya pa binibigay agad.

Kaya ikaw, kapit ka lang.

Sa pag-iipon:

Paano kumita ng pera?

Paano magka negosyo?

Paano yung double your money?

Sa dami ng taong gustong yumaman agad, imbis na lalo tayong kumita, lalo tayong nabubutata!

Ang problema kasi sa mga tao ngayon akala ang pera tumutubo lang sa kung saan o basta napupulot sa daan o nahihingi sa magulang.

MALI.

Hindi sa pagyayabang.

Ako may lahing intsik pero hindi kami mayaman. Kami siguro ang intsik na walang negosyo. Byuda na rin ang nanay ko. At kahit hindi pa sya byuda noon, broken family na rin kami.

Tulad nga ng naikwento ko sa buhay ko, natuto akong magtipid dahil sa kagustuhan kong tumulong sa nanay ko.

At mula ng nagtrabaho nga ako, ni singkong duling eh hindi na ako humingi ng pera sa nanay ko.

Bakit?

Una, nakakahiya, malaki na ako, bente uno, pwede na ngang mabuntis at magka pamilya. Kaya dapat marunong na akong kumita at mag-ipon. Para saan pa na nag-aral ako kung iaasa ko rin?

At yun na nga ang ginawa ko. Unti-unti nag-impok ako at yung naipon ko habang lumalaki, lalo akong ginaganahan. Hanggang sa naabot ako ang isang milyon.

Doon ko nga naisip. Hindi pala imposible. WALANG IMPOSIBLE SA TAONG NAGSISIKAP.

Wala man akong mapagmamalaking negosyo, PROUD pa rin ako dahil, may sarili akong laptop, cellphone, bag, damit, pati bed mattress ko ako bumili. Meron na rin akong stocks, unit investment trust funds, emergency fund at insurance with critical illness benefit. Nakakatulong din ako sa bahay sapagkat ako ang nagbabayad ng aming kuryente. Nakaka travel na rin ako domestic man o international.

Mayaman na ba ako? Ang yaman kasi para sa akin hindi nasusukat sa pera lang. Ang yaman nasusukat sa laman ng puso mo at sa kung anu ang pinahahalagahan mo sa buhay.

Siguro masasabi kong MAYAMAN ako. MAYAMAN sa pagmamahal ng Diyos sa akin, ng aking INA at PAMILYA, mga KAIBIGAN atbp.

Masasabi ko rin na ang isang taong walang utang at nililinlang na tao ay MAYAMAN din na tao.

Ngayon, tingin nyo ba makakamit ko ito pag hindi ako marunong maghintay?

HINDI. Dapat matuto ka talagang MAGTIIS.

Kung tulad siguro ako ng ibang tao na gusto agad magpasikat o mag panggap na mayaman marahil ay hindi ko masasabing MAYAMAN ako ngayon. Marahil ay nag invest na ako sa mga SCAM. Pero hindi inaral ko ang stock market. Nag self-study, nagsimula sa maliit hanggang sa natuto. Pwede niyo I-check dito ang mga naging financial mistakes ko noon.

At ikahuli,

Sa pag-ibig:

Ito na!

Ang mga bata sa panahong ito ay napaka pusok. Marahil dahil na rin siguro sa teknolihiya. Sa mga dating applications, mga malaswang magasin at palabas sa telebisyon atbp.

At dahil dito, marami rin sa atin ang hindi makapaghintay sa tamang tao na nilaan ng Diyos sa atin. Kaya ano ang nangyayari?

Maraming babae ang nagkakaroon ng anak ngunit walang asawa

Maraming mag-asawa ang naghihiwalay

Maraming mga relasyon ang nasisira at nagkakaroon pa ng pang-aabuso

Iniisp ko, dahil ba bilang babae tayo ay mainipin? Sa totoo lang siguro may dahilan din naman tulad ng usapang panganganak. Bilang babae, sino ba naman ang may ayaw magkaroon nga anak sa edad na mas bata pa?

Pero gagawin ba natin itong dahilan para pumasok sa mga maling relasyon o pumatol sa isang taong hindi tayo kaya buhayin o ipaglaban?

Hindi ako perpekto, pero bago ko nakilala ang mapapangasawa ko ngayon sa edad na bente nwebe, marami ring masalimuot na nangyari sa akin na hindi ko pwede maikwento lahat.

Pero may isa akong napagtanto, ang Diyos talaga, ipupukpok niya muna ang ulo mo sa pader hangga’t matuto ka sa leksyon na gusto niya at hanggang maging TAMANG babae ka bago niya ipapakilala sa iyo ang para sa iyo.

Kaya ikaw na nagbabasa nito, may mga gusto ako sabihin:

Una, huwag kang papatol sa taong may asawa na o may ka relasyon. Marami pang lalaki sa mundo promise!

Nilalagay mo ang sarili mo sa isang bagay na kahit kailan ay hindi pwede maging tama. Kung sinasabi niya sa iyo na iiwan niya ang asawa niya para sa iyo. Huwag kang maniwala. Tandaan mo, ang tunay na pagmamahal nagbibigay ng KAPAYAPAAN sa puso mo. Pag hindi ka PAYAPA. Hindi yun para sa iyo. Makinig ka sa magulang mo.

Pangalawa, huwag natin ipilit ang sarili natin sa taong hindi tayo gusto. Doon ka sa gusto ka, laging kang gugustuhin at TANGGAP ka

Sa totoo lang, ni minsan hindi ko pinilit ang sarili ko sa taong hindi ako gusto. Bakit? Bakit hindi? Bakit hindi mo gagawin? Tandaan mo ito, ang lalaki kapag gusto ka niyan, siya ang LALAPIT sa iyo at hindi ikaw! Huwag mong hayaan dumating ang oras na maabuso ka lang dahil sa alam niyang may gusto ka sa kanya.

Isa pa, ang LALAKI ang nanliligaw sa babae. Huwag kang magmadali. Maghintay ka. Huwag mong ibaba ang standards mo para lang magustuhan ka niya.

Yung mapapangasawa ko ngayon, sa totoo lang hindi naman siya mayaman. Hindi sya tulad ng mga intsik na may negosyo na gusto ng mga magulang ko. Pero bakit sya?

Isa lang, HE PURSUED ME. Hindi siya na-intimidate sa akin. Naging matapang siya. Sinabi niya ang nais niya. Hindi sya PAASA. Imbis na ma insecure siya. Pinakita niya sa akin kung gaano siya ka proud sa mga achievements ko at pagiging alpha female ko.

Tinanggap niya ako bilang SMART CHINAY, KURIPOT na babae at MADALDAL na babae.

Maraming lalaki dyan nagpaparamdam sa iyo. Pero huwag mong intindihin. Pag gusto ka nila. Ipaglalaban ka nila at hindi sila maduduwag! Tandaan mo yan!

Kaya ikaw, relaks lang. Mahahanap mo rin yung katapat mo.

Ako nga nung mga oras na nagkakilala kami wala talaga sa isip ko na siya na yun. Pero ipapakita ng Diyos sa iyo kung siya talaga.

Balikan mo yung mga ugali na hinahanap mo sa isang lalaki at yun ang gawin mong guide! Doon sa listahan ko nilagay ko doon na sweet at may plano sa buhay at mahabang pasensya atbp. So far, lahat naman ng nailista ay tumugma.

Tapos tignan mo rin mga huling naging mga karelasyon mo, check mo at baka may gustong ituro sa iyo ang Panginoon doon. Marahil isang ugali na dapat mong baguhin. Marahil baka gusto niya pa makitang MAHAL mo na ang sarili mo at hindi mo ito hinahanap sa iba o marahil baka may dapat ka pang pagtuunan muna ng pansin maliban sa pag-ibig na yan!

Pangatlo, huwag maghanap ng perfect guy

Mga babae, walang lalaki na PERPEKTO. Lahat yan may pagkukulang. Kaya payo ko sa iyo, kung may lalaki na gustong ipa blind date sa iyo. GO lang. Huwag kang judgemental. Alam mo kasi nangyari na yan sa akin. Minsan, unang pagkikita pa lang sasabihin na natin agad, ayaw ko sa kanya.

Ang dating ginawa hindi para maging kayo na agad. Ginawa yan para kilalanin niyo ang isa’t isa mabuti. Kasi may mga bagay na higit sa pisikal. Yun dapat ang inaalam mo pag may ka date ka.

Maging open ka at huwag maging sarado ang iyong utak. Kasi pag hahanapin mo talaga yung IDEAL GUY mo, baka hindi mo siya talaga mahanap. At isa pa, hindi ka rin PERFECT! Okay?

 

Pang-apat, alamin mo gusto mo! Para yun ang ibigay sa iyo.

Anu ba talaga ang gusto mo? Dapat klaro ka. Huwag mong ipagdadasal na Lord, okay lang kahit tumanda akong dalaga. Mali! Kung gusto mo magkapamilya sabihin mo, dasalin mo araw araw. Huwag kang mapapagod at susuko.

Meron akong ka church mate, ang tagal na nilang mag-asawa pero wala silang anak. Pero alam mo? Alam nila gusto nila hindi sila sumuko kaya ngayon pagkalipas ng mga 10 taon sa edad na 40yrs old, nagkaanak na sila.

Kaya huwag kang magsawa magdasal at kausapin ang Diyos makikinig yan. At alam niya rin pag yung dinadasal pinaghihirapan mo. Kasi pag may pinagdadasal ka tandaan mo, hindi yan one way, two way yan! Dapat may ginagawa ka rin. Ang Panginoon, PARTNERS kayo dapat. Huwag ka ring abuso. Di ba?

Ito lang masasabi ko. Sana kahit papaano may natutunan kayo.

Matuto kang MAGHINTAY. Kasi ako may isang bagay ako na realize.

Ang Diyos paghihintayin ka, tuturuan ka maghintay, hindi dahil ayaw Niya ibigay ang bagay na iyon sa iyo, promosyon man yan, pera o pag-ibig. Ito ay dahil may silbi ang paghihintay. May bagay pa siyang gustong ITURO sa iyo na malamang ayaw mong gawin o iniiwasan mo o di naman kaya ayaw mo pa ring talikuran. Tandaan mo, pag HANDA ka na, pag HANDANG HANDA ka na, magugulat ka, ibibigay niya na sa IYO yun. Biglaan! At mapapangiti ka na lang. Mapapa buntong hininga. At masasabi mo na lang. Si Lord talaga, ON TIME!

Leave a comment below and share your thoughts.

I would love to hear from YOU.  =)

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9 Great Tips for Those Who Want to Be Finally Debt Free

When I was in Grade School, something happened to me that made me not want to borrow any more. I was forced by a relative to ask money from different people.

Since I was too young then, I followed out of fear. I borrowed money from classmates, from teachers, and even from strangers like security guards around the school.

I can still remember this one classmate of mine whom I borrowed P500 from. I can barely remember his name but I could somehow still remember his face. Every day, he would ask me when I will return the P500 I borrowed from him. But because I don’t have any money with me, I always tell him that I’d pay him soon. He would always ask me daily about the debt but I couldn’t face him. I tried avoiding him. I was too scared.

Until now, I have not paid him yet. And I am very sorry for what I have done to him. I was able to escape paying since I transferred to a different school the following year.

But that experience has taught me a lot. I don’t know if I have been traumatized by that event because now, I don’t want to borrow even a single centavo from someone. If I do borrow, even if it’s just a peso or a thousand pesos, I’d give it back right away.

That experience opened my eyes to the pain and stress that came with borrowing money that you cannot repay. I remembered myself being so nervous and anxious every time I recall that painful experience. I even remembered him telling me that he will already tell my teachers about it.

Though that experience was made out of fear, the feeling of being haunted by someone is something I will never want to experience again.

I hope that you’ll never put yourself in that situation. And I hope that if you’re in that situation now, give yourself a chance. Never allow your family or friends to suffer in the future because of the big debts you are carrying over your shoulders. Sooner or later, you’ll not be the only one who’ll get affected. Your family will be affected too even if you are doing it for them.

 

Since then, I have endeavored to be debt-free as much as possible.

Here now are my own personal tips on how to become Debt-Free:

 

1. Know your Budget

 

First, you must know how much you earn and how much you spend. You can’t practice spending below what you earn if you can’t identify where your money is going.

Here’s where budgeting comes in. It is very important for you to monitor your expenses by creating a budget plan. Write down how much you earn and how much your expenses are, then identify what should be lessened. If there’s a shortage (income<expense), then identify what expense eats up most of your income. Trim expenses that are unnecessary.

Your budget will show your spending habits. It will show how much you are spending on food, in travel, in movie tickets etc.

If you have a budget sheet, you could clearly be able to create ways of limiting certain expenses by assigning an amount to it every month when you receive your income.

This, of course, after you pay yourself first.

 

2. Pay Yourself First

 

Practice saving for yourself first. This means letting yourself get the first-fruits of your labor before restaurant owners, before friends, and before anything else.

There are many ways and formulas that people recommend in paying yourself first. But here’s a formula I like the most:

70% – expenses

20% – savings

10% – tithes/charity

 

You might want to create several JARS for your savings. One of them may perhaps be for your leisure.

If you can prepare for your expenses in advance by SAVING for it, then spending will be guilt-free.

 

3. Bring just ENOUGH cash every day

 

One way to resist impulse buying is to purposely bring less cash.

I practice this habit every day. Sometimes, I over-practice it. There have been times where I didn’t have any fare to pay to the Jeepney driver since the money that I have withdrawn earlier was not enough. Funny. But of course, I have my ATM Card with me for emergency purposes.

Lesser cash with you means lesser expense.

 

 4. Avoid Credit

 

Here’s one major reason why people fall into debt: Credit cards. People think that credit cards are a sort of emergency fund. But from the word itself, it’s a credit. It means that you owe it from the credit card company. It is something that should be paid.

I have more than 1 credit card that I am using now, which have waived annual fees for life.

I just use my card if there’s a promotion or instant reward by spending a specific amount.

However, I don’t bring it on a daily basis. Paying in cash is better. Because if you pay in cash, you’ll really feel the money going out of your pocket. The money you worked hard for will suddenly be gone in an instant!

Nowadays, there are many ways to buy your tickets online or shop online without using a credit card. Many banks offer what we call a reloadable debit card that acts similarly as a Mastercard or Visa card.

With this type of card, your spending is still controlled by the amount of money you put in that card will just be the money that is allowed to be spent out from that card. Think of it as a prepaid credit card.

Ask your nearest bank about this.

 

5. Do not fall into Peer Pressure

 

We all have friends who like to travel, eat out, or watch movies from time to time. It’s okay! Of course, they are your friends. Activities like this make your bond stronger. However, if you don’t really have enough budget for it, then honestly say NO. They will understand because they are your friends, right?

 

6. Identify if it is a Need or a Want

 

Needs are those things you can’t live without. We all know this. But few people understand it.

For example, when I go shopping around in the mall, I do not buy anything unless it has been initially planned.

So if you went to the mall and got home with lots of shopping bags with you, I guess it was not a need but rather a want.

Impulse buying is a common habit for most millennials. If you can’t resist shopping, then don’t just go into the mall, especially if there’s a mall-wide sale.

Ask these questions before you buy something:

  1. Do I need it?
  2. Do I have the cash to pay for it?
  3. Have I compared the price elsewhere?
  4. Will its value increase or decrease over time?
  5. Will this help me in my long-term goal?

 

If any of the answers are NO, then think twice. Think overnight and sleep over it before you buy it.

 

7. Increase your Income

 

If you want to live a more comfortable life than what you are living now, then look for ways to increase your income to satisfy your cravings and luxuries in life instead of getting a credit and borrowing from a friend.

If you want to have an iPhone 6s or Samsung Galaxy Note 7, don’t go to a friend and loan from them just to join the fad.

Why not work hard and accumulate money while you are still single with no dependents?

If you don’t have enough money yet to pay for something that you really want, use that financial pressure to help you to become more creative in finding ways on how to get more money.

 

8. Self-Control

 

I know it’s hard to control yourself. It’s hard to resist your wants. But remember this, if you can’t have self-discipline, then you can never ever manage your money properly. As what Robert Kiyosaki said:

Self-discipline is the No. 1 delineating factor between the rich, the middle class, and the poor.

 

9. Simplify your Life

 

Maybe much of your debts or soon-to-be debts are things that are not really important. Someone said, “The man who never has money enough to pay his debts has too much of something else.”

Learn to enjoy the things you have and delight in simple pleasures. There are still many ways to enjoy life for free.

What is important are the moments you have with your family.

 

I do hope my article helps. Again, I know some of you have debts because of your love for your family. Just be careful. Don’t let it pile up. If you really love your family, you’ll let them know your situation and you’ll help each other to be debt-free.

When stuck in debt, the odds of getting out may sometimes seem impossible. It’s a very challenging and steep road. But just stick to the ways of cutting down debt and believe in yourself that you can do it. Remember that there’s always the sunshine beyond the clouds.

Leave a comment below and share your thoughts.

I would love to hear from YOU.  =)

Also, if you haven’t done so already, be sure to sign-up for our free newsletter to receive new articles like this in your inbox each week.

What’s Your Purpose?

As I am writing this, I’m listening to wonderful music.

I have a blog to maintain but lately I have not written a new article for it yet.
Sometimes, I’m motivated to write, sometimes I question myself if what I’m writing for is worth it.

Do you ever wondered if what you’re doing right now is what you should be really doing?
Have you ever asked yourself, what could be your purpose in life is?
If you ask me now what I want, my reply would be: I’m still not yet sure.
I’ve realized that being unsure is OK as long as you’re doing and giving it your best now whatever you might be doing.

It is not about going to your purpose right away. It is about training yourself to accept some discomforts and unsatisfying job in your life to help you prepare for that big purpose that’s waiting in front of you.

You’ll never know how opportunities could open up to you. It may not be now, but it will happen SOON.

Our job, our failures they are just grounds for our growth and maturity.

We could never be purposeful if our foundation is weak.

So don’t feel bad if you can’t be that GREAT person yet.

Pray hard and just let yourself grow by stretching yourself. By taking one step at a time and by moving out from your comfort zone to your courage zone.

Finding your purpose would be hard if you are confined, so I’m learning to stretch everyday.

The road maybe long, the path may not be how you envisioned it to be. But with hope, faith and perseverance, I know.. I know God will lead me. And God will lead you too to that place that you have been dreaming for so long. To that place that excites you to be more and to give more.

Be patient. Your purpose will soon unfold.

Love Lessons
10 Most Important Things I Learned About Love and Being Single

As I turned 28 years old, I want to share the 10 most important things I learned about love and being single:

  1. The right man will come for the BEST reasons.

 

As a single individual, we experience a lot of pressure that we need to get married as soon as we reach the age of 24 or 25.

 

However, I realized that being single is more than okay than being with a man for the wrong reasons:

 

  • Peer or Family Pressure
  • Loneliness
  • Getting old
  • No choice – You always HAVE a choice.

 

Mr. Amari Soul says something about this in his famous book, Reflections of a Man:

 

“Don’t make yourself unavailable for the right man, because you became impatient and settled for the wrong man, for all the wrong reasons. Be patient.”

 

 

  1. Don’t rely on Dating Applications‎

 

Okay. I’ll admit it, I have used Tinder app before. My friends told me that if I wanted to date someone, I could find someone through this famous dating app. But I realized that dating applications like this could not give you a good man that you deserve.

 

Along the way, the BEST way to find a good man is to go to PLACES or EVENTS where there’s really a good man! Or from a mutual friend that knows this man.

 

If you are religious, join a Singles for Christ or a similar ministry. At least you’re sure that you’ll be attracted to a man who loves serving Christ too.

 

But then again, this is not me saying that all guys from Tinder are bad.

 

 

  1. Do not assume anything unless his intentions are clear  

 

Of course, I have dated guys already. One lesson I have learned is to never assume anything from the start unless he told you straight in the eye what his intentions are.

 

Ladies, you should remember that unless a guy includes you in his future plans, he is not yet serious to you at all. So never assume.

 

And guys, if you don’t like a girl, don’t play that you are interested. Be man enough to be honest.

 

 

  1. Be Open. Allow yourself to meet New Friends

 

In Chinese culture, we usually have a term we use for blind dates. We call this Kay Shiaw.

 

Because I have Chinese blood, I have experienced being “Kay Shiaw-ed” already.

 

Before, I was very hesitant to allow myself for these kinds of things. But after reading the book “I Kissed Dating Goodbye” by Joshua Harris and “How to Find Your One True Love” by Bo Sanchez, I have realized that dating should be something that will help you know each other more.

 

Dating exists for you to somehow investigate and observe this person. It is not something that will immediately lead you to marriage as what I have feared before. But it is something that will help both of you understand yourselves when you are in the dating process.‎

 

Dating should not be also exclusive as dating is not a form of romantic activity but it is an example of just meeting a new friend. It should not limit you to date others.

 

 

  1. ‎He should make the First Move‎

 

As a girl, you have to understand that even though aggressive girls exist today, guys still want to be challenged by being the one to make the first move.

 

They want something that is hard to get because they feel accomplished if they do get something that’s hard to get.

 

Reserve yourself. It’s the guy who should pursue you. Then again, be courteous enough to be honest if you don’t like the guy in the first place. Tell them right away.

 

 

  1. Be Natural. Be True.

 

When you love yourself and someone loves you as yourself you feel great.

 

Do not hide or change yourself at any time to be liked by a guy/girl. Show them who you are.

 

I am a very loud person when it comes to expressing my ideas. I have my own Facebook page. And if a guy cannot accept that, then so be it. It is better to be loved for who you are than who you are not.

 

I always say this: a relationship that wants to try to change everything about you is a very expensive relationship to hold on to.

 

 

  1. Being Single is a Gift

 

Living for 28 years has helped me a lot in growing as a person.

 

Being single gave me the time to know myself more and to love myself more.

 

Because I am still single, I enjoy a lot of things. I could travel alone. I could attend any seminar I’d like to attend. I could study another language or pursue a higher education. I could cut my hair the way I want it to be cut. I am very FREE.

 

Being single helped me to do a lot of activities that enabled me to discover my potential. It also helped myself to love myself MORE.

 

I want to share this story from Brother Bo Sanchez, in one of his talks.

 

He started by saying, “The greatest love of all…is EASY to achieve. Learning to love yourself…is the greatest love of all.”

 

He then tells the audience, “Is it true? Is it true that loving yourself is easy to achieve? Isn’t it that most of us find it difficult to love our self?”

 

I could not agree more with Brother Bo. Loving yourself is indeed a very hard thing to do. We want to love other people. We show our love to other people but we cannot love ourselves.

 

And being single gives you the best time, the opportunity, to love and discover yourself more.

 

I am proud to say that I have already learned to love myself. I’ve been through a lot before. I realized that my lack of love for myself is what’s causing me to feel down and insecure.

 

I’ve come to understand that God might have really tested me through time to so that I could grow more.

 

And because I love myself now, I know that I am now ready to love other people including the man of my life.

 

 

‎8. Remain Pure.

 

We must always remember to remain pure through our words, actions and thoughts.

 

Rissa Singson Kawpeng once told in her seminar, that you could always ask God for a second virginity in case you have lost it already. Just make sure that you already forgave yourself for losing it and have also asked God for His forgiveness.

 

Remember that as a woman, being pure is one of the most precious gifts you could give to your husband during your honeymoon.

 

*By the way, Rissa Singson Kawpeng, got married at the age 38. She is the best-selling author of the book, “Confessions of an Impatient Bride.”

 

 

  1. Best Time to Love Your Parents and Family

 

For me, being single is the best time to show your parents or siblings how much you love them.

 

Find time to be with them, to treat them, to make your mother or father your best friend. =)

 

You’ll surely miss them and the way they take care of you the moment you’ll have your own family to take care of.

 

 

  1. Love is to be Shared.

 

I want to repeat what Toni Gonzaga told in one of her interviews. She told the audience:

 

“Ganun talaga, ligawan niya ako.. ligawan niya lahat, buy one, take all.” (If he’ll marry me, he should not just pursue me but my whole family).

 

It is indeed true. When you truly love someone, you’ll love everything about him/her including his family.

 

What greater to celebrate love than to celebrate it will all the people you love.

 

This is very evident whenever I attend a wedding event of a friend or co-worker. People are very happy and the couple is equally happy but it is because weddings are celebrations. It is not just of two people but two families becoming one in the eyes of God.

 

That’s it!

 

To all single ladies out there: Just be patient. Find grace in waiting!

 

Leave a comment below and share your thoughts.

I would love to hear from YOU.  =)

Also, if you haven’t done so already, be sure to sign-up for our free newsletter to receive new articles like this in your inbox each week.

 

10 Most Important Financial Lessons I Learned in my Life

“Experience is the teacher of all things.” – Julius Caesar.

 

It is indeed true that aside from history and from other people, it is really through our own personal experience that we learn a lot.

 

There might be times that we have failed but if we learn from our mistakes and failures then we could proudly say that we have successfully failed.

 

As I turn 28 years old, I want to share with you all the things I have learned along the way: from managing my money, dealing with my work, and being a happy independent single woman.

 

I hope you could learn from my sharing. Here’s the first part of my learning:

 

My Top 10 Financial Lessons

 

  1. Saving early IS an ADVANTAGE

 

When I was in college, I remember saving my meager weekly allowance given by my mother.

 

The amount that I was able to save from my allowance, I used it whenever there was something that needs to be paid in school. As what I’ve told you in my story, I love my mom so much that I didn’t want to burden her anymore for any additional school expense.

 

When I received my first incentive pay from my job, I immediately went to the bank and placed it in a time-deposit.

 

I have realized that saving early really pays off.

 

Now that I’m already 28 years old, I have already established my emergency fund (3-6mos of your salary) and have placed my money in other investment instruments.

 

If I wasn’t able to save back then, I could not be this financially stable.

 

If you are reading this, the best time to save is NOW, regardless of your age.

 

  1. Credit Cards
I still have this cut credit cards as a remembrance that I conquered my credit card dependence!

I still have this cut credit cards as a remembrance that I have conquered my credit card dependence!

 

When I first got my job, we were privileged that we got to have our own credit card without any requirements needed.

 

I was so happy because by having a credit card, you got to enjoy perks, earn rebates, book travels, and shop! Yes, you could just shop and swipe!

 

But like any person, there was a time that the use of my credit card was already out of my control. I overspent.

 

Because of this, what I did was I literally cut my credit card into “pieces,” and promised myself not to use one anymore!

 

The lesson I have realized here is that, if you cannot pay your credit card total amount due in FULL, don’t get one!

 

Now, I have 3 credit cards but I am now more disciplined and in control. I always pay in FULL and on TIME.

 

If you can’t control yourself, I advise you: SAVE YOURSELF! DO NOT GET ONE even though someone offers it to you! You know yourself better.

 

 

  1. Real Estate
I sold this already. But I don't regret it. This was a lesson I have to go through.

I sold this already. But I don’t regret it. This was a lesson I have to go through.

 

Last January 2011, I bought a condominium unit. I bought this condominium not thinking about the costs that I would later on carry as well as the dues and maintenance that were needed for its upkeep.

 

I bought it because back then, I was too proud of myself. I envied my co-worker who bought one. He told me that it is his investment. And, without studying what I was getting myself into, I bought it!

 

I told myself that I wanted to challenge myself if I can.

 

But it was a WRONG decision. Wrong decision because I bought it for the WRONG reasons.

 

After 3years of paying for the down payment, I posted an ad at olx.com.ph to sell it just because I didn’t want to have it financed in a bank and pay for an additional housing loan interest rate for 10-15-20 years.

 

I was too afraid to loan but back then, I was already approved by a bank in case no one would buy the condo.

 

I have realized that you should not buy something unless you have a CLEAR goal on why are you buying it.

 

When I bought it back then, I didn’t have any GOAL for buying it. I bought it out of envy.

 

I want you to realize that before you buy anything, MAKE sure that you have a plan and make sure to CALCULATE all the costs that are covered for that property – interior design costs, maintenance costs, condo dues, taxes, etcetera.

 

Do not buy out of impulse especially when it comes to big properties like this. Because at the end of the day, you don’t want to sell something at a loss.

 

Note: This year, I will buy a real estate property again. But now I can say that I am more than prepared because now, I have a goal and I know all the responsibilities.

 

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