03/02/2022
โKung yung iba galing from rags to riches, ako naman from riches to rags. Yan ang storya ng buhay ko. My parentโs business shut down when I was in 6th grade - we lost our 3 story building house..I was sent to province sa kapatid ng magulang ko para lang makapag tapos. Imagine, being a kid was sent home to a place na walang kilala - I remember I was always crying dahil sobrang home sick ako.
Fast forward, I was able to graduate sa wakas High School and College with the help ng kapatid ng tatay ko. I thought after college, duon na magstart magbago buhay ko pero hindi. Sinampal ako ng realidad na - hindi enough yung nakapagtapos ka. Hindi enough yung kinikita ko para masuportahan magulang ko dahil breadwinner nako. I resigned, worked in the BPO industry then I saw an opportunity in working online a.k.a Virtual Assistant and now I am earning 70-80k per month depende sa clients ko.
Hindi dun natapos - even though I am earning a good amount of money, nabaon ako sa utang, naputulan ng ilaw pa nga eh. I learned the hard way. Sinabi ko sa sarili ko na ayaw ko na paycheck to paycheck. Ayaw ko na yung feeling na kapag 1 week before sahod, mangungutang ako para lang may pang kain.
I started investing in my financial knowledge. Kasi kahit gaano pa kalaki yung kita mo kung hindi ka marunong humawak ng pera, wala din.
Kaya before I invested sa first property ko, I made sure na meron akong 6 months Emergency Fund, may separate savings, inuna ung insurance - currently meron akong isa para sa sarili ko and isa sa magulang ko then St. Peter's plan.
I decided na kumuha na ng property dahil nagrerent din naman ako dito sa mismong property na kinuha ko din, imbis na magrent pako, same lang naman ng monthly amortization and I also made sure na may ibang source of income din ako.
Tip ko lang - ang pag iinvest wala yan sa tamang edad - nasa commitment and priority yan. Before investing on anything, check your priorities first and always delay gratifications."
