Money saving tip

I'm going straight to the point - saving is a skill. It takes 3 things: discipline, discipline and discipline.

But let me ask you first. Why do you save? Why not just spend? Which is harder to do, saving or spending?

The rich have a different mindset on wealth creation - It's not how much money you make, but how much is left after paying all the bills. Think about it. No matter how big your salary is, what matters more is how much are you able to save before it runs out. And, what are you going to do with the excess, if any.

Let me share with you my story:

Believe it or not, but if i choose to, i can go to my  (daytime) work, and back home without spending a single penny. Of course proximity is a huge consideration, but that's besides the point i'm trying to focus on. You see, i believe i have already mustered the art of discipline. It's all about planning and execution and willpower. I consciously practice this "zero" expense ritual every now and then. And everytime i succeed, i pat myself on the back. For not only do i save in the process, but i also prove to myself that i can choose to NOT be a slave of money. I can survive the day without being tied up to my expenses or budget.

Oh, my secret? The ever-reliable lunch box. 

Simple living is the name of the game. What i save, i can invest anew. So, don't i have a sweet, sweet life? Then, from my work-at-home job at night, i make money some more and therefore save some more.

We Ilocanos are something, huh?

Earn extra cash. Be a VA

Once again readers, information is key.

Why not be a VA in your spare time? What is a VA? It is short for Virtual Assistant. It is the next big thing. And it is now in the Philippines.  DO NOT BE THE LAST TO KNOW.

Google search box below. Type in the words “ Virtual assistant”

Custom Search

Or click www.odesk.com

Or www.elance.com

Or www.rentacoder.com

If you know your way around the internet, and have extra time, you can be a VA.The playing field has just been leveled. Especially for us in the Philippines, age, nationality, sex, appearance, etc have just been erased as factors for employment.

Yes, the world has changed. A new age has begun. You may even quit your present job and work full time as a VA. Think about it: no more traffic, no more office politics.

Hesitant still?

Here’s another essential news: There is a seminar to be conducted in Taguig this coming Apr 5.Using the search box above, google” Jomar Hilario VA seminar”. Get ready to be surprised.

Be in the know, people. Filipinos in the Philippines are actually doing it. Even I am doing it.  So what are you waiting for? 

Earn money while sleeping

This is what I love about investing: You get to earn cash while you sleep. There is no greater feeling than knowing that your money is working for you than you working for money.

Investing is my life. It has been so since i made the U-turn a couple of years ago.


As you now know, among other stuff, i preach about the stock market. A good way to invest really, is in the stock market. If you were following my posts, yesterday i wrote about Philippine-based companies who did well lately. Now i dare you readers to

Making the U-turn - a true story

,

When we got married 7 years ago, my wife and I were making what I used to call “just right” income. We both have good jobs. We both drive our separate cars (which in the Philippines is uncommon) . Life was so good I was never complaining. We were content with our salaries taking care of the food and rent (yes, we were renting).

2 years into married life, I began questioning