On Money: What I Wish I Knew

It’s been a long time since the last the I wrote on my blog. But I’m hap­py that I still have you my loy­al read­ers and fol­low­ers of this blog. The rea­son I have pub­lished noth­ing yet is that there’s a lot of events hap­pened for the past few weeks and I am not sur­prised there will be more next month! I came from a mis­sion trip, attend­ed a seminar/workshop of John Maxwell etc. How isn’t a busy life it?

Being busy does not trans­late to being pro­duc­tive. Some­times we are get­ting busy because of unim­por­tant things. And as the old say­ing, “time is gold.”

Today, let me share some­thing I learned over the past few years when I start­ed my jour­ney to becom­ing finan­cial­ly lit­er­ate, and respon­si­ble.

I remem­ber when I was a fresh grad­u­ate, all I ever want­ed is to earn my mon­ey. Then my first salary came, then I received my salary increase the next year, but instead of being hap­py about it, mon­ey became a bur­den. I want­ed to jump from one com­pa­ny to anoth­er for one goal — to increase my salary.

But I noticed that even though we as mil­len­ni­als con­tin­ue to do that, I know peo­ple who are earn­ing more than I can­not save mon­ey. Why is that hap­pen­ing? It’s because:

 

1. It is not how much you make but how much you keep. A mon­ey not spent is a mon­ey earned.

Have you ever com­pare your­self to oth­ers before? Com­par­ing can get you nowhere. It’s like want­i­ng what oth­ers have.

Have you expe­ri­enced frus­tra­tions because oth­ers often com­pare to your sib­lings or cousins when you were young? That’s unfair! You are not them and they are not you.

The only best way to be con­tent and keep grow­ing is:

 

2. Com­pare your­self to your­self.

Com­pare how much mon­ey you saved last year ver­sus this year. Did it increase? My invest­ment port­fo­lio was around 70k last year, and it became 155k this year. It could have been 400k if I didn’t pur­chase a car and a piece of land.

The goal of com­par­ing your­self to your­self is to be bet­ter. In any area, may it be a career, rela­tion­ship, char­ac­ter, and wis­dom, it would be healthy to prac­tice self-eval­u­a­tion as Socrates a famous Philoso­pher once said; “An unex­am­ined life is not worth liv­ing.”

 

3. Good days are always ahead of us.

Have you ever expe­ri­enced time in your life that phe­nom­e­non called “when it rain, it pours?’” Yung nakaranas ka lang ng isang bad vibes, tapos tuloy tuloy na?

Ang sak­it bes! But don’t wor­ry, believe that good days are always ahead of us. Every pain and tri­als will pass, there is no tem­po­rary here in this world. As C. S. Lewis once said, “Isn’t it fun­ny how day by day noth­ing changes, but when you look back, every­thing is dif­fer­ent…”

4. Income — Sav­ings = Expens­es.

How I wish I knew this before I start­ed my first job. Often, I saved what is left when it should be I will spend what is left after tak­ing out my sav­ings from it.

The time I applied this prin­ci­ple to my finances, I did not com­plain that I was earn­ing too lit­tle. And if I exceed, there’s no one to blame but myself.

 

5. Invest in your­self first.

This is a must. Do not invest in what you do not know. I’ve made a painful mis­take of invest­ing with­out real­ly know­ing how it works. I lost thou­sands of mon­ey in invest­ing in stocks and VUL.

I am noth­ing against VUL here, but I made a mis­take of agree­ing on the agent unknow­ing­ly that I can invest on oth­er invest­ment instru­ments or he should edu­cate me more about it than mak­ing a sale.

 

6. Finan­cial sta­bil­i­ty is an illu­sion. It’s a mov­ing num­ber.

Num­bers are mov­ing. Did you notice it? The price of goods is steadi­ly increas­ing each year, so our needs also.

No one can ever be finan­cial­ly sta­ble or finan­cial­ly free unless he or she learns how to han­dle his or her finances respon­si­bly.

Be finan­cial­ly respon­si­ble.

 

7. Nev­er kill the goose that lays the gold­en eggs.

Some­times not because you are earn­ing more than the oth­er, you should leave the oth­er one and make more mon­ey with it. Would it be great if you have mul­ti­ple sources of income isn’t it?

 

8. Nev­er put your eggs in one bas­ket.

Diver­si­fy. Diver­si­fy. Diver­si­fy. The wis­est king on earth who ever lived, King Solomon once said, “Divide your invest­ments among many places, for you do not know what risks might lie ahead.”

 

9. The mon­ey will not make mon­ey. Idea is.

Don’t fall into the trap of what oth­ers are say­ing. You don’t need mon­ey to make mon­ey. Yes, you need a cap­i­tal to start a busi­ness, but it doesn’t mean all you need is mon­ey.

Your­self is still the best asset. Your ideas can change the world. Make it a habit to invest in your­self by edu­ca­tion, read books, learn from oth­ers. Gain more expe­ri­ence.

Still not con­vinced?

Did you remem­ber the first time you were apply­ing for a job? Did the HR ask you mon­ey? No. They asked you what tal­ents and skills can you bring to the com­pa­ny right? Then they will pay you for it.

Skills, knowl­edge and, tal­ents make mon­ey.

And last­ly,

 

10. The inten­tion will nev­er bring you to the des­ti­na­tion but the inten­tion with the right deci­sion with right infor­ma­tion will.

The inten­tion will nev­er bring you to the des­ti­na­tion. You can make plans, you can make goals, you can aim but achieve noth­ing.

From Where You Are to Where You Should Be

Last Fri­day, I woke up 6 AM and left home 9 am because I’m excit­ed to meet the stu­dents from Paman­tasan ng Lung­sod ng Mayni­la and for me to see also the Intra­muros for the first time. But turned out while dri­ving, Waze lost its sig­nal. I get lost in the cen­ter of Mani­la and after a few hours, I didn’t notice that I am already at Bula­can.

I was plan­ning to back-out for the said event since I’m lost and don’t know where to go next. But I believe it hap­pened for a pur­pose. Thank God, I arrived just in time at the uni­ver­si­ty for the event.

When it’s my turn to speak after the host intro­duced me to the audi­ence,  I shared to them three things they need to remem­ber when choos­ing a career path.

1. Dis­cov­ery: Where you should be?

Dis­cov­er­ing which career path you will take is not lim­it­ed to the field of study you are in right now. I sym­pa­thize with the stu­dents I met last Fri­day na ayaw nila sa course nila and di nila gus­to gina­gawa nila.

If you’re in that sit­u­a­tion, I advise not to quit. I have met a lot of peo­ple who grad­u­at­ed but even­tu­al­ly became suc­cess­ful sa field na gus­to nila. I believe the process of dis­cov­ery start­ed in child­hood. Ano bang mga madalas mong gina­gawa? Ano ba yung child­hood dream mo? Because a child wasn’t yet affect­ed by his or her cir­cum­stances. I want­ed to be a teacher, but I became an I.T pro­fes­sion­al but God is good, I am a teacherr not by pro­fes­sion nga lang bat by pas­sion and I get that through speak­ing and teach­ing Bible to Kids in Sun­day School. I shared to them what Steve Jobs said below:

Again, you can’t con­nect the dots look­ing for­ward; you can only con­nect them look­ing back­ward. So you have to trust that the dots will some­how con­nect in your future. You have to trust in some­thing — your gut, des­tiny, life, kar­ma, what­ev­er. This approach has nev­er let me down, and it has made all the dif­fer­ence in my life.”

- Steve Jobs

2. Deci­sion

Don’t make deci­sions quick­ly. Mahi­rap magde­cide kung saan ka ba tutun­go. I don’t rec­om­mend to just fol­low your heart, lead it.
Devel­op your char­ac­ter and atti­tide, that’s very impor­tant. Because in the end as what my friend said in his book Career Crossover:

Choos­ing a career is a crit­i­cal deci­sion. You can go places and suc­ceed or make your career worse than what it is today.”

- Ven­chi­to Jun, CEO at 22

And last­ly,

3. Direc­tion

You may choose entre­pre­neur­ship, self-employ­ment or employ­ment. Yung iba sinasabi mag­ing entre­pre­neur ka na lang.

But I say, what do you real­ly want? Not every­one is called to become enter­pre­neurs. Pano yon? Sinong mag­tu­turo sa mga magig­ing anak natin? Sinong gag­amot satin? Sinong mamu­muno sa bansa natin? Iba iba call­ing natin sa buhay and God meant it to be in har­mo­ny with one anoth­er. Iba iba man tayo ng tina­pos, ng tra­ba­ho, pero all of those work togeth­er for the com­mon good.

Not every­one are called to be entre­pre­neurs. Some are called to be employ­ees, oth­ers teach­ers, sci­en­tists, doc­tors, sol­diers, and etc. And we all need is to be hap­py and ful­filled doing what we do. No career is bet­ter or above the oth­er.

Thank you PLM in part­ner with Dev­con Philip­pines for hav­ing me. It was an awe­some day with you and sobrang na-inspire ako sa ded­i­ca­tion niyo to aspire high­er and become even greater in your field!

Don’t Measure Your Failure By What Others Have

 

Last July, I met with a friend and a men­tor, his name is Jesse, a fel­low toast­mas­ter, a speak­er, and a finan­cial plan­ner. We talk a lot about dif­fer­ent things and what’s going on with our lives, what’s my plan, what are my dreams and aspi­ra­tions. He even asked me when I could leave the cor­po­rate life.

Well, If it was not for the mis­sion that God gave to stay in the mar­ket­place for this sea­son and with the present real­i­ty of my life that I have bills to pay, and dream house to build, I wouldn’t stay any longer. My advice is that take it step by step.

 

Wishful Thinking

And then a thought came while lis­ten­ing to him that this per­son has achieved more than what I have achieved. Then in our cir­cles, one of my friends also at a young age became a CEO of a com­pa­ny. Wow! I am so priv­i­leged that God has brought me to learn from this peo­ple. But then, I became inse­cure; I wish I have start­ed ear­ly. I wish I have learned these things at a young age. How I wish, I did not apply for a job when I was a fresh grad­u­ate but rather start a busi­ness on my own. Ugh, wish­ful think­ing.

Can you relate?. How ter­ri­ble the feel­ing was when you are being sur­round­ed with suc­cess­ful peo­ple that you thought about your own fail­ures and what have you done in your life.

 

There is no wasted time for God

Then what he told me blew me away. He said, “Dhenn, it is not because you failed, or you missed the mark at that age, it’s just that at that young age, their sea­son has come. In every­thing, there is a sea­son right? A time to reap and a time to sow. Per­haps the time they were reap­ing, you were sow­ing expe­ri­ences.”

He remind­ed me that there is no wast­ed time for God. He caused all things to hap­pen at the right time. He caused all things to hap­pen to work togeth­er for our good whether it is bad, painful or not.

Then I remem­ber anoth­er friend came and said, “I’m so glad that God is doing great things in your life. I see some of it and He caused you to increase in every way but as I saw your life, I doubt­ed what God is doing in my life. I became full of doubt whether I am walk­ing accord­ing to His will or even ful­fill­ing the call­ing He has for me. I had not the same suc­cess as you are.”

 

You are not me

I looked at him and asked him, “Do you think you will still full of doubts and it would feel you bet­ter if you see me liv­ing a ter­ri­ble life and had been doing much worse in the past few years?” “Of course not.” He respond­ed.

I said, “Sor­ry but I didn’t mean to offend you but your think­ing is flawed. You said the oth­er was true but the sec­ond is not. If the oth­er is true, what I said must be true, because you are com­par­ing your­self to me.”

What hap­pens in my life and what God will do with it has noth­ing to do with what God is doing in your life. You are not me, and I am not you.” I added.

 

Focus on what God is doing in your life

I remem­ber a sto­ry of an employ­ee who was con­stant­ly com­plain­ing that man­age­ment is cor­rupt not lis­ten­ing to its employ­ees and some of his col­leagues are lazy and unpro­duc­tive. And then he set a meet­ing with his man­ag­er about it.

All the way down, the man­ag­er lis­tened to his com­plaints. Then the man­ag­er asked a favor from him. “Before you leave, can you give me two full glass of water, please?. Make sure there’s no spill will get into the floor not even a lit­tle.”

The employ­ee came back and gave the glass­es to the man­ag­er. Then the man­ag­er asked him, “While you were walk­ing with both of your hands have full water of glass, do you see any employ­ees who are unpro­duc­tive? Do you see any of them gos­sip­ing around? Do you see the man­age­ment scold­ing oth­er employ­ees?” “No there’s none.” The employ­ee respond­ed.

You will find that God rarely uses peo­ple whose pri­ma­ry con­cern is what oth­ers are doing. When God told Noah to build an ark, Noah did what God has told of Him, he didn’t com­plain that peo­ple are not believ­ing him.

Judg­ing oth­ers is a major waste of time. It halts progress. I’ve met and seen peo­ple doing that. They think they are doing bet­ter than the aver­age per­son in which it makes them an aver­age per­son.

It doesn’t mean that they don’t have what you have, doesn’t mean they are not suc­cess­ful. Your faults will nev­er van­ish by call­ing atten­tion to the fault of oth­ers. In the same way, it doesn’t mean you don’t have what they have, doesn’t mean they are more suc­cess­ful than you are.

Don’t let oth­ers define your suc­cess. Don’t let oth­er peo­ple tell you what you want. No one can build him­self upon the faith or expe­ri­ence of anoth­er per­son.

Don’t mea­sure your Fail­ure as a per­son by what oth­ers have, and your suc­cess by what oth­ers haven’t. Keep that in mind.

Radio Guesting at DZME 1530khz Kinse Trenta

Last July 27th, a few days after I post­ed one of my arti­cles that went viral, I was also receiv­ing a lot of mes­sages. I read them one by one and I was sur­prised that some­one from DZME 1350khz a radio host invit­ed me for their radio pro­gram.

I was sur­prised. I don’t know how to respond as it was my first time to be invit­ed for a radio pro­gram. But then I accept­ed the chal­lenge! 🙂  And just this after­noon, I am grate­ful that I have been giv­en an oppor­tu­ni­ty to be fea­tured on a radio pro­gram. It was fun.

First, I want to thank God for this once in a life­time oppor­tu­ni­ty. Thank you Ms. Jaemie Quin­to and DZME 1530 for hav­ing me as a guest to your #Home­Bud­dyradio pro­gram, and con­tin­ue to be an inspi­ra­tion to the youth. Thank you, men­tors and friends, for pray­ing and jour­ney­ing with me. Soli Deo Glo­ria!

Here’s a record­ed video of the pro­gram:

Hope you will learn some­thing valu­able from it! Till next time.

 

 

The ABC’s of How to Adult

In my recent arti­cle on “How to Sur­vive Every Month Finan­cial­ly” I was shocked that my arti­cle has gone viral. I checked the stats, and it gar­nered a total of 200,000+ views plus my email list grew by almost 300%. Wow, just wow.

First, if you’re one of the peo­ple who read, liked and shared my arti­cle, I would like to thank you. May God bless you more! It would not go viral with­out you.

Here are some com­ments I’ve received:

Thank you for those who left their mes­sage. You are tru­ly an inspi­ra­tion to me.

I’ve seen also some of the com­ments that well a valid com­ment why man­ga is being com­pared to books. Don’t get me wrong, I’m not com­par­ing them, it’s just that books encour­aged me to get out of my com­fort zone, it taught me to stop wish­ing and start work­ing on my dreams, and it taught me to pre­pare for life and how to be an adult.

With regards to invest­ing, I’m not an expert to answer all of your ques­tions as I’m only bas­ing them on my expe­ri­ences and wis­dom received from my friends and men­tors who are “finan­cial­ly-savvy”, but I would be glad to write some of the things I know in the next com­ing weeks.

I’ve said to my pre­vi­ous arti­cle that at the age of 20, it came to my sens­es that I need to grow up. How to adult sabi nga nila.

Now how I began to be an adult? I start­ed read­ing books and learn from other’s expe­ri­ences. That’s the first thing you should do; edu­cate your­self.

And that’s num­ber one lack­ing in our coun­try today. Peo­ple would nor­mal­ly go to what is easy that’s why in the end they left frus­trat­ed. With­out going on to the process of becom­ing the per­son you want­ed to be, you’ll be frus­trat­ed, dis­ap­point­ed and prob­a­bly you might give up too soon.

Now, I want to share with you the ABC’s of adult­ing or how it is to live like an adult. I got some of this from Seth Godin. Brace your­selves as some might get you feel uncom­fort­able.

A. Anx­i­ety is expe­ri­enc­ing fail­ure in advance. Would you like to fail? Tell your­self about the worst pos­si­ble out­come you will ever face. It doesn’t make you bet­ter.

B. Bal­ance, there’s no such thing as bal­anced-life or work-life bal­ance. Lose it and make your pri­or­i­ties right instead.

C. Com­mit­ment is the only thing that gets you through the chasm. Kung gus­to mong mag-ipon at mag-invest at mag­tagum­pay sa buhay, mag­ing com­mit­ted ka. Panindi­gan mo yan!

D. Dance with fear. Shake it off!

E. Effort. You need to make an effort.

F. Feed­back. Instead of using it to please every­one, use it to fur­ther push you to over­come what you fear and embrace what you’re capa­ble of.

G. Give cheer­ful­ly. The pur­pose why God is bless­ing us with mate­r­i­al wealth is to give it to oth­ers. Be a bless­ing.

H. Heroes are peo­ple who take risks for the right rea­sons. Don’t be a hip­ster who hasn’t risked a thing so they nev­er fail.

I. Always Ini­ti­ate. Pick your­self. Take ini­tia­tive. No one is going to pick you and say “hey I choose you!”. Hin­di ka Poke­mon.

J. Joy. Be joy­ful from being sat­is­fied. Dis­con­tent­ment will bring you trou­ble.

K. Kill. Kill your bad habits by replac­ing it with good habits.

L. Love. Love like Jesus. We can’t, but when you have a rela­tion­ship with Jesus, makakaya mo.

M. More is bad. It leads you to the world of scarci­ty. Do you know why some peo­ple nev­er sat­is­fied? Because they want more!

N. Some­times peo­ple answered you with “No” because it feels safe. But say yes to pos­si­bil­i­ty and yes to risk. Noth­ing is ever worth it with­out tak­ing the risk.

O. One more chance. It’s okay to fail, it’s okay to be reject­ed. Be bet­ter then try it again, one.more.chance (read it slow­ly para ma-feel mo).

P. We all need pain. We will not grow if we will not expe­ri­ence pain. You will not expe­ri­ence break­through if there are no “break me” moments.

Q. Qual­i­ty mat­ters. Want to improve the qual­i­ty of your life? Read qual­i­ty books! Wag yung pock­et book na iis­tir-up ka lang tapos tata­nun­gin mo sar­ili mo bak­it sin­gle ka pa rin hang­gang ngay­on.

R. Respect your­self. Know your worth. Stop try­ing to fit in. Be dif­fer­ent.

S. Share like giv­ing, share what you have.

T. Teach what you know, prac­tice what you teach. The most effec­tive way to remem­ber a les­son is by apply­ing it and teach it to oth­ers.

U. Unlearn. There are things you need to un-learn. Be like an emp­ty cup. Be ready to learn.

V. Vul­ner­a­ble. Being vul­ner­a­ble is the only way we can gain trust­wor­thy friends and men­tors. How can I teach you if you’re not open­ing your­self? How can we be friends if you’re clos­ing your­self to me? Open up your­self, but don’t be too soon.

W. Work like you nev­er work before. If some­one asked you to help him, go for an extra mile.

X. Xero­copy anoth­er term for a pho­to­copy. Don’t be a copy­cat!

Y. Youth. Don’t waste your youth. Make it mean­ing­ful and pur­pose­ful. Learn to num­ber your days.

Z. Zip your lip. Learn to lis­ten with your heart.

So far that’s it. I hope it will help you in some way in your quest to be adult. Haha. Till next time.

How to Survive Every Month Financially

I remem­ber the time when I was strug­gling to sur­vive every month when I was a fresh grad­u­ate with my 10,000 pesos gross pay­check. My good­ness, it was very dif­fi­cult when your food was a pares and fish­ball in the cen­ter of Makati and KFC fun­shots almost every day. Any­time I could vom­it.

Back then I was still play­ing an online game I used to play in col­lege.

But the moment I came to my sens­es, I stopped play­ing online games. “It’s time to be an adult!” I said to myself.

I was 21 when I tithed the 10% of my salary to church and believe God that I could tithe more than I can give every year.

I was 22 when I pur­chased a life insur­ance plan I was pay­ing 5,000 pesos per month in which they called VUL but after two years I stopped. Why? It’s not a wise deci­sion. I real­ize that if I saved that 5,000 pesos per month I should have 120,000 back then but I only have 80,000 worth of accu­mu­lat­ed cash val­ue. I rather switched to a term insur­ance.

I was 23 when I invest­ed in the stock mar­ket. My invest­ments grew to 6 fig­ure in 4 years time.

I was 24 when I pur­chased my first land prop­er­ty in Kingsville Heights Antipo­lo in which I am still pay­ing until 2024. And then I will use the por­tion of my invest­ments to build a house. Though I pur­chased it not for myself but for my future wife. Haha­ha! You might call me a fool but I have the faith I will meet her soon.

I was 26 when I opened an account for my future wed­ding fund. I applied for a health insur­ance plan as well.

I was 27 when I pur­chased my first car in which I used the sale of my com­pa­ny shares/stocks this year for the down pay­ment and will pay the amor­ti­za­tion until 2022.

So, at this stage of my life, I spend over 20,000 a month to pay my house loan, car loan, the inter­net and phone bill, health insur­ance, mutu­al fund, stock invest­ment, wed­ding fund, per­son­al things, etc.

Wew! It’s hard to be an adult! Haha! I nev­er strug­gled because God is meet­ing my needs and con­tin­ue bless­ing me so that I can bless oth­ers.

This might not be a good guide for those who are strug­gling to pay their debts, or hav­ing out­stand­ing loans but here’s how I was able to sur­vive every month and I hope it helps.

1. If you are sin­gle like me, live with your par­ents.

2. If you can’t live with your par­ents for some rea­sons, find a cheap apart­ment near your work­place. I did this when I was work­ing in Mckin­ley Hills every day.

3. Nev­er ask your par­ents for mon­ey, they suf­fered a lot already when you were still study­ing. Help them now.
 
4. Don’t take out a loan for a gad­get.
 
5. The elec­tric fan is enough, don’t use an air­con.
 
6. Don’t sub­scribe to a mobile sub­scrip­tion plan for the lat­est gad­get.
 
7. Buy at least a pair of clothes every two or three months.
 
8. Don’t buy new shoes unless they are worn out already.
 
9. Read books not man­ga or ani­me. (Okay, I’m a fan of ani­me, but I don’t con­sume a lot of time from it.) Books are still more valu­able. Pick and read a book and you will nev­er think the same way as you do.
 
10. If you need to de-stress, watch Kore­an Dra­ma at home or play Ever­wing in an hour, any­thing exceeds that is a waste of time.
 
11. Attend finan­cial lit­er­a­cy sem­i­nars and find friends and men­tors who can help you achieve your goals.
 
12. Do not save just for the sake of sav­ing. Save to invest.
 
13. Don’t com­plain if you can’t save because your salary is not yet that much, remem­ber, it is not about the mon­ey you earn, it is about the mon­ey you keep.
 
14. Don’t save and invest with­out a rea­son. Your 1 mil­lion pesos can­not give you hap­pi­ness, what mat­ters is what will you do with that mon­ey?
 
15. Start a busi­ness. 
 
16. Take free­lanc­ing jobs if you have the skill to do it.
 
17. Do not buy a con­do unit if you don’t have plans to make it as a mon­ey gen­er­at­ing asset.
 
18. Don’t buy a car if you are a fresh grad­u­ate. 
 
19. Don’t jump from one com­pa­ny to anoth­er com­pa­ny. You are not a horse, there’s no such thing as green­er pas­ture.
 
20. Build your career but take care of your­self.
 
21. Have goals. Be ambi­tious.
 
22. Make your own dream-board.
 
23. Exer­cise. Be healthy.
 
24. Have a rela­tion­ship with God. Seek Him first before every­thing else. 
 
24. Don’t bor­row mon­ey if you can’t promise to pay on time! Huwag kang uutang!
 
25. Want to save more? Set a por­tion of your month­ly salary and trans­fer it to anoth­er account imme­di­ate­ly once you receive your salary.
 
26. Bud­get and spend what is left.
 
27. Mon­i­tor your expens­es.
 
28. If you are dat­ing some­one, don’t go to an expen­sive restau­rant yet if you don’t have a bud­get. Don’t date to impress, date to get to know the oth­er per­son.
 
29. Bring a pack lunch or din­ner in your office. Iwas peer pres­sure, nakatipid ka pa.
 
30. Avoid peo­ple who love to spend
 
31. Don’t drink cof­fee from Star­bucks, make your own cof­fee!
 
32. Uti­lize your company’s over­flow­ing sup­ply of cof­fee.
 
33. Find anoth­er job that can help you earn more.
 
34. If you want to study, find a library, not a cof­fee shop.
 
35. Be a cheer­ful giv­er.

 

So far that’s it. I hope it helps. Always remem­ber, every finan­cial deci­sion is also a spir­i­tu­al deci­sion. Till next time.

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