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
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
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!
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.
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.
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.
For the past 7 years of working in the corporate world, I have seen many people are leaving the company for many reasons.
I remember the first time I step my foot in the corporate office. It was amazing to see how people work together. The office was full of decoration; the canteen offers a food you’ve never tasted before, the overflowing cup of coffee, plus you will own a laptop!
But the longer you stay, the more reality you will see. Some people didn’t enjoy what they are doing. Many people are leaving because they lost their most precious time on the things that matter. And some suffered major health issues.
It was 2011 when I left my first job because I’ve seen people are leaving. I decided based on my emotions and what other people are telling.
When I landed a job in Hewlett-Packard, I thought it is a perfect company. But the longer I stay, I have seen again many of my colleagues leaving.
2014, when five of my teammates left.
2015, another two of them left.
2016, though I transferred to a different team, I’m still seeing this. Employees leaving the company seems a continuous trend every year.
It hurts to see when one of your closest friends leaving. It is heart-wrenching. It’s like a part of yourself tearing away from you. Sepanx (Separation Anxiety) as they call it.
With that you there will be chances you’ll lose your enthusiasm to continue to work.
Revisit your goals.
I remember it was 2014 when five from our team left the company. There was a lot of workloads has left. Everyone was facing a dilemma if it still worth it to stay.
I faced that dilemma too. I prepared my resume and send it to different companies. In fact, there was a company who gave me the job offer, but I declined.
Why I rejected the offer?
Because I realized, it was just a burst of emotions. I don’t know what will happen to our team. That time I questioned myself, “will our team will get through? Or we will dissolve like what happened to other teams?”, “despite all the mergers, acquisitions, the company’s revenue is still not increasing, revenue goals still not met, will it be worth it to stay even I don’t receive a salary increase?”
The reason I didn’t accept the offer was, before the day I was about to return for the job offer, I revisited my goals.
And then I asked myself, “If I will leave my job today, will my goals still keep intact?”, “Do I need to start over again?”
Revisiting your goals allow you to reflect on your past failures and successes.
When I revisited my long term goals, I realized that the first two years of my career wasn’t good. I was a job hopper and with that, it never helped me to get ahead in life.
As a millennial, deciding to stay longer would be a little bit difficult. But it helped you to grow professionally and personally. If working for your company still excites and challenge you, then don’t leave yet. Build your career on it.
Know your deepest why.
Why you do what you do? What comes to your mind each time you wake up in the morning? What are things that capture your interest? What are your passions?
Many people do not know what their passions. You can easily know it if you ask yourself:
“What makes your heart sing?”
And follow the 5 why’s principle.
I learned this principle two years ago from my White Belt and Yellow Belt Lean Six Sigma Training.
In this principle, we ask 5 why’s or sometimes more than that for each occurring issues because we need to identify the root cause of it to develop a permanent solution or fix for it. Thus, promoting cost savings for the client and ease of work for us.
But in this case, I believe we can apply it also in our lives. And in this context, you’ll assess the root cause what has triggered you to make plans about leaving the company.
Why some my colleagues are leaving? Is it for financial reasons?
Then why it triggered me to follow? Am I struggling financially as well? Does my monthly pay check not enough anymore?
Why I’m struggling financially? Because I spend a lot. Have I many bills to pay?
Why you spend a lot? Want to enjoy life because you know you only live once.
You see, every “why” leads you to your deepest concern. If your last “why” doesn’t persuade you enough to follow people who are leaving the company, then it’s not worth to follow them.
I mentioned earlier that I’ve been in the corporate for 7 years. Some people might even longer than I am, and for the meantime, I believe this is the place where God has called me for this season of my life. And if He’s going to pull me out of it, I will definitely leave the corporate life.
Every year you’ll be facing the same dilemma. But your deepest why will either make you stay or pursue your goals and aspirations.
Nearly 80% of millennials are now in the workforce. It even surpasses Gen Xers as the largest population in the workforce. Besides for labeling our generation as the most entitled generation, millennials are also over work, overweight and over stress.
And most of the time, it happens because they finding purpose, identity, and significance on the things they do.
But not everyone is built for one job. The chances are, many millennials get easily bored at their jobs, including me. Being 7 years in the corporate world, I’ve experienced this with myself. Every year, I longed for something to do that challenges me to take a risk, will give me the experience to fail and learn, and make me grow personally and professionally.
It was 2 years ago since then the first time I asked my manager to transfer me to another role, but he can’t grant my request because of the lack of resource from our team.
And to keep myself from leaving the company, I found a side job. That time I was a financial advisor in the morning and weekends, and a technical support consultant for Hewlett Packard in weekdays of the afternoon until midnight. I also joined some employee initiatives that allowed me to network with other employees outside our department.
Today, I am a writer and web developer by morning, software or automation engineer by afternoon till midnight, a teacher in Sunday School and a public speaker whenever there’s a speaking opportunity that will come up.
Being a writer, speaker, web developer, and teacher are my side hustles. But few people know that I have these side hustles. I don’t care if these jobs will give me a side income or not, but these hustles allowed me to pursue my passion.
A side job can be fun and challenging. It can put an extra money in your pocket or simply allows you to do the things that you love without leaving your full-time job. But besides that, it makes you more productive.
Today, most employers not only seeking specialists and experts in one skill but they mostly looking for individuals who are well rounded. And having a side hustle, it makes you a well-rounded employee, and it makes you a great asset in the company because:
1. You gain skills off the clock.
If you work only with the job you have, the chances are you will only be good at one skill. I experienced this when I was having a hard time to find a job. I only had one skill to offer.
It changed when I started finding a hustle on the side of my job. Having a side hustle allows me to learn how to build my own business in my spare time. It gave me real world experience than enrolling to a business degree in the university.
And I believe there’s no better way to learn than doing it on your own.
2. You develop characteristics most employers want.
Having a side hustle makes you more resourceful, innovative, and productive. I learned sales when I was a financial advisor. I learned English proficiency and public speaking when I joined toastmasters and start delivering speeches. I never thought I would be more this excited to speak in public and turn it into a career someday.
Side hustles develop you to become a well-rounded person. And employers want that kind of employee.
And lastly, 3. You become more creative.
I didn’t know that over time I become more creative as I continue doing my side hustles. Being a writer is a no joke, it wasn’t just writing what comes from your mind.
Since not all people are born entrepreneurs, you can still have an entrepreneurial mindset. Employees who have this mindset never runs out of ideas. As it’s core, entrepreneurship is about creating something and making them true to life.
A lot of people often wake up dreading Mondays, and I know some of them. If you are one of that person who seems every day becomes a struggle, and despite all the activities, planned travels or trips you have, you can’t still find your purpose, why not try having a side hustle?
I know how it felt like as I’ve been there too. Perhaps God is so good that He allows me to discover my purpose and bring fulfillment to my everyday life by doing my side hustles because it will not just help me, but it also helps other people.
As for me having a side hustle makes you appreciate how much time and effort goes into building a business and not just a mere employee complaining. It allows me to be better at my job as I seek improvement every day and it makes me a more well-rounded individual.
Don’t let your day job becomes a distraction to pursue your passion. Your passion energizes you and it flows also in your day job. And if your day job can’t motivate you, perhaps your side hustle can.