I have some beans to spill here. Years ago, I considered myself an idiot financially. When I received my very first paycheck, it just slipped off my hands. I was able to save, yes, but it was the last thing I did. You know, I splurged on some necessary, but more unnecessary things because my thinking was, "I deserve to splurge on myself because I worked so hard to get this money." So whatever money that was left, I saved. At least, I was able to open a bank account. It continued for more years. (And I could see some heads shaking right now. Don't worry, we'll get to the good part in a while.) I had savings in my bank account, but time and again, I withdrew the money and spent it on something else (aka shopping..My goodness, I'm shaking my head with shame as I type this.) It was really a bad habit. As Robert Kiyosaki would say, I was trapped in a rat race. When Bryan proposed and of course, came the wedding preparations, I realized I had to seriously save for our future. I did a pretty good job at this. But after a year or so, I thought my money's not growing enough. I mean, if we're planning to buy a house, a car, the kid/s education and so, our savings won't be enough and soon, maybe nothing will be left. I dread that thought.
I did my search online. I even googled how to make more money, or how to earn more while having a day job. I always land with the answer, DO BUSINESS. With the type of job I have, I cannot possibly handle another business. Maybe soon, but not at the moment. Then one of my closest friends told me about some books on finances, she particularly mentioned to read on Truly Rich Club. It's when I came across Bo Sanchez. I've read some of his books before, but I never thought he authored books on money. He became sort of my mentor, even though he doesn't know me. The best news is, I got the answer to my question.
More than a year and a half ago, I started investing on stocks. Honestly, the stock market is like another universe to me. They speak of an alien language. It was scary actually. But I've got wonderful, godly mentors. Again, I've never seen them personally. Everything's just communicated online. I just followed what they tell me. I did pretty well coz I'm a diligent student, so despite the alien language, I've got an A+ grade. And I plan to do this for the next 30 years because I want to retire wealthy. And by wealthy, it doesn't just mean financially, but also spiritually.
When I tell other people I'm already saving for my retirement, they laugh at me. They find it ridiculous because I'm only 28. The truth is, if I've been financially literate long ago, I could have started saving for my retirement at an early age. I'm sure I could have been a millionaire now. But I'm on my way there. I plan to retire at 55 or even earlier that's why I'm saving right now. Remember the story of Joseph, the dreamer, when they saved during the seven years of abundance in preparation for the next seven years of famine? The logic's just the same.
Before I end, I would like to share some things I learned since I discovered this wonderful blessing. I realized that the true meaning of money is to bless other people. I learned how to live with 70% of my salary. 10% will always go to God, and 20% for my savings. I appreciate more the value of simplicity. Since I've been to a Benedictine school, I kind of embraced this virtue a long, long time ago. It's just now that I've fully realized its meaning. I'm free of debt! Although every month, I have to pay for Truly Rich Club's super affordable membership fee. Other than than, nothing. And it makes me happy, because I could sleep soundly at night.
Have I caught your attention now? JUST CLICK THIS. Nike says Just Do It! So click now. I promise you won't regret it. You will not just gain financially, you'll be closer to God too.
P.S: I shared this to a lot of people already, but very few took it seriously. Some of them say, "I want that, but not right now, because I'd like to purchase a car first." or "Can't afford that because my salary's scarce." etc, etc...Soon, our helper will invest in stocks too. I brainwashed her (And I just so love Bo Sanchez', My Maid Invests in the Stock Market book, I'd like to follow his footsteps.) She said she wants to have savings when she gets old. I just planted a seed, but the seed grew in her. I was glad she approached me 2 weeks ago and started asking questions. I know it's a slap on the face or a hard punch in the stomach when, few years from now, our helper will have more money that other professionals. Again, Just Do It! Have a blessed week! :)