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Saving for our future


We're all natural consumer.

we tend to end up nothing...

so how do we invest for our future?

warren buffet said this:


so what are the ways to make our money work for us? unfortunately, there is no concrete answer to this question but an answer that could only work for you.

so better look at your money right now! And look at it in a different perspective because how you spend your money will also determine the outcome of your future.

basically, this should be our mindset in money:



so better listen to him because he is wealthier than you.

For me, this what I am currently doing

The rule of 3 little PIGGY BANKS, yep you read it right.

The 1st piggy bank is for my savings which will become my investment money, tantamount to 20% of my income. In here you save money to invest in something. WARNING! Though there is a lot of ways to build your wealth. you can use your savings to build wealth or use OTHER PEOPLE'S MONEY to build your own wealth. basically saving isn't enough!

The 2nd piggy bank is of my tithes, basically, I'm trying to follow this rule but sometimes in all goes down on how we spend our money and what lifestyle were trying to have. have you thought that we always complain that we don't have enough but we never look and assess ourselves on how we spend our money?

And have you heard the infamous phrase "Tight na nga budget tapos magtatithe pa ako(Why do I need to tithe? my budget is already tight)", Yes, we all have that mindset. So why do we need to give back? The answer is this, giving back is something not ought to be done but it trains us to have a habit of GIVING! And SHARING! however, if  have poor MINDSET. We always tend to complain.... so it all boils down to how we think. notice that I always use the word "MINDSET"

Because having a wealthy mindset means you know the law of Reciprocation. And Having an Audacious Giving means you know from the start that it will be given back tenfold.

Okay, let me explain what is the law of Reciprocation, It states that what you give is reciprocated back to you tenfold.So be aware that giving is never been bad. Never think this way: "That you can't give what you don't have" but rather think like this: "Give because you know how to have nothing".

The 3rd piggy bank is for my spending. I did have a spending plan( I will also recommend this it had helped me pay some of my debt incurred, to know more about how this work please go to this link: http://jerroldmundis.com/books/how-to-get-out-of-debt-stay-out-of-debt-and-live-prosperously/) but i never follow it properly though so for me budgeting works best and some financial adviser will always strongly recommend this, because it trains you to discipline yourself. Now, the expense is 70% of my income. But it is much better if you can make it to 60% or less and save more.

Lastly, Many financial advisers will recommend you this:

Invest in insurance. I'm sure you have heard this also from many various people. I will also strongly recommend this to people who don't have the luxury of time.Though I will not recommend any company if you decided to invest in an Insurance company be sure to look at the track record.

Never invest your money in something you haven't done research. for more details about Insurance please see link below: http://www.richdad.com/Resources/Rich-Dad-Financial-Education-Blog/September-2015/An-Educated-Investor-is-an-Insured-Investor.aspx

I've shared another perspective for money.

Look at here: http://iamthemillennialinvestor.blogspot.com/2017/09/eternity-perspective.html


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