I’m proud to say that I grew up in a squatter’s area because it helps me a lot to persevere in life. I experienced the life of a poor family that cannot afford to buy their own house.
After I graduated at Malabon University, I noticed that it’s very difficult to find a good job in big companies especially kapag wala ka pa experience and you didn’t come from top schools.
I was hired in SM as a salesman and after my contracts end, pa extra extra muna sa work ng Tito ko selling guitars. Doon ko na sabi ko sa sarili ko ang hirap pala magtrabaho at kumita ng pera!
After realizing na napakaliit pala talaga ng sahod as a salesman and it’s not related on the course that I took in College that’s that time I decided to apply in a multinational company.
In 2006, I got hired as contractual in one of the top BPO/Call Center companies in Ortigas. Fortunately, after 6 months I became a regular employee and promoted to one position to another.
Nung tumataas na ang sahod ko same goes with my expenses. Kaya sinabi ko sa sarili ko na parang “walang nangyayari sa savings ko years after years of working.”
My belief on that time is to become hustler in any gambling to become rich. Back in year 2011, usong uso nun ang poker game. I study and practice how to become a good poker player, yung tipong “Poker Star” na napapanuod sa TV. 🙂 I don’t realize na I already got addicted at nauubos na ang savings ko.
Dumating pa yung time na I almost break-up with my loving GF kase nauubos na ang time ko sa kanya at ganun din ang savings ko. That was the wake-up call for me to stop it.
On that time uso na rin ang mga tech gadgets kaya I bought a lot of stuff like MP3 player, PSP and high-end cellphone. Sabi pa nga saken ng friend ko, “Ok lang yan investment mo naman yan”! I thought those things are considered assets that I can sell in the future but it’s a wrong belief kase nade-depreciate pala sya.
Madalas din akong maaya sa drinking session. Gimmick dito gimmick doon, easy go lucky ika nga! I allow these things to happen because my principles on that time is to “reward myself” after the hardwork in my work.
Despite all of these, I still consider myself a saver. I spend first then save what is left. Today, I realized that it’s a wrong formula of saving.
In 2011, it came to a point that I wanted to settle down and start my own family. Naisip ko na paano kami magpapakasal ng GF ko kung wala kami enough budget. That’s the time that I decided to work abroad.
I took the risk because I resigned without guaranteed employment and flew to Singapore to look for a job. Luckily, I got a job as an IT.
Nung kumikita na ko ng malaki dumating yung point na naisip ko kung paano ko to papalaguin? Fortunately, my friend recommended this book RDPD (Rich Dad Poor Dad by Robert Kiyosaki) and I started reading it which is an eye opener for me to financial literacy and personal finance.
While reading this book, I realized that I’m so dumb playing the money game for many years and during my 30th year in this world no one taught me about financial education even in our home, school, government and the people around me.
I became enthusiast reading more books about financial literacy, self-help, investing and business such as Think and Grow Rich, Cashflow Quadrant, Secrets of Millionaire’s Mind, The E-Myth Revisited, Bo Sanchez’s books and many more…
That’s the time that I said I’m ready to go back to my home country and start my financial freedom journey thru financial education.
In 2015, we were able to buy an affordable house and lot in Quezon City thru foreclosure that I can proudly say that it is our own and not an informal settler anymore.
I became an advocate of financial literacy because of this and I’ve started to share the importance of savings and investing in my families, relatives, and friends.
I am now a licensed insurance agent/financial advisor of Pru Life UK. I finally decided to take this career after years of procrastination because whenever I advised my families and BPO/Call Center friends to invest, they did not take any action. I realized that I’m doing a disservice to them. So, now I can give them advice and be the channel as well for them to really start investing.
I strongly believe that every BPO/Call Center employees should invest in assets that appreciate in value such as insurance, mutual funds, stocks and real estate to name a few.
Please join me in protecting our wealth, securing our child’s education, achieve our financial goals, and have a comfortable retirement.
Your financial advisor buddy,
P.S. I love biking. I always do biking around Quezon City. If this is your hobby, we can go biking together :).
(Photo: biking around UP Ayala Techno Hub)