[kaburns]

Meet the Millionaire Next Door

    These people cannot be millionaires! They don't look like millionaires, they don't dress like millionaires, they don't eat like millionaires, they don't act like millionaires--they don't even have millionaire names. Where are the millionaires who look like millionaires?  <<The Millionaire's Next Door

Sino may PDF ng Millionaire Next Door, penge kopya. Thanks! Sorry kung OT, makikiraan lang.

[tibaktrader]

So many good suggestions have been mentioned already. So I will just offer you a quick morale boost:

Kaya mo yan rolinsbooze! Never too late to be  financially free!

[nanashi]

Thanks guys for those suggestions!

After reading a few responses, I decided to have my credit card taped at inside my document box at home that says "DO NOT TOUCH;NOT EMERGENCY FUND"

I'll be off to the bank to pay up my remaining CC balance. Even if I'm 0 on my savings, I'm confident I can save up as much as 5k a month.

Date kame ni GF sa bahay nila. Mom nya magluto solb! Commute mode muna.

For the football game later, I'll just hitch with my friend so I can save up some gas. Prepared my own baon and water so I wouldn't spend.

I'll stick to the game plan for my financial freedom.

Thanks again guys.

This plan of action is good. nanashi approves it

[gang13]

There are diff opinions here, all are very helpful. I guess u know that your problem can easily be solved, all u have to do is to be matipid, at least for the meantime.
I would like to share w/ u my own experience. While others earn & reward themselves, thats good, they truly deserve it, thats instant gratification. I, on the other hand, pratice Delayed Gratification.
When we (hubby & I) were starting, my goal is to save our 1st 100k. When we reached it, we bought a 2nd hand motorcycle worth 35k, we were so happy bec at least we dont need to commute anymore on our daily routines, the remaining 65k I used it to buy & sell stuffs (from divisoria). 1x a week commute parin to buy stocks. Bus on the way to divi, taxi pag uwi since we have stocks.
My next goal is to save our 1st million. When we reached it, I didnt buy a brand new car/van, instead I bought a 2nd hand FX worth 100k, the remaining 900k I invested in RTW biz. I always buy in cash, I never had credit cards, I didnt have any kind of loan. I only want to spend what I have.
My next goal is to earn 5m. With 900k initial capital, we reached it in 3yrs. I didnt buy brand new car or house. I bought a 1.7m foreclosed house (30% down, 10yrs to pay), I bought 2nd hand grandia worth 500k. The rest of the money I use in expanding my rtw biz.
My next goal is to earn 10M, when I reached it. I bought more foreclosed properties, this time I told myself I will reward hubby w/ brand new car na.
Today, I have 4 house & lots (all foreclosed), 3 condos (brand new), 9 commercial properties, 5 brand new vehicles & 1 old grandia (still there), 2 businesses (rtw, fastfood), some savings. I can now afford almost everything I like. Now I gratify myself.
Delayed Gratification was my secret. If I spent my first 100k. I will never have what I have today. If I reward myself too early, then our money would not have the chance to grow. My other secret is, pray & have faith in God. Every blessings comes from Him.

[pmtmember]

There are diff opinions here, all are very helpful. I guess u know that your problem can easily be solved, all u have to do is to be matipid, at least for the meantime.
I would like to share w/ u my own experience. While others earn & reward themselves, thats good, they truly deserve it, thats instant gratification. I, on the other hand, pratice Delayed Gratification.
When we (hubby & I) were starting, my goal is to save our 1st 100k. When we reached it, we bought a 2nd hand motorcycle worth 35k, we were so happy bec at least we dont need to commute anymore on our daily routines, the remaining 65k I used it to buy & sell stuffs (from divisoria). 1x a week commute parin to buy stocks. Bus on the way to divi, taxi pag uwi since we have stocks.
My next goal is to save our 1st million. When we reached it, I didnt buy a brand new car/van, instead I bought a 2nd hand FX worth 100k, the remaining 900k I invested in RTW biz. I always buy in cash, I never had credit cards, I didnt have any kind of loan. I only want to spend what I have.
My next goal is to earn 5m. With 900k initial capital, we reached it in 3yrs. I didnt buy brand new car or house. I bought a 1.7m foreclosed house (30% down, 10yrs to pay), I bought 2nd hand grandia worth 500k. The rest of the money I use in expanding my rtw biz.
My next goal is to earn 10M, when I reached it. I bought more foreclosed properties, this time I told myself I will reward hubby w/ brand new car na.
Today, I have 4 house & lots (all foreclosed), 3 condos (brand new), 9 commercial properties, 5 brand new vehicles & 1 old grandia (still there), 2 businesses (rtw, fastfood), some savings. I can now afford almost everything I like. Now I gratify myself.
Delayed Gratification was my secret. If I spent my first 100k. I will never have what I have today. If I reward myself too early, then our money would not have the chance to grow. My other secret is, pray & have faith in God. Every blessings comes from Him.

thanks for sharing your story

[kithe]

There are diff opinions here, all are very helpful. I guess u know that your problem can easily be solved, all u have to do is to be matipid, at least for the meantime.
I would like to share w/ u my own experience. While others earn & reward themselves, thats good, they truly deserve it, thats instant gratification. I, on the other hand, pratice Delayed Gratification.
When we (hubby & I) were starting, my goal is to save our 1st 100k. When we reached it, we bought a 2nd hand motorcycle worth 35k, we were so happy bec at least we dont need to commute anymore on our daily routines, the remaining 65k I used it to buy & sell stuffs (from divisoria). 1x a week commute parin to buy stocks. Bus on the way to divi, taxi pag uwi since we have stocks.
My next goal is to save our 1st million. When we reached it, I didnt buy a brand new car/van, instead I bought a 2nd hand FX worth 100k, the remaining 900k I invested in RTW biz. I always buy in cash, I never had credit cards, I didnt have any kind of loan. I only want to spend what I have.
My next goal is to earn 5m. With 900k initial capital, we reached it in 3yrs. I didnt buy brand new car or house. I bought a 1.7m foreclosed house (30% down, 10yrs to pay), I bought 2nd hand grandia worth 500k. The rest of the money I use in expanding my rtw biz.
My next goal is to earn 10M, when I reached it. I bought more foreclosed properties, this time I told myself I will reward hubby w/ brand new car na.
Today, I have 4 house & lots (all foreclosed), 3 condos (brand new), 9 commercial properties, 5 brand new vehicles & 1 old grandia (still there), 2 businesses (rtw, fastfood), some savings. I can now afford almost everything I like. Now I gratify myself.
Delayed Gratification was my secret. If I spent my first 100k. I will never have what I have today. If I reward myself too early, then our money would not have the chance to grow. My other secret is, pray & have faith in God. Every blessings comes from Him.

Nice.. 

Nakakainspire naman.. 

[freeman12]

^ agree! ang ganda ng story ni gang13!

APRUB!

[skicker]

thanks for sharing your story

Napakaganda ng istorya nyo ma'am gang13 yan ang nagagawa ng hardwork at persistence. Ako baligtad nauna na saya kaya ngayon umpisa na uli.

[tibaktrader]

Salamat po Ma'am gang13 sa nakaka-inspire na kwento niyo!

[nepenthe]

very inspiring story indeed! 

[brians]

how about if you have 5M tapos gawin nyo 6M yan its like 5+1 investment system

[daphne]

There are diff opinions here, all are very helpful. I guess u know that your problem can easily be solved, all u have to do is to be matipid, at least for the meantime.
I would like to share w/ u my own experience. While others earn & reward themselves, thats good, they truly deserve it, thats instant gratification. I, on the other hand, pratice Delayed Gratification.
When we (hubby & I) were starting, my goal is to save our 1st 100k. When we reached it, we bought a 2nd hand motorcycle worth 35k, we were so happy bec at least we dont need to commute anymore on our daily routines, the remaining 65k I used it to buy & sell stuffs (from divisoria). 1x a week commute parin to buy stocks. Bus on the way to divi, taxi pag uwi since we have stocks.
My next goal is to save our 1st million. When we reached it, I didnt buy a brand new car/van, instead I bought a 2nd hand FX worth 100k, the remaining 900k I invested in RTW biz. I always buy in cash, I never had credit cards, I didnt have any kind of loan. I only want to spend what I have.
My next goal is to earn 5m. With 900k initial capital, we reached it in 3yrs. I didnt buy brand new car or house. I bought a 1.7m foreclosed house (30% down, 10yrs to pay), I bought 2nd hand grandia worth 500k. The rest of the money I use in expanding my rtw biz.
My next goal is to earn 10M, when I reached it. I bought more foreclosed properties, this time I told myself I will reward hubby w/ brand new car na.
Today, I have 4 house & lots (all foreclosed), 3 condos (brand new), 9 commercial properties, 5 brand new vehicles & 1 old grandia (still there), 2 businesses (rtw, fastfood), some savings. I can now afford almost everything I like. Now I gratify myself.
Delayed Gratification was my secret. If I spent my first 100k. I will never have what I have today. If I reward myself too early, then our money would not have the chance to grow. My other secret is, pray & have faith in God. Every blessings comes from Him.

Very inspiring....
Me and my bf katatapos lang ng goal namin to reach 100k savings... Nainspired ako kasi di nyo lang tinapos sa sa hundred thousand ang goal... U make it to a million...so kung kaya nyo kaya din naman. Aja!!!!

[gang13]

To all who found inspiration in my posts. You're welcome & also thanks din for approvals and appreciations. Happy saving to us all. :-)

[PeopleSupport]

Bakit majority ng sulusyon dito ay benta dito.. benta doon.. sayang naman.

Bakit di muna pag-isapang maigi KUNG PAPANO I-INCREASE ANG INCOME.. Kahit maibenta ang kotse, ang cellphone, bayaran ang CC. Anong susunod? Sabi nya financial freedom 2-3 years.  Tingin nyo ba ma-achieve nya yon in 2-3 years kahit ibenta pa nya sasakyan nya.. Kahit 25K per month ang savings nya.. Kulang pa rin yon..

Ang sulusyon.. PALAKIHIN ANG KITA.  Paano? Maraming paraan.. be resourceful.. Pag di mo na-sulusyonan kung paano palakihin ang kita mo, dini-delay mo lang problema mo.. Pano pag nag-asawa ka na?  

Why don't you use your ASSETS in your favor? Car, Hi-End Gadgets and CellPhone, Credit Cards, your personality (for sure meron ka non..)  

HINDI EXPENSES ANG PROBLEMA MO, ANG PROBLEMA MALIIT ANG KITA MO.. yon ang sulusyonan mo.

  

[MacDelta]

Para kasing balde iyan na may butas, kahit anong igib ng igib mo ng tubig kung butas ang balde mo masasayang lang din ito, kahit kumuha kapa ng isang balde kung butas pa rin ito bali wala lng din. Sa madaling salita takpan mo muna ang butas ng balde mo or takpan mo ang paglabas ng pera. Para pag dating mo sa destination mo ay completo pa rin eto. Disiplinahin mo muna ang sarili mo sa pagiging masinop, at pag dating ng panahon na sa tingin mo kailangan mo na ng karagdagang timba dahil handa kna sa kakayahan mo at this time alam mo na hindi kna babagsak dahil sa aral na natutunan mo noon tiyak na malayo sa tagumpay na mararating mo.
Lahat nagsisimula sa maliit, at lahat dadaan sa panahon na babagsak ka, pero eto lng iyon ang paraan din para tayo magtagumpay.

Thumbs up pala kay gang 13, hindi lng thumbs up raise the roof pa. )