Commit: Your everyday expense list

People have the same needs and desires and it all involves money – whether we like it or not.

Unfortunately more and more people are living paycheck to paycheck which later on they regret on not investing earlier and making time and money work for them. People abhor those who call them or ask them about “investments” as if it were a scam juicing your money’s worth instead of keeping their minds open.

Investments aren’t all about trading. There are different kinds and types of investments but it is only up to you on how you foresee them.

Others find collecting bags as an investment, shoes and expensive clothes but the question rises: would these items work for you in the future?can it pay for your kid’s tuition, medical bills or feed your retirement? Would they double the cost and continuously help you be liquid?

This is where I come in. This year, 2013, I aim to help others by helping themselves. I want to work in an environment wherein it lives with an advocacy. Let me help you, help yourself.

We all can’t depend on luck nor live without guarantees. Would you rather work day in and day out without a goal in mind nor be well invested for retirement? Don’t be a slave. Let that hard work pay off.

Let’s start with the basics. Have a pen and paper, situate yourself in a quiet room and write down your monthly expenses – start with the fixed bills (rent, monthly dues, electricity, water etc) then write down the additional bills that you subscribe (laundry, mobile phone, househelp etc) and then your day to day expenses going to work and back.

I would like you to contemplate as you sum up your expenses. Do you think you’re on the right track or you’re actually indebted by credit card purchases?

Mark down which of which can still be worked on and write down a game plan. Use the trial and error up until you find the right numbers and efforts.

The goal is to pay off the credit card bills without financial charges, cut down on grocery and stick to what is needed; focus on a lifestyle change to lose weight and save more.

Through that list, have you even thought bout allocating savings? The rule is to save at least 10-20% of your income for your emergency fund but at the rate on how much our cost of living has increased, having an emergency fund by putting it all in the bank is not enough as it doesn’t grow nor would it work for you through the years.

There are other venues such as time deposits, bonds and mutual funds but these are locked without covering your life’s needs.

I was once like you who has ventured and saved through time deposits other than keeping them stale at the bank. It grew a few more cash however its not much, unlike when I invested few of my other savings on insurance, with the same amount of years kept and added, it has grown far more percentage as dividends which is now being used as my mom’s retirement allowance from me. The time deposit? it has remained in the bank which will be moved for a mutual fund.

The trick is always to diversify.

I would tell you more along the way but for now, the goal is for you to work out on your daily and monthly expenses, work out on a game plan and allot savings. Stick to it.

As soon as you’re done, always get back to it, write the changes you’ve done and see what else can be done.

Lifestyle change doesn’t happen overnight and does include a lot of realization.

Good luck! I’ll tell you more about where and how can you prepare for retirement, educational funds for your future kids or simply by having to save more for your future needs.

Commit to change and accept it.

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Health is Wealth: Successful tips

Health is wealth

We hear that all the time. It may have sound like a cliche but it does bare truth. How can one move productively if he’s not in a good condition? How can one be successful if he’s always bed ridden or suffering from illness?

Taking good care of your health is counterproductive with building wealth.

Often, health is being taken for granted not until one experience regret. Why wait? Here are few tips which you can incorporate everyday to ensure you won’t leave yourself behind from all these work load.


sleep like a babyBid adieu to feeling sluggish, foggy and heavy when you wake up in the morning by setting up a sleeping routine and logging seven to nine hours of quality sleep.

If you ever feel like having a hard time, you may try meditative apps you can listen to, turn off the lights, have your electronics away from you or go ahead read few pages from the book you picked up from the store.


veggie bike

Have  more greens, less of the junk and MSG. I’m pretty much sure that you do know you have to have more of these green little things yet often most choose pizza over salad.

Replace salad for lunch or dinner, start the day with a green juice smoothie or perhaps munch more carrots and celery than how much you consume french fries.

Eating these good stuff not will only help you cleanse your colon and fill you up with the right nutrients, it also keep you from feeling sluggish throughout the day and prevent you from having migraines.


exercise movement

Building a sleeping routine and working out goes hand in hand together with eating clean hence, as soon as you wake up in the morning – get that ass moving! EXERCISE!

Exercising doesn’t mean you’d have to head to the gym or spend on so much expensive memberships. You can just hit the floor and do some crunches, go for jumping jacks, jump rope or log on to youtube for some instructional exercise videos you may imitate.

Most importantly, stick to it.

BREAK THE FAST: Breakfast!

oatmeal with raisins

  • A good breakfast should have between 500-750 calories, where about half of them should come from carbohydrates, 25 percent from protein and the other 25 percent from fats. The foods that are best for carbohydrates are fruits, whole grain cereals such as oatmeal and whole wheat bread. Great sources of breakfast proteins, which also include fats, are eggs, nuts, seeds, peanut butter, milk, cheese, yogurt and meat.

Break the fast from having breakfast and give that metabolism of yours fired up! Yes, it’s true! Learn to love breakfast and you’ll thank yourself for being able to do so as you’ll crave less throughout the day and manage what you’ll have for lunch and dinner.

Drink Water

glasses of water

Did you know that drinking more water actually gets rid of your sugar cravings? Yes, that’s true.

Drinking a glass or two of water will help quench your thirst and help hydration; it’s crucial that you also drink up a glass or two upon waking up.  Throughout the day, if it’s available, squeeze some lemon or lime if you feel that you need a little flavor, it also helps your metabolism, too!

How many glasses of water does a person need in a day? have 8 glasses of water if you’re sedentary and gulp up as much as 3-5 liters if you’re often active.

Stay Positive!

positive Remember: Attitude is EVERYTHING.

People underestimate the power of optimism and how trying to always look at the brighter side of things can change everything. Associate yourself with those who believe in you, and mean well. This perpective would help you breathe through situations with less anxiety and stress. Isn’t that amazing?

Stay away from gossips!

If you encounter any disappointing situation, always weigh through the pros and cons and lean on towards how you can change or turn it around.  Don’t dwell on frustration but rather act on improvement.

Learning to stay positive, getting into a routine and keeping yourself accountable and cautious of your health not only can save you from tons of medical bills but also the hassle of encountering all other things that may hinder you from productivity.

I hope somehow, eventually, you’ll be able to mean the difference between your success and your failure in life. All these may sound easy but getting into a routine may take a while for one to live it.

Your health is your most valuable asset. Take care of it, invest on it and love it.