Lessons from and for a working environment

Progress and productivity are my personal choice of a drug.

I’m grateful for clients who trusts me on such exciting projects they’re venturing on. What motivates me most are the lessons you’ll learn along the way, honing your skills sets, fulfilling check lists and accomplishing tasks on the time table.

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From learning how to curate business financial plans, readjusting according to the budget, coordinating to purchasing; sales and marketing, it has been an exciting journey surprising yourself on what you’re capable of doing and maturing when it comes to work ethics.

Here are few things I discovered:

1. Never fall for gossips, let them be

– there are so many things left laid on the table, don’t waste your time resolving gossips however when these gossips happen to touch morality, better face the gossiper.

2. People tend to compare their salary to yours and they may create issues behind your back just to get rid of you.

– sometimes these people tend to forget that their job scope is different from yours and they agreed on how much they wanted to receive as their salary. Let them be. You don’t owe anyone justification.

At the end of the day, what matters most are the production, the numbers and the accomplishments. These distractions from other people are hindrances against your capabilities.

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If they don’t respect you, let them be. They will eventually. Have the proprietor mindset at all times agains the employee who’s filled with idle time and Coffee breaks.

Chin up,ignore as much as you could but stand firm once they reached your limit.

7D’s That Ignite Passion

Last Friday, I was invited to attend a financial business seminar on how one can increase their success rate on achieving their goals at the same time, get to spread financial education as an advocacy.

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John C. Maxwell Trainer, Ruzette Pineda-Cadungo who was also Avon Philippines Sales Director then amongst other things was our speaker. She is presently a top achiever, seller and business manager of one of the many units of Sunlife Financial Philippines.

It was a whole day event filled with motivation, inspiration and passion. Let me share to you her success formula:

The 7 D’s that Ignite Passion

1. Dream
2. Desire
3. Decide
4. Develop
5. Discipline
6. Delegate
7. Dedicate

Dreams are goals with deadlines and these dreams usually are departmentalized according to the 10 areas of your life.

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Together with every dream, there’s a burning DESIRE to make ways, and get your dreams worked on. It is important that you get to DECIDE the direction of your focus,
stand firm and get to categorize your priorities.

Through constant education and associating yourself with like minded individuals, You get to DEVELOP the DISCIPLINE that would challenge your excuses not to out-win you.

Don’t be afraid to DELEGATE tasks.
Focus on DEDICATING time management for a balanced lifestyle.

We were reminded to stay humble and be obedient to our superiors regardless of age.

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Although there may be situations wherein you may disagree, it is important that you voice out respectfully.

Love what you do and it will love you back. Be sincere and always have your heart applied to every task or engagement.

Pursue. Just keep on going.

The formula may sound easy but it sure takes a lot of work and practice. The discipline may be tedious at first but if you want results, nobody reaches the finish line by just standing.

We asked our speaker how she schedule in engagements, balance her time management and what her priorities are.

1. God
2. Family
3. Business

She plotted out an empty calendar and filled out according to priorities.

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She blocked out her bible study and church day, dedicated her children and husband’s travel time (home/school), date night with her husband, and then her client engagements. Errands were scheduled in between.

What inspired me most was that she starts her day as early as 7am with her clients, ends the day at 5PM to make sure she will be with her family and yet still get to log a productive 6 hours each day, 10 faces met each week for her to produce results.

She reiterated that excuses should be challenged by how firm and goal-oriented you are. Never let procrastination and time killers take away your chances.

Nobody reaches the finish line by just standing but rather by taking one step at a time, one foot after another.

I hope somehow this post motivated and inspired you. Go ahead, revisit your goals and start making things happen.

Goals are what dreams are made of

Not too long ago, I sat down with myself with a pen, paper, few markers and my planner. I wrote down my short term goals and my year end goal as if there were no financial hindrances.

I am unstoppable.

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My short term goals were:

– Avail of a health card wherein it will also cover or have my parents as my beneficiary/dependent

– Avail of an emergency ambulance for my family and grandma. Medical service within convenience

– Diversify: Bonds, Time deposit, Equity, bank savings

– School

My long term goal was only but ..

– A car.

I decided to just have one long term goal in order for me not to be overwhelmed and be overly pressed. (The thought of a car was overly overwhelming already, actually.)

The next thing I had to thoroughly think of was a game plan. Plot out an achievable and realistic strategy.

I accepted as much projects I can handle, contributed for dailies, magazines or even online (every centavo counts!) and challenged myself to learn a new industry which was Selling

Everything came into place when a job opportunity opened near where I live (literally a 5 min walk away) which saved me from paying the dreadful toll charges, transportation costs and travel expenses such as meals.

Selling certainly wasn’t easy but definitely doable. I learned that product knowledge was the key in order for you to present properly.

From selling one account after another, it was consistency and goal setting on how many accounts per month should I close and settle which made my short term goals worked on and gradually saved up for my long term.

A year’s timeline, reminding myself week after each week, reassessing month after each month was all that I obsessed on.

No kidding.

It was delightful and motivating as I crossed out one goal after another. There were times when I had second thoughts and doubts but looking at my list and budgeting everyday surely kept me grounded and focused.

Before the year ended, I invested on the following:

– Health card: Caritas health shield which was 5 years to pay, 10 years coverage. It was the best proposal I encountered after window shopping on other health cards. The best part was that after such time, There will be a cash back since it also has a life insurance attached to it.

– Emergency Ambulance was through lifeline wherein I was able to avail for my family and my grandma. My grandma also was able to use the in-house medical service within her convenience. Exactly as planned.

– Diversified savings: Bonds was settled (it was the hardest for me to get into but after a year, the annual report definitely made me say worth it!), Got myself a variable life insurance with Sunlife Financial inc (my third account to date since I was 17 years old), a time deposit wherein I was able to also get a mileage credit card on hold out (translation: no debt!) and bank accounts which were divided for certain goals (car fund, everyday fund, untouchable fund).

All accounts were fully paid — in cold hard earned cash! I need not to think of those annual payments. I am debt-free!

PROUD! A dream come true.

The school? I enrolled for a term but having to learn selling was “school” itself. I realized that life has tons of lessons. The world is your university.

I left selling for awhile and entered consultancy. It was a real life MBA. The job involved an immense test on patience and resourcefulness.

Along the way, when I crossed out the last on my list; I was gleefully impressed knowing I was ahead of schedule.

The car was blessed and it was a deal which was worry free and definitely cost efficient.

That deserves a separate post.

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This year, 2013, it’s all about working on a bigger goal. My short term goal is to pay off my car, leave no debts on my credit card, have another variable life insurance, and save up on the long term goal before I hit 30 which is my own home.

10 years ago, these were all dreams which were hoped for; dreams which were all floating through “what if” but as we get older, we realize that starting early surely works tons of wonders and setting goals with deadlines.

How about you? 10 years ago we were asked about our hopes, dreams and aspirations. Can you still remember what those were? How was your journey? Think about it.

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Commit: Your everyday expense list

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