03 FACTORS THAT RUIN YOUR SAVINGS

Oktubre 12, 2018

Saving is easy to say than
done and here is the 3 factors
that ruin your saving plan…

FOOD

Whether this is coffee
or not, all of what
you eat are mostly
what ruins your budget.

If you will monitor
you’re expenses you’ll
notice that food
is one that ruin
your plan, it could
be a small thing but
if you summed it up
you’ll be overwhelmed
the amount you spend
to mere food itself.

Reason is because we
human either wants
pleasure or some sort
of comfort and one
of the source for that
is food. Also when
we wanted to celebrate
something whether it is
small or big occasion
we all do celebrate
by buying food, thru
food we express how
special the day is…

CLOTHS/SHOES

Another factor that ruins
your saving is buying cloths
that you really don’t need,
especially when we are being trap
to buy one when there is a
“sale” as we are having the
mentality of out smarting
the future, where we convince
ourselves that we must
buy now or else we will
miss the opportunity to take
advantage of this sale but
eventually you’ll realize
that the “sale” promo is
the one took advantage on
your purse.

Although it could also
be correct that in some
point of your life you
really need to buy a clothes
or a fair of shoes but
according to my experience
it happened to me very
rare and if I will buy
a cloths or shoes I’d prepare
to buy the high quality
brands because it is more
durable and will last longer
than the cheaper brands, now
there is an argument that
what if the particular
“high quality” brand is
on sale, do you think that
is a smart move to buy it?

For me personally I would
not, base to my own experience
most of the time that
high quality cloth that
is in promo sale that you
bought will most likely
end-up sitting into your
closet, waiting for that
right time to be summoned
and guess what most of
the time it is not getting
summoned because of your
need of replacement but
for you to send it as a
gift to someone.

Just like foods, cloths
give’s us pleasure, it
gives us that sense of
being relevant or outstanding
reason why shopping itself
has a potential to be
addictive and if you
don’t do something about
it this will definitely
ruined your saving strategy
plan.

GADGETS

For me you cannot
actually blame the
people who wants to
have latest, fastest
and/or advance gadget
be it phone, gaming
gears etc. because
in the tech world
advancement is really
fast and being the
person who’s on
the latest trend really
need to pay the price.

To some being in touch
to the latest trend
is necessary in order
for them to catch-up
or be ahead to their game
while others are just
catching-up for the sake
of pride and ego.

Which ever side you are
please do take note
that sometimes the
features of a particular
gear’s advancement are
manageable and still
the human skill is
still not yet irreplaceable
by today’s technology
so I would say skill
over your gears still
matter much.

Weighing your technical
advancement versus to your
financial income
must be put into
microscope in order for
you to decide where you’ll
draw the line of limitation
when and where you must
consider your spending.

On the final note, Please
dont make a mistake to
think that “Pleasure” is
bad.

We all do need pleasure
in life.

In fact this is
our birthright.

The thing
is that the way we
end up is also our
responsibility,
so indulging on so
much pleasure that will
put us on poor situation
is much like digging
your own grave and this
must not be the scenario.

Although to many it
already happened and
to some their on the verge
of it, please don’t
put yourself on that situation.

But also I will not shy away
to tell you that extravagant
pleasure are not for all too,
because for this to enjoy you
need to work for it which is
most of the time for people like
me the service of grand and simple
pleasure has the same taste
if you’ll think it through.

 

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THE NATURAL DEFINITION OF MILLIONAIRE

Hulyo 26, 2018

Please allow me to share my
2 cents about being so called
“MILLIONAIRE” a word or should
I say a title that seems
misleading now a days…

When someone called you
an employed and you
have a job there is
no resistance in your
subconscious mind to
deny that fact…

But when someone are being
called or categorized as
a millionaire most
people will cringe or raised
an eye brow.

It seems that until these
days being an millionaire
is somehow a dream that
is complicated to make it
happen which is in reality
it is not…

For me the natural and simplest
way to define if someone is
a millionaire is of course
if the person owns an amount
of cash or asset that worth
a million or more, secondly
in my personal measure if
the person are earning at least
million in a year that person
is qualified to be identified
as a millionaire too…

Well of course it depends
how you measure it. Are you
measuring someone’s cash
on what currency? Dollars or
Peso? Are you categorizing
the tech gadgets as an asset
or a liability? how about
house? how do you categorize
it? Liability or asset?

Sure enough there are a gazillion
of arguments out there to
approve or disapprove my
“natural definition” of
being a millionaire but in simplest
form of identifying if
someone is a millionaire
at least in some angle of
this persons life is that
he is either earning million
in a year and/or owning
an asset that worth a million
or more.

Now if we follow thru to
my definition of millionaire
it seems that plenty of
my fellow Filipino who work
overseas can be categorize
as a millionaire if their
earnings is converted from
foreign to Philippine currency.

Then again mixed reactions will
fire-up there, some will be
gullible, some will furiously
deny the fact or somebody
will feel good about it…

Being entitled as millionaire
especially in this period of
time is not obnoxious to claim
its just like claiming the
fact that you are bless and
that is not something we
must resist.

Of course flaunting the fact
that you are a millionaire
will surely attract several
attentions that if you are
not prepare for it you could
hurt yourself but if those
attentions are diverted to
something productive or
constructive it will surely
serve you to something good.

If you flaunt the fact
that you are a rich guy
or a millionaire prepare
to backing-up that claim,
if you didn’t back that up
it will back fire to you
and that’s when you will
hurt yourself. But if you
do a good job on backing
it up you will create a
reputation that could
refine your identity a bit
but be aware that this
identity again must take
care well because it could
either cause you good or bad.

That’s why flaunting that
millionaire “Title” is
not really a good idea not
unless you building an identity
or reputation in order for
you to use to gain advantage
like for example on taking
a big loan to someone or from
bank and doing a sale is much
more easier if you have that
“millionaire title” on
your profile. But if your
not into that I believe
there is no much reason to
flaunt about it.

However smart people especially
those who do the math and
converts your assets and lifestyle
to numbers can say if you belongs to
“millionaires club”.

A decent man who owns a house,
sending his child’s to exclusive
schools is a pretty much good
barometer to say that this guy
have a shot to join the club.

So let’s look it in this way,
we all do born blessed and everyday
in someway we all do being blessed
but not all people believe on
that and very few people embrace
that fact even though it is damn
truth.

If you are blessed it doesn’t
mean struggles in life will
stop and that is the same thing
even if you are a millionaire
we will all do need to swim
or float on the same
ocean of life.

 


POST LESS, LIVE MORE

Hunyo 23, 2018

In social media lifestyle
these days this seems to
be the new trend to be
followed. POST LESS LIVE MORE

Our life is been suck
by the trend of posting
the every part of our lives
to the internet, there is
nothing wrong about that,
there is nothing wrong
on sharing your moments
to the world but what
people like me just want
to point out is that like
us before we came to the
point where we realize
that “enough is enough”

You’ll know that, maybe
right now you dont but
eventually you’ll hit
the pleatau, where you
think you already share
the higlights of your life
and posting seems dragging
to you, when that time
comes it means you need
to back-up yourself
on social media lifestyle
and time to fill your
life by new expirience,
adventure, life lesson etc.

Dont let yourself to
capture fake moments,
share meaningless
and lifeless photos,
thats not how social
media is made for.

It is made for us real
people to enthusiastically
and authentically have
a pure connection…
Dont fake it…

 


BAD EGG

Hunyo 20, 2018

It is inevitable case
we all do have some bad eggs
in our life
but speaking into “egg case” per se
its not necessarily a waste
of resource.

Remeber the word “recycle”
it is applicable to everything
though the process could
be messy but for the sake
of “utilization” you better
stomach it or you’ll
totally lost the chance
of using the “bad egg”
to something “productive”

Sometimes being passive
to the bad eggs in our
resources is worth it,
especially if we want
to skip those “messy process”
definitely being “passive”
is a nice choice but
when we look onto the
quantity of how many
times we got a bad egg
in our basket and found
that the amount is unacceptable
to ignore we better think
twice and weigh the Quantity
and the Quality if we recycle
those bad eggs.

To some organization quality
is everything… Once
the quality of their work
is threatend they will
absolutely do the best
in order to remove those
threats even it takes
not just to reject the
bad eggs but also dump the
whole dozen of eggs that
is in the basket just
to assure quality.

Again having a bad egg
in your grocery could
happen to everybody
once in a while, it is
unavoidable but the thing
is you know your choices
and according to your
situation you pick
what you think is the
best choice.

 


ROOM FOR DIALOGUE

Hunyo 15, 2018

If building your life
is like building a house
never forget to reserve
a room for dialogue.

Even in career, peers
or anything else there
must be always a room
for dialogue.

This room is not necessarily
for people to blurt out
their grievances or complain
also don’t misunderstood
that this is not a place to
quarel, in fact the purpose
of this room is to avoid
people to end up on that
destination.

There is a popular sayings
in Filipino when I was
young and it say’s like
this

“Lahat nalulutas sa mabuting
usapan”

Means in English

“Everything can be solve
in good conversation”

I am not sure if that is
the exact words but I am
sure that’s what it says.

Everything can be resolve
or if not maybe at least
both can meet half way.

All of that happens on
the room of dialogue.

Sometimes speaking up
is not much a requirement
but mostly you need to
listen and from there
you’ll realize the
other side of the fence
and maybe instead of
raising your guard you
rather lower it for a
while.

I been in this room many
times and I’ll tell you
this it works like a
miracle, no any problem
or conflicts
are not being solve.

The only problem
is that there are some
people who don’t want to
be in this room, sad
to know there are those
kind of people where I
wish one day they can
summon-up a courage
to visit the room of
dialogue.

 


KAPAG MASAYA KA AY MAGING MASAYA KA NALANG

Hunyo 6, 2018

Property of RockyRivera.wordpress.com

 

Problema kasi may mga taong
kapag nagiging masaya ay
nagiging maligalig dahil
hindi nila madala ang
lubos na kagalakang kanilang
natamasa…

maaring di ka maniwala sa
sasabihin ko na karamihan
ng tao ay mas kumportable
pang mabuhay sa kalungkutan
o kapootan kesa sa mabuhay
ng umiibig at may kagalakan.

May mga taong kapag sobrang
masaya nagagawang magkumpara
kaya tuloy minsan napapagkamalang
mayabang, guilty ako dito
minsan o madalas ganito rin
ako kaya yung napansin
ko sa sarili ko ay iyon
din ang napansin ko sa iba.

Ang hirap aminin sa una
na sa kabila ng pagiging
kilala ako na isang “positibong”
tao ay hindi pa pala ako
ganoon ka kumportabble mabuhay
sa lilim ng pag-ibig at ligaya.

Simple lang naman maging masaya
kundi maging bukas ka sa mga
biyayang nasa sa iyo na, simple
lang rin umibig kundi piliin
mo ang pag-ibig kahit na
ano pa ang sitwasyon mo sa buhay.

Kapag naging maligaya ka ulit
imbis na maging maligalig ay
magpasalamat ka, pasalamat
ka sa kapwa mo, sa Diyos
at sa sarili mo, hayaan mong
mamutawi sa iyong bibig ang
salitang salamat kesa sa
ang lumabas sa bibig mo ay
di kanais-nais na mga salitang
ika-aakala ng kapwa mo na
ikay nang-mamata.

Sa susunod na maging maligaya
ka sabihin mo sa sarili mo
salamat! 😀

 


INTERNAL EXPLENATORY SUBJECTS

Marso 10, 2018

Reality is subjective
thats why pictures
can say a thousand words.

A black and white photo
could be interpret as
a image of sadness, but
to some a black and white
photo is a image of nostalgic
bitter sweet  memory while
to others it could be
a classy fashion statement.

Thats why also they said
that beauty is in the eye
of the beholder, enough
to say that what you feel
is not necessarily because
of what you see but it is
because how it conditions
you…

Conditioning yourself
on a particular smell,
image, sound or feelings
dwells on how you play
your internal explenatory…

If a particular subject
is explained poorly you
will react on poor manner
likewise if it is being
explained in inteligently
you’ll respond with class.

From where the importance
of writing coming in…

Providing a personal
diary or journal will
benefit you to mirror
your thoughts if you
dare to write whats in
your mind with all truth!
No boundaries and no rules,
challenge your holy faith
if that’s will give you
the absolute feeling of freedom,
dig deeper, dont mind on
the grammar nor spellings
just blurt it out, fan out
that heat of arguments in
your mind, let it be abrupt
or unfinished, then start
to other subject if you wish,
whats important is you bring
out the words that is in
your mind, squeeze everything
and put it in your paper or
word processor then after that
take a break, take a long
break if you will, let say 1 hour
then go back to what you’ve
written, then analyze and from
there you’ll have the control
to shape you’re thoughts and
the good thing here is that
when you do that you’ll
gain control in your life
too, as they said you are
what you think about all
day long.

The common problem is we
are being trapped on the
thinking of we must
adopt on what many people
are saying or what the
media, government, church
or our friends says.

I dont have problem
on listening and taking
advices but we must not
neglect our responsibility
to be independent on
what or how we must think
or respond because if
we dont do that we are
unresonably surrendering
our powers which is to
think and truly live.