I officially started working when I was sixteen in the number 1 food chain the country, Jollibee.  But even before that, I was actually working for my mom running errands in her small business. You get the picture, me as a service crew and a student at the same time?  20 years later, I wonder how I was able to endure such struggle. Oh I forgot to mention that I was taking up Chemical Engineering that time.

And at 21 I had my first corporate job, 3 months later, my second, then a month after was my third. I served that company for 2 years and to tell you frankly, I barely make ends meet. You know, I am the first child, my father passed away when I was in high school. And all the struggles you could think of, believe me, I’ve been there. Then I became an OFW.


But in spite of all that, I actually had a saving account. Yes, I was able to save. Nothing to brag about, just an itsy-bitsy savings. And the journey starts here:

  1. Set a goal.

Set your goal. It could be a million pesos or more but know WHY you want the money for.

  1. Create income streams.

The best source of income is the one that you don’t have to put much effort in, passive income. This fund source could be from dividends from your investments, rent, or some internet stuff.


  1. Be financial literate.

There are many available financial literacy blogs out there. Use that keyboard and learn. Read books, attend seminars. Spend on education. It’s the biggest ROI you could get.


  1. Spend but don’t splurge.

Save first before you spend. Before you spend your hard earned salary, put away that portion for your savings. Then budget the rest. But don’t be a miser. You could reward yourself too.


  1. Don’t be afraid to make mistakes.

You could make the wrong investments and lose money along the way. Your trusted friends could betray you and take your money away. But never let these things lose your sight to your goal. And never forget the expensive lessons. Hey, you could earn that money back.


  1. Track your progress.

Keep track of your financial progress so you know how close you are to reaching your goal. These will enable you to make corrections in case things aren’t going well as planned. And you can celebrate too if you’re leading the right path.

Did I reach my first million? Yes and no. Yes, because I finally made after so many years of working. No, because it didn’t happen on the time frame I set. So if you are reading this, be inspired and start your journey NOW.