2015 and 2016… A Financial wake up call

A sad reality of this world, particularly here in the Philippines,  is  that many really dread the idea of missing out. That fear was so great that many exhaust  all efforts to not make it happen. Unfortunately, others would go to the extent of spending beyond their means to do so. Thus, leaving nothing  for the rainy days.

I admit, I was once one of those people. Last year, I fell into the trap of ticking off as many places as possible  off of my Philippine bucket list.

Before anyone hurls a violent reaction about my statement, please be advised that I’m not discouraging anyone from travelling. All I’m saying is that, because of my new found love for travel, I forgot to keep things in moderation.

During the span of 12 months, I’ve stressed myself in meeting my ‘saving’ deadlines for one travel plan to another. Of course, I have to constantly pick up my pace since I also have unscheduled plans in between. Without me knowing, it became a ruthless cycle that made me more aggravated than usual. Now, my travel goals started to feel like a burden too.

It was sad, really.  The once fully enjoyable travel experience became an equally dreaded time of the month as well. My used to be healthy savings account started dwindling back to almost zero. At that point, I knew I was in trouble.

What I didn’t know is that I’ll be in more trouble for the months to follow. I’ve encountered bad investments, unexpected health expenses and emergency family needs. It was such a horror. A supposedly good year started turning sour.

I thought it was never going to end. Then one day, I realized that I can always go back to basics. I started revisiting the finance related websites that I used to regularly follow. In the process of doing so, I remembered my great dream to attain financial freedom. A dream that would enable me to travel freely and do so much more.

During the last quarter of 2015, I started  re-evaluating my personal life. I focused in analyzing my  needs versus wants in a wholistic level. As I do that, I went through the painful process of re-organizing my goals and compensating for my past blunders. It was difficult, I tell you that. But then again, it must be done.

As 2015 drew to a close, I continued to struggle during the start of 2016. Good thing about it is that it wasn’t as difficult as before. I’ve gained a little bit of patience and discipline to handle my day to day activities.

Today, I can say that I’m on my way to recovery. I may not become a millionaire this year or anytime soon, all I know is that at least I’m getting somewhere. For now, that’s all that matters.

If you’re in this point in your life right now, do not fret. You are not alone. Also, take comfort that there is hope. Hope that can start with you. Find inspiration. Start from what matters most to you.

Take a leap of faith.

See how much wonder awaits you

Matthew 6:21 New International Version (NIV)

21 For where your treasure is, there your heart will be also.

These are the sites that I normally visit:

https://www.facebook.com/groups/filpinofinancialfreedomforum/

http://www.fitzvillafuerte.com

http://www.investopedia.com

Books I’ve read (ing):

Bible – read more on stewardship. Google if you’re yet that well-versed in reading scriptures like myself. There are so many verses about money

Till Debt do us part by Chinkee Tan

My Maid Invests in the Stock Market by Bo Sanchez

 

2015…. A Local Travel Year

This post definitely came in late (to put it lightly ^_^).

Months before I turned 25, I promised myself that I would do something different for 2015. I just need to. After all, it was the first time that I will be able to enjoy the fruits of my labor without feeling too guilty about it. With a family member’s debt paid and a sibling who finally graduated, I earned a little bit of breathing space for poor old me. 😂😂😂

What a good way to start it with would be  travelling in my own country, the Philippines!

To be honest, having 7500 (before it was 7107) islands in our country made it really hard for me to decide which ones to go to first. So, what I did was simple…

I just waited for some crazy friends of mine to drag me along.

To be honest, I didn’t have to wait long for one of them was more than eager to visit 4 provinces in one go.

By the last week of February, I managed to visit 4 different provinces up north. Sagada, Baguio, Ilocos Norte and Ilocos Sur have different things to offer. In a span of days, I experienced trodding dirt roads; sun rise watching (though we ended up with a puff of clouds instead of Mr. Sun); trekking up and down the *mini* slopes to visit a hidden falls; short course spelunking with matching slips and not so graceful trips and many more.

 

By the end of our trip, I can no longer stop myself from grumbling on how painful my body was. Ironically, I also stated how much I wanted to do it all over again.

In just one vacation, I realized how intoxicating travel could be. I swear, if only I have the sufficient resources and err… leave credits, I’d definitely try to check if I can allot some of them for travel. Oh, I think I already did that last year! Silly me. 😁 No wonder I ended up visiting at least 10 provinces last year!

P.S.: photos posted were taken from different places I’ve visited throughout the year. The photo with the ala Greece feel was from my friend Rosey if I remember it correctly, that is. 😅