spend, save and invest...

lesson for today...

the forever dilemma of a twenty-something would probably how to get to that secured future...caught up between, having your own money to splurge on wants or to save up for what might come...

on the first few years of being an "earner" (and a tax payer)...we tend to spend our money on our wants...or had wanted...which translates to us being slaves of commerce...buying more than what we need...

for the fortunate ones who can and plans to live forever under their parents roof, means more money to spend...more meaning...all income...

for the unfortunate ones whose families expects them to be the provider the moment they step out of college, they are not spared from being slaves of commodities either...they probably spend less...but still they spend more than what is necessary and end up saving almost nothing at all...

i belong to the fortunate...the only contribution i make to the household is probably on the phone bill...and occasional splurges on food that i bring home...and end up eating myself...i still don't pay rent, water and electricity...i don't contribute for food or grocery even if some are solely mine alone...hay, i'm not proud of that...i wrote about it to remind myself that i am fortunate...

so where does my money go?...nothing worth bragging about...mostly to wants and everyday personal expense...my savings wouldn't pay for a day in the hospital if i get sick...it could probably pay for medications...but still would depend on a lot of things...if i decide to splurge on an out of town trip or decide to bum around for a month my bankbook would deplete to nothing...so....what to do...

something i learned in church and would like to share...it's not bad to want more from life...including money...a good advice to make this possible even in the most improbable of circumstances is to spend, save and invest...spend on things you need, and occasionally on things you want...take note of the keyword: occasionally...save the rest!...atleast save something...anything, any amount...and take note and set goals for your bankbook...and lastly...the one thing Filipinos are not used to...invest...start small...dream big...work hard and persevere...sooner or later, you'll see your money grow...and last but not the least, let me add...share...share as much as you can afford to save...share half of what goes to your savings...and at times when you see your debit account...you'd be proud of yourself twice...once for being a good spender and twice for being a good person...

do i walk the talk?...i promise i will...and i wish and pray i can do more...=)