"If You Don't Find a Way to Make Money While You Sleep, You Will Work Until You Die." - Warren Buffett-

Do you know the saying? “Experience is the best teacher.” 
But, as a teacher that tells you what to do and NOT what to do,
I still do what I wanted to do. 
In short, I was stubborn in managing my money. 
Back then, I thought I can manage. 
But I was wrong. 
That’s why I ended up in a massive amount of debt!
I incurred debt because of my lack of financial knowledge. And NOT lack of money.
Because of this, I ended up living in fear and anxiety. Day after day, demand letters from Banks and companies I owed are piling up. 
I need to change my present situation, as it’s becoming unhealthy.
I need to change my perspective on life. 

I Invested In Knowledge

So, I started reading books about personal finance.
I started learning new skills that can help me earn money and NOT rely solely on my job for income.
I Join groups online and talk to like-minded people. It was a wonderful experience. It changed my thinking, and it slowly changed my life.
Today, I overcome the challenges of my debt problem and begin the next chapter of my financial life…

Investing In Knowledge So That My Money Will Work For Me. 

I Work Hard Like The Rest Of Us 

I worked as an OFW.
I work abroad like many Filipinos do to provide a good life for my family. I realized that however big my salary is, compared to the average employee in the Philippines, a job is not a solution to my money problems.
When I had my first son, I told myself I need to hustle and create additional income. Otherwise, the salary that I am earning will not be sufficient when he grows older.
I started small businesses that will still earn me income even I am not physically in the Philippines. 
I started learning new skills, building and creating websites for clients in my spare time and after work. I started freelancing and register to Freelance sites and take on projects.
With the skills, I learned from Freelancing. I realized I could turn my passion, know-how, and experiences into profit, and I tried information publishing or Information Product Business.
I started writing eBooks and create online courses.
Then I ventured into real estate investing, especially condominiums for investment.
I also ventured into the world of the stock market and cryptocurrency.

Knowledge Is The New Money

best business to start for employees and OFW
As Zig Ziglar said, “If you are NOT willing to learn, no one can help you.
But if you are willing to learn, NO ONE can stop you.”
When I started improving my personal finances, I thought I need to focus on how much money I earned. 
I soon realized that If I wanted to improve my personal finances, I need to improve my financial knowledge.
What is important to me now is NOT how much money I have, but on accumulating knowledge to make my money grow.
So if even I lose it all, I can start all over again because I have the financial knowledge and the skills.

What’s Bigger Than Money?

So, If you are experiencing what I experienced before, got into serious debt and in a financial mess. Never give up.
Don’t lose hope. Focus on the prize. Ask yourself you’re bigger. WHY?
Why do you want to pay off your debt? Why do you want to improve your financial situation? Why do you want to have money?
It should be bigger than YOU. 
Bigger than money.
Do it for the benefit of your family and loved ones.
In the end, it’s not the money that is important, but the changes it can bring to our loved ones. 
If you wanted to learn more about how I improved my financial situation, click the link below to access my FREE resources.
All you need to do is to download and read it below
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How To Start An Online Business In The Philippines
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How To Start An Online Business In The Philippines
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Start An Online Business Using Your Skills And Passion In The Philippines With A Laptop And Internet Connection. Start This From
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Digital EntrePinoy
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