True, I earned big enough, big enough to support all my wants. Wala pa akong goals that time. I work just just to make money and spend it all the way.
After 2 years, I audited my finances, nakita ko ang bank account balance ko, sobrang liit to almost zero. I kept on thinking that if this would be the case always for me, I will end up staying all my life in the desert. Tama yung sinasabi ng mga economists sa Pilipinas na ang OFW walang savings, walang pera pag-uwi. Eventually kasi wala nang pera, they will end up going back again overseas to support daily needs.
Drastic change, that’s what I needed that time. Change lifestyle, cut-short all spending habits. Di pwedeng gradual kasi may chance na babalik ka pa rin sa dating ugali mo. I saved my earnings.
If you’re familiar with 10-20-70 rule of saving (10% kay LORD, 20 savings, 70 daily expenses), I modified this one, I created my own strict rule (10% kay LORD, 20% daily expense including remittance, 70% savings). Masakit di ba, imagine na lang na ang padala mo sa mga mahal mo may limit na, kasi dapat ang mga pamilya natin dapat kontrolin din, wag i-asa lahat sayo. But I survived. Then, I started to think ano ang pwedeng gawin sa 70%, if you let it stay with the banks, then your money will just sleep with very small interest. Business, ahhh good idea, but I should be hands-on with the business, otherwise malulugi lang ito kung i-asa mo sa brother, sister, or pamilya mo kasi nga none of them will take good care 100% of the business kasi di naman sila ang namuhunan, mostly not all.
Search ako sa internet kung ano ang pwede and most suitable for OFWs. Then, I stumbled upon the website of Bro. BO SANCHEZ, familiar na ako kay Bro. Bo since high school days ko pa. our family used to subscribed his magazine KERYGMA. He is helping Filipinos especially OFWs to save and retire hopefully as millionaires. He has this club called “TRULY RICH CLUB”.
At first, di ko alam na stock investment ang TRULY RICH CLUB (TRC), I kept on reading and reading and carefully study what the club is for and kung ano ang nagagawa ng Club sa members nito. The club is to teach you step-by-step of stock investing. They will guide you all the way hanggang sa maging familiar ka na on yor own. Bro. Bo is famous for coaching his maids to save and invest in stock market, imagine maid nga naka-invest, tayo pa kaya.
For OFWs, this is specially recommended kasi di naman 24 hours nakatutok tayo sa Philippine Stock Exchange (PSE). Isa pa may mga trabaho tayo sa umaga ang we’re usually all day sa site, office, or kung asan man ang assignment mo. TRC is teaching us to be investors, namumuhunan lang tayo sa mga malaking company sa Pilipinas. Kung aangat ang value ng company na pinili mo, kasabay ka dun sa pag-angat ng company. Just follow religiously ang mga recommendations ng TRC and then you can just continue your day job. The KEY here is to save and invest regularly.
TRC is giving away free ebook “My Maid Invests in Stock Market” as primer for those who would like to join the stock market investing. You can click the book thumbnail below. For me the best coach for stock investing is TRULY RICH CLUB, spoon-fed type instructions, even for those who haven’t have any knowledge of stocks.
If I were you... I will join the TRULY RICH CLUB. It's worth it.