Worry is to liability. Courage is to asset.

 "Worry is to liability. Courage is to asset"

Ironically, I was hesitant to write this post. I was worry about my grammar. I was worry about unjust criticism. Ulcers were living in my stomach like crazy.  

However, there was a book I was longing to buy ever since. And that was: How to Stop Worrying and Start Living.

Let me tell you the benefits of worrying: None

Because it's a liability to our life.

However, I can give you a handful of problems when you worry.(Base on my experiences and references within the book.)

    1. It causes Fatigue.
       No one wants to work with limited energy and little attention span.
  

    2. Worrying causes break-outs.

          Let's be real here: being attractive is now a necessity. Your clients will take you more seriously that way.

     

   3. Worrying leads to depression.

          And depression leads to lousy decisions. 

     4.You can die young.
         I don't know about the next guy. But when I get older I want to reminisce on my journey to success.

     5. Sleepless Nights.
           Sleep deprivation will devour your self-worth. It will shatters your relationship with your loved ones. And it will stomp on your concentration like a bug.

     Courage is to asset.
     
       Because of courage we learn from our failures. Enabling us to take risks that we now understand.

  1. "Live in a day tight compartment."
      It sounds cliche. But every day is always a present.So cherish this moment and laugh out your mistakes. 

  2. Get the facts and then take action.
 Write your problems and possible solutions. If you already know the solutions face your gifts( problems.)       
          
  3. What's the worst thing that can happen

        Knowing the worst case scenario will prepare you for it. 

   4. Pray
      Praying to someone much higher than you will give you inner peace.

  5. Rest before you get tired.
        Naps can lessen stress, headaches, temptations, and irritations.
      
          
 More courage minus less worries= More Self-worth 

            More Self-worth creates more Net worth. 


 






 

    

Privilege

                                                           

               Privilege doesn’t only apply to senior citizens. All of us have it, even the poor have privileges. Don’t believe me. Let me tell you a story.

Jake is a wealthy man. He’s 30 years-old and already financially free. He’s a very generous man. If you had seen his face you would have thought he’s 18.He always go to a restaurant named “Conquers”

But here’s the big twist: Before he had gotten wealthy he was the unknown janitor in that restaurant. No he’s not bragging, he just want to eat there, and yet that was 12 years ago.He never went to the end part of the restaurant. But he didn’t have a choice. Because before he had arrived the front seats were already taken.

So being an optimist, he sat at the back table. Ordered his favorite combo meal, which is Harburg-steak and mango shake. After he have eaten his meal. He called up a waiter for the bill. Surprisingly the waiter was his old friend. The waiter swiftly grabbed the bill and began talking to his friend.

Waiter: You’re a big shot now Jake. How were you able to face your obstacles and how come you look young?

Jake was about to answer when the manager interrupted the waiter.

Manager: Get back here! We still have costumers.

Waiter: Wait just a second. I talking to a friend here.

The manager nodded to Jake then began to leave.

The waiter began whining: You so lucky you had already got out in this crappy place. We’ve always been scolded by that stupid manager. And don’t get me started with the poor it is so mediocre.

Jake stood up and confronted the waiter/ old friend with a crooked smile.

Jake: I’m successful because I have the privilege of a “conquer” and not a complainer. I also have the privilege of gratitude. I was happy I have a Job. I was happy I have a manager to tell me about my mistake. And I was happy because was  I being fed.

See, this is what I’m talking po.

The blessings are already there, we just need to open the box gratefully not the other way around.

As a Filipino teenager my privileges are:

1.     I didn’t live during the Spanish regime.

2.     I didn’t live during the American occupation.

3.     I didn’t live during the Japanese occupation.

4.     I didn’t live during Martial Law.

5.     I didn’t live in a time where they were no smartphones.

6.     I didn’t live during Lapu-Lapu’s time wherein there is no technology at all.

7.     I’m now living in a Democracy country.

8.     I have the privilege to think freely.

9.     I have the privilege to be happy.

10.   I have the privilege to worship my “God”

11.   …

Friend, the list goes on. Why, because we have a lot of blessings and privileges. We only need to open our pupil (that was a joke po) I mean eyes.

Godbless us all forever.

                 -Lander John M. Laroya

Budget ni Bagets- reason to learn more about Financial Literacy#1

I always remembered the time when I was a toddler. I thought that my parents and my sister were on my sight 24/7. ( I was in kindergarten,that is where my imagination started to grow) Why is this happening? Because their love is  massive that whenever they would be a lecture in class,I will vividly imagine their faces and their love for me. This is a reality.

Time is the greatest asset we can ever have, and in order to have it freely we need to become financially free. We will be able to spend more time with our family without worrying about money; because the lack of financial educational is our greatest liability; it will not only make you poorer, it will also steal your time from your family.

My point is this is one of the reasons we need to learn now!

My parents are both working abroad. My father, Leandro Laroya is an engineer, while my mother, Marites Laroya is a dentist. My sister, Lianne Martha Laroya is a blogger and a passive incomers.

We can only visit them during them during the holidays, which is I think in total is 65 days out of 265. My sister and I planned to build a lot of passive income, so that we can visit them every two weeks.  Because I don't want to spend my time with my parents, quarreling about who's going to pay for the medicine, the bills, and some other stuff. So in an early age I will be reading books about real state and other stream of passive income.

So when I turned 20 I will treat my parents to a restaurant, Picking whatever we want, without a single glance of its price.

One of the books I suggest you read after you read the best selling book " OMG! Where did your sweldo go" is "Think Rich Pinoy!" by Larry Gamboa who is also a PhD

Godbless us all forever(:

I had the pleasure to meet Sir. Marvin Germo  last May 30, 2015

Budget your money

 I didn't want to ruin the title by writing " Budget...Budget" (which is really ugly as a title.) Now that you have managed to know and to list down all of your blessings. You are ready to teach your bagets or yourselves in budgeting their own money with this five steps. But because this is a child perspective about budgeting, let's start with 3100 for the monthly allowance.

  But before we start let me tell you one quote ( Syempre I love quotes talaga eh, don't judge me)

P3100

1. Give 10 percent of your money to God or tithe (P310)

I've learned that from Bo Sanchez and see what he have become. He became a Billionaire in an early age. ( Kapag nagbigay ka sa  kapwa mo ng taos puso ang kapalit nito ay ang walang katapusan na biyaya ng Panginoon)

2.Set a monthly emergency fund, start with 15 percent ( 465 monthly)

  

              (Gagawa ako ng sarili kong quote dito) "An emergency fund is a fund where you can get some money during an emergency without asking your parents if you are already in your 30's" Emergency fund is obviously for emergencies only. The new shoes, gadgets, and clothers you're about to buy is not an emergency fund. 

4. Be frugal, don't look for the quality but look for the quantity. (Buying your baon in the groceries. 2325 Pesos)

5.Don't spend money in the grocery just because the product is in bulk and have a discount; instead look for the quality in bulk.  (Mabuti na ang sigurista o siguristo para hindi ka ma food-poison)

"Quality not Quantity"

5. Discipline yourself. 

"Without this fifth step, all of the other steps are worthless. Remember that your time is limited to become financially free.  Spend your time and money wisely. God Bless us all forever 

   P.S Basic lang po ito kung may trabaho na po ang  mga anak ninyo doon na po tayo sa complex.

                                                                                          -Lander John M. Laroya

     

Budget some time to count your blessings

I brought this topic out because some people always whined about not getting the latest gadgets and stuff. If you feel depressed for that,please count your limitless blessings first. Because if you cannot appreciate what you have now then you will not be able to attract and handle more wealth in your life. 

Here are the 5 steps to budget your blessings

1. Budget the time for gratitude

              

   Everyday you wake up, say thank you to your new life. Many babies were not been able to survive in their mother's womb. And here you are. Set a time for it also to write the things you are grateful for like; family, friends, and also the material things. 30 minutes iswill do. Sa aking karanasan kung gustuin mo naman sulatin lahat ng biyaya mo. Epekto nito mauubos ang puno sa kakasulat mo sa papel o kaya kuryento kung gadgets.

2.Gratitude is the best attitude

Kung may problema kang kinakaharap, isipan mo na biyaya ito ng iyong buhay. Life often push us around to make us stronger. Tell life to achieve that push and become a new you.

3. Budget to realize those people who are less fortunate than you

  Isa sa mga dahilan na ginawa ko yung blog na ito upang matigilan ang kahirapan o kaya mawala na ito ng tuluyan sa Pilipinas.  You are already have the advantage in life if you have the complete basic necessities in life. Other people will struggle so hard just to get where you are.

4. Donate your blessings to the less fortunate

       Remember to set a portion of your money for donations for the less fortunate.  Or better yet your knowledge and service. Believe me seeing people smiled will also make you smile. Para maging scientific nakaka-release pa ito ng Dopamine.

5. Always remember if you have gratitude you will not love money. But you will use it as a tool to be able to preach Finacial Freedom to the world.

Maraming mga tao na inaakala na masama ang pera, ngunit bakit kahit saan ka magpunta kailangan mo ng pera.   Money is a leverage for us to help to build wealth for ourselves and our loved ones, and if used just like the mind it kind create enormous wealth.

I borrowed some words from Robert Kiyosaki- Author of the rich dad poor dad book.