Featured How to & Advice

Get Out of the Rat Race and Pay Yourself First

Ilang taon na rin ang nakakalipas simula ng magtrabaho ako after graduation. I was a rising employee sabi nga ng boss ko. Dahil Developer tayo, maraming deadlines kaya laging overtime pero siyempre kasama na din diyan ang pakitang gilas. Bibo tayo dati eh! I sacrificed my life pati yung buhay pamilya ko makamit ko lang yung inaasahang promotion at mataas na sweldo.

Gigising ng maaga tapos magbbyahe ng isa o dalawang oras depende pa yan sa traffic, pero minsan kapag minalas ka, sira pa LRT, o di kaya, pang sampung batch ka na bago ka makasakay. Imbes na fresh ka pupunta sa work, mukha kang nalantang gulay at di naligo ng tatlong araw!

Yan ang mga bagay kung bakit madalas na akong mastress sa trabaho, tapos lagi pang nag-aaya sa labas mga tropa ko. Gastos dito, gastos don. Peer pressure! Paulit-ulit na lang ang cycle ng buhay ko at yung mga dapat sana na inipon ko na lang sa bangko, napunta lang sa wala.

Hindi naman ako mayaman, #feelingrich lang. Akala ko kasi, kapag may sweldo ka buwan buwan at konting ipon sa bangko na minsan eh nababawasan pa, okay na.

Ako ang ‘The Living Legend’ ng rat race story ni Robert Kiyosaki.

Alam mo bang dumating na din ako sa punto na na-experience ang tinatawag ng mga henyo na ‘mid-life crisis’, totoo pala yon. May mga hinahanap ako sa buhay na hindi ko na alam kung ano.

Until one day, I accidentally saw my high school friend somewhere in Pasig and with the usual gesture, napa-kape kami sa Starbucks, ako pa nanlibre. (Yamanin diba?) Nagtanong siya kung malaki daw ba sweldo ko. Ang malupit don, he even asked me “Do you know how to invest? Ang stocks hawak mo ngayon?” Natawa ko e, sabi ko “Bro, kape kape lang tayo, walang networking!” Dahil I have zero knowledge when it comes to investing, sinabi ko sa kanya na baka pang-mayaman lang yon. Well of course, I asked a few questions until that questions became a small training with him about investing in Philippine Stock Market.

I was lucky enough to have a friend na dedicated tumulong at ipaintindi sa kin and mundo ng merkado. He taught me how things work, how to start in investing and how to make my money grow. He also taught me how to open my account sa Investagrams so I could practice trading bago sumabak sa totoong laban. Para akong binuhusan ng malamig na tubig dahil sa edad kong to, ngayon ko lang nalaman ang ganitong mga bagay at nagkainteres kung pano i-value ang hard-earned salary ko.

Fast forward today, nagkaron na ng meaning ang buhay ko (Naks, parang Hows of Us moment lang nila Kathniel!). Malaking pagbabago ang nangyari, nabawasan na ang after-work parties, I allocated time to study more about investing in stock market at madalas ko na uli makasama ang pamilya ko. I’m no longer living paycheck to paycheck, and instead of splurging everything, kasama na sa budget ko ang savings and investment.

‘Pay yourself first’ – a cardinal rule to discipline yourself towards your future goals and financial freedom.

Develop the skills and the right mindset necessary.

Yan lang ang dapat mo gawin at paulit ulit na panghawakan, sabi nga nila, don’t give up. Change how you think and you’ll change the results.

Naka-relate ka ba? Kung oo, I hope my story could help to open your eyes and treat this as perfect time to change. Hindi naman mahirap mag-invest, dedikasyon at yung WHYs mo lang ang kailangan mo to shift your mindset and improve your life for the better.

Salamat sa pakikinig kaibigan,
Your Ka-Investa, #AnonymousInvestaTrader

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