11 Things to Know at 25(ish)

Author’s Note: I wrote this before mom’s passing but never got to post it… so I’m pretty some of my thoughts may have changed.

I read this article thru a friend on FB.

According to the author, Shauna Niequist, here are the 11 things you need to know to be a real adult

Image from RELEVANT Magazine

1. You Have Time to Find a Job You Love
2. Get Out of Debt and Stay Out of Debt
3. Don’t Rush Dating and Marriage
4. Give Your Best to Friends and Family
5. Get Some Counseling
6. Seek Out a Mentor
7. Be a Part of a Church
8. Find a Rhythm for Spiritual Disciplines
9. Volunteer
10. Feed Yourself and the People You Love
11. Don’t Get Stuck
— See full article here

In one of my “me” moments, I decided to look closely at each one and assess where I am at the moment. Yes, I am way over 25(ish) but I guess there’s no harm in continually learning and improving yourself. Continue reading “11 Things to Know at 25(ish)”

Start Late, Finish Rich

Start Late, Finish Rich

Here’s a book review I did about a year ago.


I was chatting with an officemate about financial wisdom and he ended up lending me this book. Although there are some ideas/tips that I don’t think will work in Philippines, the fundamentals are pretty helpful.

Key Ideas

  • Spend Less
  • Save More
  • Make More
  • Give More

Quotable Quotes

  • Give yourself a break: everyone makes mistakes — smart people learn from them
    I cannot agree more.
  • How much you earn has almost no bearing on whether or not you can and will build wealth.
    Although not entirely a new idea, the way it was presented made it clearer. All this time, my idea of getting rich is equated to earning more… when in fact, it should have been saving more.
  • Find your Latte Factor — and turbo-charge it
    My personal Double Latte Factors: My two mobile subscriptions and my Fitness First membership.
    – Unfortunately, I have contracts with the suppliers so I cannot easily opt out.
    [Update: I have canceled my Fitness First membership and just waiting on one of my mobile subscriptions to expire.]
  • Pay Yourself First
    I am not sure if this is applicable in the Philippines since I have not heard of the idea of pre-tax savings. However, I think the idea of keeping something (saving) some amount every payday is valid.
  • You cannot get rich by renting
    This is something that I have always believed in. However, the idea presented in the book that owning a home is as “easy” as renting may not be exactly correct in the Philippines.


Beyond Compare


On my way out of the office, I saw an old classmate back in Uni. He was busy with some business associates at that time, so we simply gave each other the customary head-nod.

Althought there was really nothing out-of-the-ordinary about that meeting, what made it quiet peculiar was the timing, I just saw an old classmate who came from one of the most affluent families of my batch (in fact they own the building where I worked) and here I was on my way to meet a friend (one of my ex-players, Carlo) and be his financial coach. Yes, a financial coach…

When Carlo asked to meet me a couple of weeks ago, I was really excited about helping him manage his money. But seeing my former classmate made me doubt if I am qualified to even talk about money matters with him. How can I, a mere salary-earning, public-commuting employee, possibly have the gall to talk about $$$?

As I waited and contemplated at the cafe, I came to this very simple answer…

It does not matter that my salary fails in comparison to other people. It does not matter that I am not as “successful” as the next guy. All that matters is that I can contribute, that I have this opportunity to help someone. What I need to focus on is getting past my insecurities…

How about you? Have you ever been in a situation where your insecurities prevented you from doing something?

Note: Beyond Compare is a tool for comparing files and folders on your Windows or Linux system.