Sudden Realizations from CASHFLOW

I know it's been a long time coming, that I haven't posted anything here for the past few months.

Everything you need to learn about money. You can have it all in this board.

Some of you may be curious. Some of you may not care. But this is what I do.

Somehow my months of play, study and work have caught up that I forgot to open and manage my blog. And to a surprise, my blog is still getting a lot of views from people I might not even recognize, let alone if they really exist.

So there's this game my friend brought along in the office. I have actually played it a couple of times before, and at last I got hold of the material and we got to play it.

Ever heard of the board game CASHFLOW?

Some [Financial] Safety & Security, Please (1)

One of the most interesting - and sometimes controversial - financial instruments happens to be the one thing that most Filipinos do not have. Forget about how much money you have in the bank. Forget about the money you keep under the bed or on your piggy bank. Forget about your mutual funds, the money you invest in the stock market, and other instruments that help you make money work for you.

Sure, these things are such valuable financial assets for you and your family. I mean, they help much in achieving the goals you have and realizing your lifelong dreams. But what if you are just starting out with your job and little has been invested on these assets, and then something happens to you, that you get knocked six feet under with your most treasured people in the world - your family - looking down on you as you go ahead and meet your Creator?

If you have any of those financial instruments stated above (and I'm pretty sure you have, or else!), do you think the money you have right now is enough to give back to your loved ones? Do you think the money you have right now can give them the assurance that everything is going to be fine, financial wise when you are gone?

What am I really talking about here? Here's an example.

What To Do With The Money First

I know I am so blessed right now financially when...

Well, there are a lot of factors.



And I don't think there is any reason why I should be mentioning my income streams because it's out of the topic.



But if there is just one thing that has allowed God's financial blessings to come to me so easily and frequently - particularly this past year when I have started earning to make a living and eventually a fortune - it would be the habit of setting a portion of my earnings/profits/salary/income (whatever you would call it), before I actually start spending them. And it is not just for buying a luxurious phone or a dream vacation. I have actually saved up for the good reasons, and it would be an opportunity to share to you how I have done it for over a year now, and how you, too, can follow the same system no regardless of the income you are earning on a monthly basis.

Mindset Over Training

Last Saturday was something I didn't expect to happen.

I kind of lacked sleep the whole day because of a party on top a mountain the night before, but I still had the guts to get up from my bed the next morning for work and for my postgraduate classes in the afternoon.

Breaking the Cycle

As I make this post right now, payday is just about a week from now for most employees, and for others, probably tomorrow, or every day if you are someone earning everyday from your business or your self-employed profession. As I talk to most people about how payday has blessed them from top to bottom, they often share the good times, with so much to spend for recreation and to relieve stress from the long work. Often, they speak of the times they have to pay others first, through debts incurred, whether necessary expenses or not, or even any outstanding bills that has to be settled first, like mortgages, monthly bills, and health maintenance.


Regardless of how much money they have earned, most of them end up with little or no more money left to cover their daily expenses and other matters. They usually end up waiting for the next payday to receive another set of income, and the system goes on until financially "free". While some of them would set aside for savings, which I am happy to hear also, questions will always be raised raised. Some of them are - how much are you saving from your income? Are your savings really "savings"? And for what reason/s are you saving?


Life has always been a cycle. Humans start out as babies, the become teens, and then they are old enough to decide for themselves what they want to do in life, procreate, and the cycle goes on and on. Of course, this takes time in order for such cycle to take full circle.