- Give each dollar a purpose
- Cut back on extras
- Shed high-interest debt
- Find joy in spending
- Avoid extremes
Welcome to my blog, a space where I share everything that interests me— from poetry and software reviews to my personal beliefs and opinions, and various fascinating topics. Most of the content you'll find here is a reflection of who I am, but I'll strive to keep it as diverse as possible. While I aim to use English as the main language, I may occasionally switch to Tagalog, my comfort zone. Start exploring and enjoy the read. Welcome to my world!
Bukod sa job, work o trabaho ay naghahanap pa ko ng extrang pagkakakitaan.
Hindi natin masasabi na stable ang ating trabaho sapagkat worldwide o globally na ang tanggalan o pagle-lay off ng mga employees. Magugulat at iiyak ka na lang kung sakaling isa ka sa kanila at hindi mo iyun napaghandaan.
Kaya kasalukuyan kong ginagawa ay nagtatabi at binubuo ko na ang Emergency Fund na katumbas ng 3 months ng expenses namin. Sa praktikal nga eh dapat atleast 6 months pero pasasaan ba at darating din tayo dun.
Sa ngayon, bukod sa natatanging work ko lang ang source of income ko, ay sinimulan ko ng mag-invest kahit noon pa sa Philippine Stock Market. Dati nag-iinvest lang ako sa mga kumpanyang gusto ko at alam kong di basta magsasara o malulugi pero ngayon nag-iba ako ng stratehiya.
Nag-iinvest na ko sa REITS para every 3 months or quarterly ay may makukuha akong cash dividends. Ayan ang isang paraan para kumita pa ko ng additional bukod sa aking trabaho.
Ang isa pa na bahagyang maliit at di talaga masasabing extra eh yung paglalaro ng games via ShopBack. Di lingid sa ating kaalaman na sa ShopBack ay pwede kang kumita ng cashback at pag nakaabot ka ng 200 pesos na threshold ay pwede mo itong i-transfer at i-withdraw sa iyong e-wallet or bank account. Ginagamit ko lang dati ang ShopBack sa tuwing may bibilin ako sa Shopee or Lazada pero ngayon sa simpleng pag-iinstall ng partner games nila sa smartphone mo eh kikita ka na ng pera.
Ang isa pang paraan para makabawas-bawas sa babayaran sa mga bibilhin mo sa Shopee ay ang pag-accumulate ng Shopee coins. Marami kang pwedeng gawin sa Shopee na tasks araw-araw like mag-check in, mag-browse ng stores/products, mag-claw ng random prizes at s'yempre manood ng libre at free short dramas. Sa ganitong paraan ay makakaipon ka ng coins na kung saan ay pwedeng magamit yun pang-less sa total na babayaran mo sa tuwing bibili ka sa Shopee platform.
Ano pa nga ba ang iba pang paraan? Nag-iisip ako na mag-invest sa global funds kung saan buwan-buwan ay bumibili ako ng worth 1,000 pesos na units. Nagiging posible ito sa pamamagitan ng pagclick ng Funds sa Maya, then proceed sa Seedbox Funds. At ang una kong nabili at nasimulan lang nitong September 1 ay ATRAM Global Equity Opportunity Feeder Fund. Kabibili ko lang uli nitong October 1 ng worth 1,000 pesos na units at kasalukuyang di pa nag-rereflect sa aking portfolio sapagkat may waiting period s'ya ng atleast 4 business days.
Kung umabot ka hanggang dito, tatanungin kita kung mayroon ka pa bang ibang alam kung paano kumita ng pera sa legal at safe na paraan?
Bago ko pala makalimutan, ang high-yield savings account or digital banks, ay isang mabisang paraan para madagdagan ang iyong ipon. Kung narinig mo na ang MariBank, Maya Savings, CIMB, GoTyme at iba pa, iyon ang aking tinutukoy.
Nag-share ako ng total na kinita ko last year (2025) sa Philippine Stock Market.
Ngayon naririto uli ako upang ibahagi ang kinita ko sa halos lagpas kalahati ng taong ito (2026).
Imagine, almost 10,000 pesos na ang kinita ko at di pa natatapos ang buong taon.
Sana ay maging inspirasyon din ito sa inyo upang magsimulang pasukin ang Stock Market. Sya nga pala, REITS ang pinagtutuunan ko ng pansin.
Enjoy investing!
Share ko lang sa inyo kung magkano ang total cash dividends na natanggap ko sa Philippine Stock Market.
Sana ay maging inspirasyon din ito sa inyo at magsimulang mag-invest sa Stock Market lalong lalo na sa REITS.
Enjoy investing!
Whether you're a digital artist, illustrator, graphic designer, or photographer, the internet has made it easier than ever to turn your creativity into a source of income.
Instead of relying on local clients alone, you can showcase your work to buyers around the world. From downloadable digital products to print-on-demand merchandise and stock photography, there's a platform for almost every type of creator.
Here are some of the best websites worth exploring.
Etsy has become one of the most popular marketplaces for creative entrepreneurs.
You can sell:
One of Etsy's biggest strengths is that you control your pricing, branding, and product listings while reaching millions of customers worldwide.
Gumroad is an excellent choice if you want to sell directly to your audience.
Creators commonly sell:
Because customers purchase directly from you, Gumroad is ideal for building your own creative business.
If you're a graphic designer or digital artist, Creative Market is one of the best places to sell professional design assets.
Popular products include:
Many businesses and fellow designers regularly shop here for high-quality creative resources.
If you're a photographer or digital illustrator, Adobe Stock allows you to license your work to businesses, marketers, publishers, and creative professionals around the world.
You can upload:
Every download earns you a royalty, making it a great source of passive income over time.
Shutterstock is one of the largest stock marketplaces in the world.
It's particularly suitable for:
The more quality content you upload, the greater your chances of generating recurring sales.
If you specialize in concept art, game art, fantasy illustrations, or 3D assets, ArtStation is an excellent platform.
Many professional artists sell:
It's also a fantastic place to build your portfolio and connect with clients in the gaming and entertainment industries.
Redbubble lets you upload artwork once and sell it on a wide variety of physical products.
These include:
The platform handles manufacturing, shipping, and customer support, allowing you to focus on creating.
Society6 operates similarly to Redbubble but has a strong audience interested in home décor.
Your artwork can appear on:
It's a great option if your artistic style complements interior design.
No matter which platform you choose, success rarely happens overnight. Here are a few ways to improve your chances:
Consistency is often more important than uploading hundreds of designs at once.
Many successful creators don't rely on a single platform.
For example, you could:
This diversified approach can help create multiple streams of income while reducing your dependence on any one marketplace.
There has never been a better time to share your creativity with a global audience.
Whether you're creating digital illustrations, graphic designs, concept art, or photography, there are countless opportunities to earn from your work online.
Choose one or two platforms to start with, learn how they work, and gradually expand as your portfolio grows.
Most importantly, keep creating. Every artwork and every photograph you publish is another opportunity for someone, somewhere in the world, to discover your talent.
Whenever someone asks me to name the 7 colors of the rainbow in sequence (order), I use the acronym I learned when I was a child.
ROYGBIVThat's it! You don't have to memorize those colors in mind. Just remember the acronym and you're good to go.
I have a full-time job and despite the COVID-19, the company I work for allows the work from home setup. But how am I going to earn more?
I guess I should start promoting my eBooks or getting more side hustles that are related to computer programming. I am also thinking of the passive income vehicles I have like buying more shares in the Philippine Stock market. I can buy big companies and accumulate more shares since the stock prices are more affordable and much cheaper.
Anyway, money is just a medium we use for buying and getting things we need and want. Without it, I don't know how we are going to live and how long we will last. But I am not saying that this is the most important thing in the world. The way you live in this world right at this moment and how you relate and give significance to others are what matters. God is with us if we do good deeds to our brothers and sisters. I'm sure you will be surprised and shocking about how time really flies quickly without even realizing it.
Time to move on and do what you want without stepping on others. Your age is just a number so don't make a big deal out of it at all. Don't let others (according to them) pressure you on things that you should do and must have. Your priorities are not theirs and theirs are not yours. Just mind your own business because in the end, what matters is your own happiness.
That's it.
Posted way back Pandemic times (2020-2022)
The six poor money habits to avoid are: • Neglecting savings : Failing to set aside a portion of income (ideally 10%) consistently before pa...