Month: March 2016

Here’s the thing: life is really not a bed of roses. The bigger your dreams are, the bigger the challenges you may have to hurdle; but that does not mean you should just give up on your dreams altogether.

Here are five possible challenges that can slow you down on your way to reaching your goals, and how you can overcome them:

1. The Perfectionist’s Standard

Image source: http://www.theravive.com

The problem with most people is that they want to do everything perfectly that they end up not doing anything at all—or end up failing just because they chose to stick to this standard they have in their heads.

What you have to keep in mind is that perfection is just in the mind. No one’s perfect—but that doesn’t mean that your best is not necessarily the best. You should remember that you can always change your decisions, and more often than not, you will have a chance to correct your mistakes. Taking small steps towards your goals would get you there—and having the perfectionist’s standard won’t.

2. Comparing Yourself to Others

Image source: http://www.heartspoken.com

Other people think they’re not good enough so they end up comparing themselves to the people around them. When this happens, they’d feel that everything they’re doing isn’t as good as what the people around them are doing—which often leads to lingering self-doubts, and insecurities in life.

Here’s a good question: why are you even comparing yourself to others? You have to realize that you are great the way you are—and that your goals are your own. Make a vision board and a mission statement. As long as you’re clear with what you want, you’re good. You don’t have to base your success on others’ success—everyone has their own place in this world.

3. Always Thinking about What Others Are Saying

Image source: www.careerguideinindia.in

Another problem that most people have is that they focus on the negative things people have been saying against them. These make them lose confidence, and feel like they could do nothing good in their lives.

Again, why would you care about what others have to say? People always have something to say. Even celebrities have haters! What’s important is that you focus on doing your best. Entertaining negativity would do you no good—and would just take chunks of your time away from you.

4. Not Having Patience and Drive

Image source: http://theodysseyonline.com

What separates successful people from failures is that they never give up. Some people want instant gratification. They want to be successful right away—but life really does not work that way.

No matter how many times you fail, you just have to keep in mind that if you want to get what you want, then you should not give up. Be persistent, and realize that if you’ll give up, you’ll get absolutely nothing.

5. Being Defined by What Happened to Them, and Where They Are

Image source: http://www.westgatecomms.com

Finally, some people choose to be defined by where they are and what happened to them.

Sure, you may not be the richest person in the world—so what? Sure, you may have failed before, but so what? You don’t have to keep living in the past. If you want a good future, work hard in the present—and don’t give up!

Life is full of challenges, and that’s the truth—but remember, it’s your life and you can take control. Do that, and you’ll surely be successful!

If you have a relative living abroad, chances are, you’re also getting remittance money every once in a while. The thing with receiving money through remittance is that you kind of get tempted to spend it all since you’re not forced to place it in the bank. The problem is that if this is the case, there’s really a tendency that your relative’s money will just go to waste—sayang naman if that happens.

So, ano ang dapat gawin? Now that remittance money is in your hands, you can try these easy-to-do money saving tips below so that you’ll be able to stretch the remittance money and use it well.

1. Have a “saving” mindset

image source: www.telegraph.co.uk

Huwag puro gastos ang nasa isip. In order for you to save up, you have to have this “saving mindset” where you think about keeping some of the money you receive for future use—or for emergencies. It really all starts in the mind.

2. Put the money in the bank

image source : www.healthandherbs.co.nz

Next, open a savings account. In some banks, it could be as low as P250. Sure, it’s hard at first and you may feel like your money isn’t growing, but in time, you’ll see that you’re actually able to create a viable fund for yourself. A little always goes a long way.

3. Live within your means

image source : www.slideshare.net

Sure, you want to shop each day—but are you really capable of shopping every single day? Remember that the remittance money that you received came from hard work. You may not see it, but the person abroad really worked hard just to send you money—so make sure that you make most of it.

Do you really need to have coffee at Starbucks every day, if you can make your own coffee? Or, do you really need to buy a new pair of shoes—even if you have 5 useful pairs? If you know you cannot afford something, huwag na ipilit. Buy only what you need, then designate a shopping/grocery day each week, or each month if you can.

4. Set financial goals

image source: www.inexfinance.com

No matter how young you are, it’s best if you can already create and keep track of your financial goals. You can start small. For example, your goal is to buy that P2000 bag that you need this month. Well, you could save a little each day. Say, P70. In a month, 70 will become P2100—which means you’ll finally be able to buy the bag. When that happens, you’ll feel even more fulfilled because you’ll realize that you exerted effort in saving that money! It’ll make you feel so much better!

5. Create an expenditure list

image source: blog.quizzle.com

It’s not that hard. You can just put your list in one of your extra notebooks. Each day, make a list of what you have spent. It’s an easy way of seeing how much money you’re using—and when you see that you’re using too much, you could at least tell yourself to stop—or control your spending.

Keep these tips in mind, and surely, you’ll get to stretch that remittance money! Good Luck!