FINANCIAL FITNESS: Seven Nuggets of Wisdom

It was 2005 when I had the realization that I should take charge of my finances.
I was already working for quite some time, but didn’t have any savings.

A friend of mine shared his favorite book, “The Richest Man in Babylon” and at the same time, my brother was trying to influence me into taking a look into my financial status.

Since then, I was able to get a grip on things, slowly paying off my personal credit card debts and invested in some Retail Treasury Bonds (RTB), Time Deposits (TD) and the some Blue Chips in the Stock Market.

Back then, I was challenged as a single mom, trying to get back on track.
Years after the realization, I was able to make the change and had my own share of learnings along the way. These are things one would read in books, but for sure, these had helped me out a lot.

Sharing the Seven Nuggets of Wisdom that had helped me out during those times.

1. It’s all in the mind. 

Wealth is a mind game.

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Unless your parents are already millionaires and tycoons, almost everyone starts from scratch, zero, nada.  A more specific case is that if one is deeply in debt, relying on credit cards to live and funds coming in is not enough, having allocation for savings is the least of your priorities.
If you could relate to this scenario, don’t despair ~ I was in that exact situation 10 years ago.
Know that, as long as you have working income, you can convert that into passive income, IF YOU DECIDE. Be with positive, like-minded individuals. Develop a goal, device a plan and track your progress. What the mind can conceive, it can definitely achieve.

2. Develop the habit of saving. 

 Give yourself  10% no matter how small or big. It’s the habit, not the cost.

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 Be it Php 100 a month, Php 1,000 or even Php 10,000, it doesn’t really matter as long as you start on in. Remember, Rome was not built in a day.

3. Learn to find beauty in simplicity.
Simplify your life. Turn of the television, do picnics with the kids, run in the park and have mini picnics. Your kids will thank you more for it. Time spent with family is what makes childhood memories more special and memorable.
Do bike commutes,get on you bike and reduce your carbon footprint. Enjoy every moment of movement and the zen feeling of just breezing through traffic with just you and your bike.

4. Manage your wealth. 
Being stewards of wealth, we are gauged by how we manage what we have.
If we know how to manage the small stuff, we can then be trusted with the bigger stuff.

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Know how to minimize your extra expenses and determine the thin line between wants and needs. If you must, buy more assets that liabilities. Being a good money manager is the sure fire way to financial freedom

5. Make your money grow. 
It is not how much you earn but what you do with the money coming in.
Learn about your options with different investment vehicles: business, stocks, real estate, time deposits, etc. Expand your knowledge base and take calculated risks.

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Be open to opportunities for your money to grow – broaden your network and meet new people.
Who knows, your next business deal would probably come from that person you met in the gym!

6. Know there is joy in giving.
You might not feel that there is anything to give, but, looking at nugget #1, If you keep on telling yourself you have nothing, then your physical reality would prove your right.
As stewards, it is our duty also to share what we have.

Let us all learn from the majestic tress. They give that they may live.
When you prune a branch or pick a fruit, nature makes sure that it grows back after a time. The law of nature shows that the more you give, the more you grow.

7. Have fun in our way to financial freedom.

These simple things surprisingly makes a big difference to help you reach your financial fitness goals. Try it out and share what your nuggets of wisdom are!

6th Firefly Brigade Christmas Gift-giving Ride






“You will find, as you look back on your life, that the moments that stand out
are the moments when you have done things for others.”
 – Henry Drummond


Facebook is indeed a wonderful thing. Not only does it reconnect people but it helps the community in a lot of ways. I saw this invite from my Facebook, I believe that this is indeed a cause worth sharing and spending time on.

Photo credit: Crisostomo Family
Each year for the past five years, we don our santa claus and fairy costumes to go around Metro Manila to give out lootbags to kariton families and roadside public servants along our usual bike commute routes to school, work or errands.

Be a part of this annual yuletide CMR… no registration fees to be collected.

When December 17, Saturday
Registration 3.00-3.30pm Meet, Mingle, be Merry!
Assembly/Briefing 3.45
Ride Out 4.00pm
Lootbag-giving 4.00-6.30pm
ETA FB HQ 7pm

Requirements for joining the ride:
1) A happy yuletide disposition and willingness and physical capacity to carry at least 2 lootbags in your own backpack for the duration of the ride

*In case of back problems, you can be our candy man or woman… carry candies for giving away to kids, street families, traffic enforcers, takatak boys/girls and bystanders.

2) Contribute two lootbags (more if you like!) for the ride

3) Wear a Xmas Costume or have a Xmas accent on your bicycle…

4) If under 18 years of age, must be accompanied by a parent or guardian.

5) Must have blinkers, wear a helmet (if not wearing a santa hat), enough water for the ride

Suggested Contents of Loot Pack:
Option A
2kgs rice
2 Sachets of sardines or corned beef or any ulam in sachets
3 mami noodles
1 pack candies

Option B
Tasty Bread
2 Sachets of sardines or corned beef or any ulam in sachets
3 mami noodles
1 pack candies

Optional additionals:
facetowel, new/pre-owned good condition clothing, slippers
crackers, blanket

You may also donate in bulk any of the following, we’ll pack it for you!
Cash
Rice Packs
Rice Cavans
In Sachet Goods (sardines or corned beef or ulam)
Candies
Mami
Pre-owned shirts big enough for wrapping loot in
Food for After-ride Xmas Dinner

We will accept goods at Firefly Brigade’s Headquarters:
169 Kamias Road near corner Langka St., Kamias, QC

from December 10-15, Drop-off times are from 1-6pm only. 


— Christmas is the season for giving.. What better way to give than to combine your passion for biking with gift giving? 😀
You may also come early on ride day to help pack last minute donations.

Bike Forest Bike!!!

Today, upon checking out my Facebook, I saw this event from The Firefly Brigade – Phils. 

It caught my attention because it brought back memories of the days when biking for me was just like breathing air.
 
Bike to work from Makati to Alabang and back; bike to the trails of Montalban (Padyak All The Way); heck, even bike to do groceries in SM Makati!


My pink KHS bike and Mel’s blue Trek
Looking at my old pink bike, I was having flashbacks of how urban riding was so much fun that I have to re post this as an invite to all bike enthusiasts out there.

Mel of WOWPinay, Ricky of Firefly Brigade, Rissa of PinayFitness
11.12.11; 7am to 10am; Marikina City Hall

A Partnership Fun Ride to  highlight the International Year of the Forest, the 2nd Annual Science Film Festival and Clean Air Month.

 



Rissa, King of All Terra & Mel

Organizers:

Institute
French Embassy 
European Union
The Science Film Festival Committee

Partners:
Marikina Bikeways Office
Firefly Brigade
SM City Marikina
ABS-CBN Foundation
Pace: 10-15km per hour  Length: 20kms
Special Feature: Outdoor Film-showing of “Of Man and Forests”
Program Flow:
7.00am Assembly, Marikina City Hall
7.30am Opening Program
Welcome by SFF Organizers
Ride Briefing by Firefly Brigade
7.45-9.00am Ride Out
9.00-9.30am Closing Program, SM City Marikina
Welcome by Marikina City Administrator Victoriano Sabiniano
-talk about watershed management efforts/IYF efforts

Response of SFF Organizers (Goethe, Europenean Union)
and Introduction to Film-showing

Firefly Brigade Closing and Thank you to Bikers.
This activity also supports the National Greening Program

— I want to join.. who’s interested? 
Let’s meet up Pinays!

Kanlungan ni Maria : “Sharing” as a Form of Spiritual Fitness

Christmas Season. A time for giving. A time for loving. A time for sharing. 
We have often been talking about Physical Fitness, Mental Fitness and all other form of fitness that support our over-all well being, but this season, have you stopped for a while to reflect and consider focusing on Spiritual Fitness?
Spiritual fitness is so simple that most of us fail to practice it for ourselves. This blog’s link made me realize that we do not need a gym membership to be spiritually fit. Spiritual fitness, starts with nourishing the spirit within — it is putting God first in our lives; and as the Good Book had it written, “Faith without works is dead”, there is nourishment in sharing what we have with others.

LMV RFAC Relief Operation, Bulacan
I remember every year, when I was still in the corporate world, it has been a tradition for us to get involved in charity events. 
Now that I’m on my own and helping hubby out with the business, “Find a need and fill it” hits the mark for me and as I was talking to my motor cyle riding sisters; Las Marias Viajeras, I thought that this is indeed very timely.
As I am a proud member of the group (No.07), it feels such a privilege to be with a group that helping out with various causes like tree planting, helping out flood victims, the poor remote areas where a car cannot go to but motorcycles can — and this November 27, 2011, we will be visiting  Kanlungan ni Maria : Home for the Aged
 LMV FB, Tree planting Activity, Riders of Mother Earth
The said institution is looking for kind sponsors and those who have the heart to give and donate any amount for their cause to help  promote the welfare of old people living in the institution.
They are located in #17 Lanzones St, Nayong Silangan Subdv, Antipolo, Philippines.
LMV, together with Pinay Fitness, will visit the Institution for gift giving on November 27, 2011 and is currently open for donations and help on this project.
Fr. Dari Dioquino Priest-in-Charge of Kanlungan ni Maria: Home for the Aged emailed back and had requested for the following items : 
DEAR MAU, LMV,

GOOD EVENING, YOU CAN COME TO US ON NOV. 27 AT AROUND 10:30AM UNTIL 2PM. IF IN CASE I AM NOT AROUND SOMEBODY WILL ATTEND TO YOUR GROUP WE ARE HAPPY THAT YOU CHOSE OUR HOME. THESE ARE THE FOLLOWING ITEMS WE NEED: BABY WIPES, MILO, BEAR BRAND, CATSUP, VINEGAR, VEGETABLE OIL, FACE MASK, DISPOSABLE GLOVES AND ADULT DIAPERS. WILL TEXT YOU THE MEDICINES. THANK YOU VERY MUCH. GOD BLESS YOU ALL.

IN CHRIST THROUGH MARY,

FR. DARI DIOQUINO

Medicines:
LACIPIDINE 4mg /  MYRIN FORTE FIXCOM /  CELECOXIB 200mg /  LOSARTAN 100mg / TRIMETAZIDINE 20mg / CHOLINERY 500mg / SIMVASTATIN 20mg / CATAPRES 75mg /  METFORMIN 500mg / NORTEN 10mg

Pinay Fitness is currently working with Nuvera Medical Clinic (LG 54 Cityland Pioneer, Pioneer St., Mandaluyong) in providing them with the required condition specific medications.
What’s good with giving is that,  as with praying and meditation, it exercises our “Spiritual Muscle”, making us Spiritual Fit. It is similar to doing your repetitions, and sets in lifting weights; your laps and training run schedules that you religiously make time for and however you do your preparations for your sport. 
If you would want to exercise your Spiritual Muscle, donations are highly appreciated on or before 12 noon, Friday, November 25, 2011, the earlier the better so that we could consolidate it in buying the requirements as per the request of Fr. Dari.
I firmly believe that sharing or giving as a form of Spiritual fitness is better than receiving because this starts the whole receiving process. It’s all a cycle that one goes through and as I close this post, I leave you with a quote that I found on the net : 
“There is no exercise better for the heart than reaching down and lifting people up.”