How a Taxi Driver Became a Bank President
It all started when my plane to Cebu was delayed by 5 hours.
While my fellow-passengers around were acting like enraged volcanoes spewing lava, cursing the catastrophe that befell upon us—I smiled and closed my eyes. Instantly, I felt peace. I whispered, “Lord, you have a special surprise in store for me.”
And in minutes, I discovered my gift.
That special surprise was Ray, a man who would bless me with his life. He also gave me key business ideas that would double my income.
He greeted me with a firm handshake and a friendly smile. “I watch you on TV,” he said, “and I text my family and friends to watch you.”
Like me, Ray’s flight to Mindanao was delayed for 8 hours. (All the flights that day were delayed. The airport looked like a refugee camp with people sitting on the floor and crowds begging for food from the airline personnel.)
I didn’t know why, but I sensed a connection with the man in front of me.
Later on, I discovered why.
As we found seats and ordered coffee, Ray shared with me the riveting story of his life. I was so swept away by his experience, I forgot all about my coffee.
“I went to Bible School and became a Pastor,” he said. “I pioneered a small church.” But after being a Pastor for 3 years, tragedy struck. His wife lost a baby boy in her pregnancy. The trial caused Ray to think about his family more.
“It’s lonely being a Pastor,” he explained. “The problems of my flock are all my problems. But my problems were only mine! So I asked my people to pastor their pastor too.” Slowly, he delegated his roles to his congregation as he felt a need to focus on his family—especially their financial needs.
His joined corporate life. For 6 years, he worked for a big company as their Regional Manager for the entire Mindanao (Southern region of the Philippines). He was earning P50,000 a month (US$1000+), a big sum during that time. But at the end of the day, he was still broke. In fact, he was in debt to the tune of P1.2 Million (US$26,000+)—including a warrant of arrest.
To survive and feed his children, the former Regional Manager became a Taxi Driver. It was an incredibly humbling experience. But he learned important lessons that would change his life forever.
Rey was now only earning P350 a day—a far cry from what he was earning before. But it was here where he learned how to manage his money.
It was here where he learned how to live within his means.
It was here where he learned how to save.
Ray said, “People like to manage what they don’t have. That’s why they’re poor. By borrowing for stuff they can’t afford. During that year as a Taxi Driver, I learned to manage what I had. And I was actually better off earning P350 a day than earning P50,000 a month! Because now, I learned to manage my money.”
After one year of being a Taxi driver, he borrowed enough money to buy cabs and became a Taxi Operator. But that was only a transitional step to learn how to run a business. His real goal was to be in the “money” business.
Ray wanted to own a bank.
So his first step was to work in a Rural Bank—without asking for a salary. He simply wanted to learn. And 3 years later, when he learned enough, Ray built his own Rural Bank.
Today, his Rural Bank is going strong. So far, after 7 years, the bank has given micro-loans to over a thousand people in his city, providing them with capital for their small businesses. And with 97% repayment efficiency! Because of this, his bank is transforming the lives of the poor. He teaches them the habits of saving, investing, and entrepreneurship.
Ray explained, “I ask people, ‘Do you want to prosper? What do you have? You may not have money. But you have time. Not just time, but time to learn. So use that! Join an insurance company and be an agent. Or join a company and sell their product. The important thing is to learn—and from there, branch out. Don’t get a job to earn money. Get a job to learn! And don’t start a business to earn money. Get into a business to learn! The money will follow.”
He continued, “Some people start a business and want to earn right away. But that’s not wise. Starting a business is like a slingshot. You have to pull back. That means clearing the way. Take time pulling back. Because when it’s time to release, you’ll be surprised that your business will rapidly shoot towards the target.”
Ray is a Serial Entrepreneur. At the back of his calling card is a list of his other businesses: a construction company, a property management company, salons, restaurants—plus a few more.
“I never manage my businesses,” he said, “I pass it on to people who can do a better job. I make them part owners. That’s why I can own many businesses.”
As Ray spoke, it was though I was hearing myself preach.
We both have the same beliefs about money.
We’re both Preachers that address the practical needs of people.
We’re both Serial Entrepreneurs.
And we both are fighting poverty by teaching three things to the Filipino: (1) a practical spirituality, (2) a more positive financial mindset, and (3) financial literacy.
Oh, one last thing: We both love our families.
At the airport, I met Ray’s lovely wife and beautiful daughter with him.
I sensed the happiness in his family. It was refreshing.
That day, my catastrophe turned out to be a rich blessing.
Not only for me, but everyone who’s reading this blog right now.
Talking to Ray made me realize more than ever before that we should never tell ourselves, “I’m stuck where I am. My life will never change.”
Keep dreaming my friend.
God has a wonderful plan for your life.
Pursue it with passion.
May your dreams come true,
Bo Sanchez
PS. Have you ever thought earning through the internet? On August 29 and 30, join our Truly Rich Internet Marketing Workshop. This “hands-on” workshop will guide you step-by-step how to create a website that will earn dollars for you while you sleep. To know more about it, click here.
PS2. When you’re sick, you realize that health is wealth. Learn more about health and healing for yourself and your loved ones! This October, wellness Guru Amado Samia is giving a breakthrough seminar to guide you to discover simple, effective, and life-changing ways of attaining wellness for your body, mind, and spirit. Click here for details.
PS3. Receive Kerygma Magazine for FREE! Log on at www.kerygmafamily.com and receive a mountain load of spiritual blessings for your life—daily email reflections, digital copies of our magazines, audio talks, and more!
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continue to inspire us. that’s a major problem with most poor or rich - spending beyond their means. unfortunately it has become a part of their lifestyle.
my flight was also delayed for 7 hours with CP.
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Hi Bo,
In spite of all the comments you may receive daily (which I’m sure you do and are swamped with…), let me take this little space to intrude in your gigantic site to say an honest, most heartfelt thank you.
I am a radio anchor for one of the country’s biggest networks, a television producer, a writer, a professional voice -over talent and a mother of two. Despite a sizable salary, lumped together with some professional fees, I was also, in June 2007, broke and deep in debt.
On a free trip (freeloading on my mother) to a posh country club in Batangas with my two kids and hubby, my mom handed me a book. She said, “Here. Bo Sanchez gave a talk for our org yesterday and I got you something.” It was 8 Secretsof the Truly Rich. Needless to say, it stayed on top of my luggage and wasforgotten until I got home. Now why did I mention the posh country club?Because it is so crucial in this story. There I was, swimming at the infinity pool with my kids with a mixed feeling of happiness and sulky bitterness. Happy, because I was splashing around in the pool with my kids, and bitter, beacuse I wanted to scream my head off at all the “rich” people whom I felt were pulling a fast one on me and living their greedy lives teeing off at the club.
I read your book when I got home to smoggy Manila, and I devoured it in one sitting.
Your book was truly a LIFE-OPENER. It opened me to the possibility of investing, getting rid of debt, saving the right way, of giving, dreaming, and the right attitude and ideas about being rich.
Fast forward to today, I’m glad to announce that I have zero debt (YIPEEEE!!!!), save 20% of my income, invested in funds, and I’m planning my first few steps in real estate investing (and I won’t stop at plan, I promise). I’ve still got a super long way to go, and it’s been tough, I’ve cried a bit a long the way, but it took a book and a very inspiring person to lead me to be truly rich. A person who has opened my eyes to giving, to God who loves us and wants us truly to live wealthy lives. Wealthy in the spiritual, emotional, and financial sense. I also have made a commitment to tithe, and I’d love to put in some to Anawim. How can I do that?
Anyway, thank you so much. And oh yeah, about the multimedia outfit or channel you’d like to put up? I’d love to partner with you, bounce around my ideas, and we’ll see. I’m not in broadcasting for nothing. : ) email me, let’s see!
God bless you, and may you continue to inspire and help people.
Autumn
God bless you Bo! This is just what i needed. Im starting a business with capital loaned from an angel investor. I attended your seminar back in 2005, we even talked a bit in the cr of the philam building in makati.
i learn alot from reading your books. i hope i can talk with you sometime on a personal level to share the blessings i have received from trying to be like you.
Many thanks! God bless you again.
Work to learn. Great business lesson for all.
God bless bro. bo.
your story is truly inspiring and I can relate. from earning 30K++, due to a series of unfortunate events, i had to quit work, move away. now i am just earning php350 a day. it is humbling and very hard. but honestly, i am learning, learning to save and prioritize my expenses, and tithe. sometimes, it is difficult to accept the reality of how hard my life is now, being a single parent and all. but this story made me realize more that God has plans for me. and i just need to keep a good attitude while waiting for God’s plan to unfold.
mm
were the same situition. …. because of bo. were very thankful.,,,, “Gokongwei” say as boy i sold peanut from my backyard. today i sell snack to the world….im rosylle… if they can…WE can… mm … God love us.. … thank you bo.. ang dami naming na blessed sa mga story mo.
WooW! another great and inspiring story !
thanks a lot brother bo. hope to have coffee with you too(your treat…
)… hehhehehe.
yes ! i believe that God will always have a great plans for us… he will always bring us into situations over and over again until we learn… so we will not surrender, take the challenge, do your best and God will do the rest.
thanks again.
thank you very much Bo..
it was a great story. i learned some thoughts that may be a useful tools to continue my dreams. Thanks a lot
yes! continue to inspire us. everyday as i read your blog. it gives me hope that i can achieve all my dreams. and i know God has a plan for me.. and He is starting it already..
please include me on your prayer Mr. Bo Sanchez..
God is so Good that he created a person like you who gives hope to every people through your writings…
God bless you and your family…
Praise God, we have a Bo Sanchez…
Thanks Bro.
We should also continue to remind ourselves to make the next generation (our children) better than us, and their children (our grandchildren) better than our children.
Our nation needs people like you Bo and your friends and like Ray whom you met not by accident but by destiny. Keep on inspiring us. Never give up.
God bless us, our love ones, and our country.
Cheers!
that’s right…its really inspirational…hmmm, we might be a dreamer but like Ray….we could also reached the point from where God want us to be through tough or smooth course….God bless us all and we’ll meet on our dreams that soon be our realities….
Brother Bo,
a lot of thanks for the inspiring story me and my wife love to read your story every now and then. God Bless and more abundance blessing
Bro. Erick
Bo…will share it in our website ha? so it will bless more people. Mwah! God bless
good day kuya bo!
thanks for this inspiring article… i always watch out for your newsletter in my e-mail because i admire your writings.. so its safe to say that im also one of your fans.. i passed the nursing licensure exam last dec07 but sadly until now i don’t have work yet… your current article makes me realize and remind myself to not give up in spite of the things that is happening in our life… that God has a greater plan for us sooner or later….
keep on inspiring millions of people kuya bo…
take care po god bless you always
i was very touched with your story.it made my resolve to pursue my dreams for me and my family strong.tp persist in what i believe i can do.thanks for the inspiration.you make me to walk in faith and trust in God.more power!
i had the chance to work abroad but i wasn’t able to save anything. it was only in april 2008, after attending your 8 secrets of the truly rich seminar in jakarta, indonesia that i realized that i should be thinking of my future. now i’m back here in manila. God has blessed me with a high paying job.
i worked for 10 years but i wasn’t able to save.
this time, i am going to put into practice everything you have in your book. i’ll be buying stocks next month
and i am also talking to people with background on mutual fund (wanna learn more). I am also volunteering to teach children who cannot afford to be in school.
thank you for inspiring us Ray and Bo!
Praise God!
Indeed, another inspiring article to make our life meaningful and leave a legacy.GET A JOB TO LEARN…MONEY FOLLOWS…SO WE CAN HELP MORE!
Cheers!
A timely article. Because at this point in time I’m contemplating on stopping my very small business, selling anything that my officemates and friends need, due to a bad experience. A year ago nagtiwala ako sa isang friend because at the start she was a good customer but up to now no payment was made for the goods worth 4,000+ she got.
Hi Kuya,
What a nice story indeed! Thanks for sharing it with us alwayz.
WOW…Salamat…salamat..salamat….gumaan…gumanda ang mundo ko dahil sa inyo..PAG-ASA! PAG-ASA! yan ang nakikita ko…SALAMAT!
tnx bro. bo for this another inspiring story… im a business course graduate and i want to use all my learnings from school but as i entered my first job in a chamber of commerce i realized that my learnings are far behind from the reality of the corporate world… i\’v seen how business people face problems of not only about their businesses but of how to contribute to the society… and i can really say that business should not be about working with people but working with and FOR the people… its really nice seeing and knowing people who have went through hardships before getting to where they are now… i took business course so i can put up my own business someday, and as of now i am contented of where i am starting to learn… my job now lets me appreciate and see that its not about how much you earn that matters…after all its about the things you get out of the experiences and the reality you will encounter… it will be such an inspiration if you will know that your boss, a big time and prominent businessman had used to work being an ordinary employee before getting into the bigger picture of owning companies… and providing jobs to many people…. God bless!
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Hi Bro. Bo,
This is a very inspiring story. I hope you won’t mind if I will include this particular link in my blog.
Thanks..
Dear Bro. Bo thaks a lot for this truly inspiring article from your blog I learn a lot from this article your a blessing talaga more power to your family and ministry.
Bro. Bo,
Thanks for sharing with us your beautiful and nourishing insights about real life drama of ordinary people becoming the extraordinary. It created a huge impact in the lives of thousand filipinos today believing that anyone can rise from rugs to riches…May GOD continue to use you to bless the thousands…
hi bo
thanks for the great and wonderful story. I have learned a lot especially finances. I am traveling on Oct to Davao City hope to find more inspiring people like you do.
Hi Bro. Bo
Thank you for this beautiful insight. A lot of employees get burned out of their work because they get stuck into it. Yes, you are right that we work to learn and learn and not just to wait for the paydays.What is important is we get new insights everyday from our colleagues, clients and the structure of the work.
God bless you and thank you!
hi kuya bo,
salamat sa walang sawa mong pagbibigay ng mga inpirasyon sa aming buhay.
sa artikolo mong ito isang tao ang pumasok sa isipan ko ang taong nagtiis at nagpakahirap upang ang aming pamilya ay hindi mapariwara.
kung sa tingin ng iba siya ay walang kwenta dahil mas pinili nya ang kanyang asawa at mga anak kahit tawagin siyang ander de saya itinaguyod nya ang pamilya at tinalikuran ang mundo para sa kanila.
naiayos nya ang buhay ng buong pamilya at nabigyan ng mataas na edukasyon ang kanyang mga anak.
ngayong wala na siya alam naming mga nagmamahal sa kanya siya ay maligaya sa piling ng ating “AMA “.
ALAY KO SA KANYA ANG ARTIKULO MONG ITO,
maraming salamat po at pagpalain kayo ng ating panginoon.
hi Bro Bo, thank you po 4 all d inspiring articles from u.u are a big blessing 4 me i learn a lot of things from u from ur articles and i watch ur show on ch 5 kaya lang di ko napo alam kung anong bgong timeslot. thanks again God bless po!!!
Thank you so much kuya Bo…your sharing has refreshed my drooping spirit to achieve several pending plans in my life…God bless you and your “families” (Kerygma, and your real family)!!!
truly. wonderfully. inspiring.
i’ve been so down this week, actually, on the verge of giving up on a certain dream of mine… but then, this blog entry came along. (i’ve seen that there are always bumps and potholes along the way, but it must not [and never] stop you from reaching your dreams - minsan nga yung bumps at potholes pa ang nagiging daan para ‘matagpuan’ mo yung dream mo… ^_~)…
mabuhay to you bro.bo and bro.ray!
in parting, i’ve just recently read this message in one of og mandino’s books; some words of wisdom from Dr. Reinhold Niebuhr during a commencement exercise;
” Nothing that is worth doing can be accomplished in your lifetime; therefore you will have to be saved by hope. Nothing that is beautiful will make sense in the immediate instance; therefore, you must be saved by faith. Nothing that is worth doing can be done alone, but has to be done with others; therefore you must be saved by love.”
*i read this awhile ago… and it just kinda stuck. ^_^
that was a refreshing for real, i felt the same.
Thanks for such inspiring words on my very special day..i also attended the kerygma fest here in Iloilo and am so happy i attended it!very inspiring indeed!God bless!:)
thanks for that inspiring article.
true enough we should not focus on money everytime. we should use our own resources, those things that we already have and be happy with it.
big things starts in small ones, right?
All we have to do is to always trust God and let Him lead the way.
Praise to Jesus and Mary!
WOW! its a very very very 100% inspiring true to life story bro.bo,
i love to read and hear like that kind of story. because it can also help me during me downs,
and everytime i go to school, teach my catechism class i always iwan my studend a good story to make them inspire for serving GOD
My the GOD BLESS YOU always and give you more life, and give you more good ideas and more inspiring story for us.
Praise God!!
It’s really a dream come true and i’m also wishing that someday i would be like one!It inspired me a lot to do more the efforts and less complain. just keep going on. as long that God is the center of all , live with your dreams and act on it!
thank you very bro!
Hi Bo,
Great story. Still remember me? We used to be neighbours in Jackielouville. I’m with the Aussie missionaries. I live now in Pemberton Western Australia. You have inspired me with your financial books. I’ll be investing in the stock market, do internet marketing and do property options in a span of one year. God has been good to me. I have a lovely wife and we are expecting a baby in February. I still have my heart for the street children in the Philippines and plan to open up houses in major city. God bless your work Bo.
Dear Bo:
Since I started reading your article (whatever they call them) life has changed. And in August I wrote to you, if you could be our speaker in one of the hospital’s (where used to work as a Staff Nurse cum HRD Consultant) but to no avail, you were on an earlier scheduled out of town speaking engagement, according to your Secretary, Chelle. I got disappointed at that time. ‘Know why? My eagerness to let so many people in the Hospital, to hear your inspiring works won’t come true. I’ ve been very active in organizing seminar/lecture or any events that could improve the lives of the people there, because, to my mind they are like “robots” who just work and work and give little attention to feed their minds,souls/life of life important lessons or values.
Hope I could be a part of your ministry. By the way, I am a Psychologist (my first course) and a Registered Nurse (in the Philippines). I have just resigned from work, and now continuing my hospice volunteer work for cancer patients in one of the Hospice in Alabang. Please email me, if I would fit in your gigantic institution. Thanks. More power! Ms. Willing
wow…this is truly inspiring…thanks a lot, Bro. Bo, for sharing this great story…God Bless!!!
Hi Bo!
I always read your articles like this and I have become a fan. Like Rey, I have been working for so many years now with a salary na masasabi kong way above the average but my debts is stil the same as 10 years ago or nadagdagan pa yata,my problem is i really dont know how to manage my finances.
What happened to the spiritual life of Rey? Iniwan ba nya ang pagiging Pastor and go into business? If that’s the case then medyo malungkot din yon di ba? Minsan din too much money will make you drift away from god, dont get me wrong, I too want to have enough money. Sana kahit na ganon na karami ang pera ni Rey, nagagamit pa rin sya sa mga ministries.
God Bless.
I just read this and it is so appropriate with this blog.
“By believing that God keeps His promises, we will become stronger in our faith and more at peace. Hardships that once would have thrown us off course will lose their power to shake us. Hope will replace discouragement, and trust will overcome doubt. Each time trouble comes, focus your attention upon your loving heavenly Father and His ability to care for you.
Through His Spirit and the Word, we start to see things as the Father does and learn what pleases Him. “
dear bro bo. truly inspiring. thank you for all the stories you mailed to me. appreciated. thank you very much. GOD bless.
Thanks Bro. Bo for the inspiration always. Everytime i read your stories i am so engrossed that i almost feel your enthusiasm as you relate your story. I am now in the process of taking a big step in changing my life. I am praying to our Lord that He will guide me in my decision. With your prayers i know I can make it and i know the Lord is with me. Thank you. God Bless.
since i started reading THink rich pinoy by Larry gamboa, i learned about financial literacy and that it is also needed (not just educational literacy) to succeed..
i liked the story of ray.. people like him inspires me that i can still provide a good and stable life for my family. it makes me dream higher.
i know im never too young to learn business (im 19) hehe im thanking the Lord for bringing me to an event planning company(uhm we also offer seminars, retreats and the like)
im looking forward to attending this year’s Kerygma Conference! sana sana.. go think positive..hehe
Hmmm… sounds good to me… going to business to learn. I like that…
God bless you Bro Bo. Thank you for inspiring us. I’m only 16 years old and i always learn from your stories. i really admire how you write stories and talk to people with such energy from God. I hope you can come here in iligan city and have an inspirational talk to us youth. GODSPEED.
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hi Bo,
it’s a very inspiring story yes i am dreaming someday about help others in their health concern but i’m not a medical practitioner but simple secretary in a monastery, but i know i can help them somehow i am starting to learn about traditional chinese medicine with one of the brother here and trying to acquire the knowledge and perfected some procedure for a simple headache and coughing well i have to start in simple aches just to relieve the pain without buying a medicine since medicine even paracetamol is quite expensive for a person who earn 100.00 a day with a family of 4, i am taking one step at a time.
more power and continue to inspire lives
some peoplearereally bless bobecause they have jesus…
keep what your doing. you are a blessing…
i liked the article..it made me view the job i have today as a learning opportunity..before i just viewed it as a means of earning MONEY…the article made me reflect on what my plans are and reminded me to live by my means…thanks for the reminder Bo…
Such story really inspire me, because at present i’m also facing with soooo much debts… Hope the Lord will not get tired of listening to my plea help me get through with all these debts… May He never get tired of teaching me how to solve this so depressing problems… Thanks Bro. Bo!
ang galing naman ni Lord. as i browsed this page. I emailed this article to my friends ng di ko binasa ng buo. pa out na ako ng mabasa ko yung isang part nito. eto pala ang kwento ni Bro Bo sa SWEET Life kanina sa QTV11 na inabangan ko, nagpalate na ako ng dinner heheh para lang mapanood. I pray maraming magtyagang magbasa sa mga pinadalhan ko nitong article. at mainspire din just like me.
God bless!
You inspired me more! Thank you and God bless us all Filipinos…
Hi Bo, I love your site very much! I hope to be linked in your blog as I too teach personal finance and financial independence in my blog. Hope you could visit my blog too.
Dear Bo,
How I wish I could attend this seminar: TRULY RICH INTERNET MARKETING WORKSOP. . . But, it’s just so impossible. I’m living in the island province of Catanduanes — in the Bicol Region. And besides, i’m a working mom. . .
Tess
thanks bro.for sharing ray’s story…i was about to enter a business (networking ) but maybe it’s not yet my time. naliwanagan ang isipan ko ,ther’s no rushing to getting rich….thanks a lot ..naiinspired me sa story nyo ..your truly a blessing!!!! sori for d delayed reply….. God bless always…
hi Bo ! God bless u…always
OH BO!! oh bo!!
after sending this reply… one thing is possible my email ad will be flooded by the comments of other people,but even though thats not a problem,(to Be honest) i do not open all of them…. i delete them… but one time i read one….i was inspired by it ……now i appreciate it…
what an idea again… by you..
sir bo,
thanks for sharing your wonderful experienced..many
thanks for always sending daily soul food..and for your untiring write ups that helps to strengthen my faith… thanks for inspiring me everyday..
God bless you more..
Yeah! It’s True We Need to Work in Whatever Dreams,
We Make don’t Listen the Negatives of other Poeple.
Just do Your Best WIll To Learn to Succeed.
I am an ordinary admin assistant earning about 10,000 pesos in a month net. As I read Ray’s story I am deeply touched and at the same time inspired that maybe I can talk to Him or either to you Bro. Bo so both of you can be my mentors.
I really wanted to have more than enough so I can share my blessings to the poorest of the poor and be a blessing to the world.
If I may borrow Bro. Bo’s quote “You cannot give what you do not have, we should have an emotional why to reach such dreams and desires. So, I ask God’s grace and guidance that He will send human angels and super natural angels to show me the way to fulfill such desires.
Miracles do happen I know one day I will be rich and debt free by that day I will bless the world in Jesus name. Amen….amen
kuya bo you’re such a great blessing! you’re inspirational thoughts and stories have reached so many people like me very timely . Truely, God knows when to show me things and shower me with so much blessings…..
I pray that your ministry will last and expand.
thak you very much
Hello Kuya Bo, thank you so much for enlighting and giving us inspirations… Godbless you always…
Brother Bo, every 5 in the morning, you’re the person giving me enlightenment, courage, and inspiration in life. You made me see the beauty of life even in dull times. Thank you. Please continue writing and speaking about God.
brother Bo,
I see your book every time I enter National Bookstore and saw it only as one of the “get rich books”. I was lucky to be given a copy from my teacher (very kind and pretty) as an award and was really surprised by the content. I have to say Thank You for writing the book and including the importance of spirituality too.
Also, thanks to the cutest teacher who gave me the book
thanks for sharing Brother Bo
[…] How a Taxi Driver Became a Bank President It all started when my plane to Cebu was delayed by 5 hours. […]
thanks for sharing your stories brother bo, how i wish we could meet someday.
This is what i am going thru right now…
I am married with 3 kids. Ive been working for about 15 years now. Before, i let my wife handle the bugdeting.
I lost my job Last year, i was jobless for 3 months. All my savings were emptied plus debt of about P50k. This is already big for me.
I found a job a month before Christmas. Though my basic pay now is higher than i was receiving, my take home pay becomes lower…..
In my previous job, we receive ot pay + profit sharing at the end of the year + allowances.
So i end up controlling our daily expenses to make our money last till the next payday.
I know God is with us. He will provide us our daily needs.
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The Secret Of Becoming A Champion
Today, I’d like to teach you how to become a Champion. I’d like to teach you how to get Big Returns in your life. Now if you want small returns, skip this piece. It won’t interest you. If you want to live a mediocre life, content with mediocre harvests, mediocre results, mediocre rewards, mediocre marriage, a mediocre job, […] Read more »
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