Resolution: Listening to music/radio

Listening to music/radio

I wear earphones when I brisk walk, jog, or ride to work. To feel more productive about spending my time listening to music and people speak, I decided to get some audio books. So instead of hearing gibberish, I get productive ideas that will lead to my long term goals. The audio books I got are about management of time, relationships, and success.

Investing time in the right material will definitely lead me faster towards achieving my goals.

On Budgeting

I was not a big fan of budgeting. I always had that excess/deficit whenever.


Until I challenged myself to have ZERO balance every month. This does not imply spending everything, it only means that every single cent is allocated to a specific goal.

For example 70% of all my income goes to investments, 25% to personal spending, 5% goes to a safety fund. My strategy is aggressive and very risky in the short term, but long term, I see it as my means to growing assets. I'm riding out the high growth in the Philippines.