Zero Debt but Zero Savings
Here I am again writing to my blog, because it’s my birthday again, reflecting again on myself. How old am I? I will be 27 on Thursday, August 14.
As of now I have zero debt but zero savings. How nice is it? Actually it’s not so nice when I am thinking about my future. If these continue like this, what will happen when I have my own family? And God forbid some emergency happen to me or one of the members of my family, what will happen.
I created a plan for my future.
My goal is to have my own business. I already have an idea what business will I start. Off course I need a capital for these. With the help of my girlfriend, I budget my income to save at least 20 percent of all my income every month. The trick is save first before spending money to my usual expenses.
In this planning, as a computer programmer, I realized that I have used a lot of programming languages but I didn’t have a specialty. It just simply mean that I am a jack of all trade but master of nothing. So I picked a language that I will master, I’ll buy books that will help me master it. If possible I’ll take a certification exam for these. After I master these, I’ll apply to work abroad for a while. This way it will be faster to save money for my business.
Hope my plan will work. That’s all for now people. See you on my next post.
advance hapi burpdei. Gud luck and God bless
Comment by mike — August 13, 2008 @ 5:36 am
how nice naman…!!!sobrang swerte ng magiging future family mo…ganda ng mga plans mo..
sana matupad un lahat…i wish you all the lucks!…take care always!
Comment by lhynne — September 24, 2008 @ 10:38 am
pareho po pala tau..no debt, no savings din..
pero with God’s help po and of course with our efforts, magiging successful din po tau…
Comment by Xane Neil — September 24, 2008 @ 1:37 pm