I have always believed that there is only one way to make money. This is the hard work and the end of each month, you get what you pay. Grew up in a peasant family, I have seen what it really means to. I have experienced, to get up early in the morning, to the farm, factory or harvesting of rice, until sunset, when you work all day at home, sets, muscle soreness, said it all. It is hard work. I learned from my parents, if you have some money, you have to work for it. In many cases, I followed my mother snuff harvest leaves from a nearby village, and then he paid me so much, he can harvest. This has been making money in my training. This is my first money habits – the work of winning.

When I was in college, I desire to help my parents pay for my education. Luckily, I have been awarded a full scholarship, so he's registration fees. Even so, so that from far away to save money, spending in the country's most expensive cities is not easy. It was a tough battle, similar to climb down the ladder. So, in my little, I would like to talk about a university teaching assistant for one of the items the money. They do not value, because it is a government project, but sufficient to cover the cost of my part, my confidence increased.

After graduation, he immediately started as a multinational IT company's mainframe programming. This proposal I got was about 16,000 pesos, which is making huge profits, and then was graduated from university, and have little work experience. I work very hard, very fortunate to be promoted almost every year.

As my salary increased consumption of my desire also increased. I bought a refrigerator, washing machine, gas stove, shoes, etc. at the same time, even if can not afford to pay. I just use my new credit card! At this time I began to accumulate debt. "Easy" monthly payment did not fulfill their commitments. No monthly fee is easy, especially when you only need to believe that his salary. As I see it, the monthly increase in debt, I worried that I pay a monthly rent of the house, shopping, eating out with friends, and so on. There are times I'm just the money but also "my credit card cash advance." Some of you know, you pay the high "costs" as a cash advance. This is the money, it's most "advanced." My debt and large, more up! I was so compelled to make an overdraft ashamed, I promise, I paid the debt regardless. It's like a compound interest, is my work. I have to learn how money works. I have to find out regardless. No other choice.

When I think about my huge debt, trying to find ways to make more money. I tried to do some of my friends programming projects. Even if it enters the network marketing field, trying to sell health products and failure. I remember that my only "down" (a term that you are employed in the company) was my mother, my aunt, and my very few friends. This is a learning experience. What impresses me most is that I "need money" is not my transfer has not yet realized that my "customers." Is very difficult to "sell" is that we do not believe 100%, even more difficult when your motive is to "make" not to help other people more money. I think this is one of the causes of psychological disorder, he could not make it work. Every day, I said to myself struggling. I am here to really help others? Or just for the money?

Time, and I and my friends were hanging in the bookstore, I saw this book, Robert Kiyosaki Rich Dad, Poor Dad. I heard my friend say that this is a great book, so I bought, and brought back home and eat the story in the book of financial experience. The book I opened my eyes I do not know the money existed before the world. At that time, I realized that the rich from the poor and the middle class used to a different financial management. For the first time, and finally makes sense, why I can not seemed to dent my credit card debt, so I can not seem to sell anything. Because I am a bad money habit. I have to learn money habits, wealth and achieve financial freedom.

After that, I am excited to find more money. First of all, I have a plan to save our business. I started very small. Initially, only 2% of my salary automatically deducted and stay in my savings account. He did not even save money. A month later, increased to 5%, then to 10%. After a year of savings, I can put down 20% of my salary, I have no spare. It was in the habit of money, rich # 1 – pay yourself first.

With the savings, I can pay the debt slowly buy surely. Moreover, given me confidence, I can use an appropriate discipline and a wealth of money habits. When the opportunity for me to distribute to the U.S. for 6 months, in my company, I can save more to pay the rest of my credit card debt. This money is in the habit of the rich # 2 – out of bad debt as soon as possible!

I also began to watch me from the provision of life insurance agents who received many telephone calls serious attention. Prior to this, I always formed a number of excuses to avoid talking to them. But now, I would like to know more how can I use a different insurance products to protect themselves and their families. I also started reading business, monetary, investment and personal finance for more. A few years later, I managed to save an emergency fund. The money habits, wealth # 3 – Get some protection!

I still have a long way to go to financial freedom. This is my goal. I am learning how to build a passive, semi-passive income, the process, I am enjoying every minute. On this site, I will share I've learned you can also create custom from the rich and their money to ensure their financial success and freedom!

Tags: Building, Finance, Habits, mainframe programming, money, peasant family, Personal, quot, Rich, Rich Dad, Robert Kiyosaki, Story, U.S.