Why There Is No Need For You To Show Off

A couple of weeks ago, I was discussing with a friend about so many things such as the music we play as a band, how good homeschooling is for kids, politics in the Philippines, educating the youth, and our financial literacy advocacy. The most interesting part of our discussion was about stewardship and frugality, two of the things that I truly believe and always wanted to share to other people.

My friend told me about his father-in-law who lives in a posh village in the southern part of Metro Manila. His father-in-law owns 30 properties or so around the Philipppines but drives a very simple car. Which means he can buy any of those expensive SUV’s available around the Metro but prefers not to.

He uses an old school cellphone (the one with flashlight and FM radio) instead of smartphones that many people under the classification of “poor and not-so-poor” show off to their friends and frenemies alike.

Check out my post “We’re Using Cheap Cellphones, So What?”

My friend agrees with his father-in-law. He said that he would even choose a good second-hand car over a brand new one for practical reasons. And I share the same view and sentiment.

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Do you want to know why it is not good for you to show off especially if you don’t have the cash? Here are some of the reasons my friend and his father-in-law shared with me.

1. You become a subject of jealousy. Many people will surely get jealous of your high-end smartphone or your extravagant shoes. Yes, it’s your right and hell yah, you’re helping the economy. But tempting your friend to buy or borrow money just to get the same pair of shoes that you have may cause financial distress to him or her or their families. Leave the financial burden to yourself and do not tempt your friends and loved ones.

2. You will be the thief’s apple of the eye. Unlike my friend’s father-in-law who lives in a secured village, your house may be located in a place where you are your own security guard. Your dark street may be the kingdom and paradise for snatchers. Why risk your life for these?

3. You may lose your privacy and become the talk of the town. Many people will talk about you and that expensive thing that you bought. Well, you will say I don’t care what people say. But I tell you, you will. And it will be a big concern for you, your kids or family members in the future.

4. You will not really be happy about it. Other people may be impressed at least for a while. And you will too. Later on you will regret that decision of buying that mundane item because a more important financial matter needs to be settled. And you don’t have the cash anymore.

5. You will not benefit anything from showing off . You will fantasize about it before and after buying it. But soon your fantasy will become a nightmare. You won’t gain anything from such an interaction other than emotions fired up on both you and other people’s side — jealousy and pride. And neither of these two are good qualities for you to show off.

“Don’t be concerned about the outward beauty of fancy hairstyles, expensive jewelry, or beautiful clothes. You should clothe yourselves instead with the beauty that comes from within, the unfading beauty of a gentle and quiet spirit, which is so precious to God.” – 1 Peter 3:3

Live simply, comfortably and without the need to post what you have on social media and without the need to wave those bundles of cash in other people’s faces. Subscribe to Rock To Riches for FREE!

 

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P.S. 4. Yes, our Cyberpreneur Philippines book is now out in bookstores! Check out the chapters from my fellow authors Ray Calbay, Fitz Villafuerte, Ginger Arboleda, Kristel Silang, Marv de Leon, Paolo Lising, Anne Quintos, and other great online entrepreneurs and experts! Score your copy here now!

Save Money By Planting These Vegetables

Many will say that gardening and farming is not for everyone. But I beg to disagree.

We are now in the internet and information age and there’s no more excuse not to plant vegetables and fruit-bearing trees. Living in the city and in a condominium unit? Many people have done it and I know you could too!

For those with small garden lots and porches, there’s more reason for you to plant vegetables that you commonly use in your kitchen. Not only you will be healthy, you will also save money.

To make the most of your money, time, and space, these are the vegetables that we recommend to Filipino households to plant in their pots and backyards.

(Buy vegetable seeds here>>GreenThumbPH)

The Sinigang/Nilaga Combo

Pechay. This leafy buddy is one of the most favorite vegetables in the Philippines. In the local markets, one bundle may cost around P10 to P15. A pack of pechay seeds (containing hundreds if not thousands seeds) will only cost you around P25 to P40.

Pechay
Our pechay forest

Tomatoes. Tomatoes can save you a lot of money. It is one of the most common veggie used in Filipino cuisines and household kitchens. A significant ingredient of many local dishes, tomatoes can be grown easily. You can even get the seeds from the tomatoes you bought from the market and plant them on your pot with wet soil. 

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Tomatoes growing along our fences

Sitaw (Pole beans). Another veggie that is always part of the cast whether it’s sinigang or ginisa, is the sitaw. You can plant some sitaw seeds in a relatively big can of soil and let them crawl up a 4 to 5-foot bamboo stick or wood. You can also use other materials such as strings and old wires as “balag” or trellis.

Gabi (Taro root). This root crop grows not only in the provinces as this can be seen even around Metro Manila where there are vacant lots and open soil. A great pampalapot for your sinigang!

Kangkong (water spinach) or talbos ng kamoteng baging (sweet potato tops). Study shows that these leafy vegetables are rich in ‘antioxidants’ like ‘chlorogenic acid,’ ‘isoclorogenic acid,’ at ‘caffeic acid’. I just love the sweet potato tops (talbos)

KamotengBai

Herbs. Yes, you can easily grab them from the shelves of your favorite supermarket. But did you know that you can grow a lot of herbs indoors? Try to plant a few pots of rosemary, basil, and even chilis and let them grow near the windows in your kitchen.

The Ginisang Gulay/Pinakbet Gang

Okra. This slimy friend of yours is definitely very good for your body, and your dishes. I remember my parents putting a couple or more okra on top of our nearly-cooked hot steamed rice and then crushing them with tomato and the locally-made bagoong isda. Yummy!

Ampalaya (Bitter Gourd). It may be bitter for your tongue but very sweet for your body. Another easy-to-grow ingredient for your pinakbet or ginisa with egg.

Calabasa (Squash). The ginataang kalabasa (with sitao) is one of my favorite Filipino dishes. Imagine the savings you will have if you have this in your garden instead of buying them from the market.

Luya or luyang dilaw (ginger or turmeric) Not only it is a great ingredient for your dishes. Luya has medicinal benefits also. Have you tried drinking salabat or ginger tea? Make it a part of your breakfast and see how your health improve along the way.

What Are The Benefits of Growing Your Own Vegetables?

1. You have control over what ends up on your table. You can even decide what fertilizer and pest control to use. You can also choose whether to grow organic. In short, you know that you are eating vegetables that are safe from chemicals you may not like and are bad for you and your family.

2. Your food are surely fresh. There’s nothing better that fruits and vegetables picked from your garden. Did you know that once vegetables and fruits are picked these begin to lose moisture and nutrients? But if you are the one who made them grow, you are sure when it was been picked and how fresh it is.

3. A garden is good for your visual and mental health. A garden with vegetabls and fruits can bring color, beauty, and life to your garden. Plus the sight and smell of them can be refreshing for you and your family.

4. You save money. Did you know that the price of a pack of vegetable seeds is almost equivalent to what you would pay for a single vegetable or fruit at the supermarket? You even have to consider the fare or the gas you have to spend on getting to the store and back home.

5. It is a great family activity. Let your and your kids hands get dirty. Let them plant seedlings and harvest the fruits with them. You want them to get off the TV screen and their gadgets? This is the answer! It should be a lot of fun for the whole family!

6. Acquire some Vitamin D. Remember your parents letting you dry like clothes under the morning sun when you were a kid? Yes, it’s true. The sun’s rays promote Vitamin D production which really very good for our health. A 20- to 30-minute a day gardening can promote good sleep and positive energy. So go out now and have fun under the morning sun!

7. You can make money! If you have a garden big enough to plant 20 to 100 vegetable seedlings, then you can make money by selling your produce to your neighborhood or have them picked up by a vendor. The soil is a gift from nature and God so why not use them to bless other people?

Regardless of what you want to plant and grow in your pot or garden, make sure that you only choose those that you and your family will eat and those that will really give you what you want and need.

Ready to plant vegetables? I’m selling some seeds on my Shopee store GreenThumbPH. Go check it out! 🙂

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Top Pressing Financial Reasons Why You Need To Organize Your Records

Maybe you know where your SSS ID is kept. Maybe you know which drawer you squeezed in your passport. But when your filing cabinet becomes like the traffic in EDSA or the Los Angeles freeway and you can’t find a document that you need in at least 10 minutes, then it’s high time for your files to have a makeover.

Here are some of the pressing financial reasons why you need to get a better handle on all your documents sprawling around your house.

Less cost on fees. Your accountant or tax lawyers will charge your less on man-hour costs and professional fees if your files are well-organized. Having good records will save you money in the long run.

Saves you time. If your files are organized and properly labeled, it will be easier for you and your family members to pull them out if immediately needed.

Easier for family members to pick up documents when you are not around. More importantly, having your files organized will be easier for your spouse or kids to look for your files when needed and if you are not around. You will also set a good example to your family members when they see how organized you are.

Unorganized records lead to relationship friction. You may have experienced blaming your spouse or parents when you were looking for a particular document during an emergency and you could not find them. You can avoid these blame games by maintaining a good filing system.

Lets you know your current financial situation. Having good records and organized filing system will also help you and your family members understand what you currently have and how your cash flows in and out of your accounts.

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Transform Your Piles Into Files

Don’t procrastinate, start your simple home filing system now. You can start with just 10 to 20 major categories for your hanging files or filing folders.

Here are some examples for you to consider:

  • Cash and banking records
  • Mutual funds and unit investment trust funds
  • Stock brokerage accounts
  • Retirement plans
  • Insurance (Non-life)
  • Insurance (Life/critical illness/disability)
  • Insurance (Medical)
  • Estate plans
  • Work-related files
  • Home purchase and improvements
  • Loans and mortgages
  • Cars/vehicles
  • Taxes and government filings
  • Warranties and manuals of your appliances and gadgets
  • School records of your children
  • Personal financial records and inventory
  • Are you ready to get organized? Follow my posts and learn how to keep good records by subscribing to RockToRiches|BurnGutierrez.Com for FREE.

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