Life and Money by Ramona

Life and Money by Ramona I help income earners build a strong financial foundation while enjoying life to the fullest.

It took me a year to trade again. 💹Why?If you asked me this question last week, my answer would be:✨ Ah, kasi sobrang bu...
10/03/2022

It took me a year to trade again. 💹

Why?

If you asked me this question last week, my answer would be:
✨ Ah, kasi sobrang busy ko last year with my financial advising.
✨ Nagiipon ako kasi mas bet ko magstart from malaki na capital.
✨ Di ko pa nape-perfect ang backtest ko, I need to study the charts even more pa.

If you ask me the same question today, my answer would be short and mapanakit:

Kasi, naging DUWAG ako. 🎯

You see, there's a difference between motion and taking action. I learned this from the book, Atomic Habits by James Clear. The two sound similar, but they're not the same.

✨ MOTION - planning, strategizing, learning.
✨ ACTION - attempting, delivering outcome, doing

Motion is useful, yes. But it will never produce an outcome by itself. It doesn't matter if we plan for years and come up with the perfect technique or strategy, that motion will never get you results.

Pero, bakit ang hilig natin to stay in motion and never take action? 🤔

Another mapanakit na answer: FEAR

We are so afraid of the risk of failure. We want to avoid criticisms. It doesn't feel good to be judged. You want to delay failure. You want to make yourself feel good by convincing yourself that you are still making progress. But it is all a tale you are telling yourself. Motion makes you feel you are getting things done but really, wala ka pa talagang nagagawa. 🎯

Your "preparation" has turned into PROCRASTINATION.

When I became aware of what I was in, I told myself, "Hanggang dito nalang ba tayo? Hanggang duwag ka nalang ba?" 🎯

The best is the enemy of the good. - Voltaire

Tama na ang kaka-aim. What you do, fire and aim. Afraid? Di na uso ang afraid, ang dami nang nangyayari sa mundo. Ngayon ka pa magiging afraid? (self pep talk) Learn from your mistakes, get back even stronger. Never stop fighting for your goals and the life you deserve. But above all, START.

And that's what I did. Just start from the beginning. Oh well, back to zero. But that's better than negative (motion).

Ikaw, when will you start fighting for your dreams? 🥰
I hope you make this day one and make the first step.
I hope you start. 🌻

Accepting financial consultations for 2022! ✨Lezz talk about protection and savings - emergency funds (and a dose of lif...
10/03/2022

Accepting financial consultations for 2022! ✨

Lezz talk about protection and savings - emergency funds (and a dose of life chika too).💕

Available on Tuesdays, Thursdays and Saturdays!
Few slots per day and sessions are online and FREE! ✨

If you have interested friends or friends that need help in their finances and are willing to learn, let them join too!

Let us make this year your best year ever by fixing your finances.
See ya!💃

There are some moments in our lives that we question why it had to happen but the universe allowed them because it had a...
03/03/2022

There are some moments in our lives that we question why it had to happen but the universe allowed them because it had amazing plans for us.

This was me 3 years ago. I was penniless, di pa dumating swelds sa new job ko. Kahit sunblock di ako makabili kaya ayan, sunog na sunog ako after climbing this hill. 😂 I just moved to a new job, in a place unfamiliar to me and all I wanted was a petite salary raise so I can gala. Walang dream big, dream big. I just allowed myself small, afraid dreams.

I just wanted to escape.

I thought I was escaping but I was actually setting a trap for myself. Things got even worse - even more painful hours of work, growing insecurities, self doubts, unreasonable pay, etc.

And the breaking point was, I just left. I left and decided to bet on myself.✨

Three years after, I have no regrets. The day I started believing myself, so much magic started happening to me. It is actually possible to dream big, to believe that I am capable of lifting myself towards my goals. Why did so many things have to happen before this? Maybe the universe was teaching me a lesson? Maybe I was being prepared so that I can fill the shoes. Or maybe my heart was being prepared for even greater battles.

So if you are confused with everything that is happening in your life right now, just bet on yourself. Only when you bet on yourself will the people around and the universe start betting on you too! Fire and re-aim. You got this, ikaw pa! 🍀✨🌼🌻

This scene from Hometown Cha Cha Cha touched my heart. ✨Parents always tend to sacrifice themselves for the future of th...
09/09/2021

This scene from Hometown Cha Cha Cha touched my heart. ✨

Parents always tend to sacrifice themselves for the future of their kids. Auto pilot mode talaga sila, natural in other words. Kapag mga anak nila ang pinaguusapan, sobrang laki ng heart nila 💕

But please do not forget to take care of yourselves too because as kids, we want to make bawi to you someday and make sure you enjoy many healthy and happy years pa. 💖

May we all live happy and healthy years to enjoy our families. May we have peace of mind and prosperity - my wish for everyone. 🙏

I was so happy to receive the booklet of my 2nd insurance policy.But guess sino ang mas happy? Si mudrabells. ✨My mama c...
19/03/2021

I was so happy to receive the booklet of my 2nd insurance policy.

But guess sino ang mas happy? Si mudrabells. ✨

My mama can no longer get a policy of her own dahil sa health conditions nya. Dalawa lang kami sa family, I am an only child. My father died when I was in highschool due to kidney infection. So maaga ako namulat sa thought that death can happen to anyone, anytime.

It can also happen to me, even if bata pa ako.

As the main provider, if I depart early from this world, what will happen to my mama?

So this is why in my 20s I have been trying my best to save and invest as much as I can. I’ve been jumping into new opportunities and learning as much as I can about finances and wealth.

This is how much I show my love for her.

Because even if I depart, ngayon pa lang, I made sure she will be fine. She will still be able to live the same lifestyle. This is how I spoil her. I spoil her for the future so that even if I will not be around anymore (knock on wood) I will still be able to spoil her.

It is okay to spoil our loved ones with material things, that is completely fine. But I hope we also spoil them with things that will be beneficial for their future. I know it can be challenging but saving and fixing our finances will pay off in the future. If you have your precious parents, your kids or any loved one you care for so much, prepare for YOUR future so that THEIR future will be secured.


This is my gift for her, for our future!
Love you mama! 💖

__________________

💌 I am currently a financial consultant to help others save for their future. Send me a message if you want to prepare for you and your loved one’s future too.

Walk with confidence, don't tiptoe.Keep showing the world what you got and eventually, your footprints will be filled. 💖
11/03/2021

Walk with confidence, don't tiptoe.
Keep showing the world what you got and eventually, your footprints will be filled. 💖

“One year na lumipas, talunan pa rin.”But wag mo din kalimutan na one year ka na din nagsisikap, pero hindi ka pa rin su...
10/03/2021

“One year na lumipas, talunan pa rin.”

But wag mo din kalimutan na one year ka na din nagsisikap, pero hindi ka pa rin sumusuko.

It is so easy to kill ourselves for falling short on our goals. It hurts when we are off-track from what we have planned.

“Dapat kasi nung 2020, na promote ako, kaso nagclose yung company.”
“Plano ko kasi magsimula mag invest nung 2020, kaso nawalan ng work.”

We always forget the battles we needed to fight every day to keep afloat. We always forget what we had to go through last year just to survive. C’mon, pat yourself on the back. Let me tell you, you are doing a great job. Let me tell you that I am in awe of your strength. Let me tell you that matutupad mo pa din ang dreams mo, just don’t stop putting the effort and please don’t give up too early.

If you are still far from your 2020 goals, don’t kill yourself. Use your 2020 failures as your motivation. There is a reason why you survived the last year and was able to enter 2021. This is your year of redemption, claim it. Stop dwelling on regrets: refocus, magnify and fire. This year is going to be a great year for you, trust me. 💖

Walang sukuan, kahit matalo ng paulit ulit. 💪

_____________

💌 Would love to hear your story, message us!

Money and women - the two strongest forces.But what if, you are a financially confident woman?That's the two strongest f...
04/03/2021

Money and women - the two strongest forces.

But what if, you are a financially confident woman?

That's the two strongest forces combined in you and that makes you UNSTOPPABLE. ✨

Happy Women's month!

____________________

💌 Let me know your thoughts on women and money, send me a message.
💌 Learn how to be a financially confident woman in 20 MINS!
Book a slot now!

“Ba’t ka masaya, hindi mo pa nararating ang goals mo.”We grew up with the notion that to become wealthy, one should offe...
09/02/2021

“Ba’t ka masaya, hindi mo pa nararating ang goals mo.”

We grew up with the notion that to become wealthy, one should offer himself to endless hours of work, sleep deprivation and eternal agony. While you are still in the process of building your wealth, you should suffer. If you have not reached your goal, you don’t have the right to be happy.

I beg to disagree.

I believe the wealth process must be filled with moments of self discovery, growth and happiness. Don’t deprive yourself of love just because you are far from your goals. Don’t kill yourself for being a little bit late on your timeline. Don’t think that you are only loveable when you succeed. Your goals are not the measure of your self-worth, self-love is not a condition only bestowed to those who are successful.

Find the balance between “you only live once” and “you only die once”.

Only if you are happy will you be able to give the world your best, and if you give the world your best, the world will give its best to you.

Happy hustling! 💪

________

💌 Let me know your thoughts, send me a message!

"Dapat by 26, may bahay, kotse at successful business ka na.""Dapat by 28, ikakasal ka na.""Before 30, dapat nakapagtrav...
08/02/2021

"Dapat by 26, may bahay, kotse at successful business ka na."
"Dapat by 28, ikakasal ka na."
"Before 30, dapat nakapagtravel ka na sa buong mundo."

Bakit?

"Kasi ganun talaga kapag successful. Kapag successful ka in life, lahat ng yan dapat na achieve mo na, lahat ng targets na hit na. If you reach 30 at hindi pa to kumpleto, you are already left behind."

Talaga ba? Says who?
Should there be deadlines in the first place?
Teacher ka ba? Ba’t may pa deadline ka? 🤣

We always tend to compare our wealth building journey with those tagged as “successful” by society. And because it hurts our pride to be left off, we try to acquire the shiny things just to become “successful” in everyone’s eyes even if it does not make us happy or it doesn’t bring us closer to our purpose. If ganito ang wealth building, I’d rather not build wealth. Hindi pala sya masaya.

If may bahay ka na at 26, good for you. But I sincerely hope you achieved that goal for yourself and not for the world.

Always remember, you don’t need to be convinced of your self-worth by taking on society’s demands and living up to its expectations. The journey of wealth building is not linear and does not have a concrete end goal. Both the journey and the destination is personal. It depends on your happiness, your purpose and your North Star.

So the next time someone attempts to pressure you, listen to the voice inside of you. This is your life, your rules and your decisions. Don’t measure your journey according to their timeline. As long as you are making an honest effort to be closer to your goals, you should be proud of yourself.

Beat your own deadlines, reach your desired destination.
Rooting for you, always! 💕

✨WHY I LEFT MY CAREER IN CHEMISTRY AND BECAME A FULL-TIME FINANCIAL CONSULTANT✨Reading time: 10 mins ⌚I used to work in ...
24/10/2020

✨WHY I LEFT MY CAREER IN CHEMISTRY AND BECAME A FULL-TIME FINANCIAL CONSULTANT✨

Reading time: 10 mins ⌚

I used to work in the region where Mt. Mayon sat. The first time I saw Mt. Mayon, I fell in love. But perhaps it will be a long time before I see this beauty again because I left my job.

I left my full-time Chemistry Career. 🤦‍♀️

Crazy, right? I mean, who would leave security and enter the unfamiliar?

Well, that would be me.

Few months ago, I was a Chemist working for a testing laboratory. I worked for 12 hours a day for 27 days (straight, no breaks in between) and had a break for about 8 days after. Until now, I could not believe I underwent that. Since college, I was always the first one to catch the flu and had to take more rest days than my batchmates just to get my body through the stress. And so, for a weakling like me, working for THAT long period WITHOUT a single day of rest was a feat. But beyond that feat, it became burdensome. Deep down, my body was complaining. I felt as if I was in an eternal physical fatigue. It also hit me hard emotionally. One, I was away from home. Second, I felt so undervalued as an employee. I would say, I was treated more like a worker and not as a human who also had her own aspirations in life. Third, I knew I was no longer happy. That I was not serving my purpose. Deep down, I knew the career I envisioned as a little girl was not where I am meant to be.

While working as a Chemist, I already started working part time for Pru Life UK (andaming time diba?). At that time, I was half hearted in pursuing the path of becoming a financial advisor. I had no sales experience; I did not know how to connect with people and I was not very empathetic as a person. How am I going to speak to different people? How am I going to say words that would bring comfort to others? I rarely spoke to people I didn’t know personally. Ang hirap mga besh! But slowly, with the guidance of my mentors, I learned how to relate to others and how to teach people important life concepts. I was slowly getting used to it and in fact, I was starting to like it. I felt that I was doing something close to my heart, it is as if I found my new purpose.

Fast forward to this month, I officially resigned from my lab job and became a fulltime Financial Consultant for Pru Life UK. I now call this my job! Is it easy? Nope. It is still hard. But it is happy-hard or what I call purposeful-hard. Now, I have enough time to take care of my clients and also take care of myself. Now, I have enough time to do the things I am truly passionate about and at the same time make memories with my family. I feel valued as a person, I feel important. I feel so blessed creating positive changes in the lives of my clients.

💥 Key lessons for your takeaway:

💥 HEALTH FIRST. If your job is ruining your health, quit. I don’t want to be insensitive to others who do not have a choice but to stick with their present jobs, but please if you find a job that allows you to take care of your body, then go for it. When we are young, we sacrifice our health for work but when we are old, we give anything just to be healthy for even a day. Your pay may be high, but your body deserves attention too.

💥 TO EMPLOYERS: OUTPUT IS NOT EVERYTHING. PAY ATTENTION TO YOUR EMPLOYEES' MENTAL HEALTH. Your employees may be fine on the outside but are crushed on the inside. If you hold a position in your company or manage a team, please make sure to check the mental state of your employees once in a while. Treat them as humans with emotions and not robots who do work for you. Support them in their dreams outside of work, the world of your employees do not revolve around you.

💥 WHEN YOU ARE LOST, FIND YOUR PURPOSE. This is your “blue flame”. The part of you that burns every time you do something you are passionate about. Your purpose is your compass. When you are lost, think of that one thing that makes you feel truly alive when you do it. Huge chance, that is your purpose. And if you are currently not in the position to do the things you are passionate about, I pray one day you will. When you do something aligned to your purpose, your stars will align for you too.

Namimiss ko ba ang Mayon? Do I miss that clarity, that direction-pointing career I had? The so-called “perfect” career in the eyes of others?

Yes, I do. 🤷‍♀️

But I guess, I found a new Mayon here in Cebu. Something that takes my breath away. Something that I am not just happy staring at, but something that I am happy persevering for everyday.

Now my heart can settle. I feel anew. I am blessed. 🌹

Address

Cebu City

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