As early as I could remember, I knew that making money was already hard coded into my DNA. Allow me to share a few vivid childhood memories with you then afterwards, give you the most important advice that I will ever give.
Let me first bring you back to 1977. My mom and I were house-sitting for my Godparents for a couple of days while they were away on vacation with my cousins. I had just turned 5 years old and as a gift I was given a shiny, second hand instamatic camera with a free roll of film, 24 shots as I recall. “What to do with it?” I remember saying to myself. So I went around the house looking for things to take pictures of.
I did not have to look far because the moment the household helpers saw my shiny new camera, they started offering to pose for me to take their photos. With no hesitation, I counter offered to take their pictures for 1 Peso a click. They agreed. Kaching! I was in business and all I had to do was push a button. 24 pesos in 1977! Not bad for a 5 year old kid. (Of course my mom had to shoulder the expenses of actually developing the film. Thanks Mom!)
Then when I was in grade school, I started a small sideline racket by selling bubble gum scratch cards (made by Fleer, it was a set of 3 PACMAN scratch cards with free bubble gum) to my classmates for 12 pesos while my cost was 9 pesos (a 33% mark-up). At that time, my classmates went crazy for the stuff but were too lazy to go and buy it themselves. I saw an opportunity and took it. Every dismissal time, I would go to Shoppesville in Green hills to get the stuff, bring it to school the next day and do it over and over again. I made a killing and I was only 10 years old.
As I moved on to high-school, I entered yet another money making venture as a sketch artist that designed t-shirts for school events –Yes, I was pretty good in drawing back then. In one project, my seatmate made a deal with me. There is an upcoming school dance he said, I’ll come up with the money to finance producing of t-shirts for the dance but you design the logo and the artwork. I’ll give you 30% of the profits if we make money. but if we don’t make money then that’s my problem. I looked at him and said: I can have your drawing by tomorrow; it was a no-brainer deal.
By the end of the day, we had sold all the shirts. I netted P5,000 (Equivalent to P15000 today). I made money yet again, this time no capital needed from me.
Then, when I graduated from College, I decided to try the corporate life. Within a few weeks, I found a high paying job, eventually got hired by a bigger transnational company and then again by an even bigger multinational company all in a span of a few short years. My salary at this point was staggering. I started to change my lifestyle, bought anything I wanted on a whim justifying it by saying, well I deserve it anyway. Life was good. At least that’s what I thought.
You see for all the money that I would earn, I would spend it all on useless stuff because I thought that I could always make more of it anyway. In fact, I became so careless about it that my credit cards were always used up and for some reason would never be paid off.
I needed help but I didn’t know how or even where to start until I met my wife Jhoanna. The day I met her, was the day I became a true success.
She became my greatest inspiration. If you remember the movie of Jack Nicholson “As good as it gets” there is a line there that truly captures what I felt for her back then until now: “…You make me want to be a better man.”
How can I get married to Jhoanna, when I’m neck deep in debt and careless about money I asked. Well, I think Jhoanna overheard me because she seconded the motion.
So with a lot of “Tough Love”, she made it a priority to help me get out of debt, by teaching and helping me create a money management system to follow. Every Month I had to put in a big chunk of my earnings into a special bank account that we set up which I could never ever touch. She would use that to pay off my credit card debts first, then the rest would be for our wedding fund. It took us a little over 3 years to fully pay off my debts and get back on track but if it wasn’t for my wife, I would never be who I am today.
Today, I lead a group of companies that are 100% debt free and profitable. I am a successful businessman, forex trader and trainer. So my best advice ever for you in Money is this:
“All of your success in making money will mean nothing if you do not know how to manage your money properly. If you do not know how to manage your money get help from someone who does, better if it is your spouse.”
Thank you Jhoanna, because of you, I am and continue to strive to be a better man.
Here are your two assignments:
1. Scroll down to the bottom and comment on this article to participate
2. Read the Next Article – “Money Management Simplified Part 1″
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Awesome blog!
I thought about starting my own blog too but I’m just too lazy so, I guess I‘ll just have to keep checking yours out.
LOL,
Thanks for this great post, Mark. I’m earning a sideline in online venture but the money is not spent wisely. I have read your Money Management Simplified 1 and 2 and learned lessons from it. Your tips will now my guidelines in managing my money effectively.
By the way, kindly update me your training schedules every month. I want to post it in Entrepinoy Bank. If you have 125×125 banner on free forex trading seminar, I can put it in my site for free.
I will also try to attend your Free Online Forex Trading next month.
Regards,
Eleazar Tutor Acampado
Admin
Hi Eleazar,
It is always a pleasure to hear from people such as yourself. I sincerely hope that you do indeed benefit from my lessons.
I will contact you very soon about your generous offer. Please know that I truly appreciate it.
All the best, all the time,
-Mark
yah, it’s true.
It’s not about the money you earned, but the money you saved.–that’s what I thought. I am happy for you, Mark because you found your better half… Thanks for giving such a good advice..
Thanks for writing in AT. That is correct! Best of luck to you in all your endeavors Talk soon!
I believe what you’ve written is a hundred percent accurate. When you are on your own and are making a good chuck of change, you tend to use it on a lot of useless things. Money management is so crucial for the future for yourself and the people that depend on you. It is great that your wife has been there by your side to get you out of the debt situation and am quite happy that you are successful. I took your class a few years ago and still follow what youve said with my current work. I will always be happy that I took your class and will also listen to your advice. Cheers!
Ritesh! How can I ever forget you! Glad you got a chance to read and comment on my blog. More to come please continue to share with your friends, like me, I’m sure they will appreciate it!
I enjoy reading the article though I hope my partner will give time to read it because I believe I am on the other side of the coin with your wife. Being married, of course you know that it will always take the two of you to succeed.
Welcome to the project Jen. I hope your partner does take the time to join us and learn from our articles and life experiences as well. Best!
Mark, I am both excited and “not sure if I can make it to the end” feeling on starting your lessons for the “How To Make Money Run After You”.
But, i’ll give it a try and hopefully finish it with your help and patience.
I am a full time government employee for twelve years now, a part-time Mom, a part-time blogger and a part-time businesswoman. But then still, both ends won’t meet.
Thank you for sharing! God bless!
Hi Bea, if there is a will, there is a way! You can do it!
Your blog truly inspired me. I’m looking forward to reading your future posts soon and apply it in my life. I am very positive that today you have given me the inspiration I needed to get closer to achieving my dreams. Thank you for you words and thank God for using you as his instrument. May you continue to bring and share wealth to others.
Hi Kenneth, I am very sure that your story of how you got rich will take on a new and more meaningful journey. Lots more to come! Please do help me share my purpose to all your friends and followers as well.
ikaw na ang in love boss mark! ^_^
teach us more for free!
Yes, Eric, definitely a lot more to come for free. Stay tuned and complete your assignments. The next article comes out soon!
i can truly relate mark, save that i am just about to make the uphill climb towards freedom from debt. i guess NOW is right about the time to do it. super thanks for this awesome blog, keep it up! =)
The pleasure is all mine Precius
a ver useful reminder on financial education….. sometimes we think in terms of gross income versus net income…. and that we really need to have a personal financial plan and goals….Looking forward to learning a lot from you and doing our assignments
Glad to hear from you Patty. I likewise look forward to teaching you a lot more very, very soon.
thank you for generously sharing your views/tips. discipline is indeed very important in effectively handling finances.
hoping to read more interesting posts from you…
Very welcome Tet. Pleasure is mine. Come back often and tell your friends to come and visit my blog as well. Talk soon!
Hi, Mark… do you have seminars on Money Management?
Thanks for sharing your stories and imparting your wisdom on business matters.
May your tribe increase!
Myyers
“Behind every great man is a woman.”
Hi Myyers, yes, coming soon as part of the ongoing lesson in Making Money Run After You. Stay tuned for that. In the mean time do share this and my other articles with all your friends. Like me, I’m sure they will also appreciate it.
Great advise Mark! We need mentors in money management. Our mentors are those who knows better us and already walking the talk.
Yes, you will find the next articles in the series quite interesting. Hope to see you then!
Hi Everyone! Part 2 of Making Momey Run after you wil be published in Manila Bulletin this Sunday already, Aug 14, 2011. FYI
Nice blog Mark. You really inspired me with this article of yours. I guess I really need to save and manage my financials in order to be successful. It’s hard, but I’m going to try it.
Thank you for your wonderful advice.
Thanks Brian. Success starts when you try. Success is achieved when you don’t quit.
Who else can help if the husband or wife is not willing? Will I be able to do it alone?
Hi Glo, find your support system if your spouse is not willing, it can be your sister/brother/children, a close friend, someone who is knowledgeable with money and you can trust. Of course, you have us and this site to help you out. The Wealthflow Project is here to help you turn your life around. Best!
Hi Mark,
Thank you for this great article, ill try my best to follow theses advice, it may seem hard at first but i know with hard work and perseverance, and with my husbands help we can work this out.
Excellent Jan! You and your husband can do it!
God is Great!!! hi mark, thanks for a nice blog and advice. I am just resigned recently i am a seafarer by profession but i am not happy and fulfilled on the job, i am longing to follow my heart’s desire and passion.For almost 4 months of stay and still keep on looking for oppurtunities that i could pursue my passion on writing.I don’t want to go back on seafaring I know that God has a better plan for me and i admire all of the filipinos who become an instrument for transformation. sir mark please do help me to help my self to be financially blessed and to fulfill my dream as a little pen of God that inspire others and give Glory to him.Best wishes i am willing to hand in hand to support your ministry to reach the grass root filipinos who needs most your help and advice.All praises and Glory to our Great God!
Thanks Richard, welcome to the project. Wealth IS about pursuing your passion. You will see that as my articles come out
Great article it was like you were talking about my present situation, before I met my wife I was just spending without a care in the world, now she is slowly weaning me off that bad habit.
Your article has just reinforced my resolve and committment to manage my finances better (and to listen to my wife) especially as I’m about to start my own business. Thanks Mark.
Glad to help. Men who listen to their wives will reap the full benefit of their financial wisdom. Great job!
Dear Sir Mark, thanks again for this inspiring article. I admire you for your natural gift in money making and I hope I can learn from it too. I started a small business before but it never lasted. I tried building another one but I failed again. I want to build another one again but this time, I can’t seem to start. Maybe because of my failures in the past that I’ve developed the fear that prevents me from acquiring true wealth.
Stumbling through your site and reading through your articles really blesses me. I hope in time, through your great advices, motivation and encouragement, I can have the courage and confidence to get up again. Thank you Sir Mark!
Noel, just remember you can never fail if you never quit. Together, we can do this. I’d like to recommend that you read this article series if you haven’t done so yet to give you even more hope: Business and the Start of a Beautiful Relationship Part 1 It is the story of how I recovered from my first major business blunder. Do comment on that article series if it helps you in any way. I have more articles to have you read in case it does
Thank you for this great article! This gives me a lot of hope because I want to be a better husband and father to my young family.
Thank you Mark!
John
Very welcome John!
I totally agree with you. We must cultivate the habit of savings. We should not spend more than what we earn. We should only buy things that we need, not what we want. Use credit card with discipline. That I think is the secret of China.
The old belief is to save and to live below your means. Even though they have savings, the wealthy do not focus on saving, they focus on making their money “move”. The wealthy do not live below their means, they know how to use “leverage” to create even more wealth. Its not enough to save, it is not about living below your means, but it is about discipline that is for sure. I hope that you complete all the tasks in my assignments for you Josephine. You will see that the wealthflow project is a little different from what you are thinking of. Talk soon
I wish I could learned all the techniques you are sharing. I realized I still have time to save and make money. Thanks Mark.
Good realizations
hi mark,
thanks for this, heres my comment. In this article correct me if iam wrong, what we need is a mentor or partner that will assist me?
Yes. It would be easier if you had someone helping you, better if it is your spouse.
Hi ! Mark and Jhoanna, i have already read this article and made a comment last August 10, 2011.
thanks again for sharing your story of success from full of bad debt to zero bad debt and profitable
businesses. How many years did it take you from being broke to having profitable businesses and
having passive income ?
11 years
but that was because of lots of trial and errors. Hopefully with the Wealth Flow Project, we will shorten that for you and everyone else who are serious about makin money and wealth chase after them.
Hi,
I agree with what you have said. No matter how big you earn if you don’t know how to manage your funds you’ll be burried in debt.
Glad you agree Geraldine! I hope you signed up for the wealth plan and follow all the articles and assignments. There are a lot more insights for sure. Talk soon!
Truly inspiring. We’ve been to many business ventures but still having a hard time meeting both ends. Will try to do my assignments to learn how to do things right on money management. More power to you Mark & Jhoanna.
Thanks Eric.
Ouch! It hurts! Have to start saving money, even as little as P500 a month.
Please continue reading the articles in the wealth plan. It doesn’t have to be hard, it can actually be fun. Talk soon
Hello Mark,
Read this article and truly inspiring. Looking forward of the rest of your articles. I will follow you suggestion. I will ask help from my wife and will set up funds for our expenses and savings. It will be hard but its will be a start to something. …..
Excellent, I’m sure “P” is going to love helping you. Think of it as a fun family project. Great start Mars, keep it up
I have started doing this too (setting aside part of the income for future use). This way, I have started living according to what I can only afford at the present time.
Hi CJ, do continue reading money management simplified parts 1,2,&3 to be enlightened further. The wealthy do not live below their means, they know how to use leverage in creating wealth and enjoying their life. Although they have savings, they do not focus on savings, instead they know how to make their money “move”. Many more lessons to come CJ, talk soon.
That’s right Mark, it does not matter how much you earn, it’s how much you save and what you do with savings.
Thanks Rubs! Sorry for the late reply to this post, but better late than never!
Hi Mark, another wonderful article. Having come from the banking world before, I see people mishandle their funds on a daily basis not due to fraud by scammers but fraud committed by people to themselves by not managing their money well. And this is not limited to clients but also bankers themselves. You would think they would be the ambassadors of proper money management but you will be surprised. They must definitely discover wealth flow project, I’ll surely invite them over. Cheers!
Thanks Allan. Yes please do.
It`s a very inspirational story. How will I know what business will I start?
Aside from money management simplified part 3, you can also browse our business management articles. Best!
Hi Sir Mark, another awesome blog post. Yes, I agree with you on this one that the most important thing about money is how you manage it. Managing one’s finances can be quite hard for some but it is just a matter of discipline and changing one’s lifestyle. It became my habit that if I want something bad enough, I will look for ways and other means on how I can afford it but never to resort into debt. However, debt is not at all bad. There is good debt and bad debt. Good debt is always a resort for me but never bad debts. Thank you and more powers.
Justin
Please read money management simplified parts 1, 2 and 3 as well. Best
Ooops…I got lost trying to read as much of your articles as I could. I guess I tried to read too much too fast. I remember last night I was already reading about Money Leeches and I had already scanned my handwritten pledge to get rid of them…anyway, I’m back Mark and on the way to the next article.
No worries.
Hi Mr. Mark, this is a very good article with great advice on money management.
Thanks Paul!
Hi Mark! Congratulations for having a wife like Jhoanna who teach you and help you create money management system. But I truly admire you for at a very young age of 5 you already knew how to make money.
Its in the blood
Mark, I never had entrepreneurial inclinations when i was young, so it was a challenge for me to alter my mindset when it comes to money management. That’s is why i find this article helpful to change the way i handle the flow of money that passes through my life. i hope i find someone to help me discipline myself and give me “tough love” to make it easier. congratulations!!!
You will Rafson, you will.
yes, your anecdote is correct, even when were just kids we had somehow devised creative ways to earn ..this is our stepping stone into business.. . may we find the inner child in us and be not afraid to be creative and take risks in finding new (bsns) ventures… we still dnt know yet the meaning of ” nakakahiya”, “napahiya” and masabihang “mukhang pera”.. all we know is that it (selling) is just a game we enjoy to play
Thanks Tes!
Although entrepreneurship is not in my blood, I hope I can teach my daughter the kind of entrepreneurial spirit you have as a kid…and be one too eventually (well, I really hope so).
I hope so too Jing! Let me know if we can help you any further on that. Best!
Mark,
I just wished i read these articles a few years back when i was earning more. Looking back, i cared less when it comes to managing my financial life. What I have achieved so far, after i got interested reading about personal finance and related topics (just like your articles), is to have a disciplined financial lifestyle. Thank you.
Better late than never Uly. Discipline is needed indeed, but there are ways to make building discipline fun. Please do continue reading the articles in the Wealth Plan when you signed up. We have some lessons on that as well.
This is so true! I’m a college student… and I constantly fail to manage my money! I’ve been notoriously blowing holes on my pocket! I learned how to track where my every peso goes and cut back unnecessary expenses which are not within my budget (turns out my unnecessary expenses were from eating too much. Thanks for writing this article!
Your very welcome Janine, please continue reading especially the money management simplified article series. I believe it will really help you. Good luck and talk soon!
hi sir mark,
wow, truely amazing blog, really inspiring… i am happy to say that i also have a Jhoanna well her name is Jennilen actually and she is my inspiration to pursue my dream of becoming a businessman. she opened my eyes to the entrepreneural world and also made me realize of my habit of spending too much on useless stuffs, thank you sir mark. hoping for more of your advises sir for a newbie like me in the business world
Thanks Alvin. If you haven’t done so please sign up for the wealth plan so that you can maximize the site. Best
hi sir mark,
truely amazing blog, really inspiring… i am happy to say that i also have a Jhoanna well her name is Jennilen actually and she is my inspiration to pursue my dream of becoming a businessman. she opened my eyes to the entrepreneural world and also made me realize of my habit of spending too much on useless stuffs, thank you sir mark. hoping for more of your advises sir for a newbie like me in the business world
Hello Sir Mark, this will truly help me with the way I will manage my money. I’m looking forward to reading more of your articles. Nice love story! ♥
Thanks Rhea, if you signed up for the wealth plan, you will. Best!
hi Mark,
I and my wife are public school teacher but still our income is not enough because we still have “Utang” until now. Maybe we lack money management. I will your idea about money management as soon as possible to get out of debt. I will look forward your next article. Thank you and more power.
Please continue reading the next articles and hopefully you get even more clarity soon. Best!
Hi Howell, please also read “How To Make Money Run After You Part 7″ I believe it might be able to help you.
You have a point! I love this article and I will share this to my partner.
Thanks and yes, please do so Joyce
My wife Joy is the one gifted with managing our finances. I thank God for her. Whatever I earn, I give it to her as a one-fund pool where she budgets – some for bank savings, some for expenses, and some for investments we jointly decide on.
Hi Delfin, you are wise to trust your wife, great job!
Absolutely right!!
I have been doing this since I got my first job, I held back most of the time when I am about to spend especially with big amount.I do not normally use my credit card too, it makes me sleepless.
Thanks.
Glad to hear that Salvador. I hope however that you still enjoy your wealth and not just sacrifice for the sake of being frugal
business man since young..haha i learned a lot here..:)
Keep reading, keep learning, and if this article has helped you in some way, keep sharing with all yoir friends.
Best!
i liked your story mark.
Glad to hear that Joey
sir Mark, your story is so inspiring.. now i’ve seen myself being careless in spending my hard earned salary.. only saving a little portion of it.. i found your article very enlightening.. thanks!
Glad to help Mario
i’ve been working abroad for 13 years now but don’t have much savings due to careless spending.. that’s why im still working here up to now.. i hope that your program will make me wiser in handling money.. God bless you po at nawa po ay marami pa kayong matutulongang kababayan natin..
as long as you commit to improving yourself Mario, we will always be glad to help.
good afternoon sir,
thanks for the opportunity to read your articles, what then should do if a man never meets a woman like yours? lol
Do your best Leo, and God will do the rest!
nice one sir mark. i hope to find my partner in terms of financial and wishing that this will be my future wife like your story. more power and god bless.
I wish you the same kind of success that I have, may you find her, marry her, and be happy for the rest of your days JP
Wow that’s so inspiring huh.! nakaka inspire s’ya kasi even when you were young, nagawa mo na palang maging businessman hehe. nasa linya nyo na po talaga yan
but I learned from it somehow. Thanks! ^_^
Thanks Jemuen. Remember it is never too late to discover who you really are. May your inspiration lead you to better things sooner rather than later.
i remember when i was in elementary and highschool. i used to sell chocolates and candies to my classmates too hehe.. this scenario inspire me.
Remembering childhood memories is not just fun but pretty refreshing especially when trying to get better in business and in life. Thanks for posting this Marichu. Come back often, more articles are being uploaded.
Thank you Mark! For another very inspiring story. I am a retired employee and have enrolled in Fashion Design (which is one of my dreams). I am interested in pursuing this career and eventually venturing into a business. I hope I can be just like you and Jhoanna. Thanks a lot again! Happy holidays! God bless….
May you pursue your passion, be the best at it, and live the life you always deserved Gigi.
Hi Sir Mark, we have the same childhood experience I’ve been a businesswoman at a very young age ahmm as far as I could recall i’ve been selling candies and toys when I was in grade school (grade 2)and it continous til I get in college but that was just a part time job that I used to do in summer and christmas vacation.. It really give joy in my little young heart whenever my small business venture grew big and profit much…
Pero ngayon I feel sad kc parang kulang yun salary ko start a business but im starting to save pra mkapag put khit a little business muna…
Thanks for the article…I like it… God bless!
Hi Jen, please read my article on how to start a business with Zero Capital. Go to free articles, business management and you should see the article there. Best!
Dear Mark, you are very fortunate that you married a very good wife who makes you want to be a better man. That she is a wonderful helpmeet or partner. Wish I got a better one who would help me up, not down. Bring out the best in me, not the worst. Anyway, I want to continue to read and learn and do. More power to you.
Marriage, like life needs to be worked on TJ. I know that you will be able to work it out. Good luck.
So true! Its not how much money you make but rather how you utilize it. Easier said than done though. But striving to get there. Current status: income</=expenses. Finding ways to lessen expenses and have more for my savings. Your articles inspire me that I'm on the right mindset and that it can be achieved. Thanks!
Thanks She
your article is so inspiring. It is true that the role of the wife is very important when it comes to money matters. Life of the family really depends on how wife and husband manage the financial aspects
Yes, I agree wholeheartedly Lolly
Hi, MArk
It is always said that what matters is not the money we are earning but the money we save. Indeed, we tend to spend more as we earn more such that in the end, we are left with nothing. While I truly know this, why can’t I practice it? I hope with your help, I can find the answer.
God bless!
First comes awareness, next comes a decision to improve, and last comes RESOLVE to really improve. Yes, together, we can do this Don!
very interesting topic. My son age 19, and daughters age 13, 16,and 17 begun selling any items last 2o1o. Now , they understand more that business is not only for old people. Now that they are earning, they became more responsible. They believe more when they read your article. thank you.
Wow! I am very happy to hear that Lolly! Please do continue to update us on the progress of your children. Now that is truly inspiring.
hi sir mark,
honestly sir, i was really inspired by your story!!!
there’s a saying that, “BEHIND A MAN’S SUCCESS IS A WOMAN!!!”
thanks to mam jhoanna for making you a better man!!!
I WANT TO BE A BETTER MAN ALSO!!!
hope you could help me regarding this matter!!!
again, thanks sir!!!
I REALLY ENJOYED READING YOUR ARTICLE & I’VE LEARNED A LOT!!!
KEEP UP THE GOOD WORK SIR!!!!
take care!!!
MORE POWER!!!
GOD BLESS!!!
respectfully yours,
PROF.ERNIE “BHONG” RADIN, MBA
LIVE LIFE WITH VICTORY!!!
Thanks Bhong. Yes, thank you Jhoanna. It is because of you that I continue to strive to be a better man!
Hi MArk! Great deal of thanks for all those inspiring words. I am in real deep debt right now, that I am evern afraid to tackle how deep it is. With your column in the newspaper and this site of yours (i got from one of your write ups in Mla. Bulletin), I felt the urge to charge , I believe there is no other way to begin except to step out from denial and tag yourself on the reality of “how much” debt you really have. Hopefully, I will be able to go back here and share the good news that I am debt free. Again thank for the effort… it is not easy to be in my position, but knowing that there are people who have the same predicament as mine and learning that they are able to make it, serves me well. You will never lose me in this site.. God bless and more power.
Hello Ira, sorry for not responding sooner. I know how it feels and believe me when I say, you can do it. First comes awareness, then comes a decision to improve and then comes RESOLVE to really improve. You can do this and we will be here whenever you need more advice. All the best to you Ira!
A supportive partner is definitely a non-substitutable ingredient to achieving successes, but than comes the other factors or variables that need to be considered as parts of the whole equation such as;
>if business DNA is not exactly hard wired in one’s genetic make-up? (eg. The environment in working in companies differs greatly from going solo flight)
>there is very little room for errors. Thus, hesitation sets in our minds!!!
Thanks Mark, I hope to learn more as I read on.
Hi Andy, agree, please read “How to make money run after you part 11″ where I talk about the wealth flow blueprint and that wealth does not necessarily have to come from just business. A great corporate career is also one of them. Never change who you are, instead feed it what it needs to be GREAT!
I love the efforts you have put in this, thank you for all the great blog posts.
saving should be taught as early as kids, the concept of setting aside 10-20% from what we make to pay ourselves first should be done religiously.thanx again mark!
Welcome Don!
Hi Sir Mark. I am cielo. I am sorry for those unreadable letters i posted. I was just trying if it can be posted since i tried it a while ago but my internet connection just run down. I was reading your articles out here and cant wait to read what follows.
More power!
No worries Cielo. Keep reading
I like this web site very much, Its a really nice berth to read and get info. “Dead battles, like dead generals, hold the military mind in their dead grip.” by Barbara Tuchman.
i love this! im gonna find my own mark ^_^
i love this! im gonna find my own joanna ^_^
you are lucky to have someone like joanna!
Yes, I am.
Yes, and make it a priority. *seriously*
Okay! May you find her immediately then! Seriously.
Dear Mark,
Your childhood rackets also reminded me of how my brothers and I took santol from our backyard tree and tried to sell them at our gate. When our mother saw us, she asked us to just give them away to our neighbors. So that ended our great future in the fruit-selling business! Haha! Of course she just wanted to teach us to be charitable. Later on in life, she supported whatever endeavors we set out to do.
Thanks again- your article reminds me to hold on to whatever ideas I have for potential businesses.
MDL
Thank you as well Rita, may your ideas come to life and may you enjoy the joirney in finding it.
I agree 100% – no matter how big you earn, if you don’t know how to manage your finances, you will be broke in the end.
Great summary Marlene!
It is not my first time to pay a visit this web site, i am visiting this web page dailly and take good information from here every day.
Your advice “All of your success in making money will mean nothing if you do not know how to manage your money properly.” makes a lot of sense. Actually, an eye-opener to me.
You’re God-sent!
Thanks again Marinel! Always a pleasure to have appreciative people like you
I don’t usually post on blogs but had to on yours. You have a very easy to read writing style. I really enjoy posts about this topic, they give me a lot to reflect on. I don’t have time to read everything right now, I found this site when looking for something else on Yahoo, but I’ve bookmarked your homepage and will check back soon to see the latest thoughts.
I am here in the Philippines for The Church of Jesus Christ of Latter-day Saints. I work in our Employment Resource Center in Cebu helping mostly young adults learn job hunting skills and career planning. I also teach American Accent Training. I am going to use your articles in our class and recommend your website to my students. Great stories and great principles to learn–the sooner the better. Thank you for posting them and making them available at no charge.
Hello Marnae, we are glad to help, especially in helping educate the youth. Come back often and share with as many as you can.
Mark,
My financial goal is to be debt free and to do it fast…
Hi Mark, It’s a good thing that I read your article at Manila Bulletin that’s why I reached your site. I think that you were born an entrepreneur. I hope you could help me on how to invest my little savings that I have. thank you.
Thanks Aidan. Hope so too.
Agree. There are two parts in wealth management: earning and spending. Am I getting it right?
Wow! I can relate. I too was an entrepreneur when I was a kid. I’d do the same things you did. Buying and selling “junk food” and selling them to my classmates. And like you when I graduated and got a job I started having money problems because of my credit card. Our only difference was I didn’t have a partner who helped me. I had to sit down and figure out how I can cancel out my credit card debts. I remembered my mother’s envelope system and something I read from another wealth management book. I mixed those two systems and after a couple of years of belt tightening and agonizing self control, I managed to pay off my credit cards. Then I decided to just keep one credit card for purely emergency purposes or as supplement for buying big items (i.e. furniture etc) if I don’t have the cash to buy them.
This article is like a stroll down memory lane for me. It’s true…”tough love” is what most people need, either coming from a loved one or in some cases, tough love on yourself. Now…I’m excited to see what I can do to grow my money exponentially. I’m reading on….
Always good to look back at your struggles and know that you have overcome them. Keep at it James!
now i believed, experience is the best teacher and GOd is making the way for all of us. your wife is your guardian angel that was sent by the Father
Amen Aldwin
Good day sir Mark..
Just read your article re the best advice you can give me re money, I’ll have to agree a hundred percentwith your advice. But sometimes having the discipline to manage our finances is one of the hardest lesson to learn & adapt. Hopefully. Iwould be able to discipline myself ,with your help, to accomplish financial freedom. Thanks
If there is a will, there is a way Michael. Looking forward to hearing about your progress Michael
Wow thank you for your inspiring article! I remember when I was also a grader when I used to bring a box of candies and some school supplies to sell to my classmates.Just like you I was in business at an early age and still I am.I know your financial management techniques will help me become a better entrepreneur.Thank you again.
It will, just keep at it.
this is great, hving your one and only guide and help you to make you succeed, wish i could say it so myself..
Hello there,
Your site is very interesting. I’ll try to read all the articles here in just one sitting. I can’t wait to read the next one.
Jeffrey
Glad to hear that.
I strongly believe of what this article is all about.
Glad to hear that
You are so blessed with a very smart wife! I am inspired by your success story.I hope it is not too late for me to build my wealth.Thank you for your advice Mark.God bless you!
Never too late Nelly. Thanks
Super! it is a very very good advice. i will talk to my wife regarding this, i know she’s good in handling money. God is so good in your life sir Mark. keep on…
Thank you.
Welcome
I am going to start saving in the bank.
what a sweet thought for a woman to teach her husband with that kind of discipline.. i hope i too can persuade my husband to have that kind of responsibility on managing finances
I wish you the best Anna, and if it is worth anything, I believe you can.
Thank you for teaching us your experience.
Always a pleasure Susan