Raymond B. Barberan

Is it possible to SAVE and ENJOY your money at the same time?

Most people (especially the young ones) delay saving because they want to spend it all and feel instant gratification. But let me tell you this, there are ways to save for your future while still having a portion for guiltless spending.

READ: http://www.randelltiongson.com/save-enjoy-money-time/

𝗦𝘁𝘂𝗱𝘆 𝘀𝗵𝗼𝘄𝘀 𝘁𝗵𝗮𝘁 𝘂𝗽 𝘁𝗼 𝟯𝟮% 𝗼𝗳 𝗮𝗱𝘂𝗹𝘁𝘀 𝗯𝗲𝘁𝘄𝗲𝗲𝗻 𝘁𝗵𝗲 𝗮𝗴𝗲𝘀 𝗼𝗳 𝟭𝟴 𝗮𝗻𝗱 𝟮𝟵 𝗵𝗮𝘃𝗲 𝗻𝗼𝘁 𝘆𝗲𝘁 𝘀𝘁𝗮𝗿𝘁𝗲𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗳𝗼𝗿 𝘁𝗵𝗲𝗶𝗿 𝗴𝗼𝗹𝗱𝗲𝗻 𝘆𝗲𝗮𝗿𝘀.

The question is: Are you one of those?

When you're in your twenties, retirement seems so far away that it doesn't seem real. In fact, it's one of the most common reasons people give for not saving for retirement. If this describes you, consider your savings to be a form of wealth accumulation.

As a general rule, financial experts recommend allocating half of your take-home pay to necessities such as housing, transportation, food, insurance, and childcare. Around 30% of your income should go toward "fun," with the remaining 20% going toward savings for your future self.

Anyone approaching retirement age will tell you that the years fly by, and saving for retirement becomes more difficult if you don't start early. You'll also most likely acquire additional expenses that you didn't have before, such as a mortgage and a family.

You may not make a lot of money in your early career, but you have one advantage over richer, older people: time. Saving for retirement becomes a much more pleasant—and exciting—prospect when you have time on your side.

Discipline!

You'll start to lose "friends" along the way on your path to success. Those so-called "friends" are people who may or may not believe in your vision, but it doesn't matter if they support you or not, as long as you're focused and determined enough to chase your dreams.

Don't be too affected by what other people say about what you do. Take their criticisms as motivation for you to keep going in your pursuit of success.

𝗗𝗼 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹𝗶𝘇𝗲𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗮𝗱𝘃𝗶𝗰𝗲? 𝗠𝗲𝘀𝘀𝗮𝗴𝗲 𝗺𝗲 𝗳𝗼𝗿 𝗼𝗻𝗲-𝗼𝗻-𝗼𝗻𝗲 𝗰𝗼𝗮𝗰𝗵𝗶𝗻𝗴! 😊





www.cardinalbuoy.com

Being a seaman is similar to staring at a beautiful wave. You want to get your hands on it, feel it, and experience it. However, once you're there, you'll realize how dangerous and life-threatening it is, but you must continue to ride the wave for your family to survive.

𝗦𝗮 𝗺𝗴𝗮 𝗺𝗮𝗴𝗶𝗴𝗶𝘁𝗶𝗻𝗴 𝗮𝘁 𝗱𝗮𝗸𝗶𝗹𝗮𝗻𝗴 𝗺𝗮𝗻𝗱𝗮𝗿𝗮𝗴𝗮𝘁, 𝗺𝗮𝗯𝘂𝗵𝗮𝘆 𝗸𝗮𝘆𝗼𝗻𝗴 𝗹𝗮𝗵𝗮𝘁!

Hangad namin sa Cardinal Buoy Financials na isang araw ay tuluyan na muli ninyong makasama ang inyong pamilya--for good.






www.cardinalbuoy.com

The true difference between those who are happy and have almost everything they want in life and those who are unhappy and constantly fail is simply the ability to keep trying no matter how difficult the situation is.

Keep trying! If your plan A fails, there are still plenty of letters in the alphabet.
Israelmore Ayivor said it best in his book 'Dream Big!: See Your Bigger Picture!': "Try again; you have millions of alternatives. Fill yourself with the bullets of hope and you will kill failure with one shot."

𝗗𝗼 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹𝗶𝘇𝗲𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗮𝗱𝘃𝗶𝗰𝗲? 𝗠𝗲𝘀𝘀𝗮𝗴𝗲 𝗺𝗲 𝗳𝗼𝗿 𝗼𝗻𝗲-𝗼𝗻-𝗼𝗻𝗲 𝗰𝗼𝗮𝗰𝗵𝗶𝗻𝗴! 😊





www.cardinalbuoy.com

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