Ryanprovements

‼️How to "RAGEBAIT" Rich People 😆

The biggest total credit card due I've ever paid in a month...

As a provider, nakakalungkot pero nakakaproud at the same time.

Nakakalungkot kasi umabot kami sa ganitong amount.

Kasama na dito ang:
• Hospital bill installment
• Shopee / TikTok
• Groceries & Gas
• Car maintenance
• Grab / Foodpanda
• Gadgets
• At kung anu-ano pa. 😂

Pero nakakaproud din. Kasi dati...

Halos wala talaga kami.

Ngayon, kaya ko nang i-provide ang mga needs at pati na rin ang ilang wants ng pamilya ko.

Sabi nga nila...

Hindi ka mamomoblema sa kotse mo,
kung wala kang kotse.

Yes, I paid ₱188K in one month.

Pero para sa'kin,

Sign din 'to na kaya ko nang ibigay ang mga bagay na dati pinapangarap lang namin.

Personally...

Mas okay na sa'kin na mas konti ang savings,
basta comfortable ang pamilya ko.

Kaysa puro ipon... kahit kailangan na, ayaw pa ring bilhin.

Minsan kasi, nagiging dominant na ang pera kaysa sa purpose nito.

Kaya naa-amaze ako sa mga taong puro travel. Kahit wala silang sobrang laking ipon, but they enjoy their money and their time.

(Habang ako 24/7 nasa bahay kasi WFH. 😂)

Ang rule namin ay simple lang.

Hangga't pasok sa budget... Go.

Kapag hindi na, Adjust.
Kapag may blessings, Spend lang.
Kapag may sobra, esave sa MP2.

Pero kung gusto mo talagang makaipon nang sobrang laki...

Live like you're poor. (not just below your means.)

Don't buy a car.
Don't buy a house.
Don't travel.
Don't eat out.

Don't buy what makes life easier.
Just save your money...

..and inflation will take care of the rest.

Dati, sobrang lakas talaga naming mag-ipon.
Ngayon, hindi man ganoon kalaki ang savings namin...

Pero provided naman lahat.
Sa'kin, all goods na 'yon.

As long as wala kang kinuk*pal na ibang tao.

at ang pinaka importante...

Earn more, so you can provide more.
Adjust your income... Not your dreams. ❤️

baka Real Talk ang kailangan nyo, hindi Motivation. 😆

Kamusta na ang New Year's Resolution mo?

August na.

5 months to go na lang...

Gusto mo pumasok sa running era?
*Bumili ka na ng sapatos.

Gusto mo mag-gym?
*Magpa-member ka na.

Gusto mo mag-ipon?
*Magtipid ka na.

Gusto mo maging content creator?
*Mag-upload ka na!

Kung sinimulan mo 'yan noong January pa,
edi sana 7 months ka nang consistent ngayon.

Wala eh.

7 months ka nang puro kaka-cellphone. 😆

Ok, next month naman ulit...

Hard work with prayers always pays off. ❤️

Someday, darating din ang time na mapapatanong ka...

"Deserve ko ba 'to lahat?"

Kasi kahit ikaw,
hindi mo na maipaliwanag ang blessings sa buhay mo...
na dati hinihingi mo lang sa taas.

Mapapasalamat ka na lang sa sarili mo,
dahil hindi ka sumuko.

Kasi...

You kept grinding.
You kept providing.

Gaano man kataas ang pangarap mo,
may paraan 'yan.

Hindi madamot ang langit
sa taong lumalaban nang patas.

Sa pagdahan-dahan mong pagsolve ng mga problema mo,
hindi mo na mamamalayan na...

Dati,
pambayad lang ng upa ang pinoproblema mo.

Ngayon,
pangpa-renovate na ng sarili mong bahay.
(Good problem nga, sabi nila.)

It's not overnight success.

Basta ang alam ko lang...

Me and God talk every single day.

And maybe...

This is the time I've been praying for. ❤️

Ok lang maliit ang bahay...
Pero masaya ang pamilya mo, panalo ka na.

You don't need a bigger income.

Kung nabibili mo naman ang basic needs at ilang wants ninyo, all good na.

But if you can push for more, why not, diba?

But don't forget...

The bigger the dream,
the bigger the sacrifice.

Mas mahirap,
at mas marami kang kailangang gawin.

At the end of the day, the main goal is simple:

To have a peaceful and happy life.

Useless din ang 6-digit income mo
kung stress na stress ka naman sa buhay.

Sabi nga nila...

If you have a lot of money, you can consider yourself rich.

But not necessarily wealthy.

Kasi ang tunay na wealthy
ay may "time freedom" para makasama ang pamilya.

So, keep grinding, enough para makatakas ka sa kahirapan.

But don't dream so high
that you lose the life you're trying to build.

Ano gagawin ko dito? HAHA 😅 (repost)

If i-aactivate ko ‘to, magiging 7th credit card ko na.

Honestly, nagulat ako…
Hindi naman ako nag-apply kay EastWest, pero bigla na lang may dumating na credit card sa bahay with ₱210,000 credit limit.

Hindi ko pa sure kung may annual fee ito (EastWest Silver/Platinum), pero napa-realize ako…

Dati, sobrang hirap mag-apply ng credit card
Ngayon, sila na ang nagpapadala kahit walang request

May times pa na may tumatawag na bank:
“Sir, pre-approved kayo sa loan…”
Pero ngayon, ako na mismo ang nagre-reject 😅

Real talk:

Credit card is good —
kung marunong ka gumamit.

Hindi ‘yan extra pera.
Utang pa rin ‘yan.

Napansin ko lang…
Siguro gumanda na credit score namin dahil lagi kaming on time magbayad.

Kaya ngayon, ang bilis na ma-approve at mabigyan ng mataas na limit.

If balak mo mag credit card, eto advice ko:

Stop muna sa GCash / SPayLater
Sobrang taas ng interest

Mas okay pa rin ang bank credit cards
✔ Lower interest
✔ May legit na 0% installment
✔ Mas controlled mo

If nahihirapan ka makakuha ng credit card,
𝗨𝗻𝗶𝗼𝗻𝗕𝗮𝗻𝗸 𝗣𝗹𝗮𝘁𝗶𝗻𝘂𝗺
https://apply.cc-pl.unionbankph.com/PLCC/Verification?media=UBNOW-RJJ2OSP1&pcode=VP201&scode=DCMMUBOMRE

If you're struggling, read this. ✨

When I was 25, I had a mental breakdown.

Because ito yung time na na-realize ko...

"I just wasted more than 5 years of my life."
I kept grinding since I was 18, but still no success.

So ibig sabihin, if mafa-fail na naman ako for another 5 years...

30 na ako nun?
Edad lang ang tumanda sa'kin, but I'm still in the same situation.

Sabi nga nila,

Kung ano ka ngayon,
'yan ang ginawa mo 5 years ago.

Sa tingin mo, 5 years from now magiging successful ka na...
if you do the same f*cking thing?

My #1 problem talaga is procrastination.

Puro laro.
Puro entertainment.
Walang time mag-aral.

Pag may bagong opportunity, tina-try.
Pero pag tinamad o na-burnout...

Quit agad.

Laging nasa isip, yayaman ako.

But in reality...
Walang consistency.
Puro asa lang sa swerte.

So, I decided to change my life.

The first thing I did was this...

Kung ano ang pinakaunang opportunity na lumapit sa'kin,
'yun ang fofocusan ko for a whole year. No excuses.

Then, Affiliate Marketing came.

I earned my first $1 after 3 months.
(Wala pang TikTok Affiliate nito.)

(Dapat nag-quit na ako nito eh. Pero sabi ko nga, I need to work on this for a whole year.)

With consistency and some improvements...
I hit my first ₱1M total income before I turned 26.

(By creating YouTube blogs, getting sponsors, and writing website articles.)

I monetized my YouTube channel within 3 months.
And I monetized this page in just 3 weeks.

Doon ko na-realize...

One year of focus can possibly be your financial breakthrough in life.

Buti na lang talaga...

I made it work.
Hindi ako nag-quit.

I also tried being a VA.
(It took me 4 months before I got multiple clients after months of no success.)

Now, I'm in my 30s, doing AI Automation.

(I don't know how many months it will take... but I know I can make this work.)

Hindi ko sinasabi na...

Mag-affiliate marketing ka.
Mag-YouTube ka.
O mag-AI Automation ka.

What I want to tell you is...

DO SOME WORK.
FOCUS.

"Don't quit when you are tired. Stop when you are done."

And fix those bad habits.

Try mo... Isang araw tanungin mo ang sarili mo...

"What remarkably stupid things am I doing on a regular basis to absolutely screw up my life?"

Then start from there...

And go work for it. 😎

I hope this brings motivation and inspiration to those who need it.

Let's Go!!! 🔥🔥🔥

Sign na sumasakses ka na sa buhay...

Dati, delata araw-araw.
Ngayon, cravings mo na lang.🤭

Bibili ng cake, kahit walang birthday
kasi gusto mong mag meryenda lang.

Mag-grocery without looking at the price,
kasi trip mo lang magluto pag-uwi ng bahay. 😆

But always remember...
Stay humble. Live below your means.

At huwag kalimutang maghugas ng plato pagkatapos kumain.

#8 will be a business. 🥹 (Manifesting.)

I'm always grateful kung paano dahan-dahang natutupad yung mga plano namin sa buhay.

Sa grumaduate pa lang, sobrang swerte na.
Tapos earning a 6-digit income, bonus na.

We really prioritized becoming financially stable talaga before we get married and have our own family. Kaya kung napapansin niyo, first baby is #7 na. HAHA😅

Kahit may iba-iba tayong plano sa buhay.
Keep going lang. It's never too late. ❤️