For many, having a regular job can mean stability – that’s the case if you’re boss will not fire you,  your company will not shut down or your salary is more than enough to pay your monthly bills. Don’t leave your job, if it’s the career you really want, just add more  income sources such as part time jobs, sideline business or passive/active investments.

Avoid the Black Swan 

I learned the term Black Swan when I read My Maid Invests in the Stock Market by Bo Sanchez.  Parang kadikit ng “swan” na ito ay pagkakaroon ng iba’t ibang “basket” para sa iyong personal finance. Ang prinsipyong ito ay nagtuturo na unahan ang mga krisis sa buhay gaya ng pagkalugi sa negosyo at iba pang emergencies sa pamamagitan ng pag-i-invest sa iba’t ibang ventures.

Isa po sa napapansin ko kasi lalo na sa young professionals (kakaiwan ko lang sa corporate world at freelance ang peg ko ngayon) even yung minimum wage earners ay nagtyatyaga sa sahod nila then sobra-sobra at ‘di maampat ang paggastos. Napakadaling mabulag when you have money to spend, nagkakaproblema na lang kapag may biglang susulpot na emergency at magpatong-patong na ang mga problema.

Tama yung sinabi noon Mr. Randell Tiongson  sa Steps to Financial Peace summit, ang buhay ay may cycle hindi mo maiiwasan na gumastos at may pagkagastusan like illness, death, schooling, baptism, retirement and so on so forth.

Why you need to find options to grow your money?

Ang siste kasi sa salary ay naka-fix ito unless if you’re a sales person na nakakatanggap ng commission or tip gaya dun sa mga staff sa  fine dining restaurant. Kung iisipin,  kailangan mo laging magtipid especially if you’re paying for something, want something or like me na nagbibigay ng “entrega” sa magulang.

So yun,  even I had day time job noon I’m still looking for part time job or sideline business.  When I started doing it kasi,kahit sabihin natin na barya lang nababawasan talaga yung…

• thought na basta iwan mo ang trabaho kahit like mo ito kasi di ka happy sa sahod
• burn out na feeling mo lagi ka na lang nagso-short sa pera and need mo pa tumulong
• nagi-guilty kasi kailangan mong tumanggi sa pagpapautang ng pera 
• palaging umutang ng pera sa iyong kaibigan
• kaba na wala kang mahuhugot kung may gusto kang bilhin at dapat gastusin
• mawalan ng work
• mangarap ( negosyo, bagong gadget o mag-travel)

What are the available choices and which one is the best?

Marami kung sa marami na gusto ko pa rin matuklasan.  Ang magandang step to discover more  is to read more. Ako I’m an avid reader of Entrepreneur Magazine, Money Sense, Ready to Be Rich of Fritz Villafuerte, Truly Rich by Bo Sanchez, Business Tip By Victor Abrugar and other business and finance blogs.

Aside sa aking part time work and retailing businesses – ang latest discover ko nga po ay ang pagiging dealer ng Unified Product and Services (UPS) ng Global Pinoy Remittance and Services (GPRS).  Isinasabay ko ito sa aking mga online and offline gigs  since puwede naman and maganda yung services like bills payment, remittance, loading, ticketing and puwede ring may commission sa iyong mga referral. ( email me – hitokirihoshi@gmail.com if you’re interested).

Boom Boom Hotdog of Pampanga’s Best

Pero aside dito, ‘wag rin nating maliitin ang power ng direct selling (may kilala ako ito talaga ang pangsuporta sa kanyang anak) gaya ng insurance, beauty products at apparel; online selling (I sell occasionally ng second hand books especially sa OLX) at dealership/ distributor ( ngayon po ay nagtitinda rin ako ng mga products ng Pampanga’s Best).

Saan naman makakakita ng part time jobs? Well, boom na boom ang  Elance at oDesk pero siempre makakahanap pa rin kayo sa favorite site ng mga job hunters such as jobstreet,jobsdb,best job Philippines, JobsOpenings at iba pa.

Take note, may iba ring opportunities for bloggers to monetize their blogs like ads, affiliations, selling and direct ads.

So to calm a bit your financial woes better to find different enterprising endeavors – kahit maliliit for as long as  it can help and you really like to do.  Mabuhay!