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SIS, AKO BA FRIEND MO? KONTI NALANG AKO NA TO. I came from a poor family. Went to UP and survived due to STFAP (I was in bracket 2 then)My course is a pre-med but didn't even considered to take med kasi wala nga kmi pera. I HAVE TO WORK.I started teaching, nag sideline as tutor and dun ko nakilala ang nagbigay sa akin ng opportunity to enter a government office na ok ang pay and benefits (kasi medyo mataas na din entry position ko. And i was promoted na din...2 steps ang inakyat ko)Sent my two siblings to college - pareho na sila tapos and have good jobsTravelled abroad (including US) - officialTravelled to an Asian country with hubby and two kids, pasyal lang (ni sa panaginip di ko inasam to pero nagawa ko na)I have my own house...recently bought another one...maliit na house lang pero CASH (na pinapahulugan ko s brother ko kasi wala naman cya pang cash para mgkabahay naman cya)Have a simple car my insurances kami ni hubby, mutual funds, time deposits, savings acct in my kids name-in case bigla kmi mawala ni hubby eh di sila maghirap...dont want my kids maranasan hirap namin ni hubby nung mga bata pa kmi.All this from being an employee lang.My business na kmi ngaun...sideline lang. nagbabagsak kmi ng siomai sa mga offices. tpos my mga nagoorder din sa amin n binebenta din nila sa offices nila. kami mismo nagdedeliver every sat. My post na ako ng simai biz ko sa sideline etc dito s gt nung 2007 or 08 yata. Ginagamit naman namin ito para pantulong sa mga "less" fortunate n kamag anak s province.lahat ng yan from being employees lang talaga.maaga pa kmi ngpakasal ni hubby (23 ako cya 24). i got pregnant unexpectedly. walang wala talaga kmi nun. sa isang "free" hospital nga ako nagpapacheck-up nung 1st baby ko.ngsimula kmi n ang gamit eh de gaas n stove, isang kaldero, tig isa namin n pinggan at baso. nakagalitan nga kmi ng tita ko nun when she visited us wala kasi kmi extra pinggan...hubby has to eat sa lagayan ng mami noodles..hehe..pano daw pag my mga bisita. now kumpleto n kmi ng gamit. all of this sa pagtyatyaga...living below your means.wag maarte basta marangal ang ginagawa...i don't mind going to robinson's makipag meet sa buyer namin ng siomai carrying 10kilograms of siomai pag di pwde si hubby...or punta kbila bldg magdeliver siomai... sayang din kasi ang opportunity. madami ngbebenta n halos magmakaawa makabenta lang eh ako heto na dumarating nalang ang orders.do what you are good in for extra income 5yrs din ako nag tutor. nagstop nlng ako nung nag aaral n din 1st born ko...lalo n ngaun kasi 2 n sila tutor ko every night.SAVE. noon sabi nila grabe daw ako sa kakuriputan... ngaun di na ah... my iba na ko passive sources of income aside from our salary n sobra n sa amin kung tutuusin... Lesson: MAGTIPID MUNA PAG DI PA KAYA. Mas masarap na gumastos pag hindi n inutang lang o credit card ang winawaldas.PRAY and always thank the Lord for whatever blessings.