Cashgopher

I have just installed Cashgopher but after installing it, I found these interesting article about cashgopher in this site. http://www.triond.com/users/tap0991 I suggest you read the said article first before installing because it made a lot of useful points about the program.

Here is the direct link to the article >> http://webupon.com/browsers/cashgopher-be-careful-and-consider-uninstalling/

Of PTC sites and Mylot.com

I just found out that Rich PTC is a scam. I should have known because most 1$ per click sites are usually like that. Despite that, I have found a site that actually pays. It is a paid to post site. You need to respond to different discussions to earn money. However it is not a get rich site, so don't expect that in a months time, you'll have hundreds of dollars in your pocket. Their minimum payment every month is 10 dollars. it is like a social networking site where you can voice out your opinions so even without the money. It is a pretty fun site. You can join by clicking here:



Because of mylot, I also learned about this PTC site, Neobux.. I hope I'd be more succesful here than in RichPTC. There are so many reviews in mylot that says that this is truly a paying site so I think its pretty legitimate. :)

Click here if you want to join:


Good Luck on your money making ventures. :)

Paid to Click

I currently joined a Paid to Click website. I hope this works because I'm really new at this making money off the internet thing. Oh well, I'm crossing my fingers. :)

Lose Weight or Make Money???

I am currently trying to lose weight and at same time make some money but I am having a difficult time trying to do both because my goal is to exercise every morning using Hiphop abs and Les Mills before I go to work but I can't wake up early because I usually sleep late the night before because I am tending to my online shop. Does this mean I have to sacrifice one for the other? I really wish I can do both because who can resist a woman who is sexy and at the same time makes money.. hehehe. :)

Adsense Frustration

I’m really frustrated with Adsense because for over 3 months now I keep getting this error message.

Account Not Active

An AdSense account does not exist for this login, as your application is currently in review. Within a week of your application date, we'll review your application and follow-up with you via email. Once you are approved to join AdSense, you'll be able to log in to your account and get started.

I’ve read that the reason my application is still in review is because the blog is less than six months old. Can I email google about this?? Haaay, I really want to make money off this blog. Help!

GOAL!!!

“Vision without action is a dream. Action without vision is simply passing the time. Action with Vision is making a positive difference.”

-Joel Barker, Independent Scholar & Futurist

Almost all Personal Finance articles I’ve read say that the first step in achieving financial freedom is establishing realistic financial goals and plans. I’m a dreamer so this is a cinch for me! Haha. Let me rephrase that. I’m a doer because dreamers let the dream be just a dream while doers create a plan and does something to achieve the goal. Before envisioning my fiscal goals, I have to assess my present personal finances. Currently, I already achieved the following:

1. Set up my Emergency Fund. Six months of expenses already covered.
2. Bought a SunLife Balanced Fund. It’s a 70% Equity Fund and 30% Bond Fund. Sorry for all Kiyosaki Fans. I know Robert is not a fan of mutual funds but I admit that I’m just an amateur investor right now and this is the investment that I first knew about and understood. Robert Kiyosaki did advise us to stick to what we know and I’m sticking to what I know.
3. Invested in a cooperative. The Company that I work for has a cooperative run by employees and as part of paying myself first, I let the cooperative automatically deduct 20% from my salary every payday. I don’t withdraw this money at all.

On the whole, the main goal is to have more passive income than active income (Read Wealth within Your reach By Francisco Colayco to better understand Passive and Active Income) and as time passes by I want to live off my Passive income only and not work anymore. Haha!

So here are the financial goals I want to achieve this year 2009:

1. Earn money off this blog. I already enrolled in Adsense but it is not yet activated. However, once it is activated, I would really advise all those who read this blog to click on the Ads! :)
2. Invest In Stocks. Calling all Stock investors! Any Tips for a beginner like me??
3. Put Money in a high Interest Savings CD Actually, my boyfriend and I thought of this goal and we are currently saving from our salaries so we can put money in a Time Deposit earning 6% interest in a Rural Bank. I know 6% isn’t much but it is a start.
4. Invest in Treasury Bills/Bonds/Notes. This goal is somehow difficult for me not just because I have to put out P100,000-P200,000 immediately as an initial investment but also because I don’t fully understand how this really works.

This is basically it and I think all my goals are pretty clear and realistic. I just hope that I enact on them and achieve most of it by the end of the year. There may be a lot of hurdles to go through as I try to attain these goals but we all know that financial freedom does not happen overnight, it takes work and the quest for it, is a lifetime process. :)

Start Up

“Thousands of candles can be lit from a single candle, and the life of the candle will not be shortened. Happiness never decreases by being shared.”

- Hindu Prince Gautama Siddharta, the founder of Buddhism

Welcome to my first official blogpost. This blog is long overdue because I have always planned writing a blog but excuses got in the way like what would I write about, do I have time, am I a good enough writer to even start a blog.. Blah.Blah.Blah.Blah.. This time I’m keeping in mind a quote that I’ve read in www.themillionairesecrets.net which is “Desire will drive you toward your goals, while excuses pull you from your goals”. I chose to write about my journey to financial independence because a lot of young Filipinos like me are struggling with our jobs and making ends meet and most will agree with me that we are looking for an easier way to be at peace with our finances than what we are doing right now. As I go on in this journey, I hope I can learn from other people who are in this journey as well. Let us travel together and learn from our financial failures and celebrate each others’ money-making triumphs for money may not buy happiness but being at peace with it might. :)