Most people are guilty of this

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If you want a good life someday, chances are you have to suffer today.

This might not be the best thing to hear but it’s a fact. You cannot expect to achieve that dream body, dream house, early retirement, or anything you desire if you don’t give up something today — it’s probably going to be your sleep and your time.

Know the difference between what you deserve versus made-up reasons

I used to have this habit of trying to save a lot and then spending all my savings on just one big purchase. My reason? I I worked hard…

And what you should do instead.

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I used to measure my productivity based on how much I accomplished throughout the day. I would make a daily schedule and feel most productive when I’m able to stick with it. However, I get upset when something gets in the way of following my plans for the day. This happens more often than I expect to. Today, I no longer create one. Here’s how I still get things done:

Focus on Quadrant II activities

According to Stephen R. Corvey’s book 7 Habits of Highly Effective People, there are four Quadrants on how we spend our time.

Quadrant I — Necessity (Urgent and Important)

  • Going…

Habits are the compound interest of self-improvement. If you can get one percent better each day for one year, you’ll end up thirty-seven times better by the time you’re done.

— James Clear

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Building a system that works for me

It’s easy to decide to make better habits but hard to start doing them. That has been my problem for a very long time. I wanted to achieve so many things by being productive every day yet I always get disappointed when I don’t meet my expectations.

I realized that I don’t have to burn myself out in building healthy habits, especially if I am only starting…

The best purchases ever!

I went from shopping for clothes, bags and shoes to buying things that can help me earn money.

It’s not your salary that makes you rich, it’s your spending habits. — Charles A. Jaffe

Investing in the Stock Market

I wanted to buy a new Apple device, but I used the money to buy Apple shares instead.

I wanted a new camera, but I purchased more technology stocks instead.

I wanted to book a vacation, but it was a pandemic so I got stocks of travel services instead.

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It’s easy to become a consumer, but every time I have the urge to buy something, I…

Don’t wait another day. It requires minimal effort.

Photo by: Author
Photo by: Author
Photo by: Author

1. Wake Up On Time

A lot of successful people wake up at five in the morning and have accomplished so much by the time an average person wakes up. The good news is, you don’t necessarily have to do this. What you need to do instead is to plan your day and wake up on time.

Waking up later than expected will ruin your plans for the day. When you wake up on time, you get in a better mood. Forget about snoozing your alarm clock, too. That extra five minutes of sleep can’t give you the energy you need for the day.


I regret not utilizing this tool earlier.

“Compound interest is such a powerful tool that Albert Einstein once called it the most important invention in all of human history” — Tony Robbins

Let your money grow by compounding

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When it comes to the world of investing, compound interest can be your best friend. You don’t have to be rich to be an investor. You invest to be rich. No matter how little an amount is, if invested properly, it can help you reach your financial goals sooner than you think. …

Things I wish I learned in school

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There are mistakes in life I wish I didn’t have to encounter. I hope my professor in school taught them, or that I learned them in books. But it’s all part of being an adult.

And if you’re an adult, you would know what I’m talking about.

There’s no one to rely on but yourself

I grew up to be an independent person. At least that’s what I believed. I didn’t want to rely on somebody else and always wanted to do things on my own. As I got older, I realized there’s more to being independent than doing things on your own.

You don’t really know how…

It’s a financial opportunity that can change your life

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The year started with wildfires, earthquakes, volcanic eruptions, and now the Coronavirus pandemic.

You may think everything in the world is going wrong right now.

But guess what? 2020 could be the year you’ve been waiting for.


Because it’s an opportunity of a lifetime.

Still not convinced?

It’s a good time to invest in stocks

If things get worse, this can be one of the toughest times in economic history. Yet, financial opportunities are everywhere. Stock prices are plummeting and there’s no better time to buy than now.

A lot of successful investors think of a recession as a financial opportunity. …

Sometimes, it takes more than just your comfort food.

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Your remedy to sadness may be different from mine. You can eat a slice of cake or devour a bucket of your favorite ice cream and feel better. That might work for me too. But I can wake up the next day feeling the same kind of loneliness I felt before, except this time I would feel like a fatty.

The endorphins released from a good exercise may also improve your mood. Yet, there are times when you need to find other ways to sustain your sense of purpose in life.

Have something to look forward to.

I’m the type of person who feels a little…

The secrets to finding the perfect job.

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Seven years ago when I graduated, I wanted nothing but to get a job and practice what I learned in school. I felt glad to finally step into the real world and “start living”. Be that as it may, the journey was not easy for me. I kept changing jobs until these three things saved my life:

Changing my perspective

After getting hired on my first job, I felt like the happiest person on Earth. I didn’t care how much my salary was, all I knew was that I’m about to start building a career. I worked hard and thought I’ll make my…

Marichelle E. Urquico

Part-time writer and a full-time learner.

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