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What does being broke mean? Does it mean being down to the last million peso? or down to the last 100,000 pesos or the last 1,000 pesos? There was a time, we only had 1,000 pesos in our savings/checking account way below the minimum bank requirement. We even had a negative balance due to a service fee charge for dropping below the minimum. Our saving grace was Lauren who had savings which we borrowed to keep us afloat. In the strictest sense of the word, our financial situation was not entirely hopeless. We were not bankrupt but we were not liquid either. Though we had other assets, it took time to convert them to cash. Though in the red, we didn’t incur credit card debts, renege on our mortagage or borrowed from the bank. These financial challenges a few years ago inspired me to be more responsive to income opportunities. I grew up in financially secure family because my father was hardworking with an astute sense of financial responsibility. We were blessed with a family bakery business and a father who invested his earnings wisely . Despite his illness,and unable to work since his stroke at the age of 55 years old, dad had enough money to last him till his death at age 71.

Not that my husband and I were financially incompetent. With a thriving law office , the financial future looked great. Butch brought in most of the income while I stayed at home and puttered on my hobbies. I felt like a queen being pampered by my King. In the past, I often turned down a lot of projects or refused commissions because I wanted the other party to benefit more than I did. I felt guilty over my earnings. Then the financial crisis hit us like a rock. Stress and hopelessness in our life drove us to be a bit more complacent. We lost focus on our financial affairs. Too bad my king faltered. I had to wake up from my queenly slumber and grab opportunities as they came before we went totally bankrupt.

The past certainly brought me lessons:

• It was okay to profit.
• It was alright to make an honest living.
• It was good to save up enough for a rainy day.
• I need not feel guilty if I earn.
• It’s great to offer quality services at affordable prices.
• It is wise to diversify sources of income.
• Set Goals.
• Do my best ,today, to take responsibility for my finances.
• Believe you deserve the best, financially.
• Believe God cares about your finances.
• Let go of your fear and TRUST.
• Let go of money and concentrate on Living.

So what does my entry “[tag]Cheap Travel Fares Online[/tag]” have to do with all these? I sound like one of those crazy spam words.

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