START RIGHT! BUILD A STRONG FOUNDATION IN AN EARLY STAGE. (Disclaimer: The things I'm sharing now are from the books I've read and seminars I've attended. Just to clarify I am not an expert, I just want to share what I've learned. (NO HATE GUYS, JUST LOVE) FINANCE - management of a supply of money 1. TIME IS GOLD - SPEND IT WISELY. This stage in your life is the best time to start EDUCATING YOURSELF. Learn from your past mistakes and also learn from the people around you. Think of this: I know at this stage, andyan yung mga barkada na lagi nagaaya ng night out, labas dito, inom doon and kinabukasan pag may hangover mapapashit na lang tayo at sasabihing di na uulit. Hanggang sa maging cycle na,di na uulit pero ulit-ulit pa din and what will you gain in that cycle? Probably disease and also utang kung puro gimik na lang lagi. Think of all the time you could have spend trying to improve yourself. Remember in life you are either growing or dying. SO ST...
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