6 Steps to Help You Build Online Career at Home.

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We all have that life-changing event that diverts us from our current plan. Some people its marriage or an opportunity abroad. To others, they change their plans because of sudden death in the family or a life-changing disease, or just like most of us right now, its the Covid19 pandemic lockdown. But for me, its finally having a baby after eight years of married life.

Two months ago, I gave up the company I co-founded and started the journey to be a stay at home dad. This decision just became so timely since the COvid19 lockdown forced almost everyone to be at home. Today I get to stay at home, running my own e-commerce business while also having a part-time job online.


Today I’m going to share with you 6 steps to help you build your online career at home.

First, start with a personal inventory.

  1. List down your fixed expenses, payments, and needs. Listing your expenses will help you determine how much you should be earning.
  2. What are your resources at the moment? Do you have a laptop or a desktop computer? Do you have a good connection?
  3. List down your top 3 strengths. Ask your self this question: What value can I offer to my clients or customers?
    If you have experience in writing, you can prepare yourself to apply for writing-related jobs.
    If you have skills in Photoshop, video editing, or web design, then you can start to look for such jobs online. You must start your online career according to your skills and strengths so that you will be more confident.

Photo by William Iven on Unsplash

Second, make a plan. Are you going to work as a virtual assistant or a home-based call center agent? Or are you starting a home-based online business? Just remember that no matter how you start, you must start with the skills and the resources that you have.

Either you apply for an online job first while gradually building your online business or start your online business at once. While on the sideline, apply an online job that does not require too much of your time. Remember, your goal is to stay at home and spend more time with your family. It will be ironic that you’re at home, but you don’t have enough time for your family.


Photo by Callum T on Unsplash

Third, work your plan. If it’s a job you’re looking for, begin looking for jobs and send applications to as many agencies as you can. Then set up your work area and set your daily goals. It’s better to have a home office so that you will maintain your productivity at home. Never stop until you get your first goal. 

If you are planning to start a free lance work as your staging point to building online career at home, here are some link to help you start.

You can also do direct to these websites :https://www.upwork.com/, https://www.onlinejobs.ph, https://authenticjobs.com/.For teaching related jobs : https://bizmates.ph/, https://www.acadsoc.ph/ or https://www.51talk.ph/ or you can just google them and don stop until you find the job that you are looking for.

If its online business that your planning to start you can go to Youtube and search for business ideas or get some free Ecommerce , FBads trainings at //www.facebook.com/clickandgrowrichnow/ and https://digitalentrepinoy.com/blog/category/entrepreneurship/https:.


F0urth, you must set your monthly, quarterly and annual goals. Having goals will set your phasing as you progress and work your way up to your financial goals.

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Fifth, establish your vision. To help you write a vision for your self, “where will I be three years from now?”. Visualize your vision by writing them down and even printing the pictures of your ideal life that you are building while at home.

Lastly, find a mentor. This is optional, but I added this here because this worked for me. Your mentor can be someone you know that already has what you vision in the future and who is willing to teach you the basic steps. Or, You can get a mentor in the form of an accomplished online guru such as Robert Kiyosaki or follow John Pagulayan’s page. There are a lot of sources out there that you can follow and learn from. 

Whatever you do, and however you do it, I hope you succeed in building your income while staying at home. There will be a lot of challenges along the way, but as long as you don’t give up and consistently give your best, that day will come that your future self will thank you for making that step to succeed financially while being close to the very inspiration why you should succeed.










How to Manage Your Debt Effectively

How to control your debts

Are you one of those who can’t resist sales from big department stores during payday?

Have you tried convincing yourself that you don’t need a new bag, shoes or the latest cellphone model yet buy them anyway because they’re on sale?

Businesses have made shopping and payment easy and convenient to attract more clients and entice them to spend more.

 You are not alone.

Because companies are making it so easy and convenient to borrow money, most people are finding it hard to say no. Take for example when you scout for a car. Car dealers now offer very low down payments for a brand new car. For as low as P50, 000.00, you can bring home your dream car with a lot of freebies that go with it. Most importantly, you can pay for the balance with a car loan in their easy in-house financing scheme. Easy peasy, right?

Wait, how about that LV bag? It’s on 50% sale! Oh, this dress is so beautiful and it’s 20% off! And those shoes would pair nicely with this dress! Look, it’s buy 1 take 1 for that lipstick! Let me use my credit card. Ka-ching!!!

Before you even know what came over you, you have accumulated enough debts that go beyond your capacity to pay. Then the notice of payments and calls from the bank or credit company started coming in. What to do?

Good Debts and Bad Debts

If you find yourself in this situation, here’s the good news! Not all debts are bad and knowing the difference might just save you from being buried deeper into it. It will also help you plan your purchases in the future. So what is a good and bad debt?

Good debts are debts that have a potential return on your money. Simply put, you get something good out of it.  Educational loans and business loans are examples of this debt. 

Bad debts, on the other hand, include credit card debts and loans that have no potential return on your money. Examples of this debt are buying a new high-end gadget and borrowing money to finance your vacation.

Steps to Manage your Debts

Debt is the worst poverty.

Thomas Fuller

This is the most noteworthy description of debt. Most of us fall into debt and don’t know how to get out of it. Oftentimes, we found ourselves sinking into poverty because of the accumulated loans. Without any means to pay, we consequently resort to borrowing more and more.

If you don’t take action immediately, you may find yourself driven into bankruptcy and losing everything you value. Debt is often the reason why many families fall apart. But there are ways to get out of it. It will take a lot of discipline, self-control, as well as effort and time on your part but perseverance is the only way you can free yourself from debt. Here’s how:

1. Don’t get into more debts to pay off your current debts.

Tighten your belt and don’t spend more than you can make.

2. As much as possible, pay off your credit card debts in full and on time to avoid high interest.

The typical monthly interest rate of 3.5% on credit cards can add up to 42% in a year. Remember, interest rates are compounding. If your income does not increase with your spending, it can drain your money faster than you can earn it.

3. Always pay in cash.

By doing this, you control your spending and monitor your expenses better. Maintain one or two credit cards to be used strictly for emergencies.

4. Change your habit of spending to habit of saving.

Evaluate your lifestyle. Don’t spend your money on luxuries, instead spend it on necessities like food, insurance, and utilities. Priorities, people!

5. Make a list of all your debts and pay them off one at a time.

Pay the debt with a low balance but high interest first to eliminate it.

6. Change your mindset about money.

Stop believing that debt will solve all your money problems. It won’t.

7. Increase your cash flow.

Make use of your talents and skills to earn additional income.

8. Consider using your savings

Consider your savings and non-income generating assets to pay off your high-interest debts. Once you’re done paying, you can start saving again.

9. Use your bonuses to prepay your mortgages.

This will shorten the time that you will have to pay for them and eliminate your debts sooner.

10. Invest time in financial education.

Stop thinking that financial education is only for the wealthy. Most people fail because they lack knowledge of how money works.

Conclusion

 If you are born poor, it’s not your fault. But if you die poor, it’s your fault.

Bill Gates

Finally, you must remember that you are responsible for your future. Nobody can help you unless you help yourself. Debt can become an obstruction and can control your life. If you want to get out of debt, discipline and educate yourself. Learn how to make your money work for you. Many free courses on the internet will teach you how to invest in stocks. Debt is not the solution. Take action and control your debts or debts will control you.

5 Ways to be Prepared If You Become Jobless After Lockdown

The Lockdown has been executed to almost all nations around the world

Almost one-third of the world’s population is now under lockdown or quarantine. Billions of us are staying at home. And as business and factories are now closing because of the Covid19 Pandemic, the economic effects of this lockdown may be worst than the virus itself.

This economic standstill may force many businesses to do cost-cutting measures. Thus many may stay jobless once the lockdown is lifted. These economic adjustments may hit the food service or restaurant industries retails outlets, real estate, travel and tours and other businesses that require social gatherings such as meetings, etc.

This is why preparing for the worst-case scenario will be the best way to spend you’re your time while in quarantine.

Here are some top 5 ways to prepare yourself if you won’t get your job back after the lockdown.

1. Be mentally prepared. Come on, it’s as if this will be your first time to be jobless. You have been through the worst times. You know you can handle this. This is just another phase of your life. You got this, you just have to prepare yourself so that when unemployment hits you, you may already have a cash flow flowing or you’re on your way to your next new job.

2. Have an inventory of your skills. Look for the skills that can turn into profit like cooking, baking or some technical skills that you may have used before. If you know how to make homemade chorizo, this may be the best time to start.

3. Go online. Set up your LinkedIn account, Upwork, Freelance.com and Facebook Groups that offer assistance on home-based jobs or business work and start applying now. Look for virtual assistant jobs online, call center hiring. Who knows this may be the start of your virtual assistant career.

4. Take that step to become an entrepreneur. Start can connecting with friends who already have a business. Start asking for some advice or if they have some sort of referral or affiliate system that you can temporarily use just to start the cash flowing in. Or you can search online and learn a few things on how to start your online business. You can also look at the top 20 trends or best sellers online.

5. Grab the opportunity and take advantage of the growing demand for immune boosters or health supplements and position yourself to be the solutions provider for this demand.

That’s it, we must all be prepared

Almost everyone now is anxious about what’s going to happen next, so just take this quote from Vince Lombardi “preparedness is the ultimate confidence builder”. Let’s still hope for the best but again,  prepare for the worst.     

A Glimpse of What Life Will Be After Covid19 Pandemic

Right now you might also be thinking about what life will be like after the Covid19 pandemic. Just this afternoon a friend even posted on Facebook “is this the end?” I am almost certain that this is not yet the end of us but this may be the end of some habits and lifestyles.

Here are some predictions of what life will be like after the Covid19 pandemic:

1. End of the crowd.
Large gatherings like concerts, conventions, premiere nights, big church gatherings may be regulated and limited to a max of 500 people. This will also mean the decline of events in organizing business.

2. Cough joke as a crime may become a thing (maybe as serious as a bomb joke). Our government may become more serious in criminalizing old dirty habits like spitting in public, coughing or sneezing without covering one mouth may land you to jail.

3. End of cash. Money such as coins and paper may soon be perceived as dirty as in carriers of the virus. Soon all payments may become digital.

4. Going to restaurants, cafes and malls may become too risky for many people and even the government. This may be far fetched but what we’re experiencing right now is honestly a reality that we never expected to happen. This lockdown, social distancing, economic crash really shocked all of us. We never thought that the news far away in Wuhan China became the news right here in our doorsteps. Soon a simple sneeze or a cough inside close premises will scare people away. Food delivery will be the new normal dining experience. Eating at the restaurant may cause an extra charge.

5. Online grocery, online shopping may become the new normal for everyone. Soon even our titos and titas will be forced to adopt this shopping habit.
6. Prepper will become more popular and may become a practical habit not only limited to nerds who spends too much time on the internet.

Here are just 6 shortlists out of the many possibilities of what life may be like after the covid19 pandemic. So what now? I say it’s best to be prepared and stay ahead. One big lesson I think everyone will agree on is that nobody, not even Pres. Duterte or Vladimir Putin was prepared for this. How to prepare for the post Covid19 era? That’s another topic we have to deal with. But as of now, as an entrepreneur, my practical advice would always stay ahead.

Be ready for anything. Be positive and stay hopeful. But most of all be ready to grab the opportunity to be there as the solution provider of what life will be like after the pandemic.




Money Saving Tips for Moms Everywhere

Top 5 Money-Saving Tips for Stay At Home Moms

Money Saving tips are very important information for those who are stay at home moms like me.

I decided to resign from my 6-year corporate job as a customer service associate in one of the outsourcing companies in our city. Traffic jams, humid weather and long travel to work just made me want to stop and rest in a quiet place. My son is the top reason why I want to stay home. I want to be there during his important milestones.

Overwhelmed by my new role, things to do started to pile up. Day in and day out, my schedule was a mess. To lessen the struggle, I made a list of what to do every day. Stick to it and get some rest. It worked great for me.

Losing one income stream means less money to budget. Working on how to save money is next in my to do list. I turned to my journals and started listing the things I needed to prioritize. Google is the best site to check for insights from Mommas like me. Here are the top 5 that I found.


Money-Saving Tips for Moms Who Make a budget

Money Saving tips for moms

Image from http://pexels.com

I have browsed different sites and almost all of them put this as their first tip.

Stick to your budget – Plan the meals your family will have in the next few days. Stick to your list that includes main meal ingredients to movie night snacks. Focus on the list and don’t get tempted to buy extra stuff. 

Go to the store alone – This saves time and money. Believe me. Most mothers can relate. No need to get into details.

Don’t go with empty tummy – We are talking about saving. Let’s save a buck or two for food to go.

Grow Your Own

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 Oh, how I love to do this. Most importantly, this gives the best health benefits. Aging gracefully has something to do with a little physical activity outside added to your daily routine.

Improves family’s health – You enjoy better tasting nutritious food served on the table

Ensures food safety – You grow your fruits and veggies organically with no chemicals.

Best exercise – This is the best way to stay active and get outside for some fresh air.

Savings – Having a garden saves you a few dollars for groceries.

Embrace Minimalism

Money Saving tips for moms

Living this kind of lifestyle gives you peace of mind, space, time, clarity and freedom to focus on cultivating your true self and engage fully with your daily life.

Keep your possessions few – This makes a room for more important things.

Focus less on material things – These things create stress and you’re always scared of losing. Simplify your life and live with a calm, peaceful mind. 

 Don’t purchase extra stuff – Worst of all, this would just add up to your clutter

Pay In Cash

Money Saving tips for moms
Image from http://pexels.com

Believe me, this helps you mentally. This is very helpful especially that you have to keep that expenses low. Using a credit card might give you an illusion of a lot of money which is not yours.

Limited spending– You will only use what’s in your wallet, no more, no less.

No unnecessary fees – I meant the interest and the annual fees you pay to these credit card companies. They are not reasonable if you have other options.

Start A Side Hustle

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Well, I understand the feeling of no income and fully dependent on your husband’s wage. Having a side hustle assures me that if things go sideways, I have something extra in my pocket.

Learn and Earn -You learn a new skill. Earning is the second best.

Keep your mind active – Do a thing or two that are off your daily routine

 A little extra for yourself – A salon visit in two months to keep you, Momma, on track. 

With these tips, I am more equipped and ready to be a stay at home super mom. Progress and not perfection is my ultimate goal.

The best part is, I have a wonderful time with the kids and get to play with them.  It is always a wonderful feeling to be able to spend time with your family, take care of the house and earn at the same time.

To all mothers out there. We can do it!