Why You Need Emergency Funds

Four years ago after getting out of college I had my first job in a billion dollar company "SM". I found myself working there as a customer service in an appliance center.

This article is not about the job but what I did about the earnings working in several companies and how you can learn from that mistake of mine. This is just about a simple money management.

About Me

Hi I'm Gen Punongbayan,

And here's my story...

When I was a little kid I love to draw almost anything, a house, cartoon character and everything I saw when growing up. My parents told me to take architect and in that age I don't have any idea what it was, they just told me that it was a person who design houses..

When I grew up I learned that you need to be good at math when you take that course, quickly my thoughts shifted because I'm not good at math. It was year 2004 and my high school days are over and still I don't have any particular course in mind.

What happen was I drifted to take Nursing, since it was in demand for job that time.

Like everyone else who wanted to finish their schooling, I initially took up Nursing and shifted to AB Psychology back 2006 because I love the subject and it resonate in me. By 2010 I graduated and boy I was happy because soon I can get a job and earn, I thought it was that simple.

After I met my classmate who are based on Manila. They showed me a different kind of business that can possibly change lives. I can't actually sleep at night thinking how can I get successful doing it. 

That led me doing so many things, I joined different businesses to try my chances but to no avail I failed. That started me writing blog since 2012. I love reading tons of personal development book specially related to finance, business and spiritual enlightenment such as Rich Dad Poor Dad, Think and Grow Rich. I also learned something from out of this world ideas from different author like Eckhart Tolle his book "Power of Now" and New Earth. Passionate about sharing handful of wisdom and learning. 

I don't read books when I was still in school but I definitely appreciated and doing reading when I started to gain awareness.

I also enjoys reading other writers blogs specially life success stories and finance. Also love watching motivational and inspirational videos local and international.

I did became a CEO or Crew Employed Owner in a food stand business selling burger, hotdogs and french fries. You know how it feel that holding a degree and doing this small business is quite tough specially if you have no skill set and mental toughness. You should have the passion for it.

Nowadays most people expectation and wants are career in employment. There's nothing wrong about it as long as you really love the job.

I still wanted to pursue entrepreneurship on the back of my mind. I learned that it's not easy to set up a business without any skill, passion and knowledge.

That's when I started investing in the Philippine Stock Exchange (PSE) way back 2012 while in the corporate world until today. I tried and lost more in Forex trading but he gained insight on how it works.

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I love risk and exploration in business.

I experienced some misfortune while in the corporate world early when I started. Been fired several time mostly I remember it was 3 times. Probably lack of experience in handling work environment and difficult people keeps me change job from time to time.

I'm a former call center agent in a  BPO (Business Process Outsourcing) Company from 2013 to 2014. Most of my schedule is on graveyard shift so that's why I literally awake at night working and typing from evening till sunshine. This is tough if you ask me. You can get sick.

During my job in call center I tried numbers of jobs, from being an insurance agent, work out a part time network marketing business to starting up a traditional lampshade business. Some still produces result some did slows down. - Bit unfocused to be honest and you can't focus result if you do a lot of things simultaneously.

Until one day my performance suffer from not having enough rest. Soon I get a poor ratings from my company and later got dismissed from more than a year job. There are so much lesson to be learned and apply for the next venture.

From the span of two years after graduating back in 2010 I changes jobs (5) times. Mainly due to my impatience and attitude. I realized I'm getting old, also watching people getting broke makes me realized  I need some changes.

I wanted everything to get straight. So I focus on diligently working.

Opportunity knocks and I had an offer with my aunty abroad. She encourage me to go there, I didn't failed to look for a company in Dubai but there was another problem they offer me good salary but I didn't realize they had no employment visa to give me and it was really disappointing.

I was nearly hopeless but having that fighting spirit and dream, keeps me getting back up from every major set back.

I rely on educating myself to the resources available out there and learning from other successful people experience. I wanted to put it all here in this blog. Just keep on writing and doing what I love.

Blog purpose

 I'm writing to develop people into a better version of themselves one of the major driving force that's keeps me writing.

Hopeful that they won't burried their dreams in life due to bad circumstances.

For the past few years I decide to share some of my insight and learning through the expression this blog.

I had a simple life and a family to help.

My blog "New Generation" aims to teach some tips regarding finance, investment tool, ideas and personal development in general.

God was so great that he had given us courage to get up on our feet and never let us empty handed. Don't quit what you are doing, just love what you do.

I believe everyone had to share something if you discover your calling, don't let it go to waste. Create something and that might changes people's lives.

If you can relate to my story, I would like to invite you to sign up and join me.

Connection and Partnership

Feel free to reach me in the contact form if you have something to share or ask.

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How to Start Investing in Philippine Stock Market (Beginners Guide)

Your friend,

Gen Punongbayan



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How Less Complaining Helps Me and You

It's a new day. I bet the best is yet to come for you!

I still remember the years that already passed. The things that I screwed up, the relation that I messed with and the number of job I took. The business venture that turns into feud and frustration. 

Oh don't worry I'm already done regretting on the thing I wish I could done more. Finally moved on and learned from the experience.

And finally I get to know life that it doesn't works by complaining and works by becoming a student if it.

If You Want Something Ready To Give It First Before Asking

I was reading a book about finance when I read the statement "When you want something, first ready to give it". It take a couple of minutes for me to sink in that statement on my mind. I'm thinking what wisdom I can draw with the phrase.

If you want love, ready to give love first. If you want more financial wealth ready to share it first to receive it. It's like the verse from the Bible that says "Do unto others what you want them do unto you".

Life Of A Call Center Agent

Before I got to BPO industry I was employed back then from a minimum salaried job from the position of HR staff, Coordinator, Customer Service Representative etc. I will not mention my salary on this particular company but it's not that high compared to Call Center Company located at Ortigas or Makati. But it surely a much more salary than my previous job. And I think if you are single, this definitely a pretty lump of hard earn money.

My account was a non voice which you are just require to transcribe voice message of foreign country into text nothing more nothing less and you also need to be accurate on the quality to get high score in everyday evaluation. As you imagine the life in a BPO industry it's actually the same everyday, same faces, same friends and an alternating supervisor, sometimes faces that now you see now you don't. People who quit after a few months, weeks and so forth. If you summarize the big picture it's just everyday the same but UNLESS! you do something different.

Doing the opposite of most agents are doing

What are the common thing agents do. Well in health matters that is smoking and drinking. I just found somewhat non sense really. I tried it several time but I don't hook up on it. Even drinking every payday period. I'm just thinking they maybe enjoying it right now but not in the future as it cost now a days to drink even just a single bottle would cost around 70 to 100 peso. It's like the same amount of your fare or gas getting to the company. Finance wise it's really an expense. But do sometime it's tough to pass on specially you want to make an impression of you are having good relationship with them Filipinos called "Pakikisama". There's nothing wrong with that as long as you are in the position to do so.

While they are spending their hard earn money on new phones, shirt and other depreciating thing. I invest on stocks, buying new books, investing in my business tools and presentation medium like tablet etc
I also watch and read good topics about finance and personal development. It really requires an intentional action. Having that habit are not easy to do. Specially if you don't appreciate the worth of Financial Freedom and being free from ignorance. Bible has a lot to do with it.

Am I in the same page with you? Are you following me? okay by getting out of the crowd I made a difference of what they do. I just did the opposite.

Making a difference to someones life

In every company I've been I make it to the point that I contribute to the growth of those people who surrounds me.

Referring to the book Law of Attraction or The Secret. Which basically tells that what dominates on your mind will attract. Well it works. Because I have an idea of awareness when it comes to financial and personal development. I attract those people who seek those category. I basically repel those employees who just love to enjoy what they earn buy that buy those. It really works promise!

So getting back to the changes I did. What I did was digging up to my sources of wisdom, books and materials etc. I was like a book worm who just lend book to those people who is interested on that areas.
I was having fun with them because they really want to learn considering these people are years in that company like I am before who can't control their own finances.

Every time I met with those people with a common culture we discuss on finance, stocks, real estate and insurance etc. These people are about 20+ yrs of age others are 30+ but most common they are at their 20's like I am. It was wonderful. I taught them to invest on stocks but do home research first. But before you can actually do investing they should handle their finances better. Mean it simply creating a new set of mindset for investing. They begin to become frugal and do their own budgeting to set aside for their investment. So that's where it start and it doesn't end there, I feel that they still want to learn more.

Wisdom leaks and it searches for an opening

Every made discoveries leads to another. It's like this discovering some fact that leads to another. We'll that is true. Almost all of these people are somewhat inter related about the books they read.and eventually bounded on a common ground. I don't remember they formed a group with each other before. I met them one by one. And I'm trying to establish them right now to maximize learning it's better to collaborate with great people to benefit one individual from the whole.

We want these agent to still pursue their dreams even having limited pay

As you can imagine the company has different shift, people who began working late night or so early morning like 12am -5am between those shift people start working. Having no sleep is the only problem with us agents. I personally said to myself I don't want to spend longer. But as I asses my current status I still need to spend sometime there and keep learning and sharpen my skills.

Beginning to shift quadrants employee to self employed and soon a business owner.

A friend of mine introduce me on this particular insurance company it's very well know on UK and it's already listed in the stock exchange abroad. I study the company and give it a shot, since I have a background on selling and networking I easily adapted the system. I just taking sometime to master the legal documents and etc. I decided to become a financial consultant as my second career but I'm taking it seriously because these I think it's my key to getting out on the rat race, It's just a matter of mastering the industry and be good at it. You may found your self on different field on your forte but once you had a good feeling about it grab it tightly.

Not as many like me has the guts to make a shift. What they always tells me is that they are XX years on service and still no increase on salaries. Well I said my friend it's better to have some type of investment that your money works for you to feel those increase. It maybe a business or investment. Relying alone on basic salaries won't take you so far. I said my friend you need to learn the art of investing and have fun while on the process at the same time.

Learning and applying what you learn is two different matter. Many people who already knows but don't have the guts to actually start doing it. It maybe because of the risk and fear. These are just part of the learning method we acquired from the school. "Life teach you by how many mistakes you commit not how many correct answer you made" I'm going to end this blog by leaving a powerful statement.

Quitting is the easiest you can do so why quit now?

Let your self experience temporary defeat and failure, but never mind them the important thing is never forget what the goals are.

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My Life Story

I never probably been into so much frustration and struggle if it wasn't for discovering and realizing the word "Financial Freedom". What's the word has to do with my struggle and frustration then? The hard part is to really realize what the word brings in to your life. Imagining having much more time with family and having much important things to do aside from your 8-10 hrs job in the corporate world. There's no problem with having a day job as long as you love them and you're good at it and it really compensate you really well.

 The hardest part of it is to make a shift on thinking from the old one and to the renewed one. The toughest part is getting out of your shell and out of your comfort zone. Which a person who really depend on employer and don't have the guts to start early on your own.  The term is also getting out of your box.

I was one of the many who don't have a specific plan to follow or things that envision in mind. So what happen to me is I shifted from company to company and waiting for something good to happen. I wasn't really prepared and that hit's me until today at the age of 25. I never save any from the first year of employment. I never had the wisdom to use on applying the word financial IQ. Even the formula that many financial expert use on finance (income - saving = expenses) I don't have any ideas as well.

So when I started to realize I was getting old, that is why I started to make a shift as early as I could. If you're on 40's or 50's it doesn't really matter as long as you have the will power to do change.  I really don't like to live working for a long term corporate word. But if you are a person who value employment, you probably will don't understand what I'm telling right now. But as long as you stay there for good cause I don't even bother asking why you need to retire 60.

I started this blog to write my journey to financial freedom. I'll be showing here some tips financially, personality development topic and spiritual enlightenment topics.

Currently I'm not yet financially free but time will come it will by Gods grace and guidance. I hope I can inspire your life as well and do find your path as well. It's really a privilege to be with you on my journey.

I am currently working on a BPO industry as a simple agent. I am also currently investing on Philippines Stock Exchange. I am a Financial Consultant in one of the leading company in the country.

You may subscribe on my blog if you find it interesting and helpful.

I know you have your own story, you can share yours and let some people read about it. You can connect with me via email genpunongbayan@gmail.com