Someday, my dreams will come true.

I know it sounds a little corny, so okay. Someday, OUR dreams will come true. Better? 🙂

Of course I know that in order to do so, 99% definitely has to come from hard work. And as I’m preparing myself for that “battle,” I believe it also doesn’t hurt to somehow let the “universe” know what these dreams are — and that’s where I’m allotting the remaining 1%. After all, generations have claimed that The Secret was part of their successes. Ahem!

So here I am, claiming my life-long “dreams,” using the medium I know best: the written word.

But what exactly are my dreams? Well, there are A LOT! But for now, I’ll be focusing on these two because they’ve been the constant ones on my mind lately: financial independence and business.

Financial independence
Saving up is hard to do. Trust me, that has been a dilemma of mine even before I started working.

I’m a big spender. There, I said it! 😐

But don’t get me wrong. I’m not really the typical shopaholic who “loses” money by buying stuff at expensive stores. You’d be surprised to know that the NUMBER ONE thing that makes me “lose” money is FOOD! (Okay, maybe it’s not that surprising considering the number of pounds I’ve gained for the past several years! HA HA HA). Point is, I spend a lot of money on FOOD and DRINKS (check out the hashtag #MikaChiongEatsAndDrinks on Instagram! #shamelessplug) that it’s not good anymore. Finance- and health-wise.

I know that my love affair with FOOD is forever but lately, I’ve been trying to change some of my ways — beginning with my savings. Again, don’t get me wrong. I have savings. It’s just that I’ve set an amount as my “emergency fund” goal years ago and up to know, I still haven’t reached it on my own. When I say “on my own,” inheritance and whatnot NOT included. So yeah, I still have a long way to go when it comes to my finances.

BUT, I’m thankful that my eyes have been opened to the fact that there’s another way to be financially independent beyond my savings account in the bank: INVESTMENTS.

I’ve been hearing about life insurance, mutual funds, stocks, etc. since time immemorial and the more I learn about them, the more I’m convinced. After I reach my “emergency fund” goal, I won’t put my money in my savings account anymore. Instead, my hard-earned money will all go to investments — life insurance, mutual funds, stocks, property, even travel. In that order. So if you’re one of my friends reading this and I’ve been turning down some social invites lately, I apologize. Know that the aforementioned types of investments are my priority right now. 😉

I’m not YET an expert when it comes to explaining about these types of investments (like I said, I’m still learning!), but if you’re interested to start investing as well, I recommend you contact the following people:

Thz-z “Zay” Pandosen of Sun Life – 0917-3125395

Enzo Toledo of Philam Life – http://phfinancialplanning.com/

As for me, I just hope and pray that all my investments go very well. Are you listening, Universe? 😛

Business
Ah, probably “the most challenging” on my list of dreams. Sigh.

In relation to my dream of being financially independent through my investments is THIS another type of investment: business.

Why “the most challenging” for me?

Well for one, I’m no business graduate which kind of results to this: I’ve no idea how I can start one! (Okay, maybe I’ve an idea but it’s easier said than done. If you know what I mean.)

Also, unlike my other investments, I dream of businesses (yes, plural!) that go beyond profit. Aside from earning, I also want to focus on PASSION and PURPOSE. Meaning, it’s not just me and my money that are at stake. In fact, there’s no “me” anymore. That’s going to be replaced by WE. Pressure much!!!

Anyway, I just try to make myself believe that at least I have the yearning to do so. I’ve pretty much already thought of what my businesses would be (including their names, but I won’t disclose those for now). They are:

-a pastry shop (in honor of my late mother and of course, my love for desserts); and

-a nail spa (in honor of my kikay-ness! haha!)

I don’t want to dwell into details but now that this plan of mine is out in the open, yes, I’m looking for business partners! So if you’re also into my business ideas, drop me a line immediately! No kidding! 😀

As for the Universe, I don’t want to be an employee forever. By that, I don’t mean I have to resign from my day job. Instead, allow me to be a hybrid. Or in the world of “slashies,” something that gives me the right to put “Employee / Business Lady” on my Instagram profile! Mwahahahahaha!

P.S: Just because my “big” businesses are still ideas for now, doesn’t mean I’m not “open for business.” This is another #shamelessplug on my part but if you need help with the written word, know that I do freelance editing/proofreading/writing of articles, academic essays, and whatnot. E-mail me at mikhaelageorgette@gmail.com for details and spread the word! Thaaanks!

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And there you have it. Don ‘t hate. Rest assured that if you get to make your dreams come true, I’ll be happy for you too! 🙂

*all together now* Lez do t’is!

Another pursuer of dreams,
Mika