Had the most financially challenging year.
I made one very bad risk that resulted to a financial chaos that affects not only me but those whom I borrowed money from.
Learned these:
1. DEBT is BAD. There is no such thing as good debts. You do not only pay interest but you trade your time and freedom as well.
2. Do not work without payment. It is better to walk away from a job offer than to do it on a pay you later scheme. You will end up with two problems. The problem of the case and money problems.
3. Money should be manged and not the other way around.
4. Save money. I am probably one of those people who could honestly say that when I say I have no money I really mean it. I miss Lola Pat who often said that her money is not enough but has lots of money.
5. Money may not be everything but being burdened by the lack of it sucks.
Resolved to:
1. Generate more income.
2. Charge properly.
3. Pay all debts.
4. Be generous
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