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At 25, I found myself financially broke, I’m way beyond my big mouth promises, pennies in my pocket, nothing in my bank account, creditors were calling.
I question myself a lot, how did it happen? I graduated cum laude in a prestigious school ...

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A financial plan is a comprehensive evaluation of an investor's current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans.


The process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets.
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   EJ Blog    7 simple steps to achieve Money at Work

7 simple steps to achieve Money at Work

Step 1: Make Money


It is a human nature that whenever we earn, we will automatically spend every single cent for the things we want. This is one of the reasons why the earning-spending process becomes a repetitive cycle, most of the time leaving us into mountain-high debts.

Once we have a stable income, our goal should not just have enough amount to buy whatever it is that we want but on being able to have enough money to sustain even our needs for the future.
This is where investment gets into the picture. Instead of spending on unnecessary material things, better save those cents and plant yourself a better future.

Step 2: Save More Money


We get contented with the fact that we were able to save up a minimum amount then we will eventually stop from there. Whenever we receive our salary, some will be diligent enough to break down their expenses, others were not as patient.

Most of us live by this formula:
Earnings – Expenses = Savings

When, in fact, we should have this:
Earnings – Bills – Savings = Expenses

You better take note to include our savings into our expenses. A good start will be saving 20% of your total earnings, with your bills taken into consideration, of course.
The amount of money you save will determine how fast your money will work for you. The bigger the savings you set aside now, the bigger the returns you will get in the future.

Step 3: Know where your money should work


You should take a few classes or seek some professional financial advice when it comes to finding out where it is best to invest. Making decisions on your own is a very risky thing to do and you don’t want to lose money especially if you’re just getting started.

Know that there are countless ways to turn your savings into investments and that the best way to go about it is by seeking the help of someone credible.

Step 4: Create a solid plan


Now that you know where you can put your money, you have to come up with a plan to not only sustain but also to grow those investments.

Keep in mind that if you don’t plan, you’re plotting yourself to fail!

Step 5: Start the plan


Put the plan in action. Get out there and take the risks. If you let your ideas remain as ideas, then you can’t expect your dreams to become a reality.

Step 6: Stick to the plan


You have to be in it to win it! Seeing a return on your investments will definitely take time. The investment game is not a sprint but a marathon. Do not easily be disheartened, remain strong and build patience.

As you wait for time to pass, the best thing to do is to invest in your financial education. Take more classes and do more research. This way, when your initial investments have started producing profits, you can use that to make even better and bolder investment moves.

Step 7: Repeat


Now that you know what it’s like to invest and make money work for you, you should learn more about the other vehicles. There are countless opportunities out there and if you’re equipped with the right knowledge and have the support of professional financial planners, repeating the process is the next step to take!

Your secured future is in your hands. Take risks. Do bold moves.
Learn continuously.