I graduated today, now what?

I would like to congratulate all of the graduates of batch 2016, you deserve a pat on the back for a job well done. Now that you have graduated from the university, I welcome you to the young professionals group of our society. I’m sure most of you are excited in this new chapter of your life( or some? hehe).



This is the time in your life that you will start to work, earn your own money, and build your career.

While this is exciting for  you, this might be scary as well for some because of what ifs.

What if I don’t land a job soon?

What if I wouldn’t like my first job?

What if my first job would not be the job I really wanted?

What if I landed a job that is not related to my course?

and a lot more what ifs.

Let me share you my experience when I graduated back in 2013.

I am an engineering graduate, it was really a hard time in the Uni (considering financial struggles as well) so the time came that I graduated, I was really excited and all of my hopes are up. I now have the opportunity to earn my own money and help my family in terms of finances.

Like you, I was thinking already of the companies that I wanted to be working for, readied my resume and printed a lot. Like you, I wanted to have the option to pick what company would be the best for me and my career. I wanted a good paying job that is aligned with my course and would give me the best career growth potential. Just to sum it up, that time I thought that by analyzing and planning too much for my ideal career, it will turn out well and everything will be smooth. Analyzing and planning really affected my decisions in choosing the companies that I will be applying to because I only wanted the best for me (who doesn’t want to?).


Guess what happened? Reality strikes back at me.

Even if I planned it out, turns out that companies wouldn’t adapt for me (maybe they will if I’m a genius haha). Company after company, all that I hear was “We will call you back”. I applied in all of the companies on my list and all of them had the same response, “We will call you back”. I started to doubt myself that time and start considering jobs that aren’t really related to my course. That time, I just wanted to have a job to sustain myself and give to my family.

I was being hopeless that I started putting my trust on God na ‘Lord kung ano man po yung ibigay ninyong work sakin ay alam ko pagpapalain nyo po ako’.

When I started not to rely on myself and started trusting God that was the time when things started to move in my quest on landing a job.

I had this interview for a casino dealer position and it went really well that I only needed to sign a contract for me to start (It was the only one that called me back). The salary was good it was around 35,000 pesos as a starting pay and has benefits.


that time there is some weight in my heart because I don’t want to be a part of any gambling activity (even if it is legal), I’ve asked God na ‘Lord ito po ba talaga yung job na binibigay nyo para sakin?’

The day came that I needed to sign the contract, just out of nowhere my phone rang and it was a call for an interview. It was a call for a field service engineer post.

To cut the long story short.

I should be a casino dealer by now if I had sign that contract but God moved in my life he is really faithful because I still end up being an engineer and He gave me a job that would really bless my life and my family. After a year I had the opportunity to study in the UK with that company God provided for me.

My first time in London 2014

Then after that  I was able to work in Australia

Enjoying Brisbane

God is really faithful in everything!

Knowing my story, I wanted to share to you some important things that I learned along the way that have helped me in walking my journey.

1.Never rely on what you can do, instead move in faith and trust God.

Now  that you are entitled with a diploma, it symbolizes that you have finish studying what you need in order for you take on the tasks a job will require you. Sometimes we rely on that entitlement, we think that this accomplishment of ours will be the key for us to land on our ideal career, it may be a factor but believe me only God can give you the best and He won’t give you something that you wouldn’t like.

I have known friends that have landed on their ideal careers but ended up being stressed and complaining even if they are really paid well. It might be that they haven’t put God first but that’s not for me to say.

The only question in my mind is that why are there people who have acquired things they want but still end up being unhappy?

So as you start looking for a career, it is ok to analyze and plan for it but above all, just rely on God and let him guide you along the way. Be faithful because He is faithful. He can provide and he will provide for you something that you will like and be happy with.

2.Invest in yourself

Education never stops when you graduate, learning is a never ending process. Don’t think that once you have graduated, you are ready for everything. Once you have a job, save for an education fund. It could be attending seminars, buying books, doing short courses or workshops that you might be interested with.

Like what Benjamin Franklin have said

Investing in knowledge pays the best interest

I am no finance guy (I am an engineer) but because I was interested with the topic of personal finance and investing, I continued to invest in my knowledge, bought books, attended seminar and had some courses. Now I am able to manage my finances well and also able to earn from what I learned as a 2nd source of income.

This blog you are reading right now is a way for me to share what I learn and will be learning along the way, I invested time in writing here because I know that I will learn much as I write and research about personal finance stuffs in this blog.

Now that you are out of the uni , there are no rules now on what subjects you want to learn and take, that is an advantage! Sky should be the limit on learning things. Look for the things that you are interested with and never stop learning. It will pay off soon.

3. Have the grit to succeed

Different generations have different traits and what I admire from the older generations is the ability to endure hard work. Yes! Hard work. Because of technology today, I can somehow say that our generation is an ‘instant’ generation meaning everyone want instant results(no wonder get-rich-quick schemes are still rampant today). While it is true that people nowadays work smarter and not harder, not everyone is brilliant. It takes years of  working smart and working hard for us to master our craft and succeed.

Have that grit to succeed and don’t complain about hard work (it is really included for us to grow). Remember that there is no growth for someone who is in his comfort zone. If you want to succeed and grow? Get out your comfort zone and endure hard work.

Wrap up

I hope that I have shared something that have inspired you today. This article is dedicated to our new graduates but the things I shared here can also be applied by everyone. Please do share this on your facebook and let me know your thoughts in the comment section. If you haven’t subscribe yet on my blog, I invite you to do so :). Just enter you email address below this post so that you would be notified once I have a new post.

You can also find me on facebook @thefrugalworker

God bless everyone!

To your success,

The Frugal Worker


A vision in the midst of the fog

Today I would like to share with you the story of Florence Chadwick. She was an American swimmer known for long-distance open water swimming and was the first woman to swim the English Channel in both directions, setting a time record each time.

In 1952, Florence attempted to swim the 26 miles between Catalina Island and the California coastline. As she began, she was flanked by small boats that watched for sharks and were prepared to help her if she got hurt or grew tired. After about 15 hours a thick fog set in, Florence began to doubt her ability, and she told her mother, who was in one of the boats, that she didn’t think she could make it. She swam for another hour before asking to be pulled out, unable to see the coastline due to the fog. As she sat in the boat, she found out she had stopped swimming just one mile away from the shore.

Frustrating right? Can you relate to her? We all live in a fog of uncertainty and sometimes it paralyzes us to achieve our goals in life. On our financial goals, sometimes we feel that we aren’t going anywhere even if we are working really hard to achieve them. Our income haven’t increased yet, we still have debts, we still don’t have a car, we still don’t have a home, we are just saving little, and it’s like a dead end. Little did we know that we are almost there because we have made the habit and the character to turn our life around and reach our financial goals in life.

A vision in the midst of the fog

Let me continue the story of Florence.

Two months later, she tried again. The same thick fog set in, but she succeeded this time in reaching Catalina. In her interview, she said that she kept a mental image of the shoreline in her mind while she swam.

Yes we do fail at times but it doesn’t mean that we stop trying. Florence may have failed the first time but she managed to succeed the second time. It is worthy to say that the reason she succeeded the second time is because she had a vision in the midst of the fog. Even if she has no idea where she is right now, she know that the finish line will always be there and will never move away from her. She continued to swim because she know that in time she will reach her goal.

How about you? Do you have a vision or do you feel stuck right now in the midst of the fog? Do you feel paralyzed because you don’t know if you are really getting your goals?

Let me remind you with this.

God will never give you a vision without His provision.

If you have a vision of being financially free in the future, stick with it! even if the times are hard, continue to work hard as if you are working for the Lord, count the cost even if it is so hard to discipline yourself, and continue to be a blessing even if you only have a few.

Remember that God will never leave you nor forsake you. You might be nowhere right now but with the right amount of faith, hard work and discipline, I’m sure that you will reach your financial goals in due time.

I hope that this article have encouraged you. We all have those times that we feel down and burdened, please do share this to your friends and families who might need the encouragement.

Please do subscribe to my blog as well by entering your email below this post.

You can also find me on facebook @thefrugalworker

Source : Wikipedia Photo Credits : Brent PearsonMatthias Ripp

How to excel in a boring job

A lot of us young professionals today have boring jobs and what I mean by that is, we have jobs that aren’t giving us the satisfaction. The only reason we’re staying is because it is our source of income. Often times we think that we are working for our employers, for our families and for ourselves. We think that working hard for them is the key for us to be appreciated, be promoted and be counted. Continue reading How to excel in a boring job

What Brought Me Here?

“Ayoko ng mediocre na buhay, ayoko ng umutang, ayoko ng walang savings, ayoko maging tambay, ayokong basta na lng ang pagaaral ng future children ko, ayoko ng utang ang ipapamana ko pagtanda ko, etc”.

When it comes to our finances, marahil ay nasabi mo na ito sa sarili mo one point in your life. And it’s NORMAL,

Sa school tinuruan lang naman tayo kung papano kumita ng pera pero hindi tayo talaga tinuruan kung pano hawakan at palaguin ang pera..

Continue reading What Brought Me Here?