| I remember way back around a year ago, about | | | | came from mommy... I was their money that I |
| exactly a year ago, I was talking with my | | | | just threw away..I lived my teenage life without |
| workers that pack envelopes. those times, I was | | | | an allowance... I'm not saying that I didn't have |
| making many checks per bi-month. There were | | | | money or I wasn't given money, actually if I |
| checks that were SO high that was somewhat | | | | wanted money, my mom would give it to me... If |
| the peak of my business, that we worked every | | | | I wanted to buy some bling bling, I know my |
| other day just packing envelopes about 6-7 hours | | | | mom will give it to me... I never had daily |
| a day.I think I told these to my workers one day | | | | allowance during my high school days, but rather, |
| when I was gonna give the paychecks.. I think I | | | | I just spend, and when I'm low with cash, then I |
| was giving bonuses that time, I cant really | | | | ask for more money... just that simple, no rules... |
| remember..But I explained to them during my | | | | But I was WISE with money, I spent way less |
| speech about it..I told them that I see money | | | | than the average high school student... I wasn't a |
| differently than most people especially at that | | | | heavy spender..I remember that I always go |
| point of my life where my business was just | | | | straight to the sale rack whenever I go shopping... |
| unbelieveable. I told them that for me, money is | | | | If it ain't in the sale rack, although if I wanted |
| just an award for my hardwork... I made an | | | | something badly, I would never buy it!I often also |
| analogy to compare it with basketball... Say for | | | | reject money when my mom offers to give me |
| example we because the champions in our high | | | | money when times that I know that I still have |
| school basketball team, we then earn a big shiny | | | | enough money still... But money was always there |
| gold trophy as a reward... But the trophy is really | | | | when I needed it..I would say all in all, I learned |
| nothing, what really matters is the fame and pride | | | | about money habits by EXPERIENCE. I learned to |
| of being champions.. it is the hard work and | | | | spend money INDEPENDENTLY. many parents |
| determination and how we never failed that | | | | give their children daily allowance, that the person |
| makes me happy about myself.. Even if it weren't | | | | is only limited to spend that much, and if the |
| a gold shiny trophy, rather it was just a crappy | | | | person SAVES, then he would be able to buy the |
| medal that looks so ugly, it doesn't matter, what's | | | | luxuries that they want... That's how most children |
| important and what I will be happy of is that we | | | | and teens go about, but I was just different from |
| were the champions of the basketball in high | | | | that.When I was 17 and early 18, I have been |
| school. a trophy I can just have it made at a | | | | having businesses... They were almost just slightly |
| custom trophy shop. And put on it "Chris, high | | | | profitable... Not too much profit, but a little profit.. |
| school champion", and magic! I am the champion! I | | | | Maybe I would say a good $5 profit per day.. But |
| can be happy about it, but deep inside I don't feel | | | | with that $5 I was making each day, I didn't |
| successful.For business, money is the reward of | | | | spend money differently.. I was still the same |
| being successful. but in reality, money is not all my | | | | money spender I was... Its not like I was able to |
| goal and passion... It is not the main thing I'm | | | | buy nice clothes then, or something like that.. I |
| after, but its the fame and pride of being able to | | | | didn't even mind that $5 at all... It wasn't anything |
| support myself financially, and the service of | | | | to me... What was important to me was the |
| business to others, making it a better economy. it | | | | experience of doing business... Knowing the ins and |
| is to prove to myself, my family and friends, that | | | | outs of business..During then my late 18s, when I |
| I am successful. it is to show my hard work and | | | | started to make profits, (3 digit figures profits a |
| how persistent I am..In fact, even at first when I | | | | day), then I slowly became loose with my |
| started business when I was about in my early | | | | spending.. I have been treating my friends out for |
| 17s, I never started that business coz I needed | | | | some shakes and drinks... Treating people out for |
| money... Or because I wanted to buy something.. | | | | lunch, etc. I did it very slowly...The Christmas of |
| Or I wanted to put new stuff in my car... NO! I | | | | 2004, when I was in my late 18s still, I felt that I |
| just enjoyed business and wanted to try it | | | | was making so much profits that I wanted to |
| out..Business was more like a HOBBY to me... Until | | | | give back to others the blessings I received.. It |
| now, it is still something I enjoy doing.. people that | | | | was Christmas, and I made a gift to more than |
| love basketball love to play basketball -- they look | | | | 20 people.. I wrote them each a check of $100 |
| forward to play everyday and enjoy it... I love | | | | each as Christmas gifts... I wanted to prove to |
| business, so I love to work and do business -- Its | | | | myself as a non-greedy person, and show to |
| something I look forward also doing everyday!Until | | | | others that I am not selfish... These people include |
| now, even my real estate investment, even | | | | my close friends, relatives, employees, and even |
| although there are problems and I am spending | | | | the mailmen that I see every other day.I wouldn't |
| more than how much I expected to earn, also | | | | give them all, but many times that I donated to |
| including the problems I had with my contractor | | | | non-profits, to foundations... I don't think I even |
| that I had to switch contractors, I was a big pain | | | | remember half of them..I remember the day |
| in the ass for me... Even marketing and dealing | | | | when I bought my car, the Evo, that was Feb of |
| with unhappy tenants that I have been promising | | | | 2005. one of my close friend's mom was in |
| their move in date to be last June 1, then June 12, | | | | financial problems.. She was low on cash, and had |
| then now July 1, I have been embarrassed of | | | | bills to pay... As being a person that is successful |
| myself.. but all of these challenges I ENJOY! they | | | | and just bought a car, I personally went to her |
| make me a better person... I love challenges, and | | | | house and offered her a check to help her with |
| overcoming them is an obstacle... Its like playing a | | | | her finances... I wont say the exact amount, but |
| game, to beat the enemy.. The enemy which is | | | | its around $500.That week also when I bought |
| the problem or the challenge..With money, during | | | | the Evo, I had it blessed by our parish priest, then |
| my earlier years, before I was successful at the | | | | after blessing the car, I told our priest, that I |
| age of my late 18s, I knew how to spend | | | | have been so successful lately with business, that |
| money.. Spend it very wisely.. Well yes, my mom | | | | I was able to buy my own car myself. but I also |
| isn't selfish with money, that whatever I want, | | | | thank God for the blessings, and if I am able to |
| she will give me.. When we bought a car when we | | | | buy my own car, I should also be able to donate |
| first went to the US, I wanted just a normal used | | | | to the church. I gave him a check for the church... |
| corolla, maybe something we can buy for $5,000 | | | | Amount is around the same amount as above..I |
| and get us to places... I wanted to start with that | | | | feel so nice of myself, that I can also share Gods |
| car, and to spend money on more important | | | | blessings to others.Most recent one was just |
| things... my mom said no, lets get a better car | | | | yesterday. my friend Melissa from Gawad Kalinga, |
| than that... I still insisted on just getting a cheap | | | | to keep it short, I made a donation for the tuition |
| reliable car... Well we ended up deciding to get a | | | | fee of teenagers that cannot afford their college |
| brand new car that will last, at the decision of my | | | | tuition, since school is starting about now.. there |
| mom..Well I said that lets just go for a brand new | | | | were about 15 teenagers that we sponsored, I |
| civic... Its one of the most reliable cars, and one of | | | | gave about 1/3 of the total sponsorship needed. I |
| the best buys at the lowest price... Its very | | | | wont say the exact amount.I have been |
| practical.. I suggested that... well when we were at | | | | independent with my spending... I focus more on |
| the Honda shop, my uncle was insisting that I just | | | | what I earn rather on how much I save... If I |
| get a Mercedes Benz, and my mom was also | | | | needed more money, then I would work more |
| agreeing with him.. A Benz would just be around | | | | and thus earn more... most people SAVE MONEY |
| $5,000 more than the civic.. my mom kept on | | | | to have more money... I EARN more money if I |
| asking me if I should just get the civic, or maybe | | | | need more..Just a while ago my mom was |
| I wanted a Benz instead? I said, lets just stay | | | | offering me money because she wanted to pay |
| with the civic... Although if I wanted the Benz, we | | | | for my tuition fee (I am taking a class at Ateneo). |
| could of got that instead...That's how I look on | | | | Tuition is 23,000 pesos, she said she wants to |
| money before...There were times that my friends | | | | pay for it instead of me, but I rejected it and I |
| go to Starbucks, and I don't even buy anything, | | | | just paid it myself... I know I have money, and I |
| but I REALLY was craving for some iced frap... | | | | could afford it.. Even the seminars that I attend... |
| But I stopped myself...I was a very wise person | | | | But I very very VERY appreciate her offer to |
| with money before. I really didn't spend too | | | | me, that education is something that she wants |
| much... All I spent was on was just cheap fast | | | | to offer to me from her end... It was touching on |
| food and gas... Maybe $100 should last me about 3 | | | | what she did.Chris Angeles is a young |
| weeks (not including gas)... I obviously didn't have | | | | entrepreneur, very young one at the age of 20. |
| a job that time..I was planning of taking out some | | | | He learns more from experiences in the business |
| friends of mine to a date before, but I have been | | | | world and making mistakes rather than from |
| holding back, to the fact that I don't want to pay | | | | learning everything from school and entering the |
| for their food.. As I know that the money ill be | | | | corporate world. Well he has been doing real |
| spending will be coming from mommy.. I was | | | | estate lately, specifically investing in an apartment |
| actually even thinking of asking my friend if we | | | | building. He DOES beleive in education, and attends |
| can have separate bills if I were to take her | | | | several seminars, entrepreneurial groups, |
| out..Small gambling, as some of my friends do | | | | meetings, cashflow events, etc., and he reads a |
| (just small stakes), I have been always avoiding... I | | | | lot of books in personal development and |
| rarely gambled, and each time I lose, I felt VERY | | | | entrepreneurship. |
| BAD deep inside, because I know that money | | | | |