After five years, I own a house now. So glad that before I did not rent a room ‘coz I stayed with my aunt and the workplace is just a walking distance about 4 minutes.

I am from the Philippines.

Invest your money in the Cooperative for at the end of the year you will receive as much as 20% of your share capital, Commercial banks cannot.

So maybe being unusual and bucking the trend by saving half of your income can put you into this group of people, who are generally extremely secure financially. Being and acting differently in terms of your finances can be good, in other words.

i must tell you life is strange when you don’t do what everyone else does. at 40-something i had never had a credit card or loan and purchased my first home — a beautiful condo. i never wanted to own, but always knew if i did, it would be for CASH — just like everything else. never bounced a check, never paid a fee or interest. used “money” mag to find the best rates on CDs in the nation and bought only 5-year ones.

then came US savings bonds. everything fell into place JUST right. i sold my condo two years after i bought it for twice what i paid, and went back to the lifestyle i enjoy — RENTING!

i have consistently climbed that ladder and have had my own successful business for 13 years. you HAVE to pay NO ATTENTION to anything anyone tells you financially speaking. you have to be dedicated. you can do it. i know cos i did.

one last one — NEVER a borrower NOR lender be.