Past is past and the only things that we can learn from it are the lessons. Anybody can forget the past but never forget the lesson. If you have done something wrong in the past then let it be. It’s time to make a conscious choice of living in the present and hoping for the future.
This is also true when it comes to finances. You may have lost a lot of money during your early years because you felt that having a lot of pretty knick-knacks are the things that will make you the “it” person of your times. You may have been a travel junkie and have visited all the 80 provinces in the Philippines and maybe a few outside the “perlas ng silanganan.” These dramas are okay because the fact that you are reading my blog about finances is a conscious realization that you want to change something in your finance now. J
As I’ve said, it’s time to move on. Make the right decisions today to improve your financial life and work towards financial stability. You cannot go back in time and collect every single centavo that you’ve spent. Acknowledge that you have done wrong and admit it. That will only be the time that you will start to accept the reality and move forward. First focus on how much you are making today and start saving small percentage of it – say 10%. Then increase as necessary. If you have built the habit of saving then create emergency fund and start looking for other (legit) high yielding funds. As long as your savings plan has a goal, you will surely end up with it sooner or later.
Happy saving and investing. J