“The only discipline that lasts is self-discipline.” Bum Phillips

I’m not the best person to preach about discipline.  If you know me, I’m an “I-hate-rules-but-would-try-to-abide” kind of person but when things need to be done then I follow.

And the past few months proved me how strong my discipline is.  First, I really needed to save up lots of mullah for an amortization that will last a lifetime and I’ve surprised myself by giving away whims like watching movies and traveling.  I even changed my lifestyle and started to be a wise spender especially when it comes to wants.  Well, it’s not that I don’t know how to save up but I just don’t have a specific amount to target and monitor my spending.  I still don’t fully monitor it like some friends I know.  I just do estimates and tighten my belt when need be.

Second testament is about my health.  My blood results since 2009 showed that I have high levels on cholesterol and triglycerides.  I just didn’t mind since I’m younger then.  I just don’t want to limit myself especially when it comes to my food intake.  I don’t want to miss the good things in life. 

Until after the 3rd straight year of getting the same old results and it has worsened, too.  So I’ve decided to change my diet and eating habits not because I was afraid to die early but I wanted to know how far I can push myself in attaining a goal.  I needed a challenge since my work is a bore.  After 6 months of doing a half-hearted self diet regimen and another set of test, there were small improvement that I couldn’t be proud of.  It was a big failure so I’ve finally put my focus in this goal and had another set of test after 3 months and voila! I’ve successfully passed everything.  Improvements were so high that I was too proud of it and bragged about it.  And aside from being healthier, I even lost weight.  I’ve never felt that I can over-achieve my goal.  It was ecstatic!

Thus, I’ve finally believed that discipline is a good trait that I should really possess.  I’ve never imagined that I can be this disciplined.  I was too carefree and lazy.  I’ve forgotten and neglected that the key to success lies primarily on discipline. 

With this, I’ve really learned that when we put our minds into something and we execute it according to plan there’s no way for us to fail.  This testament will always be a reminder that when I want something I should just trust myself and put my 100% into it and then I’ll have it with the right attitude and proper discipline, I can achieve anything.  Cheers to my next target, “WORLD DOMINATION!”

 

As I was enjoying my vacation last Sunday celebrating independence day literally by going on an out-of-town trip alone.  I suddenly thought of this, can the average Filipino save at least 10% of their disposable income?

I think they can but most of us don’t due to lack of sense of priority and lifestyle.  My answer is solely based on observation from siblings, officemates and even friends.

I have worked as a budget analyst from 2005 to 2008.  The work was a solid financial budgeting that dealt with financials, estimates and studies.  And I think I was made for that job. 

Why did I say so? I started budgeting and managing my own finances when I was in grade 2.  Our father trained us early, he would give us our allowance for two weeks and we were free to ask for additional funds if need be without justification.  We weren’t rich; our family was in middle class.  I didn’t get what I want when I was a kid and I didn’t ask for something big to be fair with my very hard working parents.  My father used the reverse-psychology method, he wanted us to be honest and he was lax with money and proudly, I can say I never abused the “no need for justification policy”.

My father have always inculcated these things to us, first is to live within your means and second, set your priorities right.  Arrogance has no place in the family.  Being happy doesn’t mean getting all the material things in life that most of the time are just whims of our body.  Being happy can actually be simple.  Anyway, I’m talking in circles here and let’s get into the business now.  Here are my simple tips that I consider very useful and proudly the reasons why money has never been an issue with me.

  1. Set your priorities right.  My priority is to enjoy my life and of course this means I want to travel the world so what I do is I try to save up at least 15% of my disposable income since I still share for expenses at home.  If I weren’t this could be actually doubled.  So if I don’t save it means I can’t travel, right?
  2. Live within your means.  Spend only the money you have.  This is one of the major problems with Filipinos.  We tend to enjoy our lives more without thinking of our responsibilities.  Example, we have debts to pay, our priority should be to pay them off immediately but these days I see people who spend more on going out without even paying for their outstanding debts.  I’m so sorry but I’m not a big fan of this practice.  I only spend what I can spend.
  3. Try investing.  This isn’t something easy to practice.  One thing that I should still learn but unfortunately, I don’t have the heart to do this.  I have invested on our companies stocks and that’s only it.  I see and meet people who trade in stocks but my mind’s too lazy and stubborn to even entertain them.
  4. Control your debt.  This is one thing that I’m very good at despite being an impulsive type of buyer.  What I do is I buy everything thru credit card BUT I treat my card like it’s my cash. I pay my monthly dues and I’ve never failed to pay in full.  Control means discipline.  You can actually relate this with my number 2 tip.
  5. Make a budget and analyze your spending.  There was one year when I actually felt that I had a trouble with managing my finances and making and planning for my finances really helped.  I projected monthly income and other sources, scheduled payments and matched with the inflows and voila, I’ve managed my finances and never missed a commitment.  It also helped me to cut unnecessary expenses because I was able to analyze where my money is going.  It totally did the trick.

So I think that’s just it.  I’m not actually an expert but I’m sharing this because it has worked for me.  I just hope that this will be of help to you.  If you’re struggling with your finances and actually considering hiring someone for help, you can give me a try and guess what, it’s all free. Really!  Leave me a message and let’s see how I can help you.

I think I have found a healthy addiction lately and it is running.  I can’t believe that I can really push myself this hard.  I’ve never been this goal-oriented before.  I never pushed myself to study hard or work hard to be a boss but running made me realize that if I just put my focus on something I can achieve it.

I’ve bought my shoes last year around May because I was starting to feel like I have knee and ankle injuries from running and playing badminton.  Then when I’ve bought my iPod replacement last June I’ve told myself that I should buy the Nike + iPod sports kit to help me train for a marathon properly.  I’ve finally had the budget to buy the kit and it served as my Christmas gift to myself which included an iPod touch since I’ve failed to check that the kit doesn’t go with the iPod classic, what a bummer, right?

But all these purchases had finally paid off, this kit has helped me monitor my progress and encourage me to do my best every time I run.  I’ve been running consistently for the past 3 months and just this month I have increased my mileage from 3km to 5km.  Unfortunately, I had developed shin splints because of lack of proper exercise and stretching.

Having shin splints actually was favorable because I was forced to research about it and learned that I should really prepare properly every time I run.  I became conscious and vigilant.  I think for the first time in my life I have proven that I can actually be disciplined.  Discipline is one trait I don’t have that’s why I didn’t become a sportsman.

So I would like to share with you this video I’ve got from the internet that I’ve been religiously following so I wouldn’t have any problems before and after I run.  These are just 8 basic stretching exercises and it wouldn’t hurt if you’ll follow them, it is so easy and it’ll take about 15 to 20 minutes of your time.


I have conceptualized this post so I could share how Nike+ iPod sports kit works to help me achieve my goal. 

It has Nike+ Coach which has been designed to help you with every facet of your running needs, just like a real life coach (only without the piercing whistle) whether you’re training for distance, a particular event, or even another sport. 

It is very easy and friendly.  You just need to set up the type of program you want base on your experience level, event distance and how frequently you are able to run each week. Throughout your training, Nike+ Coach will track your individual runs via graphs, allowing you to compare your times and better understand the trends in your overall performance. You’ll also get tips and advice to ensure you’re training properly and getting the most out of your runs while minimizing the risk of fatigue and injury.

Nike+ Coach simply makes your training easier by taking the thinking and worrying out of your hands so you can focus on putting everything you’ve got into your feet. The bottom line is if you want to run smart, run with Nike+ Coach. (Credits nike.com)

So here are the sample graphs of my 5km runs as provided by nike.com.  Sorry I’m just proud of what I have achieved for the past month.  So what are you waiting for, run smart, run with Nike+ Coach.


running-marathon

 

I have always imagined myself running the marathon and finishing the race first.  Yes, you’ve read it right since I was little I have wanted to prove everyone that even if I am thin and I look like sickly that I can be the first to cross the finish line.

But unfortunately, I am 30 years old to date and I have not run a single marathon.  There were a lot of times that I get invited by friends’ friend but since I don’t have a friend who’s really into it I haven’t tried it for myself.  I am just the type who wouldn’t venture into something new without a companion.  Yeah, I’m a little dependent in that way.

Plus, I know that before running an actual marathon I should be well prepared.  So, finally I’ve decided last Friday since it is a holiday, I’d start waking up early and try to do some jogging for start.

And thru updating my facebook status, a friend Kymme told me that there are training programs available from the internet. And I’ve found this online, click here.

It is a beginner’s running schedule and it promises to get the runner’s butt head off from the couch onto the roads in just three months.  It is just a few minutes each week and each session should take about 20 or 30 minutes.  Perfect for my schedule because I plan to do this every week ends only.

And for those who would like to do this, just visit the link above and remember this.  Before setting out, make sure to precede each session with a five-minute warm-up walk or jog. Be sure to stretch both before and after.

The program schedule below will be the guide that I’ll be using in the coming weeks.  I’m excited to do this and have a happy running week ends!

 

Week

 Workout 1

 Workout 2

 Workout 3

1

Brisk five-minute warm-up walk. Then alternate 60 seconds of jogging and 90 seconds of walking for a total of 20 minutes. Brisk five-minute warm-up walk. Then alternate 60 seconds of jogging and 90 seconds of walking for a total of 20 minutes. Brisk five-minute warm-up walk. Then alternate 60 seconds of jogging and 90 seconds of walking for a total of 20 minutes.

2

Brisk five-minute warm-up walk. Then alternate 90 seconds of jogging and two minutes of walking for a total of 20 minutes. Brisk five-minute warm-up walk. Then alternate 90 seconds of jogging and two minutes of walking for a total of 20 minutes. Brisk five-minute warm-up walk. Then alternate 90 seconds of jogging and two minutes of walking for a total of 20 minutes.

3

Brisk five-minute warm-up walk, then do two repetitions of the following:

  • Jog 200 yards (or 90 seconds)
  • Walk 200 yards (or 90 seconds)
  • Jog 400 yards (or 3 minutes)
  • Walk 400 yards (or three minutes)
Brisk five-minute warm-up walk, then do two repetitions of the following:

  • Jog 200 yards (or 90 seconds)
  • Walk 200 yards (or 90 seconds)
  • Jog 400 yards (or 3 minutes)
  • Walk 400 yards (or three minutes)
Brisk five-minute warm-up walk, then do two repetitions of the following:

  • Jog 200 yards (or 90 seconds)
  • Walk 200 yards (or 90 seconds)
  • Jog 400 yards (or 3 minutes)
  • Walk 400 yards (or three minutes)

4

Brisk five-minute warm-up walk, then:

  • Jog 1/4 mile (or 3 minutes)
  • Walk 1/8 mile (or 90 seconds)
  • Jog 1/2 mile (or 5 minutes)
  • Walk 1/4 mile (or 2-1/2 minutes)
  • Jog 1/4 mile (or 3 minutes)
  • Walk 1/8 mile (or 90 seconds)
  • Jog 1/2 mile (or 5 minutes)
Brisk five-minute warm-up walk, then:

  • Jog 1/4 mile (or 3 minutes)
  • Walk 1/8 mile (or 90 seconds)
  • Jog 1/2 mile (or 5 minutes)
  • Walk 1/4 mile (or 2-1/2 minutes)
  • Jog 1/4 mile (or 3 minutes)
  • Walk 1/8 mile (or 90 seconds)
  • Jog 1/2 mile (or 5 minutes)
Brisk five-minute warm-up walk, then:

  • Jog 1/4 mile (or 3 minutes)
  • Walk 1/8 mile (or 90 seconds)
  • Jog 1/2 mile (or 5 minutes)
  • Walk 1/4 mile (or 2-1/2 minutes)
  • Jog 1/4 mile (or 3 minutes)
  • Walk 1/8 mile (or 90 seconds)
  • Jog 1/2 mile (or 5 minutes)

5

Brisk five-minute warm-up walk, then:

  • Jog 1/2 mile (or 5 minutes)
  • Walk 1/4 mile (or 3 minutes)
  • Jog 1/2 mile (or 5 minutes)
  • Walk 1/4 mile (or 3 minutes)
  • Jog 1/2 mile (or 5 minutes)
Brisk five-minute warm-up walk, then:

  • Jog 3/4 mile (or 8 minutes)
  • Walk 1/2 mile (or 5 minutes)
  • Jog 3/4 mile (or 8 minutes)
Brisk five-minute warm-up walk, and then jog two miles (or 20 minutes) with no walking.

6

Brisk five-minute warm-up walk, then:

  • Jog 1/2 mile (or 5 minutes)
  • Walk 1/4 mile (or 3 minutes)
  • Jog 3/4 mile (or 8 minutes)
  • Walk 1/4 mile (or 3 minutes)
  • Jog 1/2 mile (or 5 minutes)
Brisk five-minute warm-up walk, then:

  • Jog 1 mile (or 10 minutes)
  • Walk 1/4 mile (or 3 minutes)
  • Jog 1 mile (or 10 minutes)
Brisk five-minute warm-up walk, then jog 2-1/4 miles (or 25 minutes) with no walking.

7

Brisk five-minute warm-up walk, then jog 2.5 miles (or 25 minutes). Brisk five-minute warm-up walk, then jog 2.5 miles (or 25 minutes). Brisk five-minute warm-up walk, then jog 2.5 miles (or 25 minutes).

8

Brisk five-minute warm-up walk, then jog 2.75 miles (or 28 minutes). Brisk five-minute warm-up walk, then jog 2.75 miles (or 28 minutes). Brisk five-minute warm-up walk, then jog 2.75 miles (or 28 minutes).

9

Brisk five-minute warm-up walk, then jog 3 miles (or 30 minutes). Brisk five-minute warm-up walk, then jog 3 miles (or 30 minutes). The final workout! Congratulations! Brisk five-minute warm-up walk, then jog 3 miles (or 30 minutes).