And Audrey Was Her Name

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Do you think you still have the time? Trust me, you don't. Don't waste your youth on youthful things and experiences. Or at least, those that are sold by your generation, mine are the millennials.

I am now 40 and here is a list of what I wish I knew and done when I started working after graduation. I should've known back then to invest my salary as early as possible.

1. Memorial Plan and Memorial Lot

Cosmopolitan Funeral Package and Manila Memorial Garden

The monthly premium is not expensive and can be paid in full in 5 years. Get this out of the way as soon as possible.

2. Real Estate

It doesn't matter whether you know or don't know where you will end up in the next 5 years, but one thing you must do is save up for that downpayment for a house. A house is considered THE BIG ONE purchase for all adults. It is not your wedding expense. So, as early as your 20s, save up for a home you can call your own.

3. Insurance

Start investing in a life and health plan as early as you can. It doesn't have to be the most expensive plan because you can always upgrade in the future once your salary increases and your career progresses.

4. Car

This is going to be controversial. It always depends on where you work and live. If the commute proves to be exhausting, some would say, buy a car. I would not call it an investment because cars devalue as they age but the energy you put yourself into on a daily basis to function at your best at work is the investment. If one day, you do end up buying a property located in a suburb because the housing costs less, at least by that time you have already fully paid your mortgage on the car.

5. Stock and saving options

Now is such a great time to invest. When the economy is down, stocks cost less. There are so many investments and saving options offered these past few years compared to when I started out adulting. For example, the PAGIBIG Modified Savings and PAGIBIG Regular Savings programs. And this example is just the easiest and most basic for just about anyone who is a member of PAGIBIG can do.

This is not the most exhaustive list out here on the web. Just a short idea of what you could work on. Do your research. Plan it out and most importantly, focus on the goal.

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The pandemic that brought about a change in how students learn, especially in the Philippines, proved to be challenging. But those who are homeschooled, are quite used to the setup. Online school or studying from homemade you realize how the home atmosphere plays an important role in learning.

Now, I've scoured the internet and poured more than enough time spent just watching videos that kids from all parts of the world have shared about how they are adapting to the new change. And man, it was inspiring and also cute to watch.

The first thing they did was to create a study space. In the Philippines, not all parents are ready for it. But, thanks to shopping platforms that offer a wide variety of affordable equipment, it's not too, too, impossible.

Choose the best but not the most expensive equipment

Except of course, if you study programming or require the use of heavy apps for school. But, if you only use it for research, email, Zoom classes, and data entry, then an Intel i5 laptop will do. Schools allow the use of mobile phones and tablets when accessing learning platforms and modules. But, the best equipment can either be a laptop or a desktop.

1. Dell Inspiron Desktop Intel Core i3 8GB RAM 256GB SSD Windows 11

As of posting is below Php42,000.00

2. Lenovo Ideapad 3 14.0" FHD Intel Core i5-10210U 8GB RAM 512GB SSD

As of posting is below Php32,000.00.

Processor: i5-10210U

Speed: 1.6GHz

RAM: 8GB expandable to 12GB

Solid State Drive: 512GB

Operating System: Windows 11

It's all about the aesthetic.

Creating a good workspace is essential to learning and productivity. These items are all sold on Shopee and prices can vary depending on the store's sales promotion. The study space does not need to be a room if you don't have the extra space. It could simply be that less traffic corner in your house. Then, go for a minimal desk setup.

Lifetime Folding Chair and Folding Study Table

Need not be expensive.

Choosing wireless accessories will remove wire management hassle and makes the workspace a whole lot cleaner. A clean workspace lets you focus on the task at hand. These accessories go as low as Php 300.00.

Even though the schools are back to face-to-face classes, having a learning space that we feel safe, inspired, and motivated to come home to can produce rewards for your future and the remaining years of your academic performance.