Im a living proof that its possible to follow a dream.

My pursuit of becoming financially free gives me

experiences that is not easy. I hustled with unbridled enthusiasm. My nuisance meddled along the way, but I
allow nothing to stop me.

How a nurse invests in the stock market overseas, my first ever E-book I never envision. From a weakness
Ive been struggling Im so glad I made this far. God is really good for embodying me this courage to step-out
on my comfort zone.

Im encouraging you to allocate your most precious time to have a glimpse on my e-book. I am humbled to
dedicate this to you my readers, especially to my fellow OFWs and colleagues. This E-book is about journey
towards my Financial goal. It composed of compiled blog post coming from my first launched blog site
pinoyfinancialcare.blogspot.com.

Working abroad is not a hindrance to get Financially literate and savvy. May this serve as your inspiration to
take a leap towards investing.
Glory be to God!

Jorielyn Canezal, RN

PREFACE
PREFACE i
CHAPTER 1
5 Things I learned in Saudi Arabia 1
CHAPTER 2
5 Things I Considered before Investing 4
CHAPTER 3
How I Opened an Stock Account 7
CHAPTER 4
My Personal Experiences and Valuable Lessons in the Stock Market 10
CHAPTER 5
My Exit Plans and shared fellow OFWS Plans 16
EPILOGUE 22
REFERENCES 23

TABLE OF CONTENT (Clickable)

 pinoyfinancialcare.blogspot.com

CHAPTER 1
5 Things I Learned
in Saudi Arabia
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Is the glass half empty or half full? This expression has for many years highlighted the tendency for two
people to see the same situation in different ways. Before I decided working here in Saudi Arabia Ive heard lots
of negative impressions about its place and people. Even my own family had second thought of giving their
consent. Truly this place is not as safe like ours but for me I saw it as my green pasture. I see life and good
things behind the name of Saudi Arabia. Im sharing you my very own personal experiences I learned and what I
become while working in the kingdom.

1. Minimalism
In my case, we are just allowed to have off once a week. Since I'm tired of long weekdays I preferred
to stay at home and have my whole day rest. I had my malling time just to bought my groceries and some of
personal stuffs. I get used with this lifestyle for more than 2 years. Others may find it boring but for me I
embraced life of simplicity. Even in my leisure, I appreciated things like having a good sleep, reading financial
books, browsing internet and looking for additional passive income through online like blogging. Im so glad that I
made it in early years of my OFW career.

2. Frugality
Most OFWs upgrade their lifestyle as their income do increases. Their life priority is to keep-up
with the jonesses just to look fancy showing off in their Facebook and Instagram uploads. Theres nothing wrong
on bragging new stuff as long as you'll pay it in cash and that is your excess fund. For me, every single riyal I am
earning should be counted, knowing how hard being an OFW. I also have my monthly budget and did practiced
cooking my meal instead of eating-out. I dont buy new dresses every month. Im not a fan of designers thingy
and kinda "techy". One saving tips I learned in my own way, I usually wrote the date I started opening/using my
personal stuff like lotion, shampoo, conditioner, coffee, creamer, laundry soap, etc. In this way I know my
consumption for a month. I can now anticipate which item to add-up or remove in my monthly budget. I dont
know if its applicable to you, but its very useful to me.

3. Financially Literate
This is one of the best changes happens in my life, became financially literate. Facing real life away from
home, challenged me to make and keep up with my finances.

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During my free time in work I read financial related articles, blogs, e-books, or even watched you tube
videos. Unconsciously Im practicing what I'm learning and eventually became a habit to me. I even
subscribed to Truly Rich Club of Bo Sanchez to deepen my financial knowledge. I know this will be my
advantage while having an opportunity to work abroad and earning decent salary.

4. Saver and Investor

Honestly, I never knew before the proper way of saving. As I was reading financial related books, I learned
that to SAVE is you should less it before your income and what is left will be allocated to your expenses. I'm
so proud I did grow my savings while helping my brother finished his College years. Its tough decision at first
but believe me, it paid off. Having decent savings and separated funds for emergency, give me a chance to
started my investment. Gladly, I have my stocks and mutual fund investment. I just opened my account for
as low as Five thousand pesos (P5,000). I want to maximize everything that I can do to grow my money. I'm
planning to venture Entrepreneurship and started doing my diligence. I am always reminded that theres no
such thing as stability in working abroad, so every day for me is a must for preparation. Im looking forward
that soon this work will not be my means of living.

5. Submissive to Divine Will

As I said it's not been easy working alone and away from your loved ones. Only faith is my armor. I love the
song of Ms. Jaci Velasquez, Imagine me without You. Some part of the song is "Imagine me without you, I 'be
lost and so confuse. I wouldn't last a day without you there to see me through. I can't imagine my life without
Him. Living in an Arab country never hinders me to praise and worship God, instead I'd been more faithful
and less worldly woman.

I'm sharing you my story to hopefully inspire you. Our positive perspective will dictate our life to see the
abundance of God's grace.
I see my glass as half-filled!

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CHAPTER 1
5 Things I Considered
before Investing
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Investing is the key to building wealth. It allows our money grow in a period of time. Its easy to decide
yet we need things to consider before diving into. Im sharing you things I did before I began my investment.

1. Do Diligence
The first and foremost thing I did was, I learned the basic concept in investing. I invests in my knowledge as
Ben Franklin said, "Investing in yourself always pays the best interest. I started reading financial books like
Rich Dad Poor Dad of Mr. Kiyosaki. I followed financial related blogs and downloaded free financial e-
books. I watched also You Tube videos like complete episodes of Pesos And Sense. I attended Financial
webinars. And mostly, I paid my lunch, I subscribed to Truly Rich Club of Bo Sanchez and learned my very
basic understanding on stock market investment. I initiated my willingness to learn. I want to change my
Financial status and the only way is to educate myself financially.

2. Settled Debts (Bad)

Before I invests, I reminded myself to settled my debts. Honestly, during first half of my contract I used to
borrowed money from my colleagues. Im having hard time on managing my finances since I have my salary
deductions for my residence permit. I took the responsibility on paying my debts, and gladly Im freed from it
and turned myself into a lender. I did cut my expenses and created a budget plan. I set aside first fund for
my tithes, savings and then lastly for my debts. I did it slowly but surely . Discipline and commitment were
the keys.

3. Build Emergency Funds

Aside from paying-myself-first, I set aside fund for emergencies. Emergency fund covering my expenses for
3-6 months. Its my fall back fund to avoid from getting into debt. I am oriented that my investment at first
don't guarantee yet an instant return. In life uncertainty, I know my emergency fund will be my safe haven!

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4. Get my Insurance
Emergency Fund is different from Insurance. There are different types of it depending on our
needs. Insurance can provide protection from our big financial losses like medical emergencies, accidents,
sudden death, paying of estate tax . It covers our future expenses. As of my now, I have my term insurance,
Im planning to get my life insurance when I have my vacation in Pinas. You must Insure yourself too. Seek
Financial advice and choose your policy according to your needs.

5. Build an Investment Fund

When I began saving, I started setting aside fund for my investment. Twenty (20) percent of our income is
recommended to keep for investment fund but it may vary depending on your preference. We should learn
how to invest and let our money work for us.

As I stated above the guidelines before Investing, you now have an idea on what to do first. A little
introduction on ways to invest your money. One of them is through Stock Market. A place where we can
buy and sell the shares of big companies like SM, Jollibee, PLDT etc. In the Philippines we have Philippines
Stock Exchange Inc. located in Pasig City. Though investing in the stocks is risky but its potential returns is
so rewarding. It requires enough knowledge and guidance to begin with. I recommend this book for
newbies "My Maid Invest in the stock market.. and why you should too. This is a brief explanation on how
will you able to understand stock market in a simple way. Download your copy here.

Disclaimer: You need to talk to your Financial Consultant first for assessment before you jump into any investment
vehicle.

Knowing what you're doing is winning half the battle.

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CHAPTER 3
How I Opened
my Stock Account
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Is it possible an OFW can invest in the stock market? As an OFW nurse here in Saudi, I made my way
on investing in the stock market. How? First thing I did was, I chose my broker. I'm a Col Financial Inc. client
and so far I am very satisfied with their service. I am not paid to advertise here but I do recommend them.
It's platform is user friendly, and so easy to learn. To invest in the stock market via COL Financial, please
follow this guide on how I made it possible. ( How a Nurse invests in the stock market overseas )

1. Choose which types of account you want to begin with.

A. COL STARTER PLUS

Minimum investment fund is 5,000php. An entry-level account suitable for long term investing.
It Provides access to basic research reports, standard market information, and end-of-day charting data.

B. COL PLUS
Minimum investment fund is 25,000php.nIts for active traders. Provides streaming quotes, comprehensive
research reports and live chart data with some customizable features.

C. COL PREMIUM
Minimum investment fund is 1 million pesos. Its for the premier investor. Provides access to all available
features and a personal relationship manager dedicated to assist you.

2. Complete your Requirements.

A. Photocopy of one (1) valid government issued ID.

*Photo and signature must be clear. Affix 3 specimen signatures in the copy.

B. Billing Statement
Recent, no later than 3 months past.
*For OFWs who dont have proof of billings, you can use your COE (Certificate of Employment) instead

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When your done on the first two steps, follow this guide:

1. Download and fill up your forms here.

2. Scan your application forms and supported documents.
3. Send your scanned copy at helpdesk @colfinancial.com for checking.
4. When you receive approval mail from COL, you can now send your original documents via courier. Here's
their address and a customer representative to call for:

COL BUSINESS CENTER c/o Ms. Michelle Bacani

2403-B East Tower, PSE Centre
Exchange Road, Ortigas Center
Pasig City, Philippines 1605

It takes 5 working days to process your application from the date they'll receive it.

5.Upon approval, COL will send your account number in your e-mail address.
6. Then you need to fund your account to completely receive your log-in details provided with their given
default password.
7. Finally, the next day you're on the seat to begin with your very first stock pick.

If you have a friend on their way on vacation to Pinas, you can ask them a favor to drop your application
forms to COL office. That was my case, and my application process finished for only one (1) day.

For more information about stock market investment, COL Financial offers free seminar. Please visit their
site at www.colfinancial.com.

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CHAPTER 4
My Personal Experiences
and Valuable Lessons in Stock Market
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As an investor, I have my fair shares of lessons I got from stock market investment. At first, I am so
excited to dive-in even with-out a clear plan. I bought stocks that were trendy or what you called "hype
stocks" and don't set my exit plan resulting to "Ipit" hehe.. Though I knew there were Blue Chips stock , still
I didn't bother. From "Ipit stocks" I accumulated losses and having loss in portfolio gave me sleepless night
thinking on when will it bounce back. I did cut my losses then set a new trading plan. From then, I decided to
settled as Position Trader and Long Term Investor. Using COL Investment guide and TRC SAM table , Im
on the right pace doing my investment.

I want to share you, real life lessons that might help you and will serves as guide along your newbie
phase. Featuring my fellow Smart Pinoy Group members.

Here are some tips for you before investing in the stocks..

Magkaroon ng cash lagi na ready pambili! ^_^ - Gel Egipto Tenorio Barlongo

Dapat may emergency fund. - Cris Tan

Mag-invest lang pag may consistent cash flow. - GC Angelo Posadas Dumlao

Umahin ang emergency fund at insurance bago mag stocks para less emotion, deadma lang pagloss
- Brenda En Marcie Perez

Magtanong if ndi alam ,, para madadagan ang nalalaman ,, tulad q miss jorie very accurate ang GTC
sobra,,- Melanie Atienza Alcazar

Aral bago invest ...- Mary Grace Regibio Obligado

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More valuable lessons on attitude towards investing..

Wag magpanic :)
ako newbie , ngyayare skin pag bumaba bumibli ko tas d ko alm pababa pa pala, tapos pg nagbenta
ako, bgla namang aangat ng husto at syng na syng :) patience lng tlga.. :)) so far ok na natututo tuto na
ko sa mga mali ko , lalo khpon at ngaun dhl maghapon akong nakatutok hihih. cguro ok ung maglaan
nang ilang araw na nakatutok sa galaw ng market para mas matuto pa :)
- Rem Francis Delica

Sabayan ang hype kung kaya mo, hahahaha - Arvin Botor

Lesson po..wag magyabang sa gains and then maasar pag bumaba na ang presyo, hehe..
- Sylvia Lascano

Wag mag padala sa emosyon. And be consistent. - John Nazer Ang

Huwag palaging silip ng silip sa port if wla ka namang buying power...hahaha..maiinis ka lang at
manghihinayang if nagbaba price ng stocks na gusto mo..(ganito ako sa sobra excited everyday makita
ang galaw ng presyo sa stocks ko)- Medrano Eiram

Bago din po ako.hwag dalhin ang emotion pag sumali dito.focus sa goal.- Mingke Diwata

Patience is a virtue! :-)- Anaid Operio

Walangforever po tsaka #satamangpanahon uli - Mark Lawrence Mangapit

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Pro Longterm Investment tips on stocks..

Lessons learned,investment na longterm para masaya at peaceful ang buhay- Noddy Boy Padiernos

Lessons on epic fail trades..

Ako naman ang mag kwento / share: bought ION for 1.88 last day... Then yesterday nag closed siya for
3.0.. So happy siempre... Kagabi excited O-H ATO sell lahat ng ION... Plan ko is to buy Davin lahat ng
napagbilan kay ION...newbie eh... Nag mamadali... Kase nag closed ang Davin yesterday for 1.80... 2.50
na ang nadatnan ko price.. So bought lahat... Bahala na... Huli na ng makita ko na ang KISAME price lan
pala nya is 2.70... so un 2.39 ata last trading... So PULA na cia ngyon huhuhu... Anyhow the important is I
learned and i felt this way... Nakakapanghina...tsk tsk... Ganito pala dito sa Stocks investment ...
If you gain you win... If you lose you learned! - Anne Juliana C. Cruz

From GAIN to PAIN......OUCH..!!! nd n natuto...LOLZ - Efren Candelaria

Pag nakakulay green portfolio masaya tpos the next day bloody color na...mnsan kala mo mababa na
pagbili mo un pala my mas mababa pa. EXPECT THE UNEXPECTED - Yncar Pinlac

Hindi talaga maganda na yung minimum board lot lang bilhin mo evrytime. Lugi sa fees. Until now, loss.
- Fatty Maj

. Wala ng magawa...panay silip s port...red nman lahat kc mali ang timing ng entry/buy ko...aral aral pa
more - ChideMarie Calibo Ceniza -

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Decision making lessons in the stocks..

Layout your plan before investing,& stick to them. Don't buy/sell just because of the rumors, or just
because nakita mong red. Dito nagsstart yung "bumili ako kasi red lahat ngayon.." Then the next day
bababa pa pala & then you'll feel sad. Worse, by next month, an unexpected external factor caused all
stock prices to fall even lower.
Kung makakabili during lows, then okay, if not, just let it pass. Always remember fluctuating and
unpredictable ang market so the only thing that can be consistent is u. - newbie din - Marvie Brojan -

The higher the loss the better., Just keep on buying, It's the good time to lower the average price for a
higher return, maybe next year., hehe
- Emil Lucio Bardon -

Lesson learned ko..wag pabigla bigla..sa sobrang excited ko noon nabili ko si tel ng 3008 per share at 25
shares..ngayon 20% loss..hindi na nakabawi.. - Mercy Digal Vedarozaga

Lesson learned as long as meron kang Target Plan wag ka mag papanic.. Magpanic ka lang pag
lumampas na ang Target Plan mo at Loss ka padin :D . Trust your Self!!!
Dagdag ko.. Better know what you want.. If investor or Trader. kung anu mas like mo dun mo i focus study
mo..pag aralan lahat ng strategy.. Im sure never ka nang mag fafailed :) - Mark Jeff Blando

Stick to my trade plan wag greedy! haha... bigti! - Seira Cyberlaw

Takbo n habang my tubo pa hehe - Charles Calleja

Tanim lang ng tanim..darating ang panahon na uusbong, lalago at lalaki at magbubunga ang mga pananim
natin. Relax. - Ria Gara Laroya

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I Love saving and investing. Everytime I spent something , my mind will say that this thing is equivalent to 10
shares of ALI! I dont need to buy this item. Instead buy shares of stock. Happy investing everyone lalo na sa
mga kapwa ko OFW. Save save muna pag may time. Xx - Vicky Medida Timpug -

Invest in blue chips then start studying the mid cap size company with the aid of technical and fundamental
analysis one at a time - Edward Orjaliza-

But divide your investments among many places, for you do not know what risks might lie ahead.
Ecclesiastes 11:2 NLT - Marlon Montero -

Above all, this is the most valuable lessons we should learn.

Proverbs 3:13-14New King James Version (NKJV)

13 Happy is the man who finds wisdom,

And the man who gains understanding;

14 For her proceeds are better than the profits of silver,

And her gain than fine gold.

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CHAPTER 5
My Exit Plans
and Shared Fellow OFWs Plans
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Working Abroad has been my ultimate dream since I got my degree and had enough years of experience
as a nurse in the Philippines. June 24, 2013 when my journey as an OFW ( Overseas Filipino Worker) began.
Courage was just on my mind. I'm pretty sure I could make most of my OFW years. When I set forth, the
reality struck on me, its easier said than done. So true, homesickness exhaust you everyday since 'twas my
first time being away.

I wrestled on my 1st half of year, and eventually I adapted the changes. Right now I'm on my 3rd year here
in the Kingdom. After I finished my first contract, I made realization on settling home. Thinking of marital
aspects at 30 , Im so inclined to have my exit plan and continue my dreams together with my future hubby.
Being financially literate and been in an investment community are things I will take advantage.

Preparing for that year to come, I endow myself with new learnings and skills in my pursuit of becoming
working wifey/mom at home (a Blogger and aspiring Entrepreneur). In God's grace, I'm looking forward to
have a small family living in Bungalow Home, with Travel & Tour Business + Rentals + Paper Asset
Investment, living simply yet abundantly next to my neighborhood.

I want to share also an inspiring Exit Plans of my fellow OFW's in Smart Pinoy Investors group.
May their plans impart in your lives too.

1. Retire Rich, Retire Young A.S.A.P.

Build more passive income... :) - Carl Ramacula

2. I think 4 yrs working abroad is enough, in that years you can accumulate enough capital then create passive
income, invest wisely. - Rose Onirec -

3. Retire a very meaningful life.Not just rich but able to fulfill the purpose on why you are on this earth. There
must be a purpose. Find out why! - Rey Domingo -

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4. Retire at young age with abundance in life. Share to the needy what I have. - Jun Ansale Gabing

5. Have a plan.
And another plan when the original plan failed.
Some things to consider, if you look in Ads they usually look for 28 yo or below (pinakamatanda na 33yo sa
nakita ko pero very very seldom).
We cannot just say na "I'll just back to the workforce" ... we are competing with much younger applicants
with lower salary. (Of course unless one is so qualified)
I'll do business - yes you can but always have a back up plan. Competition might kill it. And if not how
profitable and FOR HOW LONG THE BUSINESS COULD SURVIVE.
In the latest survey I've read, to live decently in the province you need at least 15k ... "budget meal" na yan
kumbaga and it will go up if you: rent and school your kids in a private school.
15k x 12 months = Php 180,000
At least you have a 3 years buffer:
180k x 3 = Php 540,000
500k to live "minimally" for 3 years
Aside from that you must have set aside already Educational Fund.
In 2030, tuition fee could reach 600 to max 1M per sem (if the trend of tuition fee increase continues).
-Noel Gamboa

6. Im planning to retire working abroad before i reach the age of 35 +/-3 yrs. So far im on track. Great topic!
-Edgar Malonzo II

7. Ako kung papalarin i want to settle with you. :) - Jan Roy - (Aldub Comment )

8. Nice! kung aq nman gurl gusto q muna maka-build ng other streams of income, active and passive
streams by God's grace :) - Lilibeth M. Hipolito

9. Sana mgkaroon tayo ng franchise ng jollibee or gasoline station from ofw member
- Melanie Atienza Alcazar -

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10. Same idea here...gasoline station with 7/11 store...whew! mgkano kelangang capital? - Julius Pascua

11. Ipon muna ng buying power lol - Alex McPathon

12. 2020 vision: i need to have atleast P5M by Jan 08, 2020 extendable up up to June 8, 2020 pag node
pa na reach. Debt free ako nyan sa mga property na kinuha ko. Mag concentrate ako sa rental income at
the same time baka expert na ko sa day trading sa stock market. Hehehe in shalla...That time 9, 7 and 5
years old na mga anak namin. But of course it needs a lot of faith and prayers to God... Learn how
surrender everything to him and it will be done through him!- Anne Juliana C. Cruz

13. 7 years of plenty mag ipon.ipon muna..hanggang 2022... 10-10-20-60 formula.- Tania Felipe

14. Settle for good in the Phils not sure about that kasi plan ko magmigrate sa Oz or NZ. tuloy pa din
stocks investment while rental income sa parents ko ipapamanage. Everything I lift to God's will. :) -
Chindee Roldan -

15. For me? June 2016 I exit. I planning to marry my GF :D , now im work here in Riyadh KSA as DSL
technician in STC my earning is enough compare in PH. but I HAVE a Dream that someday I become
CCIE- (Cisco Certified Internetwork Expert) and as of now naumpisahan k na sya as CCENT. why I exit? i
like to finish my degree as an IT. at the same time I study AutoCad for creating our own house plan design ,
after 2 years 2018 I become IT degree holder. and also my Portfolio are created. I play in Stock Market.. IF
i master Stock market and i have fix income. i used that to finish my CCIE. 2020 ang edad ko na nito ay 29.
I apply as Network engineer in a Big Company Target is US. I'll bring my family in US and stay there for
good. and We decide to Go back to PH @ age of 40 :D and we live simple life , serving God and
Continously Investing in PSE as a source of Our Earning and Retirement Plan.. THanks God for
Everything . Sa Lord ang Papuri..
-Mark Jeff Blando

16. Fr qatar, retire young and hopefuly get married.hahaha

- Jepoy Palaboy

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17. Many are the plans in a persons heart,

but it is the Lords purpose that prevails.
Commit to the Lord whatever you do,
and he will establish your plans. - Larry Agapay

18. Backyard hog raising, free range chicken... Pagkain sa bawat hapag. - Jason Mark

19. 5 years prolong stay at riyadh....establish financial stability....get married...moving in at another country to
live for good....live life to the fullest with financial freedom. and sharing knowledge on how to gain assured
profit for future protection. - Grace Galinato

20. 1 business + farm + save montly + 2017= exit - Nattyspliff Ruggymuffin Yush

21. I'd like to apply my dream job being Flight attendant..=) - Sarah Sia

22. Siguro pag nagsawa na ako dito sa abroad pero sa isip ko may exit plan nako, pero parang gusto ko pa
talagang mag work here. tho single naman ako kaya siguro ganun. - Tao Po Ako

23. 5yrs more then bye dxb :) :) :) 2 real estates + insurance + SSS + travel funds + Educational plan +
passive income from stocks = retirement! :) -Brenda En Mercie Perez

24. Nasubokan ko n ang nagexit. Di umobra. Nagpatayo ako ng bahay...bumili ng truck. Pero yong income
tagilid....sayang kung invest ko n lng sana sa stock market o may nameet ako na mas Maaga para turoan
ako sa stock market baka noong 2004 nandon n akong namumuhay ng maayos sa pinas
. - Peter Jeronimo Rimando

25. Exit plan: once i reach the point of going for good, i plan to live simple and invest more on my health.
how? build cute and tiny house, plant more fruit bearing trees, veggies on my backyard, livestocks, poultry
etc... wake up every morning and joining breakfast coffee with my love ones. I had nothing to worry about the
rest, god is in control... - Homer Soriano

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26. Same also with me.. I will spend in my little farm....... - Gov Ej

27. Me? Sana umobra..want to be financially stable here in Ph...finish a master degree. More investments in
various financial vehicles, settle down, travel and write my own book..,dreams pa lang pero hoping IN God's
grace...one day magkatotoo- Hyde Duhaylungsod -

28. Di ako technically ofw pero lumaki ako sa pinas, siguro dito na ako til retirement, the thing with money
kasi kahit gaano kalaki meron ka mas gusto mo pa mas madami kahit siguro may passive income na ako
gusto ko padin magwork, til 40 siguro - Miko Shibata -

Though things awaits uncertain, May we always be reminded of His promise..

Jeremiah 29:11New International Version (NIV)

11 For I know the plans I have for you, declares the Lord, plans to prosper you and not to harm you, plans to

give you hope and a future.

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Your profession is not what brings home your paycheck. Your profession is what you were put on
Earth to do with such passion and such intensity that it becomes spiritual calling.
-Vincent Van Gogh-

Becoming a Professional Nurse is such a wonderful blessing. It bridges me to established a good

foundation on building the first chapter of my Financial journey. As I continue my march towards
Financial freedom, I welcoming it with fierce and fearless anticipation.

Im so grateful and proud I conquered my giants.

From zero knowledge to being financially literate.
From a poor spender to a mighty saver.
From being a saver to a newbie Investor.

Im on my way on expanding my horizon with optimism,

to move from an Employee to an Entrepreneur.
Changing my status from Singlehood and entering Marriage Life.
Achieving Financial security and hustling on my ultimate goal
on becoming Financially Free!
And lastly, to be a happy and generous Multi-millionaire in Gods Grace!

I know I can make another beautiful story for tomorrow.

And Im glad to write and share it again.
Till next time!

Jorielyn Canezal
Registered Nurse,

EPILOGUE
Stock Market and Mutual Fund Investor,
Cyberpreneur

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Im inviting you to like and visit my Facebook Page at Pinoy Financial Care
to get updated on my daily post.

Kindly visit my blog site at pinoyfinancialcare.blogpost.com for my latest blog post and dont
forget to subscribe . Im giving away freebies like e-book to my readers and subscribers.

Join us in Truly Rich Club of Bo Sanchez and be part of amazing wealth circle.
Experience Spiritual and Financial growth and abundance. Register here.

Be a smart Stock Investor. Get FREE Stock Market updates, Fundamental and Technical Analysis
from Pinoy Investor. SIGN-UP here.

REFERENCES
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A Special Thanks to my Mentor on Blogging

Sir Omeng Tawid,
For inspiring me to keep on going inspite the odds
I had on creating this ebook.

To my new found friend and sister, my co-blogger Lilibeth Hipolito,

For her generosity, and up-building words.
I appreciated you a lot!.

To my sister Jiemea,
For her support and positive criticism on my write ups.
Thank you so much!

To my partner Jan Roy,

For being my no. 1 cheer leader whenever Im about to quit.
Thanks for comforting me!

To my Family,
My inspiration, My strong WHY!
I know can do anything .

Above all, To You oh Lord,

For wisdom and unfailing love.
All the Glory to you, oh God.
In Christ name.

THANK YOU!
Amen!

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