Financial Advice? Financial “Wisdom”, Advice, Budgeting, Tips, etc…

I was raised in a family with financial challenges and I didn’t want to go through the same trials when I got older. After seeking financial wisdom from God through his Word and others that He has put in my life, I’m proud to say I’m financially free from any debts (currently a co-signer for some credit companies for my brother and a friend of mine). I want to share my story with as many people as I can to help them get out of financial debts. Instead of hiding this knowledgleable resources, I want to share this with as many people as I can. Feel free to contact me on any of this or if you have any suggestions, feedback, questions, or even prayer requests….

After doing a budgent analysis 2 years ago, I was able to break down some categories where I put most of my money in. These are the following categories I got in order by month:


High School Days

I wished we could’ve learned about “financing” earlier , like in high school. I didn’t really “learn” until after college. I grew up not really knowing how much I needed to “save”. I did save money for college back in my high school days. However, I spent my paycheck in my job(s) like it was “candy” coming out of a “gum ball machine”! For example, I wanted the “cool” expensive “Oakley style sunglasses”. However, I didn’t want to spend that much, so I got an almost “second” to near expensive style sunglasses called “Bolle”. Well, within a week or so, I lost these one-hundred dollar pair of fancy expensive sunglasses 😦 ! I was working my fast-food job at Taco Bell. I didn’t like wearing my uniform before walking (2-3 blocks) to work, so I would carry a duffel bag with my work-uniform and change in the restaurant’s Men’s Restroom. While changing, I forgot my sunglasses that I laid on top of the sink or toilet??? Well, when I remembered this, I went back and it was gone 😦 This was the last time I spent this much on “sunglasses”. Since this “life-learning” experience, I ‘ve bought cheap “discounted” sunglasses (e.g. gas stations, discounted grocery stores, etc…); However, I try not wear them if I really need to now (e.g. driving when the sun is setting or rising in front of me), which is another “health-related” (see => Medical: How to improve your eye sight Part Two? ) long story!

Money Saving Tips For Students | Financial Advice – YouTube

Money Management Tips For Teens – YouTube

College Days!

When I went to college, I was fortunate and blessed (thankful to God) to get a “full-ride” scholarship for 4+ years. However, I still had my “Room & Board” (Fees and Bills) to cover! I lived in the residential halls all 4 years. I look back and wished, I learned how to live “on my own” in “off-campus” housing to learn about “saving money” more! It was expensive living “on-campus” . I should’ve cooked my food and learned how to live in a “house” (e.g. I would’ve learned about utilities and how to “conserve”) off-campus. Well, I was very “gullible” about credit cards. I was “sucked” into applying for every credit card that was given to me in person on campus. I would sign-up just to get a “free” prize (e.g. t-shirt). I didn’t learn much about “credit-limit”. Unfortunately, I would max all of my 3-5 credit cards on this “pyramid scheme” business my sophomore year!

-Credit Cards

Financial Advice for College Students + Credit Card Tips – YouTube

Credit Cards for College Students: Applications, Income … – YouTube


Budgeting 101 for Current and Future College Students – YouTube

Financial Literacy – 9 things a college student should know

Career Life

Living Paycheck To Paycheck – YouTube

How To Increase My Income?


Financial Literacy 101

William Ackman: Everything You Need to Know About Finance and Investing in Under an Hour

Q: Let me know what you think and feel free to reply with any feedback, personal suggestions-financial advice/tips, comments, etc…


Good News Financial

What’s your adoption story? Adoption, Orphans, etc… Outreach

Adoption Stories “Around the World”



Latino Adoptees Talk About Identity

875K subscribers
Latinos come in all shapes and sizes but our identity is probably one of the most important things that shapes us as people. Take a moment and listen to these Latino adoptees talk about the challenges they’ve faced growing up in different cultures and finding the beauty in their unique identities.



Adoptees Speak


Chelsea Patterson Sobolik

“..One of my favorite things to talk about is adoption! A large part of that stems from the fact that I was adopted from Bucharest, Romania as child. Apart from my salvation, being adopted is the greatest gift I’ve ever received. I grew up in North Carolina, with five adopted siblings from Eastern Europe!..”

1153 My Strength Is My Story with Chelsea Patterson Sobolik, Longing for Motherhood

Create Your Now
Published on Mar 8, 2018
Chelsea Patterson Sobolik shares her story of holding on to hope in the midst of childlessness in her brand new book, Longing for Motherhood.

Chelsea Patterson Sobolik:  She is a newlywed to husband Michael. She has worked for the U.S. House of Representatives on issues of child welfare, religious freedom, adoption, and foster care policy.

Chelsea was adopted as a newborn from Bucharest, Romania. She has written for The Gospel Coalition, 9 Marks, The Ethics and Religious Liberty Commission, and The Patheos Evangelical Channel…”

Delighting in the Greater Adoption March 11, 2014 | Chelsea Patterson Sobolik
“..Apart from the gift of my salvation, earthly adoption is the greatest gift I’ve ever received. I was an orphan—both physically and spiritually. My story began in Romania with a 19-year-old unwed girl who wasn’t able to take care of me. The Lord sovereignly chose adoption for me. I am blessed that a man and a woman from the United States made a decision that radically altered my life forever when they traveled across the world and chose me as their daughter. Adopted-Child1I was rescued from a life void of love and care and freely given a new life beyond my wildest dreams. Adoption is immensely personal, because I was specifically chosen, sought out, bought, declared to have all the rights and privileges of being a member of a new family, and most importantly, loved beyond belief. As I pause to meditate on my adoption from Romania, I cannot help but meditate on an even greater adoption. ..”


Instant Family (2018) – Official Trailer – Paramount Pictures

When Pete (Mark Wahlberg) and Ellie (Rose Byrne) decide to start a family, they stumble into the world of foster care adoption. They hope to take in one small child but when they meet three siblings, including a rebellious 15 year old girl (Isabela Moner), they find themselves speeding from zero to three kids overnight. Now, Pete and Ellie must hilariously try to learn the ropes of instant parenthood in the hopes of becoming a family. INSTANT FAMILY is inspired by the real events from the life of writer/director Sean Anders and also stars Octavia Spencer, Tig Notaro and Margo Martindale. Facebook: Instagram: Twitter: Hashtag: #InstantFamily

Meet the Robinsons, Trailer

Your Story?

I’ve met many people who have been adopted while living in Morris, Minnesota alone. Many would be blessed to hear and read their story, which is why I’m dedicating this website to open it up to have people share their experience (good/bad).

I hope people’s heart would be change by reading this story before, during, or after adopting. I’ve heard many sad cultural sensitivity issues, which is why I’m doing this.

I would love to hear your story on being adopted? Please contact me with your written story via e-mail or a personal interview.

Below are some examples of questions to e-mail me back w/your answers, but feel free to add any others:

How old are you now?
When were you adopted?
What country were you born in?
Where do you live now?
What were some positive-good experiences? What were some negative-bad experiences What were some struggles you faced growing up (eg. identity issues?)
What would you like your adopted parents to know?
Have you thought about finding your “biological” parents? If no, why? If yes, why?
Have you found them?
What was that experience like?
What are some suggestions that you would like to share with people in the “same boat” who have been adopted? What are some lessons that you feel people should know before they adopt from your personal experience?
Any additional questions, suggestions, prayer requests?

Sorry, if these questions might be very sensitive, but feel free to answer whatever you feel comfortable. Many of these questions came out of this Korean “Chasms” Adoptive Documentary Video, which I never knew what it was like being adopted. God has touched my heart with this issue because of the many adopted friends He has put in my life. I never experience adoption, but I can say we have been adopted by Christ-God’s family-when you come to know-Him!

Learn to do right! Seek justice, encourage the oppressed. [ 1:17 Or [ / rebuke the oppressor ] ] Defend the cause of the fatherless, plead the case of the widow.-Isaiah 1:17

What’s your adoption story?


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“Disclaimer: No part of this site is intended to solve, help, or be an answer to any problems or life challenges. Nothing on this site is to be construed as financial advice; the authors are not financial advisers. Please discuss your personal finances, including any options or ideas you may read on the internet (on this site or others) with your personal, qualified financial adviser before making changes to your financial lifestyle. We are not responsible for any adverse outcomes associated with using or misconstruing advice or information on this site. THANK YOU for stopping at our site! May you find what your looking for and “God speed” to good financial health and prosperity!”

Happy Mother’s Day-everyday! What are you appreciative most about your mom? L.A. Women, Ladies, Mom, Mother,  etc..

This morning (Sunday, May 10th of 2009) at church, I was inspired to add more to this after a great-time of worship. The worship leader (Johanna N.) shared about the “Shepherd” (Jesus) going after that 1 leaving the 99 sheeps.
*see Life: Backslidden-Parable of the Lost Son

I just felt the “nudge” to emphasize this great Biblical story using my own life experience. I shared about a time back in Junior High School when I got in trouble-serious enough to be sent to the Principal’s office and was sent home after being suspended from school for the rest of the day. I actually came home worried about what my parents was going to do. I came home “crying” to my mom and was greeted with an “unexpected” hug. I was actually expecting to get scolded. I look back at this and just thankful to my mom for her grace, which I see “God’s love” through this-similar to the Parable of the Lost Son/Sheep. I was trying to encourage the folks at church present that we all make mistakes and what we do (aftermath) is what really matters. When my Principal suspended me from school, I could’ve went somewhere (e.g. hide in some nearby “hangout” that many of my peers went- to smoke, do drugs, etc…) besides “home”-gotten myself more in trouble! This is what our Heavenly Father wants us to do-come with a repentent heart towards Him or “back in His arms again“! What I didn’t share is that I haven’t done this more than I should. I’ve made many mistakes and didn’t go back to His arms and dug a deeper pit or hole. PLEASE DON’T DO what I did and “run” to GOD! My Heavenly Father loves you more than what you think.

Also during my share, I talked about how we all need to be thankful to our “moms”. During “Sunday School”, I asked the kids what are they most thankful to their mom (a little different from the similar activity 2 years ago-see above). Some shared about their mom’s “great” cooking (I love my Mom’s Filipino food, which I appreciated more when I left home for college). With graduations coming-up, many graduates will be thanking their mom, which we need to do more than just once a year-everyday! I appreciate what my mom has done for me as I get older as I realize more what moms do (e.g. take care of children, house work, etc…) through babysitting or observing other moms. Also, meeting other people and realize how blessed I am. I shared in front of the congregation that I became more grateful after having friends, who would share about their stories of being adopted. I might not have the “perfect” family, but I’m thankful and love them!


Q: What are you appreciative (e.g. cooking-favorite dish, activity, characteristic, etc…)  most about your mom or someone who has been a “mom” to you in your life?

A Personal Encounter with Jehovah Witnesses this past Saturday morning-Are you prepared to know what to say to them? Religious: Jehovah Witness

A Personal Encounter with Jehovah Witnesses this past Saturday morning-Are you prepared to know what to say to them?

I decided to do this site today (Monday, May 4th of 2009) after getting “another” visit from the JW. Also, a “brother in Christ” just e-mailed me about his “visit” to a nearby Kingdom Hall. I’m anxious to hear about his story! I decided to equip myself better for the next visit by re “” some good sites and add them below. While chatting a good hour (10a-11am-an unexpected visit, which shows we need to have that “feet of readiness”-Ephesians 6) with them (2 of them) this past weekend:

They quoted Jesus’ “Our Father, who art in Heaven…” famous “sample” prayer, which I told them that “sample prayer” about “Kingdom (Heaven/Eternity) will come” can also be interpreted that It’ll not only come tomorrow, but TODAY too! I stated, “We need to live for today” despite all the “troubles” (e.g. “swine flu”) we hear about all the time. I was remembered this verse…

“Jesus Christ is the same yesterday and today and forever.”Hebrews 13:8

I (Sal) shared this verse after “encouraging them” about the “same power that rose Him from the grave is within us” (from Hillsong London). They look at me as if they never heard of it or wondering where it was in the Bible. I would later find out (search down below) that this book-Hebrews-is a good book to share with JW’s! Unfortunately, I was the one that ended our meeting as I stood up in the middle of this great conversation or Bible study time, which I look back and don’t know why-probably was trying to finish my “Saturday” morning chores (I was doing laundry that morning). It seem like they were “thirsty” as their doctrine-belief was “dry”. I prayed that evening for them and ended-up e-mailing one (met before through a community gathering) of them about a topic that seem to spark their interest-“Fireproof the Movie”. Earlier, we had a talk about many “marriage problems” that I have encountered with many people “lately”. As I write this, it seems like this “issue” on “marriage” has had a deep scar in these two individuals. Later that day, I shared this with a brother in Christ at this monthly get-together. He told me that when he had JW’s come, he stumped them with this question-“What made you join the JW’s?”. The individual JW started to “open-up” about his alcoholism. I’ll try to remember to ask this questions or something close and personal. Then this can be an opportunity for “Believers” to share their own testimony-instead of trying to get into a “theological debate”. Please pray that the “seeds of faith” that has been sown in their lives will continue to be watered and the “Truth will set them free”…God bless!!

Q: What have been your experiences with them?  Are you ready to know what to say to them?