I could not imagine the feeling of going to my destinations empty-handed. All I could do was to make another “poker-face” and I would often pray that the driver would give me a chance to sneak-out…If I was caught that time, my life would surely be in jeopardy. Many times I had to walk long distance to reach places and had to live with 10 people in one small room…

I dread those days! Looking back, I promise myself not to go back to that life, AGAIN!That was like a bad dream…

Finally, I’ve found a way-out and I was able to escape! I learned that being broke does not just happen overnight! It is a process and for us to escape it, is to really change our lifestyle and fill in the loopholes. It’s even so ironic that people who are broke today, don’t have any idea how they got there. 

A little ticket in the cinema, a little amount for an expensive coffee, and few beers can sum-up to a big amount. I was a movie person and part of treating myself was to always go to the cinema every weekend. I love the sounds, the screen, the place! When I was in the mall, the door of the cinema was always calling me, “Hey Arnel, get inside”! Little did I know that it was already part of my destructive spending. Earning money takes 15 days but to spend it  will only take few minutes.

After a year, I forcibly-sold it with very low price because I had to pay other debts. It piled-up and did not happen just once.  It became a bad habit and resulted to chain-reactions.

I engaged myself in both Financial and Christian community. My Victory Christian Fellowship ( VCF ) family and churchmates are always there to guide me and opened doors for me to have a harmonious growth in all aspects as I’m working on my  real purpose which is to always bring back God’s glory.