THE RAT RACE CYCLEThis cycle is very common especially to Filipino Employees!FIRST STAGE: Working everyday to gain the minimum or average income. Or commonly known as the “no work, no pay” system.SECOND STAGE: And after receiving your income, you will automatically put atleast 1/2 of it to fixed expenses (rent,electric and water bills etc.) and buying things that are just wants and not needs.
THIRD STAGE: Stretching your budget, because it is...
