Yesterday at the market, I overheard a friend complaining about her financial struggles. She said, “Wala naman akong pambili ng negosyo, kaya di ko maumpisahan.” I totally get it, I’ve been there too. When I first started my online raket, I had no capital, just a smartphone and a willingness to learn. But I knew I had to provide for my siblings’ school fees, so I had to make it work.

I remember my first few months of trying to kumita online, it was tough. I felt like giving up, but my siblings were counting on me. So, I shifted my mindset - instead of thinking “no capital, no extra pera”, I started thinking “diskarte lang, may paraan”. I focused on using the tools I already had, like my smartphone and GCash, to start small and grow my side hustle.

Now, I’m not saying it was easy, but it was worth it. My siblings are in school, and I’m proud to be their breadwinner. The key is to have a financial mindset shift - from thinking you need a lot of money to start, to thinking you can start with what you have. No capital is not an excuse, it’s a challenge to be creative and find ways to earn extra pera.

For me, it’s all about hard work and using the right tools. GCash has been a game-changer, it’s so easy to use and it’s helped me manage my finances and send money to my siblings’ school. My advice to you is to start small, be patient, and don’t be afraid to try new things. Kumita online is not just for the tech-savvy, it’s for anyone who’s willing to learn and work hard. So, let’s do this, let’s make that financial mindset shift and start building a better life for ourselves and our loved ones.