About Me & My Blog

Welcome to My First One Million Pesos!

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You must be wondering what this blog is about. It’s about me and my struggle to build my first million.

Contrary to what some of you may think, I do not live in Spain or Mexico. The”peso” I am talking about is the Philippine peso.

I started this blog when I turned 31 years old. I live in a 3rd world country where hope of making millions is tucked permanently into everyone’s dream world. I am here to remind myself that maybe THAT DREAM can be realized into a GOAL. I’m not a finance or accounting person, but take the advice here as advice from someone who’s learning and experiencing the joys and pains of personal finance.

I don’t know if I’ll ever get to achieve my goal but hey I can try! Have fun reading about my financial ups and downs, you might learn a thing or two from my most memorable, beneficial and horrible experiences.

If you have financial advice for me, drop me a comment or a note but please do not ask me to pay you! After all, this site is about saving money!

I will also post some saving tips and financial tracking tools that you guys can use for your own saving frenzies!

Wish me luck!


e-mail: kimsan23@iname.com

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  1. saver said,

    Hi there. Good luck on your endeavor. It would be good if you can post you progress though… example would be to post how near you are to your goal, how long it took, your age, etc.

  2. kimsan23 said,

    Hi there saver! Thanks for visiting my site. Yeah I should add some info about myself and I definitely update my readers on where I am at the moment with regard to my goal. Keep reading!

  3. You know, you can make money from a web site like this if you want. But since your web site is hosted in WordPress, I’m afraid this would not be possible.

    I recommend using Blogger.com so that while you’re writing about your current adventures, you can earn money from relevant advertising, among other things, at the same time.

    But if you really prefer to use WordPress, then I guess I’ll have to leave you alone. Good luck in your quest though. I’m actually on a quest of my own too, and just recently went blogging full time.

    Well, gotta jet. Got some green money to make! *grin*


  4. kimsan23 said,

    Hi David! Thanks for visiting my site! Some friends of mine told me about ads as well. It’s really tempting but I’m not really sure about how I can go about marketing this blog.

    Have you heard about payperpost? What’s the lowdown on that?

  5. Nice read, and i am actually looking for some tips on financial management. I am a bit impulsive buyer, and can’t get enough saving to buy myself, at least, an iPod. Anyway, i’m looking forward for more of your posts.

    ps. i had you on my blogroll..

  6. kimsan23 said,

    Hi Charles! Thanks for visiting my blog :). I was at iBlog4 today too. I’m adding you to my Link Friends! Good luck in getting that iPod you want. Cheers!

  7. kimsan23!!! i think we’re both in the same direction, i know you’ve seen my blog.

    It’s not true that you can’t make money out of this blog already… well not on the conventional way. have you seen my sponsors page? they pay me to be there. At the moment it’s worth a thousand pesos a year…

    If you are in the Philippines, I’m really looking forward to meet and who knows, we might be able to help each other…

    I don’t think making a million pesos is just a dream… it’s a reality that we are holding away from us by our habits, so changing the habits WILL change your financial status…

    I’ll consider this a race, if you’ll allow me, but a friendly one since i’m thinking we’ll be team mates and the other 80M Filipinos sitting at home will be our competitors…


    • Robert said,

      hey guys! I came from poor family and getting a million pesos was like reaching the star for me when i was a kid, even when I am already at 30s. but i did not realize that “doing what like best and find ways that people will pay you in what you do”, is the key
      to make not only million but million pesos. reasons why?
      1. when you do what you like best in your life, you tend to spend
      the rest of your time doing it, and minimizing going out and
      spend, just to call it a day.
      2. Because of that desire to get million pesos, you start being
      thrift, which is good though, giving rewards sometimes to
      yourself is casual but you prefer on long benefits of what you
      are buying.
      3. The more you are earning the more you are motivated to
      earn more, till you get the target. but once you get the target,
      you urge for more.

      the only thing that scares most when you get your millions, specially if it is just one million is how you will maintain it and not lose it later. So you will keep on getting more thrift everyday.
      sometimes you realize you were happy before when you have less than a million because you can spend freely. On the other hand, having a million pesos gives you pride to yourself, made you believe that you can do more, that it is not impossible, that you are blessed somehow. and more….

      Just a precaution to those who would like to invest into business to increase their earnings, Dont go for lending investment. dont lend money because you are not quite sure of the borrower’s attitude to pay.. Had a lot of experiences, too bad ones…


  8. kimsan23 said,

    Hi PathToMillion! I read your blog every now and then. It’s really quite interesting! I always look for new things to do to make moolah and yeah, it’s really scary but we gotta do what we gotta do to get that million.

    I’m cool to race πŸ™‚ We should explore financial options you know. I’m not runnin out of steam on this one!

  9. Abby said,

    hi. i stumbled upon your site and im super glad i did. great, interesting stuff here. like you, im also looking for ways to earn myself a million bucks. i’d also like to try earning online. perhaps we can learn from each other. i hope you don’t mind exchanging links.

    have a great day!


  10. kimsan23 said,

    Hi Abby! I don’t mind exchanging links at all. Thanks for visiting me. How’d you find me though?

  11. frappo said,

    hi abby, i had acheved my million about a year ago but i still feel like:”then what?”
    i was only happy for a moment (about 48hours max) then, wala na ulit, i feel i need to achieve another milestone to be happy again. Eventually my brief happiness was converted to fear, fear of losing this million, of not being able to live up as a millionaire, of not becoming happy again until i’ll be able to get my 2nd million, of being guilty for not sharing this million to those who are in need. I have so many fears now compared to when i was not a millionaire. Why is this?? Is this what happens when we are focused too much in the material and monetary aspects of our lives? Can somebody give me a rationale to this ‘coz i really dont have a clue.

    • cesar said,

      Dear Frappo,

      real happiness is not having a million/s in your pocket but, doing your life purpose here on earth… God called us to do His will when we’re still on earth.

    • Robert said,

      Mr. Frappo,

      same feelings I have. too scary and worried too much, not like before… I think we just sit back and relax, and remember to live frugally. I think the formula to keep the millions in tact is to be simple, and earn more. spend less than we earn within a day or month. you are right for the ” then what” after earning a million.

      About you guilt of having a millions, and others don’t have it or need it, I hope there should be business experts to help us use this money, to help others, by putting a business that helps people by gaining discounts, access to cheap commodities, or cheap services or something, to improve the lives of average people, while earning as well in dong the business.

      Some sort of a win-win situation. no problem if it will gain little profit, as long as it is surely a safe investment.

      Goodluck in searching for more million pesos!!

  12. rinka said,

    financial freedom…i’m reading kiyosaki and colayco’s books.


  13. mike baso said,

    It is nice to come across blogs as this on the net. It makes me inspired as well to achieve the same goal. Good luck to all of us!!!

  14. thestylishtycoon said,

    hey there. i came across your blog from top blogs.ph, and i think your site is interesting. i also want to be an entrepreneur someday, and i’m taking steps to get to that goal. hope i could learn from you as well πŸ™‚

    check out my blogs http://thestylishtycoon.wordpress.com/ and http://chictraveller.blogspot.com/. hope they interest you!

  15. smocrassath said,

    Hi all!
    Nice site!


  16. i saw your site. i’m actually on the look out for people like you to feature in my blog. Hope you pay my site a visit and get your blog included in the list. More power to you!

  17. Visit my blog too. πŸ˜‰

  18. cybercesz said,

    hi! we had the same goal on our site…I think we could exchange ideas on the articles we can read on our blogs…hope we can make it!


  19. millionairenow said,

    Hi there!

    This site is an interesting find! I happen to stumble upon it while searching for opportunities during the financial “crisis.”

    Good luck on your quest. I know you’re on a “race” with other guys here. I hope you guys don’t mind if I join you and if I put up a blog very much like this one. πŸ™‚

    As for frappo, I think you’re have fears because after your first million, you haven’t set up your next goal. Maybe you should do that. Money is not our objective here. It’s merely one of the stats in our “scoreboard” of the game called life. If this were basketball, that would be your points. Why not make charity/community work as your “assists,” or putting up new business (to create work for people) as your “rebound” scores? πŸ™‚ That’ll make the game (life) more fun. πŸ™‚

    Anyway, good luck and God bless to us! πŸ™‚

  20. Sarah said,

    I recently came across your blog and have been reading along. I thought I would leave my first comment. I don’t know what to say except that I have enjoyed reading. Nice blog. I will keep visiting this blog very often.



  21. kimsan23 said,

    Thanks millionairenow! I need the luck!

    • Robert said,

      hehehe, no need for luck.. allyou need is courage and patience..
      everybody can do it…

  22. kimsan23 said,

    cybercesz – You are most definitely welcome to link any of my articles to your blog. Cheers!

  23. Good luck to us who always aspire to achieve financial freedom in life.

  24. Jean said,

    I like your byline : Aspire, Achieve, Acquire, Allocate. Its great to put your goal in writing, much more blog about it.

    Can I exchange links with you? I also accept other bloggers who are interested to exchange links. Just email me using the “Contact Us” link in my blog.

    I wish you success in your endeavor.


  25. autoterminal said,

    Wow, this is the most amazing title i ever read.

    congratulation for a bright idea.

    May i request an exchange link with you with my PR 2 blogs


  26. autoterminal said,

    let me know your feedback by giving me a comment

  27. extracebu said,

    It done i have added your blog on http://cebuimage.blogspot.com

    The other blog is http://extracebu.wordpress.com and i will add you there.


  28. Hi!! Link exchange?
    Pls link mine and i’ll link yours.

  29. What is the latest news in your 1 million dream?

  30. Visiting you again. πŸ™‚

  31. Sandro said,

    We have the same dream ..GO On!!!

    Movies 4 free on my site

  32. carlos said,


    • kimsan23 said,

      This is a very strange comment. But I approved it anyway. I hope you are happy.

  33. Rizza said,

    Hi po …Why setting a Goal if you can Manifest it through the Law of Attraction..Yap it is true !…like you i also endeavor 1 million kaya natagapuan kita dito…But the basic of the Law of Attraction is kailangan You have na the one million at be positive…for example ” i wish i have 1 million” with positve attitude un parang u have na it…22o sau magkatatao kasi marami kya atang connection at money tips….kapag kasi iniisip mong “ala pa kong 1 million.. 😦 ” un talaga mangyayari…Setting goal is very hard…kasi there are immediate circumstances that will drain your savings like un may biglang nangyari hindi maganda ganun…Pero goodluck nalang sayo…pengeng money..Joke πŸ™‚

    • kimsan23 said,

      Hi Rizza,

      Thank you for posting your comment. πŸ™‚ I do believe in the law of attraction but of course, I also believe in workign towards goals instead of just waiting for things to happen while wanting something so badly.

      If it was as simple as just making a wish, then we would have millions of millionaires! πŸ™‚

  34. OHH Great post! I’m loving your website;

  35. Sweet blog. I never know what I am going to come across next. I think you should do more posting as you have some pretty intelligent stuff to say.

    I’ll be watching you . πŸ™‚

  36. vegaschk1104 said,

    Hi Kimsan,

    I stumbled upon this blog by accident and I can’t help but admire your perseverance…
    I live in Las Vegas NV USA and have acquired a fair amount of money in the course of a few years through Marketing… I find that the best way to make money is through Customer Service, this is what I do, I create Marketing Speeches and Presentations for Companies to attract customers…
    Currently, I am working on a presentation that will dominate 70% of Europe! this presentation is to invite Europeans to visit Las Vegas and I need someone in Asia to translate my work… I speak tagalog and visayan but between traveling and business meetings, I do not have time to translate… will you be intersted? my company will pay you of course!

  37. sandrar said,

    Hi! I was surfing and found your blog post… nice! I love your blog. πŸ™‚ Cheers! Sandra. R.

  38. Hi! How about setting a goal on the age you should get your first million? I think making a time frame makes the goal even more realistic and it motivates you more. Good Luck!

  39. It was nice to know your achievements, continue reaching for more success! God bless

  40. joeycalangan said,

    Hi, the answer is simple. If you just want to earn a million pesos, work abroad. You can earn it probably less than 5 years of hard work. But if you want to earn millions, make a business.

  41. Jonha said,

    Just like every Filipinos, we all want to save, I support you in the cause and may God bless us as we stand a little taller in reaching our goals.

  42. Menard said,

    Hi There. I’m 38 yo Software Engineer and my net worth is about 330,000 USD (about 15 million pesos) with no debt. This is way above the median household net worth here in the U.S. for my age but I still live below my means. This means brown bagging my lunch, driving a 10-year old car, and owning a modest home. I do splurge once in awhile in electronic gadgets but I rarely buy the latest and the greatest.

    That said, I am fully aware that I won’t be able to bring to my grave everything that I have accumulated. So I regularly give monetary contributions to my local church and engage in charitable giving. Like you, I enjoy keeping track of my net worth but I do it as a way to count my blessings. I remind myself from time to time that everything I own really belongs to God so I try my best to give back whenever I can.

    Hope you do the same when you achieve your goal.

  43. Interesting… I’ll put this in my blog roll.

  44. Tim said,


    Well said. We should learn how to give back!

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  46. Kevin said,

    Wow ok itong blog a…
    sana magkaroon din ako ng pera…

    hay kelan kaya ako yayaman.. hindi daw madali ang kumita ng one million ngayon sabi..


  47. The great thing about the web and internet business is that it transend culture, race and creed. Anyone willing to put in the timeand effort can succeed. thre is no rocket science, just find a successful mentor and follow them

  48. jane said,

    nice blog is it real?

    • kimsan23 said,

      Yes ma’am!

  49. Wow great to connect with Filipino bloggers making money online. Hanep pre! Goodluck satin.

  50. cyrussar said,

    sabi sa akin i need to dig deeper to myself to find my true niche.to get the million bucks.i dont know.maybe you try it.a million pesos to each and everyone of us

  51. gilcar said,

    I’ve just seen your url from dti. wondering what’s the point of this blog? almost links anywhere from your site.. . . by the way i learned some ideas on how to make money online . . . visit also my site to make money online here’s my url

    Make Money Online Pangasinan
    Pangasinan Online Directory
    Car Guides and Reviews

    I hope this sites will be useful for visiting readers. Thank you!

  52. Aris David said,

    Philippines is no third world country my friend!

    It’s the uneven distribution of wealth that makes it look like a third world country!

    All I can say is good luck with your endeavours!

  53. Ban said,

    Glad to have stumbled on this site! We’re on the same road — financial success. Nakakatuwa kapag nakakakita ako ng mga tao who are thinking the same as I. Kudos! πŸ™‚

  54. Great blog you have in here. Good luck on your endeavor too. πŸ™‚

    Philippine Peso Exchange Rate

  55. FrugalOFW said,

    Hi, I came across your blog through top blogs. I find it very interesting! I instantly put your blog in my blog roll. Achieving our goal particularly in monetary aspects needs a change of our lifestlye. I am also nearing to one of my goals and that is to reach my first million next year. but my ultimate goals are to have a financial freedom and to get out of the rat race. πŸ˜€

    I am new to blogging and I hope I could get a chance to meet with you or other people who have the same interest to explore opportunities when I am back in Philippines.

    But for now, goodluck and God bless to all!

  56. Nestie said,

    Nice site, and i could we are at the same goal. though i am coming up from a 4 million personal debt, good luck to us

  57. ron said,

    I’m into it to. And I have P4,000.00 savings. Shit I’m so far!

  58. ron said,

    Not so far… very very far! Damn!

    • kimsan23 said,

      you are 996,000 pesos near your goal! πŸ™‚

  59. monrae said,

    I am into this goal din. . .Hopefully my projects would prosper. ? I love to make a blog also on “how i would earn my first million pesos”.. πŸ™‚ hope to find more business partners in mindanao area πŸ™‚

    09053857751 ..

    • Brisbane said,

      (I am into this goal din. . .Hopefully my projects would prosper. ? I love to make a blog also on β€œhow i would earn my first million pesos”.. hope to find more business partners in mindanao area)

      Hi Monrae Im from Mindanao Area Davao City, I hoped I can help you..

      • monrae said,

        hi brisbane, Sorry i just saw your reply. hehe. your reply was a year old already. by the way, How could I contact you?

  60. gilmylchi said,

    Hi, you should have a plan on your goal. First, spend less than what you earn, save as much as you can, and then invest some portion of your savings for a long time.

  61. Rowell said,

    Guys, it’s true being millionaire will not make you happy but having money,you can have the materials things you wanted.

    I’m worth more than 10M (ten million pesos) but still aiming for more.

    Tell me please what I’m gonna do with 10M, i prepared my last will under my sister’s name (in case) or better sell off my 2 condo units and 2 apartment and enjoy.Life is too short.
    Need your advice

  62. zorann said,

    Hi there kimsan, your blog is very interesting. Can you update us on where you are now with your goal?

    About me: I graduated from college in 2000 and started working at the age of 22. A year later I started investing in a government cooperative that offers a 13% annual interest rate and invested 20% to 50% of my hard-earned salary for the next 9 years. In 2008, at the age of 30, I earned my first million by just rolling-over the annual interest to the principal amount. The overall value of that investment is now around P3.7M. I am now 34 years old and planning to start a business or venture in higher-risk investments.

    These are some of the things I practice and do to make my money grow:

    1. Be debt-free. I don’t have a credit card and I only use a debit card to make online purchases. My motto is: If you can’t pay it in cash, then you can’t afford it.

    2. Live below your means. You can consider yourself rich if you can live comfortably by spending less than you can earn. My expenses are low since I am still single and I don’t have any expensive vices. I’m not into items of status symbol. Having said that, I’m also conscious about the thin line between being frugal and being dirt cheap.

    3. Health is wealth. I learned this the hard way. For 3.5 years I was working in a high-paying but stressful 9-hour job. I abused my body by working very long hours, sleeping late, and living an unhealthy lifestyle of high-calorie fast foods, coffee, energy drinks, and little to no physical exercise. I was diagnosed with type 2 diabetes in late 2009. I became irritable and easily became physically tired, so my work output suffered. I was spending my vacation and sick leaves on hospital check-ups and resting at home. I spent more than 20k on hospital and medicine bills and lost thousands of pesos more on opportunity costs (salary that I should have earned if I were not sick). I eventually resigned from that job and am now earning online. I am now conscious with my diet and exercise regularly.

    4. Invest in yourself. I don’t mind spending a lot of money on training/seminars/certification if it will increase my earning potential in the long run. I allocate a yearly budget on training and certifications.

    5. Build your contacts. I cannot stress how important this is. The more people you know = more doors will open for you = more opportunity to earn / learn / etc.

    Well, these are the things I can think of right now, but there are other things I may have forgotten to add here.

  63. catarina said,

    i wish you can save a lot of money^^

  64. Jeremy said,

    Anything is possible in this world now with many opportunities making money online

  65. million pesos is just about 20k of euros. many business models allow to make such money in a few years time! just pick any business and grow it until you reach your goal

  66. JC said,

    Nice blog Sir!

    I’m in my mid 20s and my goal is to be a millionaire at the age of 30 πŸ™‚

    Sa ngayon pag pinagsama sama lahat ng savings at investments ko nasa 300k pa lang πŸ˜€

    Sana talaga bago ako mag 30 ma-achieve ko yung goal ko.

    Hirap lang kasi online ang work ko so hindi sya stable. Kaya siguro nakaipon din ako ng ganyan dahil takot akong gumastos ng gumastos dahil nga sa nature ng work ko lol.

  67. Dream big dear. That’s where all would start. I did the same thing when I was even younger when I started to dream. Look at me now, successful and happy.

  68. Menard said,

    Hi all,

    I just happened to bump into this thread, which I originally replied to 5 years ago. I just thought that it would be very motivating to everyone for me to provide an update.

    My household net worth has more than doubled since, up to $777,000 or about 35 million pesos (from $330,000 above or 15 million pesos); thanks to God’s provision and the 3 year US bull market. To put this in perspective, the median household net worth of someone my age (I’m 43) is only about 70K.

    Here’s the breakdown:

    Assets ($ 943,000):

    510K – retirement (70% stocks, 30% bonds)
    326K – house (Zillow valuation)
    77K – remaining college fund for my 2 kids
    (my eldest is set to graduate in a month, debt free)
    30K – cash for emergencies

    Liabilities ($ 166,000):

    166K – mortgage

    I personally do not include the value of my cars or other personal properties to my net worth; nor do I include credit card debt because I always pay the entire balance off every month.

    I’m not going to give specific investing advice, as it may not be applicable to everyone. But here are a few tips:

    1. Save, and save aggressively. Up to 30% of your income, if possible. This often requires that you live below your means.

    2. Read more about investing and asset allocation. Invest a good portion of your savings aggressively (if you’re still young). But never put all your eggs in one basket. Make sure you put at least 3 months of living expenses in cash for emergencies.

    3. Live a healthy lifestyle. Remember, you don’t want your health to be a liability.

    4. Buy insurance that make sense for your needs.

    Hope this helps,


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