Frugal Idea #29: Embrace it, live it

I spent one hour in a car with someone who spoke my language.

He wanted to save, grow his net worth, and share his vision. So he invited me to a free 1 hour seminar on retirement. Of course, I accepted his invitation. My friend hitched a ride from me and we drove in typical San Francisco traffic which allowed us to have a very deep conversation. After catching up on our personal lives, asking who we were currently dating, & what fun activities we have recently accomplished, our conversation switched to his relationship with his Financial Advisor, mutual funds, and my dreams of creating a personal business.

My journey of frugal living, increasing my net worth, eliminating debt, saving money, creating multiple streams of income, becoming a better sales person, and entrepreneurship started not too long ago, but my passion seems to seep out of me more than ever presently. I truly believe in who you choose to surround yourself around with will influence your life, I believe that your thoughts become actions, and what actions you conduct become results of the life you live. At one point in my life, I was jealous of the rich and the successful and assumed they had it easy. I assumed they were born wealthy or at least were privileged to have access to more things in life. So for years, I played victim. I finally decided that I was in control of my own destiny. I wanted to look up to people who overcame many obstacles in their lives – celebrities and within my own circle. A good friend once told me that he chooses to not spend a single minute with anyone who was negative and did not add value to his life. I now choose to do the same. I choose to surround myself around those who also strive to improve their lives, value their time, and think positively. I admire those who are successful and instead of resenting him or her, I now ask, how did you do that?

So, this past year, I decided to brand myself as someone who is open to learning, open to receiving, and in return, share the knowledge I have gained. I started following blogs that inspired me (along with commenting and liking their posts), follow Tweets that reminded me of my goals, read every single day about a topic I did not understand (for example, bonds – what are those?), and watch/listen to videos, that shared my passion. I hope these videos inspire you in some way.

Video #1: When You Know Better, You Do Better – this video means so much to me. It shows that whatever mistakes you have made in the past, you can forgive yourself. That includes playing the victim, accruing so much debt, or making bad financial decisions. Whatever you have done, it is ok. You simply did not know better. What you did then does not reflect the person you are today. When you know better, you do better.

Video #2: Saving Money – The first financial book I ever read page by page was a book by Suze Orman: The Courage To Be Rich. I ordered it randomly via and it really has changed me. Suze was a waitress and changed her life around. Becoming a successful business person, she still found herself in a lot of debt and a situation she described struck me. She was at a restaurant and the waitress who served her probably made less than she did salary wise, but her net worth was definitely worth more. Here is a quick snippet of Suze!

Video #3: The Law of Attraction – A coworker once introduced me to “The Secret” by by Rhonda Byrne. I did not believe this at all. Fast forward years later, I now understand. What you think, feel, and do goes out to the Universe and it is returned. Once I changed my energy, the people I surrounded myself with, my thoughts and my actions, my life has changed. I was changing what I attracted into my life. This video is an example of what I choose to listen to while I clean or make dinner versus television that may not add value to my life.

Whatever it is you choose to do and have passion in, embrace it and live it. Only you can live the life you want. DREAM.

About the Blogger:


Neville (Nev) Bendiola grew up in the Mission District of San Francisco, California until the age of 10 before relocating to Sacramento, CA.  Growing up in a low income family, he slept on the floor most of his young life until he got his own twin size bed at the age of 10 – a memory he will always remember. Nev relocated back to San Francisco for college where he continued on in a career in Staffing Sales and Recruiting. Achieving financial success, he spent more than he earned using credit cards along the way. He found himself  carrying debt through the recent recession. Inspired by friends and reading success stories online, Nev moved into a Studio apartment in San Francisco’s Tenderloin district where he minimized his spending and material items. He is currently focused on saving money and sharing the ride with his readers along his journey to financial freedom.


Twitter: NEVBB