The Truth About Saving Money – Negosyo Tips

The Truth About Saving Money – Negosyo Tips

If you're currently saving money or planning to save, this chapter is for you. I want to share with you a truth that's rarely discussed — a mindset shift that changed how I handle money, and it might just change yours too.

My Awkward Coffee Shop Story

Let me start with a real-life story. Recently, I was looking for a video editor to help me with my vlogs. I met with a potential candidate in a coffee shop and explained the editing skills I needed. We agreed that he would edit one vlog as a test. A week later, he showed me his edited work — and honestly, I was satisfied. He passed the test.

But here's where it got awkward.

As I was about to leave the coffee shop, he approached me and asked if I would be paying him for the test edit. I was caught off guard. I didn’t know there was an expectation of payment — I thought it was just a trial. Even worse, I didn’t have any money with me aside from my bus fare and the coffee I just paid for. It was embarrassing. I couldn’t explain properly why I didn’t have cash on me.

So now, let me explain the real reason I don’t usually carry money — and it has everything to do with how I view saving.

Why I Don’t Save the Traditional Way

People often think that saving money is the path to wealth. But here's the truth: money is meant to flow — not to sleep. That’s why the real term for money is currency. And what does “current” mean? It means flow. Movement. Circulation.

Saving, on the other hand, is the opposite of what currency is meant to do.

If you simply save money and let it sit in the bank, you're doing the exact opposite of what money was designed for. You’re stopping its flow. And guess who benefits from that? Not you — but the bank. Because when you save, the financial institution uses your money to fund ventures and generate profit — while your own money stays asleep.

That’s why many people struggle financially — not because they don’t have money, but because their money isn’t moving.

Savings Is Not the Enemy, But It Has a Proper Place

Now don’t get me wrong — I’m not saying saving is bad. There’s a place for it. Saving for insurance, healthcare, or your child’s education? That’s smart. That kind of saving is for protection, and it’s worth it.

But if you think saving alone will make you rich? That’s where the problem lies. You don’t get rich by saving. You grow wealth by circulating money.

Stock market investments? Unless you own the business or have control, that’s still passive saving. You’re hoping your money grows, but you’re not in control of the outcome. It’s sleeping money. Someone else is making it move — and profit.

Cash Flow Is King

The real secret to growing your finances is cash flow. When your money is moving — and each time it moves, it returns to you with profit — that’s when you're using money as currency.

There are two ways money can work for you:

  1. Capital gains – like buying and fixing a used car, then selling it at a higher price. Profit, yes — but only once.

  2. Cash flow – like building a business that continues to earn even when you’re not there. The money keeps cycling back to you again and again.

That's why I always put my money in motion — into businesses, ventures I believe in, or financial protections like insurance. I don’t let it sleep. Even when I lose, I learn how to keep money moving.

So if you're wondering why I didn’t have money during that coffee shop meeting — now you know. Because I believe that money not in motion is money wasted.

Final Thoughts

To all my fellow entrepreneurs: stop just saving. Learn to circulate. Invest in businesses, in people, in assets that generate returns over and over.

It’s okay to lose sometimes. At least you’re learning how to control the flow. Because one day, the flow won’t just return your capital — it will overflow.

Back to blog