Just How Much Are Your Dreams Worth?

Carmina Bayombong

“What do you want to be when you grow up?”

When you were young, you dreamt of becoming a doctor, a lawyer, an astronaut, or even a celebrity. No matter what you dreamt of, one thing was sure — you had a good idea of what direction you wanted to take as you grow older.

So you create plans that will make those dreams a reality.

Unfortunately for some, these plans remain nothing else but pipe dreams too difficult to fulfill due to the lack of money.

In the Philippines, the common norm for every student is to finish his tertiary education and earn a degree. However, with periodic increases in tuition fees, more students and parents find it increasingly difficult to keep up with educational expenses.

Related: The Cost of Higher Education

In the 2017–2018 academic year alone, 268 private schools increased their tuition and school fees in accordance with Republic Act 6728 (the ‘Government Assistance to Students and Teachers Act’), a law that regulates an incremental hike in educational fees. This means that your school is more likely to increase their tuition fees every academic year.

But how much are your dreams really worth? If you’re looking for alternatives to help you achieve your goals, you might think that having money is the only way to reach your dreams — but that’s not the case. Sometimes, all it takes is the proper mindset and the right attitude to see things through.

If you want to finish your studies and become the professional you’ve always dreamed to be, here are the top things that you need to work on right now:


Meticulously manage what you do in your limited 24-hour day. Proper time management is one of the best ways to relieve stress, even if you’re focusing on studies and/or work. By knowing the value of time, you are more likely to make the right decisions in any situation. Always going out with friends every weekend? Rather than spend time on excessive leisure, spend time at home instead and find other ways to occupy yourself.

Learn how to say no to overspending!
Along with learning how to manage your time, your dreams will also ask you to be patient. The usual tertiary program requires over four years of studies before you can earn a degree and pursue a career in your chosen field — so make sure that you’re managing your time wisely!


Learning how to conserve energy, especially if you are working part-time to earn money for school fees, is important. No matter how passionate you are about realizing your dreams, don’t let exhaustion influence your drive to succeed.

Tired? That’s hustlin’ baby!
Remember that conserving energy helps both your physical and mental faculties to be constantly at their peak performance. Try to organize your schedule for the day so you won’t have to multitask — handling too many things at the same time often leads to mediocre results at the cost of draining yourself.

Learn how to work smart so you don’t waste your most precious resources — time and energy.


Understanding that money is an important resource for reaching your dreams should drive you to make smarter choices in terms of spending.

Are you having money problems that stop you from graduating college? Try searching online for student loan providers in the Philippines — you’ll find that many institutions offer workable plans to help you finish your studies and earn a good job after graduation.

There are institutions that value your success, too!

While this concept may all be new to you at first, don’t worry as some providers also offer financial guidance to help you plan for your professional future. Student loans via the Commission on Higher Education offer an initial maximum amount of P60,000 per student enrolled at the tertiary level, while other private financial help companies can offer up to P100,000.

The Philippines’ leading education loan provider, InvestEd, features a customizable repayment plan that lets you pay even after graduation, with reasonable monthly payments tailor-made for fresh graduates.

InvestEd also provides benefits for student borrowers through its success program, giving them access to financial literacy programs, employer networks, and other initiatives to help them achieve success.

Related: Top 10 Financial Advice for Graduating Students


Most parents and students who belong to low-income families often have the problem of funding tuition fees. Often, one of the ways these students curb this problem is working part-time.
Knowing how and where to properly spend your resources will help you achieve your dreams!

If you’re working part-time in a fast-food chain with an average hourly salary of P44, chances are you can earn around P7,000 a month. If you set half of this amount aside for your educational expenses, then you might be able to save around P20,000 in a semester. Consider this option if you’re having trouble finding the money to enroll. Discover how Mylene, one of InvestEd’s borrowers, turned her dreams into a reality.

Ensuring that you set aside money for more important things (such as your education) will increase your chances of having a successful career.

It all boils down to how you manage your time, energy, and budget. Pair that along with the right mindset and you’ll have the best formula towards bringing your dreams closer to reality.

Want to learn more about how you can apply for a student loan? Check out InvestEd here.