Mr. M uiligan,
I forgot to add some suggestion. Use only 40% of your money for doing business, the other 30% is for holding on to your business till its grow and the remainder 30% is for your rainy days.
I have lived in Cavite, just outside Manila for 15 months already and I am not a rich man and I am not doing any business cos I still haven't found what I am loping for. I didn't live like pauper nor like a Duke. I just lead a simple and humble life and always look out for a better tomorrow.
Please take care and God bless.