Archive for category: Finances

We have already discussed two budgeting principles in the previous articles. Below we proceed to the third, let’s have a review: The first principle in budgeting is Piso ‘Yan and the second is Kurot principle. Now, let’s go the third: the 70-20-10 Principle. Ito ang pangatlong prinsipyo. Apply the 70-20-10 Principle. If you want to be an Unleasher, starting today, live within 70% [...]

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Nakakita ka na ba ng taong nag-planong sirain ang buhay niya? Malamang, hindi pa. Pero bakit maraming taong sira ang buhay? Kasi, hindi sila nag-plano ng kanilang buhay.  Ang sabi nga nila, “People don’t plan to fail, they just failed to plan.”   Ito ang isa sa pinakamalaking problema ng mga Pilipino. Hindi tayo marunong mag-plano. Asar na asar tayo sa pagpa-plano. [...]

An old saying goes, “It doesn’t matter where you came from. It doesn’t matter where you are right now. What matters is where you are headed.”  Hindi na mahalaga kung baon ka sa utang ngayon. It doesn’t matter kung pinahirapan mo ang sarili mo noon. Bakit? Kasi nakaraan na iyon. Wala ka nang magagawa. Pero what matters is where you are headed.  Ang [...]

Before I continue to discuss the third step on how to unleash the highest potential of your money, let’s first have a review.  Step 1 is you must know where your money is coming from. Step 2 is you must know where your money is going. Step number 3 is you must believe that you can be financially successful. Kahit po [...]

In my previous article, we discussed the five stages in the life cycle of man – the Growth Years, Career Years, Family Years, Physical Deterioration Years, and Retirement Years. Mahalagang malaman natin ang mga ito upang sa ganoon ay mapaghandaan natin. Kung nasa Career Years ka pa, ito ang dapat mong gawin: save at least 20% of your income or save [...]

As we continue our study on financial management, mahalagang maintindihan natin ang tinatawag nating Life Cyle of Man.  Ano ba ito? Ang unang 21 years ng buhay natin ay Growth Years Ito ang mga panahon na nag-go-grow ka— physically (lumalaki ka), educationally (natututo ka, nag-aaral ka), emotionally (nagma-mature ka), at iba pa. Ang second phase ng buhay natin ay Career [...]

Last week, we learned about the two kinds of old age. Ano ang pagkakaiba? Obviously, si  Katandaan No. 1 ay pinagtatabuyan, at si Katandaan No. 2 ay pinag-aagawan. Bakit kaya? Hmmm…  pag-isipan mong mabuti ang tanong na ito: Pagtanda mo, pag-aagawan ka kaya o ipagtatabuyan ng mga kamag-anak mo? Ito ang masakit sa lahat. Wala ka ng pera, masama pa ang loob [...]

Alam mo ba na may dalawang klase ng katandaan sa buhay? Tingnan mo kung saan ka pupulutin… Katandaan No. 1  Halimbawa, magkapatid tayo at pareho tayong naninirahan sa Maynila. Isang araw, tumawag sa akin ang tatay natin na nasa probinsya. “Anak, puwede ba akong makitira riyan sa bahay ninyo, kahit tatlong araw lang, kasi may aasikasuhin lang ako?” Ang sagot [...]

After identifying the kind of “moneyger” you are and knowing the power of systematic investment, it is now time for us to discuss “10 Steps to Unleash the Highest Potential of Your Money.” These are simple and doable steps that even you can easily and immediately apply. Simulan na natin! The first step is to know where your money is [...]

Last week I discussed with you the different kinds of “moneygers.” I hope you already determined which kind you are.  This week, let me teach you the power of systematic savings. Here’s how: Assume you are 21 years old now and you’re earning around P10,000 a month. Out of this monthly income, you believe you need to save at least [...]

Last week, I introduced to you two kinds of “moneygers”—the Survivor and the Pretender. The Survivor, as I described in Part 1 of this article, is the moneyger whose expense level is almost just equal to his income level. Meaning, if he receives P10,000 a month, he also spends P10,000 for his monthly expenses. Remember the Gloria Gaynor song I [...]

Do you know that whoever you are and whatever you do, you are a MANAGER? Yes! YOU ARE A MANAGER! I’m sure many people will agree with this. And for us to handle money well, we need to determine, first and foremost, what kind of Moneyger we are. For many years now, I have learned that there are four kinds [...]

In my previous article, I already discussed three reasons why we need to manage our finances. Having understood these three reasons, I will now give you two more to complete the five. Reason no. 4 is because we need money to live harmoniously with others.  According to relationship psychotherapist Paula Hall, the number one among the top five things that [...]

This financial management series, which is taken from my upcoming book and from one of the most sought-after training programs of Unleash International titled “Unleash the Highest Potential of Your Money,” is not just intended for your reading pleasure. It aims to unleash the highest potential of your finances. I hope that this series of articles will eventually transform, improve, [...]