Book Review….
Copy from “Perang di Bitin”
This book help me to open my eyes in terms of budgeting…
For the author, if ever you read this, please don’t
get mad at me for copying your book…..
I did this because I am very thankful for the big
help… It’s very helpful..
The book is so precious and I don’t want to lose
the moment not to include this in my blog..to share
it with others who really need it.. I don’t let the book
fades… A 3 days effort of typing, encoding and copying
every words in the book to internet is not an easy thing..
But by doing this I feel so satisfied…a way like you
to share it with others..
Thank you very much…May the dear LORD guide you and
your family always….
Strategy 1
Save
Man: God, how long is eternity to you?
God: Eternity is only one second to me.
Man: God, how much is one million bucks to
You?
God: That’s nothing to me.
Man: Please, God give me one million
bucks.
God: Sure, in a second.
Mag-ipon
Para makaipon ng iyong unang milyon,
Kailangan mong mag-umpisa sa pag-iipon ng
Piso-piso. Huwag mong isipin na maliit ang piso
Para ipunin. Kahit mga barya na nasa tabi-tabi
Lang, ipunin! Develop the habit of saving.
Mag-ipon, hindi lang paminsan-minsan
Kundi tuwing sasahod ka o tatanggap ng profit
Sharing sa iyong negosyo. Be super aggressive
And disciplined in saving.
Nag-start ako sa pag-iipon ng atleast 10%
Of my salary, tapos nagging 15%, and then 20%
And then up to 50%. So kung and sweldo mo
Ay P10,000 a month,start saving P1,000 every
month. Kung P20,000 a month, eh di P2,000
a month ang i-save mo or even bigger. Discipline
at pagtitiis ang kailangan. Para alam mo kung
saan napupunta ang iyong pera, gumawa ka ng
savings and spending diary. List down in a
notebook ang lahat ng iyong natatanggap na
pera, at lahat na lumalabas. Do it daily. Mga ten
minutes a day lang ito. You become more
conscious about your spending pag may budget
diary ka. Then at the end of the month, look at
your expenses carefully. Tingnan mo kung saan
ka pwedeng magcut-down ng gastos. By listing
down where you spent your money, you’ll be
Encouraged to save and think of ways to
increase your income.
Kung wala kang didiplina (gaya ko) or time
(gaya ko), I found out that there is an easier
Way to save and set aside money.
The “automatic millionaire”
Savings system
one day, I was at a bookstore and I saw the
book The Automatic millionaire by David Bach.
Excited akong nagbasa nang 30 minutes habang
Nakatayo! Nakuha ko kaagad ang nga best
Practices ng mga automatic millionaire sa
America. Makapal ang libro, pero simple lang
Ang prinsipyo: keep on automatically saving a
Portion of your salary or income every month.
Paano? I followed the advice in the book.
Tinawagan ko ang bank manager kung saan
Dinideposit ang aking salary at kita sa iba’t
Ibang negosyo naming mag-asawa. Nakiusap
Ako sa bank manager,”please automatically get
50% of the amount in my current account and
Put it in a separate special savings time deposit
Account, at the end of every month.” Pumayag ang
Bank manager at sinabi, “sige , bigyan mo lang
Kami ng sulat with your instructions para may
Record kami ng request mo.”
Here’s a copy of the letter that I wrote:
To: (name of bank manager)
(name of bank)
(Branch and complete address)
Via fax (ax number. You may fax this letter or
Personally deliver it to the bank)
From: (your name)
Date:
Re: Automatic Transer o Funds from (put here
Your account name and account number where
You receive your salary or dividends) to Special
Savings Time Deposit Account( put here the
Account name and account number of your new
Special savings account)
With regard to our conversation earlier,
Please automatically transfer the amount of (put
Here the amount or percentage of your salary or
Bank balance that you want to be taken from
Your account. You can start at 10% or up to
Even 50% or more, depende sa iyong kakayahan
Or budget) from my (state again the account
Details where your salary or profit shares/
Dividends are deposited) every 30th of the
Month (or whatever time you decide on)
Please make this special savings transfer
Arrangement effective(indicate the month and
Year).
Thank you and God bless,
(your name and signature)
To do this, first, you will have to open a new
Special savings account at your bank (parang
Time deposit lang ito). Just deposit the
Minimum amount needed to open this account.
Ask for the best interest rates available to be
Applied to your account. Maraming bangko na
Ang pumapayag gaein ito. Kung ayaw o
Pinahihirapan ka ng bangko mo, eh di lumipat
Ka ng bangko!
Amazing savings
Hindi mo na magagastos ang natitirang pera na
Nasa original account mo. Pipilitin mong
Magsurvive sa natitirang 50% or 90% ng
Suweldo o income mo. And then the money
That you set aside automatically will grow—
Kahit little by little.
Sabi ni Haring Solomon,
“tingnan mo yaong lanngam, ikaw taong
Ubod tamad, pamumuhay niya’y masdan
Mo at nang ikaw ay mamulat. Kahit siya’y
Walang punong sa kanila’y nag-uutos,
Walang tagapamahala o taga-masid na
Sinusunod, ngunit nag-iimbak ng pagkain
Sa tag-araw, kailanga’y iniipon kung
Panahon ng anihan” (kawikaan 6:6-8. MBB)
Ang pag-iipon nang pakonti-konti na parang
Langgam will work even for high school or
College students receiving an allowance or
Nagtatrabaho nang part-time sa mga fast food
Restaurants. Lets say you save P750 every
Month bh having it automatically transferred as
Deposited to your special savings account na
Nagbibigay ng at least 7.5% interest per annum
(or per year). Ater three years you will have
Grown your P750 month to P30,000 in
savings. Parang maliit an halaga pero pwede
Nang pambili ng LCD TV. Hmmm….oops!
Huwag muna. Huwag patayin ang manok na
Nangingitlog para sa’yo. Just wait. Keep on
Automatically depositing P750 per month into
This special savings account and after five years
This will become P54,000. After ten years it will
Grow to P132,000. At kung tuloy-tuloy
Ng 20 years, this will more than double to
P400,000!
Pero wait lang, don’t cash out or withdraw
The money kahit tempting. Keep on depositing
P750 month to this account for another ten
Years and. . . . heto na/ You have P1million!
Milyonaryo ka na! Lumalaki ang pera mo dahil
Sa “compounding” ng interest na binibigay ng
Bangko. Maniwal ka, lalaki ang pera na inipon
Mo kung kada buwan, mag-iipon ka at hindi mo
Babawasan ang pondong ito.
To save P750 a month, all you have to do is
Skip the more than P100 you spend a week at
Starbucks for coffee and pastires. Ang ibang
Estudyante kung tumigil lang sa kakalaro ng
Online games sa internet cafed, makaka-ipon din
Ng ganitong halaga.
For yout special savings account, it’s best to
Set up an account na hindi ATM so you won’t
Be tempted to withdraw from it. Please lang,
Don’t keep your money under your bed mattress
Or in an empty biscuit can, baka manakaw or
Mawala lang. hindi pa kikita ng interest. You
Will be like the third servant in the parable of
The talents who was called “wicked” because he
Just buried the one talent entrusted him.
(one talent, which each of the three servants
Were entrusted with, equals to about $1 million
Today).
To get a list o local banks that give higher
Interest rates, visit PinoyMoneytalk.com or
Subscribe to Moneysense magazine. To calculate
A different savings plan—for example, ang kaya
Mo ay P500 a month lang or kung gusto mo ng
Mas mataas gaya ng P1,000 a month—you can
Also use the savings goal calculator at
http://www.young money.com/savings-goals-
calculator/.
Ang galling ‘no? sabi nga ng genius na si
Albert Einstein, “the most powerful force in
The universe is compound interest.”
Biro mo,P750 a month lang ang iniipon mo,
Magiging milyonaryo ka na? you may think,
“ang tagal naman, 30 years bago maging one million!
Maghihintay na lang ako manalo sa lotto” kung
Ganyan ang iisipin mo, hindi ka na makakapag-
Umpisa na mag-ipon. I know people who have
Worked or more than 30 years, pero up to now,
Wala pa rin naiipon.
Heto, I came up eith my oen proverb:
“ang tao na ipon ng ipon, pera niya’y di lilipad
Na parang ibon!”
Why save?
When I started working and was earning
P1,000 a month from my writing sidelines,
I saved P100 (or 10% of P1000). I had to
Discipline myself and do this mano-mano. In
Other words, pupunta pa ako ng bangko para
Mag-deposit ng sinave ko for the month. Kahit
Coins na piso-piso iniipon ko sa alkansya at
Dinedeposit sa bangko every week. Malapit lang
Ang bangko sa oice ko, kaya every week ko
Ginagawa hanggang sanaging habit ko na ang
Magsave.
Whether you do it the automatic way or the
Mano-mano way, whats important is that you
Save. Ang tawag ng mga financial writers sa
Principle na ito ay “pay yourself first” Bago
Ka magbayad sa sinehan, restaurant, internet
Café, meralco, globe, smart, credit card
Companies at iba pa, “bayaran” mo muna ang
Sarili mo by saving money.
Although the bible has many verses on
Money, wala itong masyadong sinasabi tungkol
Sa pag-iipon ng pera. But what is clear is that
The purpose of saving money is not to
Accumulate it. Ang purpose ng pag-iipon is so
That we may become generous and able to
Support ourselves and our amily (and even our
Extended family who may need help).
Sabi ni Solomon: “good people leave an
Inheriatance to their grandchildren, but the
Sinner’s wealth passes to the godly” (proverbs
13:22, NLT).
Binibigyan din tayo ng pera para ang pinag-
Ipunan nating ay magiging source of income
Hanggang sa ating pagtanda. Para hindi tayo
Magiging pampabigat sa mga anak or kamag-
Anak natin. The financial experts that I have
Listened to recommend the 20-20 savings
Retirement formula: save 20% o your income
20 years before you retire.
If you habitually and automatically “pay
Yourself first,” you will eventually have excess
Funds. But your savings are not just for you.
Sabi ni Larry Burkett in his book, your finances
In changing times, “There is only one reason that
God supplies a surplus of wealth to a
Christain—so that he will have enough to
Provide for the needs of others. Because true
Wealth comes with the gift of giving, God
Promises His blessings to all who freely give
And promises His curse on those who hoard,
Steal, covet or idolize.”Tingnan mo ang order
Ni Moses sa mga Israelites sa Deutronomy
24 :19 (NLT)
“when you are harvesting your crops and
Forget to bring in a bundle of grain from
Your field, don’t go back to get it. Leave it
For the foreigners, orphans, and widows.
Then the Lord your God will bless you in all
You do.”
Nakaka-tempt mag-ipon ng kayamanan para sa
Sarili lamang kaya nagbabala si Jesus sa atin
About accumulating money or ourselves:
“do not store up for yourselves treasures
On earth, where moth and rust destroy,
And where thieves break in and steal. But
Store up or yourselves treasures in heaven.
Where moth and rust do not destroy, and
Where thieves do not break in and steal.
For where your treasure is, there your heart
Will be also” (Matthew 6:19-21).
Sinabi rin NIya, “and what you do you benefit if
You gain the whole world but lose your own
Soul?” (mark 8:36. NLT)
Ang daming revelations about money sa
Bible ano? When I became a bible-reading
Christian, nadiscover ko na beore you “pay
Yourself first” you should first “pay” or honor
The Lord by giving Him the “first ruits” or a
Portion of your earnings. This is the second
Strategy which we shall discuss.
Strategy 2
Give
Millionaire: (sumisigaw) HALOS LAHAT NG
AKING KITA BINIBIGAY KO SA
AKING CHARITY!
Reporter: wow Sir! Ang laki-laki naman
Ng iyong puso!
Millionaire: HE HE , TALAGANG GANYAN
ANG MGA GAYA KO. . .
(PAKINDAT-KINDAT)
Reporter: Ang galling. Hindi naman po ba
Nagagalit si Misis na ibinibigay
Niyo lahat ng pera Ninyo?
Millionaire: (tumuturo sa kaniyang misis)
Ah,e h bakit naman magagalit
Si Charity sa akin?
Sandal lang. Why are we talking about giving
Away money eh kakasabi lang natin na we have
To save? So what is this giving strategy about?
Giving back to God and honoring Him is a
Hard thing to do if you haven’t heard about or
Don’t believe in God’d promises in the Bible. In
One Sunday service, as a new Christian, I
Learned about these promises. The pastors at
The church that I attend, Christ Commission
Fellowship (CCF), seldom preach about tithing
(and CCF does not pass offering bags during
The services). Pero one Sunday, pastor Peter
Tan-Chi taught about tithing and giving. He
Said that tithing is the voluntary giving of
10% of your income to the Lord through a
Church that you attend or are blessed by. Pero
As your heart o giving grows, you will learn
That tithing or giving back to God is not limited
To 10% only (more on that later).
That Sunday, I discovered that giving to the
Lord is a matter of faith. Parang God wants to
See if we believe in Him and His promises. Sabi
Niya, “sige, subukan ninyo ako!” In principle,
The bIble says that we should not put the Lord
To the test. Pero sa Malachi 3:10, ditto lang
Nagbigay ng exception ang Panginoon.
Sabi ni Lord through the prophet Malachi:
“Bring to the storehouse a ull tenth o
What you earn so there will be food in my
House. Test me in this, says the Lord All-
Powerful. I will open the windows of
Heaven for you and pour out all the
Blessings you nedd”(malachi 3:10,
The every Day Bible Version)
Sikisk, Liglig at Umaapaw
Wow! Nagulat ako. Nasa Bible pala nag
Promise na’ yan! Naging excited ako sa promise
Ng ating Panginoon kaya sinubukan ko. When
My wife , tingting, and I started tithing and then
Giving even more than 10% to other ministries
Outside of the church, sobrang biyaya ang
Ibinigay ni Lord. Totoo ang Promise Niya sa
Malachi 3:10. Nag-pour out na nga ang Kaniyang
Blessings. Kung anum;an ang ibinigay namin, it
Came back to us later times ten!gaya ng sinabi
Nya sa Luke 6:38 (ASDP),
“magbigay kayo at kayo’y bibigyan
Hustong takal, siksik, liglig at umaapaw
Ang ibibigay sa inyo. Sapagkat ang panukat
Na ginamit sa iba ay siya ring panukat na
Gagamitin sa inyo.”
Marami ang nagbibigay ng testimony tungkol sa
Pagtupad ng Panginoon sa Kaniyang promises
Tungkol sa giving. I am amazed and encouraged
By the stories which my riends share with me
About the blessings of tithing . Ang sabi ng Bible,
Sa Deutronomy 15:10,
“Give generously to him and do so without
A grudging heart, then because of this the
Lord your God will bless you in all your
Work and in everything you put your hand to”
Again, I am not preaching the prosperity
Gospel—the belief that once you accept Christ
And become a Christian and start giving to the
Church, you will become prosperous—hindi
‘yan ang aking message.
My message is that at one point in your
Christian Life you will start wanting to tithe and
Giving more than tour tithe. Because of this joy
And desire that God places in your heart, you
Will not even count monetary returns anymore.
The reward you grow to value will be the joy of
Giving itself. You give out of gratefulness to the
Lord. You give because you love God. Gustong-
Gusto ko ang lyrics ng kanta na “one day” ni
Reuben Morgan,
“So blessed I can’t contain it
Sa much, I’ve got to give it away
Your love taught me to live now
You are more than enough for me.”
You give not because you are expecting a
Reward or want a bigger return on your
Investment. When tou reach this point in your
Christian Life, many times, you will find
Yourself just giving and even forgetting about
What you gave. Then later on, the Lord blesses
That decision with more money so that you. In
Turn, can bless more people more frequently.
Sabi ni apostle Paul sa mga Corinthians:
“ tandaan ninyo ito: ang nagtatanim ng
Kakaunti ay aani ng kakaunti, at ang
nagtatanim naman ng maramy ay aani ng
marami. Ang bawat isa’y dapat magbigay
ayon sa sariling pasya, maluwag sa lood at
di napipilitan lamang, sapagkat iniibig ng
Diyos ang kusang nagbibigay nang may
Kagalakan. Pasasaganain niya kayo sa lahat
Ng bagay para lalo kayong makatulong sa
Marami. Sa gayo’y dadami ang magpapa-
Salamat sa Diyos dahil sa inyong tulong na
Dadalhin.” (2 Corinto 9:6-7, MBB, emphasis
Mine).
This point is very important, so I will repeat the
Verse in Engilis.
“remember this:whoever sows sparingly,
Will also reap sparingly, and whoever sows
Generously will also reap generously. Each
Man should give what he has decided in
His heart to give, not reluctantly or under
Compulsion, for God loves a cheerful giver.
You will be made rich in every way so that
You can be generous on every occasion,
And through us your generosity will result
In thanksgiving to God”(2 corinthians
9:6-7,11)
One of my “mentors” (hindi lang niya alam)
Is the late financial counselor Larey Burkett.
Simple lang and interpretation niya sa
2 corinthians 9:11. He said, “why does God
Provide an accumulation of wealth? So his
people can exercise the spirituall gift of giving.”
When you start tithing, you will discover
The joy of giving. Magiging madali na magbigay
Sa mga may kailangan ng tulong pinansyal.
You’ll be able to give to relatives who need
Help, sa mga mahihirap, sa mga church workers,
Sa mga foundation at charities na humuhingi ng
Tuling. Giving is also a sign that God’d love is in
You. Kasi sabi ni Apostle John:
“If anyone has material possessions and
Sees his brother in need but has no pity on
Him, how can the love of God be in
Him?” (1 john 3:17)
Sa proverbs 19:17 sinabi: “ he who is kind to
The poor lends to the Lord, and he will reward
Him for what he has done.”
Give to the Lord, give and help the poor.
Giving opens your heart. When you give, your
Heart will become a generous heart. May
Magandang promise si Lord: “a generous man
Will prosper; he who refreshes others will
Himself be refreshed” (proverbs 11:25). So
Kung gusto mong marefresh, be generous!
Beore we leave this strategy, remember
That you need to have a “storehouse” to receive
God’s blessings. Kaya set up that savings
Account now to receive the blessings that are
To come.
Strategy 3
Get out of debt and Stop Borrowing
Dad: let me teach you an important lesson
About money.
Son: okay, dad.
Dad: when you want to borrow money,
Borrow from your negative,
Pessimistic riends!
Son: Why is that, Dad?
Dad: because pessimists never expect you
To pay them back!
When I was in school, ayokong-ayoko na
Inuutangan ako. Iniiwasan ko ang mga gusting
Humiram ng pera. Kasi ‘yung mga umuutang sa
Akin, nagkakaroon ng amnesia at hindo ako
Nababayaran. Pero nang napilitan ako to lend
Money, hinabol at kinulit ko ang mga umutang
Sa akin. When I lost money from my bankrupt
Business ventures, ako namn ang hinabol ng
Collectors ng suppliers and credit card companies.
Then I learned from the book Freedom From
Debt by Larry Crabb that I should talk to those
I owe money to and tell them that I intend to
Pay them back. Talking to your creditors will
Give them peace of mind (and get them off
Your back), especially if you give them a
Written plan where you promise to set aside
10%, 20% or 30% of your monthly income or
Salary to pay off your debts. Nakakagualt
Because many of them will agree to the plan.
For them it is better to receive a little every
Month from you kaysa kulit sial nang kulit at
Tawag nang tawag sa bahay at office mo para
Singilin ka. Show them how much you will pay
Them and for how long.
The important thing is, tumigil ka na sa
Kakautang. (unless you borrow money at a
Much lower interest to pay off a loan with
Excessively high interest. But before you do
That, consult a financial councelor first.)
Are you addicted to using your credit cards?
Then do “plastic surgery”! cut you “plastic”—
Your credit cards—into half if you can’t control
Your spending. Okay lang gumamit ng credit
Cards, basta didiplinado ka at nababayaran mo
Nang buo ang utang mo pagdating ng monthly
Billing. Pero kugn hindi, I cut mo na! naku,
Maniwala ka. Luging-lugi ka if you end
Up borrowing and advancing cash feom
The credit card companies. Ang taas
Ng interest! Si Geli*, isang kaibigan, nag umpisa sa
Utang na P10,000 sa kaniyang credit card. Every
Month, minimum amount due lang ang kaniyang
Binabayaran. Umutang pa siya until debt
reached P100,000. Pero minimum amount due
pa rin every month ang kaniyang binabayaran at
gamit pa rin siya ng gamit ng credit card
hanggang sa nagging P1.3 million ang kaniyang
utang! Para mabayaran ang utang, nagtrabaho si
Geli sa ibang bansa bilang yaya sa isang
Mayaman na pamilya. After four years,
Nabayaran niya ang kaniyang utang, pero hindi
Naman siya makauwi sa kaniyang mga anak.
Mahirap ang mabaon sa utang. Sabi ni King
Solomon: “the rich rules over the poor, and
The borrower becomes the lender’s slave”
(Proverbs 22:7,NASB).
Have a steady income
Before getting a housing loan
When I was newly married, I wanted to provide
A new house for my bride so we looked or
Houses in the middle-class subdivisions south
Of Manila.
This was in 1996 when one could buy a
House for P1.5 million. The broker showed us
Houses for P3 million, but not having much
Money, we settled on a house that was
Only P1.25 million. My plan was to borrow
Money from my parents for the down payment
And from a bank to pay the remaining balance.
I had already paid an earnest money of
P25,000 to the owner because I was confident
That my parents will lend me money. Pero
Nagulat ako nang sinabi ng mommy ko na hindi
Raw nila kami papautangin. Ayaw daw nilang
Makita kaming mag-asawa na parang mga alipin
At hindi magkandaugaga para lang mabayaran
Ang utang. Aray! Masakit pero totoo. Nakita ng
Parents ko na hindi pa kami handa.
When I was thinking about this situation,
Nabasa ko sa bible, “finish your outdoor work
And get your ields ready; after that, build your
House” (Proverbs 24:27). Kaya nagdesisyon
Kami na hindi muna kami bibili o magpapatayo
Ng bahay until our business was more stable
(or sabi nga ng Bible, our fields ready”)
Nagging blessing in disguise nga ang
Pagtanggi ng parents ko sa amin. Looking back,
We would have been pressured in our young
Careers to pay o the debt and would have
Been stuck with a bad property anyway.
Do not cosign loans!
Huwag managot sa utang ng iba
It is also possible to be in debt even if you were
Not the one who borrowed the money.paano?
If you were foolish enough to cosign and
Guarantee the loan of a friend. Iyan ang
Nangyari sa kaibigan kong mayaman. She
Cosigned the P18 million loan or her boyfriend.
The guy later flew to the US to escape the debt.
Because she had cosigned the loan papers, the
Bank found it easier to chase her to pay the
Loans. And this she had to do for the next ten
Years o her life! Ang saklap talaga. Ang hirap
Kasi humindi sa isang kaibigan, dib a? pero sabi
Ni King Solomon,
“huwag kang mangangako para sa utang
Ng iba, ni gumarantiya para sa kaniya.
Kapag hindi ka nakabayad, hindi ba’t
Kukunin pati ang higaan mo?” (kawikaan
22:26-27, mbb)
Huwag umutang para magpa-impress
Tawang-tawa ako sa sinabi ng actor and
Humorist na si Will rogers. “too many people
Spend money they haven’t earned, to buy things
They don’t want, to impress people they don’t
Like.”
Totoo dib a? kaya huwag nang umutang at
Magsalary advance para lang makabili ng mga
Gamit na hindi mo naman kailangan para lang
Ma-impress ang mga taong hindo mo naman
Gusto! Minsan nagkakautang din tayo dahil
Gusto natin ilibre ang mga kamag-anak o
Kaibigan natin. O kung niyaya tayo ng mga
Officemates natin na kumain sa Jollibee o
Magkape sa Starbucks pero wala naman tayong
Pera, huwag na lang tayo sumama.
Manood na lang ng DVDs sa bahay imbes
Ma magsine. Maglakad imbes na magtaxi (kung
Malapit lang naman). These examples lead me
To the next strategy para hind imaging bitin
Ang pera natin.
Strategy 4
Live simply
Nasa Jollibee ang isang lolo at ang
kaniyang asawa. Mag-order sila ng isang
regular yum burger, isang ries at isang
sotdrink. Pag-upo nila, hinati no lolo ang
burger sa dalawa at ibinigay ang kalahati
sa kanyang asawa. Isa-isa rin niyang
binilang ang fries at hinati sa kanilang
mag-asawa.
Nakita ng isang binata ang mag-asawa
Naawa siya kaya’t sinabi niya “ lolo
Pwede ko ba kayong ibili ng isa pang
Burger at ries?”
“salamat, hijo,” sabi ni lolo, “ pero 50
Years na kaming mag-asawa ng aking
Mahal at nagshi-share kami sa lahat.”
Bumalik sa kanyang upuan ang binata,
Habang kinain ni lolo ang kaniyang
Kalahating burger.
Pinanood siya ng kanyang asawa. Hindi
Nakatiis ang binata nang Makita niya ito,
Kaya pinuntahan niya muli ang mag-asawa
At sinabi, “lolo, gusto ko talagang ibili kayo
Ng isa pang burger at fries.”
“salamat na lang, hijo, “sabi ng lolo, “pero
50 years na kaming mag-asawa ng aking
Mahal at nagshi-share kami sa lahat.”
Bumalik sa kanyang mesa ang binata.
Nakita niya uli na ang lolo ay kumakain ng
Fries habang pinapanood lang siya ng
Kanyang asawa.
Hindi na talaga makatiis ang binata kaya
Binalikan ang mag-asawa at sinabi,”Lolo,
Naaawa po ako sa inyong dalawa.Hayaan
N’yo na akong ibili kayo ng isa pang burger
At fries!”
“salamat na lang, hijo,” sabi ng lolo, “ pero
50 years na kaming mag-sawa ng aking
Mahal at nagshi-share kami sa lahat.”
“opo sinabi n’yo nap o sa akin ‘yan!” sabi
Ng binata na naiinis na rin, “pero bakit po
Kayo naghihintayan para kumain?”
Matamis na tinitigan ng lolo ang kayang
Asawa ta sinabi, “kailangan naming
Maghalili kumain, kasi nagsi-share kami sa
Lahat—pati sa pustiso.”
The couple in this joke is just like me and my
Wife, my”swato” (sway-to, ‘yan ang tawag ko
Sa asawa ko. Shortcut ko for “Sweet Potato”),
Hati kami sa food pag kumain.my wife tingting
Knows how to live simply. May lahi siyang
Cebuana kaya super tipid. When we were
Newlyweds, we ate mostly canned tuna or
Sardines sa bahay instead of going out para
Mag-good time. When we did eat out, sa mga
Affordable restaurants lang kami like Tapa King
Or Chicken Bacolod. We sometimes shared the
Ulam and rice and never ordered softdrinks and
Juice kasi drinks ang nagpapalaki sa restaurant
Bill. (tapos puro asukal lang naman, at hindi
Healthy.)
Naging habit na naming na hindi mag-order
Ng drinks pag kumakain kami sa labas. Mas
Healthy pa ang tubig ng restaurant ay filtered. My swato
Would tell me, “honey, hati na lang tayo sa
Isang tapsilog” or “Dong, share tayo sa two-
Piece chicken” kaya tipid dn kami sa damit at
Hindi na kailangan pumunta sa Slimmer’s World
Para magpapayat—lagi kaming share sa pagkain
Kaya hindi kami tumataba!
Pagdating sa damit, ang asawa ko ay ayaw
Bumili pag hindi “sale” ang tindahan. Pag
Nagsha-shopping siya, kahit buong araw siya
Nawala, isang shopping bag lang ang uwi niya.
Kahit kaya naman bilhin, ayaw niya kung mas-
Yadogn mahal. Naghahanap siya ng damit na
Mukhang mahal at branded pero mura. Hindi
Rin kami mahilig sa mga magagarang relo at
Jewelry. Waka ring hilig ang misis ko sa mga
Mamahalin na bag gaya ng Louis Vuitton at
“birkin” na gawa ng hermes na nagkakahalaga
Ng $7,000-$15,000! Sabi nga ng Swato ko,
“kung ako ang may sala ng kalahating milyon
Na handbag, eh baka maihi ako sa nerbyos!”
Hindi rin kami bumibili ngmagagarang
kotse.Frankly, we can now afford to buy but
we would rather invest the money in something
that will appreciate in value instead of a car na
nagdi-depreciare ang value as soon as you drive
it off the lot. Bihira lang ang kotse na tumataas
ang presyo pagkatapos bilhin.
Second-hand cars lang ang binili naming
mag-asawa. Years ago, we bought a second-
hand Toyota Revo from a friend who migrated
abroad. She sold the revo to us for a good
many years bago kami bumili ng bagong
sasakyan.
Sabi sa librong The Millionaire Next Door by
Thomas J. Stanley and William D. Danko,
America’s millionaires live simple lives. Forbes
Magazine reports that Warren Buffet, who is
Worth $47 billion, drives a pick-up truck and
Lives in the same house that he has lived in for
The past 50 years. Carlos Slim, the 70-year-old
Mexican Billionaire (he’s richer than Bill gates),
Lives in the same house that he bought 40 years
Ago. Si Ingvar Kamprade, the founder and
Owner of the Swedish furniture company
IKEA, still rides the bus and flies economu
Class.
Pati nga si Henry Sy, the frugal founder o
SM and the Philippines’ richest man, nama-
Malengke pa rin at tumatawad pa sa mga suki.
A millionaire frined o mine, Bob (I will not use
His real name, kasi gusto niya anonymous siya),
Still lives in the same small house with his wife
And kids, drives an inexpensive car (although he
Can afford to buy a BMW or Volvo) and gives
More than 50% of his income to fund
Ministries and charities. Ang sabi niya, “being
Content—ito ang tunay na kayamanan.” Ang
Mga totoong mayaman ay hindi mga pasikat!
What’s important is not how much you make,
But how much you save. It is much easier to
Save money if you live a simple life. And the
Important thing when you start earning is not to
Let your possessions possess you.
Separate your spending
From your emotions
Emotions play a big part in our decisions
Regarding money. Halimbawa, nakantyawan
Ka ng mga offocemates mo na manlibre ng
Merienda. Wala kang pera pero nanlibre ka
Pa rin dahil ayaw mong matawag na kuripot.
Or depressed ka kaya gusto mong mag-good
Time—manood ng sine, or mag-escape sa
Tagaytay—kahit wala sa budget. Meron nga
Akong kaibigan na umuwi na may bagong kotse
Pero hindi nagpaalam sa asawa. Wala lang daw.
Trip at nasa mood lang daw siya. Pero wala
Naman silang pera. Inutang lang ang kotse.
Kailangan talaga ng disiplina na hindi
Magdecide sa mga isyung pera kapag
Emosyonal, pagod or stressed out.
It’s easy toget carried away by our
Emotions and say, “bahala na” when shopping
But learn how to separate your spending from
Your emotions and you’ll be better off.
“pray before you pay”:
Our miracle Mitsubishi
When our Revo was being used more often for
Our business(for transporting materials, books
And our staff to events), we decided to buy a
New car for our family’s use.
Nagkaroon na rin kami ng anak at lagi nang
Nasisira ang Revo. Bibili n asana kami ng brand-
New Nissan Livina na nagkakahalaga ng
P1 million. But I remembered a principle that
Larry Burkett shared. Sabi niya, “pray beore you
Pay.” So I prayed to God, “Lord, can You show
Us another car na parang brand-new that will
Serve our family/ like the Nissan that I like pero
Mas mira. Please show us a very good deal
Where we can save money.”
Two hours ater saying that prayer, my
Friend Myki texted me about an SUV that was
On sale on http://www.sulit.com.ph. It was a
Mitsubishi Fusion that had been driven for only
150 kilometers and was being sold with an
Almost P250,000 discount. It was a second-
Hand car na parang bago kasi napanalunan ng
Owner sa raffle ng mercury drug store. I texted
The number of the seller and met with him early
The next morning. I inspected and test drove the
Car with my driver and then arranged to meet the
Seller again right before lunch (bago dumating
Ang mga ibang prospective buyes) to make the
Payment. At the end of the day, nakabili kami
Ng almost brand new car—at dinagdagan pa
Ang discount. So we saved more than
P300,000!
So orget about impressing people with
Brand-new things. Go for the almost new and
Save a lot of money. (in my case, the Lord led
Me to give the money that we had saved to a
Missionaries’ training foundation. Ayos lang!
That’s the purpose of excess money di ba?
Nakabless pa sa iba ang pagbili naming ng
Kotse.)
The same thing goes for cellphones,
Appliances, books and even beds. Pray before
You pay! When my Swato and I were
Newlyweds, we slept on the floor. May mattress
Naman kami pero we wanted to buy a bed. At
That time, the beds that we canvassed cost from
P30,000 to P60,000. We were about to buy a
P35,000-bed, so again, we prayed. Ayun, may
Nagregalo ng kama sa amin! Our ninong Emil
And ninang lulu from Cagayan de oro who at
That time owned a furniture shop, shipped a bed
To us!
Keep on living simply
To control your spending
later or in life, especially if you are
Hardworking and investing on your education
And upgrading your skills, you will be making
More money. Perhaps the money will come
from a new business or from a promotion that
will give you an increase in your salary. When
you receive more money, don’t get tempted to
increase your spending as well. Kahit noong
panahon ng Old Testament sinasabi na ito:
“As goods increase, so do those who
Consume them. And what benefit are they
To the owner except to feast his wyes on
Then?”(ecclesiastes 5:11)
Many people, myself included, have allen into
The trap of increasing their purchases (new
Cellphine, laptop, PS3) and expenses
(expensive restaurants, vacations, country club
Memberships) as their income increases. Then
They ind out that even if their income has
Increased their savings did not increase. The
Only thing that increased was their credit card
Debt. Ecclesiastes 5:11 says,
“whoever loves money never has money
Enough; whoever loves wealth is never
Satisfied with his income. This too is
Meaningless.”
Remember, it is not just how much you make
But how much you save by being frugal o
Matipid. One of the main lessons in the best-
Selling book, The Millionaire Next Door Is that
“being frugal is the cornerstone of wealth-
Building.”
The opposites of being frugal is being a
Gastador. Huwag tularan ang dating boxing
Champion na ito.
The champion gastador
In 2005, the lawyer of ormer heavyweight
Boxing champion Mike Tyson declared that
Tyson’s “debts far exceeded his assets,”in other
Words, baon sa utang ang milyonaryong
Boksingero. Paano nangyari ‘yun? Tyson, who
Became the youngest heavyweight boxing
Champion in history at the age of 20, earned
More than $300 million during his boxing
Carees. Teka lang. pahingi nga ng calculator—
P13.5 billion ‘yan ah! Paano mo magagastos
Lahay ‘yan? Wll, ayun nga, it doesn’t matter
How much you make if you spend everything!
Champion gastador din si Tyson. The boxer
Spent more than $300,000 on limousine rides
Alone! And Tyson “employed as many as 200
People, including bodyguards, chauffeurs,
Chefs, and gardeners.”
His spending also included:
$4.5 million on cars and motorcycles
$3.4 million on clothes and jewelry
$7.8 million on “personal expenses”
$140,000 on two white Bengal tigers and
$125,000 yearly salary for their trainer
$2 million on a bathlub for his first wife,
Actress Roben Givens
$140,000 on a birthday party
$230,000 on cellphones and pagers from
1995 to 1997
By 2005, before he turned 40, Tyson was $38
Million in debt. The moral of the story is not to
Say “tsk, tsk!, at Mike Tyson (o sige na nga,
Isnag “Tsk!” na lang) but to remember that
There Is always the temptation to spend more
Than you earn.
Huwag magpadal sa peer pressure o
Maiingit sa mga kapitbahay o kaibigan na may
Malalakign bahay or mamahaling gamit.
The Bible says,
“keep your lives free from the Love of
Money and be content with what you
Have because God has said, “never will i
Leave you, never will I forsakr
You” (Hebrews 13:5, NASB).
Strategy 5
Magsipag,
Mag-negosyo
Toto: pangarap kong kumita ng P250,000
Monthlty gaya ng Daddy ko!
Juvy: Wow! Ganyan kalaki ang kinikita ng
Daddy mo?
Toto: hindi! ‘yan din ang pangarap niya!
Libre ang mangarap. Pero kung gusto mong
Matupad ang pangarap mo na kumita ng mas
Malaki, kailangan na magsipag ka.
Tama ang sinabi ni King Solomon, the
Richest king who had ever lived, “lazy people
Are soon poor; hard workers get rich” (proverbs
10:4,NLT) Sipag at tiyaga. Kung babasahin
Mo ang mga stories of successful people, lahat
Sila ay masisipag dahil positive ang mga
Attitudes nila at enjoy sila sa trabaho nila.
Ngayon, kung masipag ka naman pero
Kulang ang suweldo na tinatanggap mo for the
Amount and quality of work you are doing, talk
To your boss. Ask for a salary adjustment.
On the other hand, if you feel that you are
Underworked or could do more for the
Company, kausapin mo ang boss mo at humingi
Ka ng mga karagdagang trabaho. God willing,
Mapapansin ka at mabibigyan ka ng salary
Increase. If not, at least you will have
Developed the important mind-set and habit of
Always working harder and going the extra mile.
Remember the biblical principle, “ask and
You shall receive” (matthew 7:7) sabi rin sa
Bible, “ you do not have because you do not
Ask God\’ (kames 4:2) huwag mahiyang
Humingi kung nasa tamang lagay ka
Naman. This was my experience in my previous
Jobs. Everytime I asked for an increase, my
Bosses gave it to me because o worked hard and
Produced the results needed.
Also, inquire about the incentive programs
At work and make sure that you qualify. Always
Give excellent work and the money and rewards
Will follow (I not at your current job then
Siguradong may darating na job offer na mas
Maganda). Sabi ng bible, what you sow, you
Reap(Galatians 6:7) kung ano ang iyong
Itinanim,iyan din ang iyong aanihin
Maging enterprising!
iyan ang motto ng “go negosyo” movement
na sinimulan nila Joey Concepcion
(www.Go|Negosyo.net). “enterprising” means
Having the mind-set start a business. Go
Negosyo believes that entrepreneurship will
Help Filipinos get out of poverty.
If you want to become an entrepreneur,
Magsimula ka ng maliit na sideline. Ang daming
Pwedeng gawin. For example, pag aralan ung
Paano kikita sa internet. Pwede kang mag-set
Up ng mga online shopping sites tulad ng mga
Pinoy na based ditto sa Pilipinas na sina
Monching Romano (divisoria.com) at
Rianna Trinidad ng FunkyFeet
(proudmamastore.multiply.com). o kumita sa
Mga advertisements sa blog mo tulad ni anton
Diaz, dating manager sa isang multi-antional
Company na nagging full-time blogger; at si Carl
Ocab, isang high school student na kumikita
Ng more than P80,000 a month sa kanyang
Website. Read more examples rom the Go
Negosyo book series available at bookstores
Nationwide.
Sabi nga ng bible,
“all hard work brings a profit, but mere
Talk leads only to poverty” (proverbs
14:23)
“But remember the Lord your God, for it is
He who gives you the ability to pru=oduce
Wealth, and so confirms his covenant”
(deutronomy 8:18)
Matutong magbenta
Mag-inquire sa Direct selling association of
The Philippines (DSAP) and look at the
Products of the different members gaya ng
Avon, amyway,sara lee, symmetry,easy pha-
Max, at Tupperware kung ano ang produktong
Gaganahan kang ibenta, subukan mo na
Magcommit ng isang taon para ibenta. PwedeP250,000 a month.
My wife and I also tried direct selling.
Naka-ialng companies na rin kami, pero after
Three or four attempts, nag-succeed din kami.
We experienced eraning five-to-six figure
Commissions or tinatawag na “royalty”income
For the past twelve years. Tiyaga at hard work
Alng sa umpisa, walang short cut eh. ( to avoid
Pyramid scams that pose as direct selling
Companies, check if the company you are
Joining is a member of the DSAP).
You can make money management and
Your business a family affair. Train and teach
Your spouse and children or your other family
Members how to make, invest, save and give
Money.
Mapalad ako kasi ang aking asawa, si
Tingting,ay masipag at hini takot sa trabaho.
Whwn she was in high school, she sold triumph
Bras para madagdagan ang kaniyang allowance.
When she was working as an administrative
Assistant in a five star hotel, she sold Hungat=rian
Sausages sa mga officemates niya. Nagbenat rin
Siya ng pre needs plans, pumasok sa advertising
And sales, at angtayo ng sariling hoem-based
Business na nag-offer ng corporate gifts at
Promo itmes. Ngayon, she is my partner In our
Different businesses
This is wa=hat the bible says about “the Wife
Of Noble Character,” ang asawang masipag at
Enterprising”
Mahirap makakita ng mabuting
Asawa, higit sa mamahaling alahas ang
Kanyang halaga.
Pinaglilingkuran niya ang asawa habang
Sila’y nabubuahay, pawing kabutihan ang
Ginagawa at di kasamaan.
Wala siyang tigil sa paggawa, hindi na
Halos nagpapahinga, humahabi ng kanyang
Telang lino at saka ng lana.
Tulad ng isang barkong tigib ng kalakal
Siya ay nag uuwi ng pagkain mula sa
Malayong lugar.
Bago pa sumikat ang araw ay inihahanda
Na ang pagkkain ng buo niyan g
Sambahayan, pati na nag mga Gawain ng
Mga katulong sa bahay.
Mataman niyang tinitingnan ang bukid
Bago siya magbayad, ang kaniyang
Naiimok ay ipinagpapatanim ng ubas.
Gayunma’y naiingatan ang kamay at\katawan upang matupad ang lahat ng
Tungkulin niya araw-araw (kawikaan 31:10,12-17)
A warning about workaholic
Pero don’t do overdo things. Huwag kang overtime
Nang overtime;make sure na kilala ka pa rin ng
Pamilya mo. Umuwi ka to enjoy your spouse
And your children. Sabi nga ni King Solomon,
“huwag mong guluhin ag isip mo sa
Pagpapayaman;pag-araln mong umiwas
Doon. Pagkat medaling mawala ang
Kayamanan, ito’y simbilis ng agila sa
Paglipad sa kalawakan” (kawikaan 23:4-5, MBB)
At huwag din naman maging tamad!masarap
Talag amatulog, pero heto ang sabi ni Haring
Solomon tungkol sa mga takaw-tulog:
“do not love sleep or you will
Grow poor; stay awake and you
Will have food to spare”
(proverbs 20:13)
Last bilin: when going into
Business or even a sideline, make
Sure that you are doing business
By the book. Do not cut corners. Treat
Your employees like family, pay the right
Taxes, pay your suppliers on time, don’t cheat
Anyone. Do things the right way and you’ll be
Blessed.
“dishonest money dwindles away, but he
Who gathers money little by little makes it
Grow” (Proverbs 13;11)
“mas mabuting piliin ang malinis na
Pangalan kaysa pilak at ginto o anumang
Kayamanan” (kawikaan 22;1, mbb).
STRATEGY 6
MAG INVEST
A man told his friend, I’m responsible for
Making my business partner a
Millionaire.”
Well what was he before he partnered with
You?” the friend asked
“a Billionaire
May kilala ka bang nag invest sa mga scams
Este, schemes that promise 5% interese per
Month? Hindi per year ha. Ang mga bangko
Kais 5% per annum or per year lang ang
Interest. Too good to be true diba? Five
Percent per month is 60% interest in one year!
An investment company called Multitel lured
Many people—rich and poor—to invest with
Them with the promise of at least 5% interese per month.
At iba, ibibgay pa nila ang iyong
Interest in advance! Hello?!
Payo nga ng stock investor at philanthropist
Na si John Templeton, “before you invest,
Investigate” marami ang nalokong mag-invest sa multitel.
Kasama na ako dyan but ater i
Investigated and prayed about it, I withdrew my
Investment and told my friends to do the same.
But for many of my friends who didn’d listen, it
Was too late. Nawala ang mga life savings nila
(some had to sell their homes)when multitel
Folded up after being investigate by the
Securities and exchange commission. There
Are many heartbreaking stories of people
Victimized by these scams. The Lesson is “if it’s
Too good to be true, if probably is!” don’t let
Greed or the desire or fast money cloud yout
Judgement.
“people who want to get rich fall into
Temptation and a trap and into many
Foolish and harmful desires that plunge
Men into ruin and destructions. For the love
Of money is a root of all kinds of evil. Some people, eager for money. Have wandered
From the faith and pierced themselves with
Many griefs” (1 Timpthy 6”9-10)
Tingnan mo ang mga news headlines. Marami
Na rin ang naloloko, pati mga celebrities:
NBI WARNS OF MORE PYRAMID SCHEMES
Philppine daily Inquirer, :Febraury 23, 2008
SHOWBIZ CELEBS INVESTED IN RANCSWISS SCAM
Philippine Daily Inquirer, July 11, 2007
FORMER PBA CAGER ADMOTS
LOSING MONEY TO FRANCSWISS
Inquirer.net July 18,2001
BOGUS ‘SM’ ONLINE FIRM LURES INVESTORS
Manial times, july 13, 2007
Saan tayo pwedeng mag-invest
Here are some suggestions:
1. Real estate
Invest properties which you can rent to
Others like apartments and oreclosed properties
(mga real estate properties na bumalik sa pag-
Aari ng mga bangko dahil hindi nabayaran ng
Mga umutang). You don’t need a lot of capital
To do this. The assistant of my wie bought a
Property in her province for just P50,000.
To learn more about investing in real estate
In the Ohilippines (at para maieasan ang mga
Common mistakes real estate investors make),
You can attend larry Gamboa’s Thinkrich
Pinoy Seminars. For more information visit
http://www.thinkrichpinoymanila.blogspot.com/.
2. Mutual und
Companies like sunlife financial, first metro,
And ayala life insurance offer investment
Packages where you can invest P5,000 to’
P10,000 for starters. They allow you to invest
Every month, parang savings account din. In
2009, money invested at the start of the year
Got a return of up to 40% on the internet , visit
Pinoymoney talk. Com or Randelltiongson.com
For the latest tips and news on the best mutual
Funds and other investment programs to
Consider
. subscribe to the magazine MoneySence
Para malaman kung saan maganda mag-invest.
You can also attend the seminars organized or
Promoted by MoneySense and the registered
Financial planners institute(rfpi) to get more
Knowledge on smart investing.
3. Stock market
Buying stocks in the stock market involves
Buying a share or shares of a public company
Like ayala corporation or san Miguel
Corporation, and then selling the shares after
Some time, when rhe price increases. Kaya lang
the risk is that anyone who invest in what
is called “blue chip” stocks (shares of big and
stable companies like ayala corporation, san
Miguel corporation, Jollibee, etc.) whose value
Generally appreciates over many years.
Before,you could only invest in these
Companies if you had a stockbroker. Now you
Can invest online through stock market
Brokerage firms like Citisec. You will need
P25,000 to open an account and start trading.
Sabi ng aking kaibigan na si Randy, who has
Invested in stocks through Citisec, If you are a
Disciplined investor, at nag iinvest ka regular;y
Ng P5,000 a month for the next 20 years in Blue
Chip Stocks or shares, after 20 years, your
Shares should be wprht P20 million pesos.
Citisec(www.citiseconline.com.ph) offers
Free seminars on how to invest in the stock
Market.
4. Small business, ranchise or direct
Selling distributorship
Read mark so’s article “how to make extra
Money with zero capital” in his blog
Markso.wordpress.com.
Si mark ay ang batang may ari ng
Businessmaker academy. Basahin ang article
Niya para malaman kung paano l=kumita kahit
Walang capital—utak lang!
You can start your own direct selling
Distribution business with companies like avon,
Amyway,fuller life(dating Tupperware),
Symmetry direct, reliv, herbalife,fern C. easy
Pha-max and human nature. Maliit lang ang
Capital at pwede kang kumita ng extra (P1,500
To P5,000 a month) or malaki (P25,000 up to
P250,000 a month and even more), depende sa
Abilidad at sipag mo.
May sinulat akong libro, S$– Success Secrets
Of the Sales Superstars, published by the Direct
Selling Association of the Philipiines—
It features fourteen of the most successful
Direct selling entrepreneurs in the Philippines
They all sahred the secrets of their success with
Me, at isinua=lat ko ang mga kuwento nila para
Maigng inspirasyon ng ibang Filipino.
Nakasubok narin kami ng swato ko na
Magdirect selling fifteen years ago. Hanggang
Ngayon mayroon parin kaming kita na parang
Full-time suweldo ng manager kahit part-time
Lang ang oras na trinabaho naming ni=oon.
You can also start your own small business
Even if you don’t have the capital. You can go
Microfinance institutions such as the Center for
Community transformation (CCT) and world
Vision;s company economic ventures, Inc.
(cevi) na nagpapautang sa mga housewives ta
Small entrepreneurs.
Maraming books, online resoures at events
Gayan ng mga seminars ng go negosyo that you
Can check. Another good resource is the Colayo
Foundations one wealthy nation (www.onewealthy
Nation.com). do your research—the
Suggestions I mentioned are just a start. The
Important thing is not to get fooled into
Investing in scams.
Finally, this brings us to a different kind of
Investment that will enrich not just your pocket
But ypur life!
STRATEGY 7
Educate
Yourself
A man said to his wife just beore he died,
“now listen. When I die, I want you to take
All the money and put it in the casket with
Me. I want to take my money to the
Afterlige with me.
When he died she did what she had
Promised, cmae with the money box and
Put it in the casket. Then the undertakers
Locked the casket down and rolled it away.
So her friend said, “girl, I know you
Weren’t fool enough to put all that money
In there with your husband!”
She said, Listen, I’m an educated and
Ethical person. I can’t go back ion my
Word . I promised t=him that I was going to
Put that money in that casket with him”.
“you mean you really put that
Money in the casket with him!?”
“I sure did, “said the wife.” I wrote him
A check.”
“paano ako makakaahon sa kahirapan?” tanong
Ni Mercy sa kanyang mga amo. “ mag-invest ka
Sa edukasyon mo at ng mga anak mo,”payo nila.
After they gave her this advice, she decided
To invest her year-end-bonus in a—DVD player.
Para daw makapanood sila ng mga latest na
Pelikula. Ha? Eh nagrereklamo nga ang asawa
Ni mercy na tuyo lang daw ang kinakian ng mga anak nila.
May sakit pa ang mister kaya lang
Away naman pumunta sa doctor dahil wala daw
Silang pera (pero may pera siya pambili ng alak
At sigarilyo). Nag-alok ang mga boss ni mercy
Ng scholarship para sa kaniyang anak pero
Tinanggihan niya.
Haaay buahy! OK lang to buy a DVD
Palyer or something that our family will enjoy
Tgether, but not at the expense o our amily’s
Health or future. Invest in education and
Developing the intelligence and wisdom ofyour family.
Sabi nila na pag nag-invest ka sa
Magandang real estate poverty ay pwede kang
Kumita ng magandang return of investment.
But there are many people who earn by
Investing in a different kind of property.
Ang tawag dito ay intellectual property or
Intellectual capital. That’s your brain!
Sabi ni Chinkee Tan sa kanyang libro,
For richer and or poorer, “rich people educate
Themselves more than they entertain
Themselves. Poor people entertain themselves
More tha they educate themselves.”
Invest in increasing your intellectual capital.
Ang iyong intellectual capital ay ang iyong
Talino. Kahit malugi ang ibang mga investments
Or nogosyo mo, pag nag-invest ka sa sarili mong
Utak at potential, walang lugi ito. Nag
Problema, karamihan ay inuubos ang pera sa
Cellphone load kaysa sa libro o seminar kung
Saan matutunan ang isang bagog skill o
Information. Keep on reading good educational
Materials para lumawak ang iyong nalalaman.
Hindi mawawalan ng trabaho or opportunity
Ang isang wais na tao.
Look for scholarships and educational
Exchange programs or yourself or your
Children. Maghanap ka din ng mga study tours
At little or no cost. When I was in collede, lagi
Ako nagbabasa ng mga announcements sa
Bulletin board n gaming eskuwelahan. Dream
Ko kasi mag-aral sa ibang bansa, kaya lang
Ayokong umasa sa amily ko kaya naghanap ako
Ng scholarships from oreign governments.dahil
Ditto, nakapg-aral ako as a college exchange
Student sa Japan at Sa US. Nagging youth
Ambassador din ako sa isang Japan-ASEAN
Study-travel experience called ship for
Southeast asian youth program noong 1985.
When my father was young, naghanap din sya
Bilang isang scholar sa sikat na post-graduate
Program sa Northwestern University sa
Chicago, USA
What would you akk for?
This is an amazing story in 2 chronicles 1;7-12(nlt)
“that night God appeared to Solomon and
Said, ehat do you want?ask, and I will
Give it to you!
Solomon replied to God, you showed
fAithul love to David, my father,and now
you have made me king in his place. O
Lord God, please continue to keep your
Promise to David my father, for you have
Made me king over a people as numerous
As the dust of the earth! Give me the
Wosdom and knowledge to lead them
Properly, for who could possible govern
This great people of yours?
God said to Solomon, because your
Greatest desire is to help your people, and
You did not ask for wealth, riches, ame or
Even the death of your enemies or a long life,
But rather you asked for wisdom and
Knowledge you requested. But I will also
Give you wealth, riches, and fame such as
No other king has had beore you or will
Ever have in the future!”
Since I read solomon’s brave request, I always
Try to remember to pray to God for wisdom.
(kung aki si Solomon, sa totoo lang, hihingi
Ako ng kung anu-anong bagay). Pinagdarasal
Nyo ban a bigyan kayo ng wisdom ng
Panginoon? May magandang promise sa Bible:
“if any of you lacks wisdom, he should ask
God, who gives generously to all without
Finding fault, and it will be given to him”
(jamws 1:5)
Sinabi ni haring Solomon, na naign
Pinakamayaman na hari even after he asked
God to bless him with wisdom,
“trust in the Lord with all your heart and
Lean not on ypur own understanding; in all
Your ways acknowledge Him, and He will
Make your paths straight” (proverbs 3:5-5)
Summary
Before we end, let’s review the seven strategies
We discussed.
Piton paraan
Para di mabitin ang pera
1. Save. Gamitin ang “automatic millionaire”
Savings system.
2. Give. Honor the Lord and give back with a
Joyful heart. Be generous to your family and
To the poor.
3. Get out of debt and stop borrowing.
Taman na ang utang, salary advances at over-
Spending.
4. Live simply. Be frugal. Keep your expenses
Less than your income.
5. Magsipag, mag-negosyo. Maging
Enterprising o mag-umpisa ng sideline o
Negosyo.
6. Mag-invest. But “investigate beore you
Invest” para hindi maloko sa mga scams.
7. Educate yourself. Mag-aral and pray for
Wisdom. Magbasa ng mga libro at mag-attend
Ng mga seminars para madagdagan ang
Iyong knowledge at skills.
Mag-umpisa na!
What are you going to do after you’ve read this
Book os going to be both easy and hard.
Applying all the pricinples and strategies that
You just just learned will be easy once they become
A habit. The hardest step to so is to get started.
Takot tayo na mag-umpisa dahil ayaw natin
Maniwala na pwede pala na hindi bitin ang
Ating pera. Kay mag-umpisa na! don’t join the
Majority o the Filipino’s who are “broke or will die
Broke,” ayon sa isang offices ng Bank of the
Philippine Islands (BPI). Paliwang ng bpi
Officer sa isang moneysence seminar, 90% daw
Ng mga pinoy ngayon ay may mga utang at
Mamamatay na bitin ang pera.
Of course, having more or even just
Enough money will not necessarily makeus
Happier. Proven na ‘yan. At the end of the day,
It will be the quantity of our money—that will define our
Happiness, joy and contentment. And pinaka-
Importanteng relatin=onship that will determine
Our contentment is our relationshio with the
Lord Jesus Christ. When we have this
Relationship with Jesus, then we can say what
The apostle Paul said:
“I know what it is to be in need and I know
What it is to have plenty. I have learned the
Secret o being content in any and every
Situation, whether well fed or hungry,
Whether living in plently or in want. I can
Do everything through Him who gives me
Strength”(phlilippians 4:12-13)
So let’s be strong in the Lord and continue
TrustingHim. Just remember this promise:
“and my God will meet all your
Needs according to His riches in glory in Christ
Jesus” (Philippians 4:19). Sa tagalong,
“at buhat sa hindi mauubos na kayamanan
Ng Diyos, ibibigay niya ang lahat ng inyong
Kailangn sa pamamagitan ni Cristo Jesus
Pueihin ang ating Diyos at Ama mag-
Pakailanamn! Amen! (filipos 4:19-20, MBB)
Sana nakatulong ang librong ito sa iyo.
Pagpalain ka ng Diyos and may He give you
Wisdom and provision every step of the way.
P.S.
Noong 1994, a friend and I tried the concert
Promotion business. We booked what we
Thought was a sure fire hit concert artist. Akala
Namin siguradong kikita kami ng limpak-limpak
Na pera. pero ang nangyari, nawala ang lahat ng
Aming capital at nabaon pa kami sa utang.
Naisip ko na hindi ko babayaran ang aking mga
Utang kasi napakabigat sa dibsib at bulsa.
Halos hindo na ako makahinga sa kakaisip ng
Akingproblema. Isang gabi,natulog ako na
Blaisa. Paggising ko, I cried out, “God, if you
Are real,please take away this heavy laod from
My chest. Hindi ko kaya ito!
Kaagad-agad, parang may kamay na nag-
Tanggal ng barbell sa dibdbi ko. Natulala ako!
And then tamang-tama. Kumatok ang aking ex
Girlfriend (ngayon asawa ko na) sa pinto. Sabi
Niya lalabas mi=una siya.
“where are yoi going?” tanong ko.
“to a Bible Study.”ang sagot ni tingting.
“sasama ako!, sabi ko (milagro!)
Durin the bible study, a miracle happened
To me. Every time I opened the Bible, God
Talked to me! Well, okay, I didn’t actually hear
God’s voice, pero God talked to me by
Answering every question and problem that was
Bugging me that night. Whenever I opened a page in the Bible, parang lumilipad ang mga
Verses samukha ko. Isa samga verses na sumagot
Sa tanong ko kung babayaran ko ba
Ang mga utang ko o tatakasan ko na lang was
This verse in the apostle paul’s letter to the
Roamns: “let no debt remain outstanding, except the
Continuing debt to love one another, for he who loves
His fellowman has fulfilled the Law”(roman
13:8, emphasis mine).
Swak! Bull’s eye! Tinamaan ako. The Lord
Convicted me to pay all o my debts. And so I
Did, kahit pakonti-kontin. I wrote letters to my
Creditors telling them that I would pay them
Little by little every month. Eventually, I did
And my creditors were, by God’s grace,
Accommodating.
But what was even more earthshaking or
Me at the bible study was learning that
Someone had already paid for my debts as a
Sinner. All my debts have been paid for. That same
Person also paid for your sins as well.
“for the wages of sin is death, but yhe gift
Of God is eternal Life in Christ Jesus our
Lord”(romans 6:23, tniv, emphasis mine)
God creates everyone alike. He accepts people
Only because they have faith in Jesus Christ.
All f us have sinned and fallen short of
God’s glory. But god treats us much better
Than we deserve and because of Christ
Jesus, he freely accepts us and sets us ree
From pur sins”(romans 3:22-24, cev)
WOW! Ang sabi ng bible sakin—ako dapat
Ang mabgabayad para sa mga kasalanan ko. Na
Ang kabayaran ng aking mga kalanan ay ang kamatayan
Na walang hanggan. Impiyerno.
Aray! Hindi ito biro ah. But God has given me
A git. Jesus already paid for my sins at the
Cross. Bayad na! my sins and the whole world’s
Sins ay napako na sa krus. Ang kailangan na
Lang natin gawin is to believe and accept the
Free gift of God: eternal life through faith in
Christ.
Sobrang galling ng discovery na ito. I wrote
This book para ma-realize ng mga kapwa kong
Pinoy na pwede palang makamit “ang pera na
Hindi bitin.” Pero ang mas importante ay
Makamit natin ay “ang buhay na hindi bitin.”
Unlike money and wealth which does not come
For free and which you have to work for, God’s
Plan for man’s salvation is free. Here’s how:
“if you confess with your mouth that Jesus
Is Lord and believe in your heart that God
Raised him from the dead, you will be
Saved. For it is by believing in your heart
That you are made right with God, and it is
By confessing with your mouth that you
Are saved” (romans 10:9-10, NLT)
Halika, magdasal tayo.
“dear Lord, salamat! I learned a lot about
How to be a aithul manager of Your
Money which You entrust to me or will
Entrust to me. Salamat, Lord, na meron pa
Akong pag-asa para maging good provider
Para sa aking pamilya. Ngayon na ntuto na
Akong mag-save, magbigay, mabuhay ng
Simple, magsipag, mag-invest, at mag-aral
Para umasenso at maging isang faithful
Steward, sana Lord, You will bless my plans
And my actions.
“pero, mas mahalaga Lord God, I pray
That You will now enter my lie as my Lord
And Savior. I know that all the material
Possessions that I have in this life do not
Compare to being with You in heaven at the
End of my life.
“sslamat Lord Jesus sa Iyong
Pagmamahal. Amen!”
angelnowhere 