Clever Ideas to Make Your Paycheck Last Longer

http://www.bankingsense.com/wp-content/uploads/2014/12/budgeting-tips.jpg

Clever Ideas to Make Your Paycheck Last Longer

If you are like most families, you count the days until you get paid again.  It really isn’t that hard to make your paycheck stretch the whole two weeks, you just need to make a few small adjustments.  Here are some clever ways to help you hang on to your hard-earned cash a little longer every month.

1)  Bump up your take-home pay.  If it has been a few years since you began working for your current employer, it may be time for an update on your W-4 form.  You may have claimed zero so you wouldn’t owe taxes at the end of the year, but with all the new tax cuts for families, this may no longer be a wise choice.  If you start claiming more exemptions, you will have less money withheld from your paycheck and more in your pocket, plus money back come April 15.

2)  Put yourself on a daily budget.  On payday spend your money like you don’t have any.  Pay the bills that are due and buy groceries of course, but with the left over money you need to budget it carefully, and here is how:

Divide the lump sum by the amount of days left until payday.  That is how much you can spend a day.  If you have P10,000 left and you have 12 days until payday, you can spend around P833 a day.  If you spend only P700 of that money a day, you have P1596 left come your next payday.  Save that money every month and you have Christmas paid for!

3)  Stop the coffee habit.  You knew this one was coming.  Yes it is fashionable to go through the Starbucks drive thru, but it costs a lot of money to flaunt that designer coffee cup around.  If you really want to save money, wake up and smell the home-brewed coffee!  Add a flavored coffee creamer to your own coffee and get over it.  At P150 a cup twice a week, you would be saving yourself around P15,600 a year.

4)  Do some repairs yourself.  It used to be that if anything went wrong with your car or appliances you had no other choice but to call a repairman.  There is a better way to fix some things and save money: It’s called YouTube.  If the blinker light goes out on your car, look up how to replace the bulb on YouTube.  There is a video out there for almost anything and it would be wise to check there before you call the handyman.

5)  Stop your guilty conscience spending.  If you are one of those parents who has to spend lots of time away from home working, you may ease your guilty conscience by purchasing extravagant things for your kids to make up for it.  Stop spending money and start spending quality time with your kids.  That may only be a few hours every night, but make those hours count by making popcorn and watching a movie together or spend time reading or playing games.  This is low-cost time well spent.

 

To know more about Personal Finance Join us inside the Truly Rich Club >>CLICK HERE<<

Categories: Personal Finance | Leave a comment

6 Ways to Save Money at the Grocery Store

Truly_Rich_Club_grocery

6 Ways to Save Money at the Grocery Store

It seems like the hardest place to try and save money is the grocery store.  Prices keep going up and as your family grows up, they tend to eat more.  What’s a mom to do?  Here are 6 ways to save money at the grocery store that don’t require too much effort on your part.

1)  Buy less.  You may have heard that buying in bulk saves you money, but that is only if you are buying non-perishable items that you use often.  Purchasing too much of one food usually guarantees that most of it will go into the trash.  Only buy in bulk if you know you will use that ingredient within the expiration date or if you have room to freeze it all.

2)  Make a budget book.  Keep track of the groceries you buy often.  Make a list of things like bread, butter, milk and all the other usual suspects, and write the prices down for each after your shopping trips.  Buy doing this, you can see how the prices fluctuate from week to week, and you can also compare between grocery stores.  Keeping a budget book is also a good way to match savings with coupons and flyers using the average cost of these items, to see if you are really getting a deal.

3)  Buy meat wisely.  The meat department is where the bulk of your budget goes.  Try making a few meatless meals to save money.  If your family isn’t going to go for that idea, then buy cheaper cuts and make lots of stews and casseroles.  You can sometimes get a good deal at the butcher shop for a side of beef, but keep in mind you needs a big freezer for this purchase.

4)  Do your own processing.  It costs more money to buy products that save you time.  Sorry, but in order to save, you may have to put a little elbow grease into your meals.  Buy your produce in tact and cut it up when you get home.  Buy chickens whole and cut them up yourself.  For a few weeks, use your budget book to keep track of the regular purchases, then buy your items whole and process them yourself.  You will be quite surprised at the price difference.

5)  Buy store brands.  Store brands save you money.  Even if you have a coupon for a name brand product, the off brand will more than likely be cheaper.  Compare the ingredients and you will see that there really isn’t that much of a difference between name brand and store brand.  On the other hand, if you family absolutely hates the store brand, then you aren’t saving money if you have to throw the food away.

6)  Always shop with a list. Walking into the grocery store unprepared is a sure way to wind up with lots of food you have no use for, and not enough of anything to make a complete meal.

There are numerous ways to save money at the grocery store.  The six ways mentioned here are easy to implement and should show immediate savings.

 

To learn more about personal finance join us inside the Truly Rich Club. >>CLICK HERE<<

Categories: Uncategorized | Tags: | Leave a comment

Truly Rich Club – Young Millionaire

Truly Rich Club – Young Millionaire

“This Is The Only Sure Way Your Kids Will Become Millionaires On Their 20th Birthday”

 

Do you want your kids NOT to repeat your financial mistakes?

Do you want your kids to get an early head start and prepare for their financial future?

Do you want them to have an investing and entrepreneurial mindset at an early age?

There’s a way to do it and I can show you how.

Hi, my name is Bo Sanchez. One of my passions is helping children become investors and entrepreneurs early in life—because they will never forget these lessons. And since time is our greatest ally in becoming rich, their chances of becoming millionaires will be huge.

Yes, I started helping my own kids have this right “TrulyRich” financial mindset. My eldest son Bene started investing in the Stock Market when he was 10 years old. Each year, instead of spending all the Christmas money he gets from Ninongs and Ninangs (godparents), he invested it into the Stock Market. Plus whatever he earned from his small businesses. Four years later, he has P600,000 in his Stock Market portfolio. Before 20 years old, I know he’ll hit his first million.

What businesses was he in? When he was 5 years old, his first business was selling bangus or milkfish to family and friends.

At age 14, his business is a little bit more hi-tech: Bene makes modern websites for small companies.

More than the income, he’s learning powerful financial habits that will serve him for the rest of his life. (For example, after tithing 10% of his business profits to God’s work, and investing 50% of his earnings in the Stock Market, he lives on 40% only of his income.)

Do you want to help your kids have the same financial mindset? Do you want to raise your kids to become entrepreneurs and investors?

Let them learn these 5 Money Lessons…

The 5 Crucial Money Lessons Your Kids Need To Learn To Become A Young Millionaire

I’d like to personally invite you—come and join the TrulyRichKids’ HOW TO BECOME A YOUNG MILLIONAIRE Camp on April 25, 2015, 9:00am to 5pm, to be held in Pasig City (near ULTRA).

This Camp has two classes: One class is designed for kids ages 9 to 12 years old and the second class is designed for teens ages 13 to 19.

  1. Your kids will learn how to simplify; They’ll save money on a consistent basis, knowing the difference between needs and wants; they shall acquire the very important skill ofdelaying gratification.
  2. Your kids will learn how the Stock Market works; They’ll learn how to invest regularly, buy the right companies, and multiply their money over many years.
  3. Your kids will learn the importance of tithing; They’ll grow in the habit of generosity and the spirit of compassion.
  4. Your kids will “befriend” money in the right way, removing their wrong biases that it’s evil; they shall acquire a spiritually correct understanding that money is a servant, not a master, and thus must be used for God’s purposes.
  5. Your kids will be introduced to the world of Entrepreneurship, opening their minds to creating a product or service, selling the product, and making the business profitable.

That Entire Day Will Be FUN!

Because our target audience is kids ages 9 to 19, learning will happen through animated speakers and fun activities. Through various stories and games, they shall discover these crucial money lessons for themselves.

A very young and dynamic team of mentors and facilitators whom you and your kids will love will lead our Workshop.
Obet Cabrillas is an International Speaker, Author, and Overseer of our Youth Missions and Campus Missions of the Light of Jesus Family. He is also a serial entrepreneur and has taught his own 10-year son to be an entrepreneur like him.
Mayi Lubaton is a stockbroker who was once broke but found her way to become debt-free. She is currently working at COL Financial Investor Center – Makati. Regularly, she lectures on how to start investing in the stock market. She encourages individuals to start investing (specifically in the stock market) and to achieve their financial goals.
Marco Victoria started his first business when he was in Grade 6. And he has never stopped selling. Today, he runs too many businesses to count, from selling cars to selling shoes online.
Muriel Bautista has a Doctorate degree in Organizational Development; Her career includes working for the World Health Organization (WHO) and two foreign banks. But her passion today is helping children grow in financial wisdom. And sharing this passion with her are her team members JP Villafranca, Louie David, Elaine Santillan, and Migs Ebarvia.
Michele “Ichelle” Santos-Alignay is a mom to two adorable children Migo & Maia, and a dedicated wife to her husband Koots. She is a licensed guidance counsellor, resource speaker, and co-author of the book Growing Up Wired. She obtained her college degree in BS Psychology at the University of Santo Tomas, and her Masters Degree in Family Psychology from Miriam College. She has appeared in the TV show Umagang Kay Ganda and she is often invited to speak on topics related to family, relationships, and parenting.
Robbie Cabrillas is a Grade 5 student at Marian School of Quezon City. He’s probably one of the youngest entrepreneurs at the age of 10. His Dad Obet Cabrillas, a serial entrepreneur himself, rubbed off that passion on entrepreneurship in him. Robbie will inspire your kids to embrace entrepreneurship even at a young age.

Read more about Truly Rich Club – Young Millionaire CLICK HERE

To join Truly Rich Club CLICK HERE

Categories: Young Millionaire | Tags: | Leave a comment

Wealth Summit 2015

Karen Davila

Karen Davila shares what she learned from “MyPuhunan” about savings, valuing money

and the importance of character building as an ingredient to success!!!

 

Categories: Wealth Summit | Leave a comment

How To Make Millions In The Stock Market “Live” Seminar

Truly Rich Club

article source: www.trulyrichclub.com/stockmarketseminar

My Maids Did It; Now, It’s Your Own…

85% Of People Lose Money

In The Stock Market

(Be Part Of The 15% Who Earn Money.)

Join Bo Sanchez’

How To Make Millions In The Stock Market

“Live” Seminar on February 7, 2015

 

Question: Is the Stock Market like an Alien Monster to you?
And do you think that the Stock Market is for Billionaires only and not for regular human beings like yourself?
You’re not alone. A lot of people think that way.
Three years ago, I shocked the world by writing my book, My Maid Invests In The Stock Market And Why You Should Too. (That book became #3 in the Top Ten Bestselling Books List of National Bookstore.) All of a sudden, people realized that anyone could be rich through Stocks.
If you want to retire with millions through the Stock Market, this is the answer to your prayers. In this powerful Seminar, my team and I will teach how to invest in the Stock Market the right way.
Hard Fact: 85% of people lose money in Stocks. But if you follow the specific investing method that I will teach you, you’ll be able to create your millions for your future.

 

Continue Reading –> www.trulyrichclub.com/stockmarketseminar

 

For more details on Stock Market Seminar: CLICK HERE

 For more details on How to be a member of TRC: CLICK HERE

 

Categories: Uncategorized | Tags: , , , , | Leave a comment

Truly Rich Club ‘s Quarterly Gold Mastermind

TRC Gold Mastermind PNG


Learn How To Multiply Your Income At The Quarterly Gold Mastermind 

September 28, 2014, 2pm to 5pm,

in Banquet Hall 3 PICC

         You need this!

         This quarterly event is for TrulyRichClub Members ONLY.

         Purpose: To teach you how to create multiple income streams.

         It’s going to be a blast!  Every 3 months, you’ll enjoy the friendship of otherTrulyRichClub members.  And together, you’ll get an exposure on the various ways on how to grow your income. (Note: For those who can’t attend this live event, it will be recorded and the video will be available online for free.)

         In each Gold Mastermind Session, our very own Platinum members (and other mentors) will take the stage and share ideas on how you can create multiple income streams.

         Each Gold Mastermind Session will be different.  You’ll explore various incomes streams, such as…

  • Brick-and-mortar businesses
  • Online Stores
  • Virtual Assistants
  • Network MLM
  • Sales
  • Real Estate
  • Many, many more income streams

         Of course, we shall also discuss about Stock Market investing.

         I repeat: This is for all TrulyRichClub members ONLY.

         Learning investment for the Gold Mastermind should be P2000 per session, but since you’re a TrulyRichClub member, you pay P297 ONLY as one-time fee—as a token that you’re really serious in coming.  Reason for this registration fee: We’ve had not-so-happy experiences when we made our learning events free, where we had a lot of sign-ups, but few show-up; If we don’t charge, we won’t be able to differentiate the committed and the non-committed. But by charging a small token, you’re telling us that you’re really serious in joining this fantastic event.

For more details on TRC Gold Mastermind: CLICK HERE

For more details on How to be a member of TRC: CLICK HERE

 

 

 

 

Categories: Uncategorized | Leave a comment

Truly Rich Club ‘s Quickstart Seminar

Truly Rich Club Quickstart

Truly Rich Club Quickstart

Lost At How To Begin Your
Investment In The Stock Market? 

Hey, You’re In Luck*…

Join The QUICK START IMPLEMENTATION SEMINAR
September 7, 2014 (Sunday), 2pm to 5pm, in Banquet Hall PICC

*Actually, we like saying Blessed at the Truly Rich Club.

 

Feel lost?  Don’t know what to do?  Confused?

You’re normal.

Believe me, I know how someone can feel scared about the Stock Market.   I felt the same way when I started.  Because the Stock Market can be veeeeery intimidating.

I actually know of people who didn’t start investing in the Stock Market for an entire year—fidgeting, dillydallying—because they were so afraid of making a mistake when they opened their COLFinancial website.

Well, have no fear.  The solution is here.

Because as a member of the Truly Rich Club, you can now join the Truly Rich Club’s QUICK START IMPLEMENTATION SEMINAR. (Note: For those who can’t attend this live event, it will be recorded and the video will be available online for free.)

Join our very own Truly Rich Club’s Concierge Director Joey Tayaban and our excellent team of Trainors.  On that day, you’ll receive the following…

  • For those who don’t have an online Stock Market account, we’ll help you open a COLFinancial account.
  • For those who haven’t bought their first Stocks, you’ll learn how to buy and sell through a COLFinancial website.  We’ll teach you how to maneuver your way through that website.
  • You’ll learn how to enjoy ALL the benefits of the Truly Rich Club
  • You’ll learn the power of investing—including strategies on how to be consistent so you can create your future millions.
  • You can meet other new members of the Truly Rich Club.
  • You can ask all the questions you want on starting your investment program

Join the QUICK START IMPLEMENTATION SEMINAR and begin your investment journey NOW!

 

For more details on TRC Quickstart Seminar: CLICK HERE

For more details on How to be a member of TRC: CLICK HERE

 

 

Photo credit: http://giayphepdautu.com.vn/upload/images/hinhthucdautu%20spvninvest%26ip.jpg

Categories: Uncategorized | Leave a comment

SUPERCONFERENCE 2014

Do You Feel Your Income Is
Trapped In A Quicksand?
Here’s How To Get Your Wings
& Gain Your Wealth…

 

Join The TrulyRichClub’s Money-Making Strategies

SUPERCONFERENCE 2014:

ANGELS OF ABUNDANCE

Truly Rich Club

Truly Rich Club

Join Anthony Pangilinan, International Speaker who has trained leaders in over 50 countries,

Eric Puno, Co-Founder of Yellow Cab and Owner of Army Navy,

Rex Mendoza, President and CEO of Philam,

Bo Sanchez, Founder of the TrulyRichClub, and many other Fantastic Mentors!

 

Superconference 2014

Superconference 2014

This cuts my heart.

Everywhere I go, I see nice people working in nice jobs, driving nice cars, and living in nice houses… but all they do is just make ENOUGH to pay for their not-so-nice monthly bills.

They work extremely hard. But at the end of each month, nothing much is left. Nothing much for their dreams. Nothing much to give to others.

They work extremely hard. But at the end of each month, nothing much is left. Nothing much for their dreams. Nothing much to give to others.

This is the story of the middle class.

In my recent trip to Los Angeles, I talked to a Filipino friend who migrated there 12 years ago. After working in two jobs, many times sleeping 4 hours a day, he now “owns” a  Continue reading…

 

For more details on SUPERCONFERENCE 2014: CLICK HERE

For more details on How to be a member of TRC: CLICK HERE

 

Categories: Uncategorized | Tags: , | Leave a comment

8 HABITS OF THE HAPPY MILLIONAIRE Seminar

8 habbits

8 Power Habits That Will Dramatically Change Your Financial Life Forever

Join Me at The HABITS OF THE HAPPY MILLIONAIRE Seminar

On May 24, 8am to 12noon, at Mandaluyong City!

Do you feel stuck in your financial life?

Like nothing is happening with your income?

Do you sometimes feel like you’ll never become rich?

Hey, I can relate.

For 20+ years, I was a poor missionary.

Don’t get me wrong. I was very happy. I didn’t care about money.

Of course, it helped that I was single!

But when I got married at the age of 32, I knew things had to change. Drastically. Or I’ll be in trouble.

So I wondered if it were possible for me to become wealthy—not only for the sake of my new family—but for the sake of all those I wanted to help through my ministry.

At that point, I really felt God guiding me.

He helped me by leading to me a special group of people…

And my life—and finances—were never the same again.

 

CONTINUE READING: http://www.trulyrichclub.com.ph/8habits/

Categories: Seminar | Leave a comment

Monthly Learning with “Evening with the Dean” for Truly Rich Club Members Only

Dean Pax and Edward Lee

“Looking forward to host our PLATINUM members of TRC for their ‘Evening w/ the Dean’ at AIM this coming Wednesday May 7. Please make sure that you register first as seats are limited. Learn more how to become truly rich and actively manage/grow your finances thru business & investments.” ~ Dean Pax Lapid

Photo Credit: https://www.facebook.com/profile.php?id=521382222&fref=ts&ref=br_tf

 

 

Categories: Uncategorized | Leave a comment