52 Healing Habits

52 Healing Habits

Attention: If You Want Healing—God’s Way

How to Transform Your Health, in Body and Soul, One Simple and Powerful Habit at a Time!

Attention: Get Bo Sanchez’s 6-Video Awaken The Healer in You Seminar, absolutely FREE,

If you join Bo’s 52 Healing Habits Program!

When you sign up for Bo Sanchez’s 52 Healing Habits Program, you get Bo’s revolutionary Awaken the Healer in You 6-Video Seminar, Bo’s monthly LifeTalks, and so much more.

To Totally Transform Your Health in 52 Weeks,
Click Here

      I have an important announcement to make:

      God has given you the power to heal yourself.

      This is an awesome power.

      And this power is already at work in your body.

      Within your body is a powerful healing system that fights germs, heals diseases, and prevents you from getting sick.

      Friend, God has placed a healer within you.

      And that healer is an amazing healer!

      Some of you may ask, “Bo, are you talking about the immune system?”

      Yes, but not just the immune system as you know it.

      Because we’re talking about a healing system that is both natural and supernatural, both physical and spiritual at the same time.

You Can Regain Your Health

      Yes, you can be healthy.

      You can protect yourself from many major diseases.

      You can even reverse some diseases that doctors say are irreversible.

      You can grow to your old age yet move like a person 30 years younger.

      That’s all possible.

      How? I want to teach you 52 Healing Habits that will change your health forever.

      Do you want to feel better everyday?

      Do you want to avoid the common pains that your friends your age are complaining about?

      Do you want to save yourself from costly medicines?

      Do you want to avoid all the crazy side effects that come with taking medicines and medical treatments?

      Do you want to enjoy life with your kids and friends for a long time to come?

      Hi. My name is Bo Sanchez.

      I’d like to share with you simple, natural, and enjoyable healing habits that have worked for me and for so many of my friends.

      And this healing will involve every part of you.

      These powerful Healing Habits will not just touch your body, but will touch your soul as well.

      Why? Because both are connected

      In truth, your body and soul are one.

I Was a Sickly Boy

      When I was a kid, I used to get sick every other month.

      Flu. Bronchitis. Diarrhea. Ulcers. Measles.

      Especially measles.

      I’m the only person on planet earth I know who got the measles six times.

      First it was German measles.

      After that, I don’t know which country they came from.

      They didn’t show me their passports.

      My doctor was baffled why I got sick so often.

      Years later, I learned why.

Emotional Roots

      Even as a kid, I was riddled with emotional problems.

      One reason: I was molested as a child.

      When I was eight years old, a cousin bigger than I was abused me. When I was 13, my youth group leader molested me too. (I wrote about this in my book, Your Past Does Not Define Your Future.)

      Irrationally, I felt I was bad too.

      Subconsciously, I felt I deserved to be molested.

      As a teenager, I developed an addiction to pornography.

      I saw myself as a big failure.

      I had low grades in school.

      It didn’t help that I was terrible in sports.

      I hated myself.

      I was ashamed of myself.

      Looking back, I felt I was in a prolonged state of despair.

My Image of God
Didn’t Help Me to Like Myself

      My brand of spirituality didn’t help me.

      Because I had a distorted image of God.

      My Bible said that He loved me.

      But somewhere deep inside, I felt He really didn’t like me.

      I felt He was obsessed with my sins, constantly catching me with my hand inside the cookie jar. Sure, I was His child. But I felt that to Him, I was a sinner first. That was how He saw me.

      Looking back, I now know this was all a projection of how I saw myself. I projected my self-disdain onto God.

      And my brand of spirituality corroborated with my projection.

      In my mind, God was some type of benevolent tyrant who wanted my attention and allegiance. If I gave Him my love, He’ll be kind to me. But if I didn’t give Him my love, well, He’d punish me to Hell forever.

      My wrong image of God worsened my emotional sickness.

      I already felt ashamed of myself.

      Every morning, I’d wake up depressed.

      I was ashamed that I was alive.

      I was ashamed that I even existed.

      And whenever I prayed, was God also ashamed of me?

      It felt like it.

      And my self-disdain was showing up in my body. I was manifesting my shame in my weak immune system.

      No wonder I was sickly.

Taking Care of My Body Was Good,
But Not Enough

      In my late 20s, I decided to go semi-vegetarian.

      I gave up chicken, pork, beef—and ate only fish.

      Reason?

      I wanted to be healthier.

      I wanted to serve God for many more years to come.

      I felt my diet helped, but I felt there was something lacking.

      Looking back, it was because my physical weakness was rooted in my emotions and spirit. Thus, for complete physical healing to happen, I had to receive emotional and spiritual healing too.

The Real God Broke Through
the Caricature God

      Slowly, God’s love conquered my wrong image of Him.

      And God’s love conquered my shame and self-hatred.

      Little by little, I saw cracks in my perverted understanding of God. Gradually, I realized I was worshipping the wrong God.

      And step by step, I began to experience a different God.

      A God who first saw me as His son before a sinner.

      A God who saw my good before my bad.

      A God who wasn’t obsessed with my sin, but obsessed with how wonderful I was.

      A God who celebrated me. A God who cherished me. A God who really, really liked me!

      It was in my 30s that I began to love myself.

      And I realized that this was the key to my healing.

      When I learned to forgive, accept, embrace, and love myself, I felt my body experienced powerful healing. And when I did, I felt my body instantly become stronger and healthier.

To Totally Transform Your Health in 52 Weeks,
Click Here

It Has to Be Total Healing

      My point?

      You can’t heal your body without healing your entire being. If you want to heal your body, you need to heal your spirit, your mind, and your emotions.

      But health isn’t just the absence of disease. I want to help you achieve optimal health, vitality, and strength.

      Friend, I shared with you my story just as an example.

      The root cause of your physical weakness or sickness may be totally different from mine.

      Perhaps your disease comes from a subconscious anger that you’ve never released. Perhaps your father abandoned you or abused you. Perhaps you never experienced love as a child.  Perhaps there’s a deep, powerful fear that has gripped you for decades now. Perhaps you’ve been under prolonged stress.

      Or perhaps your relationships are shallow and your heart is starving for love.

      Or perhaps you’re eating wrongly.

      Or perhaps your entire system is overwhelmed with chemical toxins.

      Here’s my promise: If you apply the 52 Healing Habits I’ll share with you, you’ll be able to heal many diseases you’ve been battling for years.

      I believe you don’t have to be sickly or physically weak.

      I believe it’s possible to live until you’re 100 while still enjoying the strength and vitality of a 50-year-old.

      You can be in sparkling health!

      Here’s a secret: Natural healing and supernatural healing are really one.

      They’re not separate. Because your spirit and your body aren’t separate entities either.

The Best Pharmacy in the World

My son, do not forget my teaching, but keep my commands in your heart, for they will prolong your life many years and bring you prosperity . . . This will bring health to your body and nourishment to your bones.”

 Proverbs 3:1-2, 8

      We like popping a pill for our diseases.

      If we want to sleep, we take a sleeping pill.

      If we want to be tranquil, we take a tranquilizer.

      If we want to fight germs, we take an antibiotic.

      If we want to slim down, we take an appetite suppressant.

      But all these pills will never solve your problem if you don’t address the emotional roots of your disease.

      Worse, drugs cause many problems. Not only is the original problem not solved, these pills cause many side effects.

      Friend, your body is the greatest pharmacy in the world. It produces the best drugs you can ever find in the planet.

      The drugs produced by your body are 100 percent natural, produces no side effects, and is given at the right dosage every single time.

      Doctors have known the placebo effect for a long time now.

      They’ve done thousands of experiments on placebos.

      They give a patient a pill with absolutely nothing in it and tell him it will remove his pain. The patient takes the pill and his pain disappears. Why? Because his body was producing natural pain-killers so effective, so efficient, it gives it at the right dosage and at the right time.

      They’ve conducted experiments with patients who had cancer.  They’re given a pill that was absolutely inert and they’re told it was anti-cancer drugs. The patient swallows it. Immediately, the patient starts manufacturing powerful anti-cancer chemicals within his body.

      Your body is more powerful than you think it is.

      When you pray with profound peace, when you laugh till your belly hurts, when you take deep breaths, when you enjoy the sunset, when you get a hug, when you’re engrossed in a project that blesses the world, your body manufactures all-natural chemicals that heal your body.

The Shocking Truth

      This blew my mind.

      Studies show that 85 percent of all diseases are rooted in our emotions.

      Wow.

      That means that among the 17 million people who died of heart disease last year, and among the 7.2 million people who died of cancer last year, 85 percent of those diseases were rooted in their emotions.

      Man! If only someone taught them to work on their emotions (not just on their bodies), some of them might still be alive today.

      Here’s what I believe.

      Most of our diseases are messages.

      What message? Diseases are telling us that we have a spiritual need that we need to fill.

      But instead of listening to the message, we kill the messenger. We get rid of the sickness without addressing our soul needs. Very soon, the sickness will reappear.

      Sometimes, in a fatal way.

      For example, our sickness may be telling us, “You need to forgive and get rid of your anger,” but instead of forgiving, we take a pill. Or our sickness is telling us, “You need to stop worrying and trust God more,” but instead of trusting, we take a pill. Or our sickness is telling us, “You need to stop working too hard and relax more with your family,” but instead of playing with our kids, we take a pill.

      In primitive societies, doctors were also priests. When people got sick, the cure was holistic. Aside from giving them herbs, doctors told them to pray, to forgive, to trust in God.

      And then the scientific revolution came, and doctors focused purely on the body.

      Today, the old model is coming back.

      Because now, my friend doctors are praying with their patients, telling them to have faith, to forgive, and to spend time with their families. They’ve become doctors and priests again.

Today, Consult Your Manufacturer

It is reasonable to expect the doctor to recognize that science may not have all the answers to problems of health and healing.

–Norman Cousins

      If your phone is busted, what do you do?

      You just don’t bring it to anyone.

      If you’re wise, you bring it to its manufacturer.

      If you have a Nokia phone, you bring it to Nokia.

      If it’s Samsung, you bring it to Samsung.

      If it’s an iPhone, you bring it to Apple.

      Today, I want you to go to your Manufacturer.

      Get yourself repaired.

      Consult Him.

      What does He say about becoming healthy?

      I’m not a doctor.

      I’m a spiritual mentor.

      So I’ll be showing you what the Bible says about health.

      It’s amazing how science is now discovering the logic behind these ancient verses.

 Transform Your Health in 52 Weeks

      If you sign up in my 52 Healing Habits Program, you’ll receive six big blessings:

Big Blessing #1:

Each Month, for the Next Six Months,
You Receive One Video of Bo’s Six-Video Seminar,

Awaken the Healer in You,

MP3 Ready for Instant Download

In this powerful Seminar, Awaken the Healer in You, I’ll reveal to you the thieves that are stealing your health: Spiritual, emotional, and chemical toxins in your body.

      Because of those toxins, many people are getting sick.

      But here’s the good news: When God created you, He created an incredible healer in you. You’ve got natural and supernatural healing power at work in your life.

      By removing these spiritual, emotional, and chemical toxins in your system, you awaken the healer in you.

      And you heal yourself.

      And if the healer in you is awake, it even prevents many sicknesses.

      Here are the 6 Principles to Optimal Health that Bo will discuss in the Awaken the Healer in You Seminar:

Principle 1: You Have the Power to Heal Yourself

Principle 2: What You Feel, You Can Heal

Principle 3: Only Love Heals

Principle 4: You Are What You Eat

Principle 5: Get Rid of Physical Toxins

Principle 6: Believe That God Can Heal You

      But that’s not all…

Big Blessing #2:

Each Week, You Receive One (1)

  Healing Habits eReport from Me

      Here’s my philosophy: I’ll serve you small bits of inspiration and instruction once a week instead of a big wallop once a month.  So once a week, I’ll email you one Healing Habits eReport.

I promise that each of the Healing Habits eReport will be brief, to the point, and applicable to your life. They will be life-changing, very “actionable” and simple ways how you can regain your health in body and soul.

But there’s more…

Big Blessing #3:

You’ll Receive My LifeTalk Each Month,
MP3 Ready for Download,

To Grow in Your Personal and Family Life…

      Every month, I’ll help you grow in your personal life.

Remember that your body and soul are one.  When your soul becomes healthy, your body is blessed with health too.

How? Each month, I’ll select one of my very best, most powerful inspirational messages, and make it available for your listening pleasure. These monthly messages will encourage you, build you up, and enrich your soul. In the privacy of your home, you can listen to these practical messages again and again. Remember that the secret to changing anything is constancy. Month after month after month, you can listen to something uplifting, positive, and encouraging messages.

Each month will be like a surprise—where I cover various areas of your life. Sometimes, I’ll address your spiritual life.  Sometimes, I’ll speak about your family life. And when your beliefs and thinking will change, so will your life.

But that’s not all…

Big Blessing #4:

Everyday, You Receive a

GodWhisper from Me, Absolutely Free

This is my secret weapon. This is so good, I’m betting this will be the favorite feature of my 52 Healing Habits Program. I call it GodWhisper. Every day, I’ll email you a very short, sometimes humorous, sometimes serious, but always insightful personal message from God to you. It will be a treat for your soul. I’m sure you’ll be looking forward to these GodWhispers. For some people, I bet this alone is already worth their enrolment to the Healing Habits Program! But wait a minute. There are more blessings I want you to receive…

Big Blessing #5:

You Receive My inspiring E-Book,

AWAKEN THE HEALER IN YOU,

How to Heal Your Body—God’s Way!

Absolutely FREE!

      I’m giving you my very inspiring, AWAKEN THE HEALER IN YOU, How To Heal Your Body—God’s Way.  It will be a perfect companion to the Video seminar I’m giving you. (See Big Blessing #1 above.)

I wrote this e-book, Awaken the Healer in You, to teach you how to slowly replace your old body and create a new one. Yes, God has given to you the power to do that.

I must warn you: It won’t be easy.

Overhauling your body requires overhauling six critical areas of your life: your beliefs, your emotions, your relationships, your eating, your protection, and your faith.

But it can be done.

I’ve seen it happen in my life.

Here’s what you’ll find inside this e-book:

 Table of Contents
  • Principle 1: Healer
    You Have the Power to Heal Yourself
  • Principle 2: Emotions
          What You Feel, You Can Heal
  • Principle 3: Relationships
          Only Love Heals 
  • Principle 4: Nourishment
    You Are What You Eat
  • Principle 5: Protection
          Get Rid of Toxins
  • Principle 6: Trust
          Believe That God Can Heal You

But that’s not all…

Big Bonus 6:

You Can Earn Passive Income,
(25 percent Commission Every Month)

      This is not for everybody.

Because some of you don’t need an extra income. If you don’t, skip this part. But just in case you do need extra income, I want to put this here. At least you know that it’s available for you.

I repeat: You don’t have to use this option.

But if you’re interested, you can actually earn passive income through the 52 Healing Habits Program.

What is passive income? It’s income that you earn while you sleep. You earn even if you’re vacationing in an island, sipping orange juice atop a hammock.

How? You can be my Affiliate.

Very simple: All you have to do is email your friends and tell them of your great experience in the 52 Healing Habits Program. (Or just put a 52 Healing Habits link in your Blog or Facebook account.) For every person that joins the 52 Healing Habits Program because of your invitation, you get 20 percent of his or her monthly subscription fee every month. For as long as that one person is a member, you’ll receive that 20 percent month after month after month.

PLUS, if that friend invites another friend, you get five percent commission from that too. Over time, your monthly commissions will grow.

People ask me, “Bo, why are you doing this?”

The answer is easy. I want to help people more.

Here’s a fact: Money will affect your health. For example, if you choose organic fruits and vegetables for you and your family, you’ll find that they’ll be more expensive than the regular food that people buy. So earning extra income will give you more freedom in your food purchases.

I repeat: This option is not for everybody.

You don’t have to use this facility.

But I decided to put it here for those who wish to use it and earn extra income.

To Totally Transform Your Health in 52 Weeks,
Click Here

Get Wowed Or Your Money Back—Guaranteed!

Let me take all the risk. I want you to experience the blessings of our 52 Healing Habits Program. If during the first month of your membership, you didn’t find the material I sent you a powerfully inspiring “Wow” experience, then simply tell us—and we’ll return your money. No questions asked. And you can keep all the great stuff I sent you as my FREE gift to you for just trying.

 

Big Blessing 1: Receive 1 Video Talk every month (instant access via MP3) for the next 6 months of Bo’s 6-Video Awaken the Healer in You Seminar—FREE

Big Blessing 2: Receive 1 Audio Talk (instant access via MP3) of Bo’s LifeTalks every month–FREE

Big Blessing 3: Receive 1 of Bo’s Healing Habits eReport every single week

Big Blessing 4: Receive Daily GodWhispers Email–FREE

Big Blessing 5: Receive Awaken The Healer In You E-Book–FREE

Big Blessing 6: Earn Passive Income by being Bo’s Affiliate in the 52 Healing Habits Program

      To receive all these 6 Big Blessings, click on the link below.

“Yes, I Want to Regain My Physical and Spiritual Health & Get the 52 Healing Habits Program!”

To Grab This Offer, Click Option Below:

CLICK HERE

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Basic Tips on Personal Finance – trulyrichclub.com.ph

 

Truly Rich ClubIf you discover that you are asking yourself these sorts of concerns, maybe you ought to take a lookout at your monetary scenario and examine whether you are exercising excellent individual finance management or not. Great individual finance management invests within their earnings, strategy for the future and fix monetary issues as they occur. Poor individual finance management pay more, do without and fall behind.

Planning your individual financial resources does not constantly come naturally, as well as if you’re simply starting to take your monetary matters seriously, then you likely require a couple of individual finance ideas.

One of the most essential objectives for a lot of individuals is monetary self-reliance. Gather precise details about your individual monetary circumstance.

A standard individual finance idea is to make a budget plan. An individual finance budget plan is info composed of your earnings and expenditures and the more precise this info is, the most likely you are have the ability to satisfy your objectives and recognize your dreams. An individual finance spending plan need to be produced at a lot of one year at a time and consist of a list of your month-to-month expenditures.

Personal finance budgeting needs some little sacrifices. To be able to make excellent individual monetary choices and set concerns, you need to understand where your cash is in fact going.

Get an electronic costs pay. You can even connect your expense pay service to your individual finance spending plan, so that your expenses are immediately gone into in the proper classification. Individual monetary management can be truly simple.

Now that the basic state of your individual monetary security has actually been developed, the time has actually come for the more flourishing part of your individual monetary life. You require to make an individual finance strategy of exactly what you truly desire in life that cash can purchase. Your individual monetary strategy can be as easy or as detailed as you desire it to be.

You can get ready for a protected individual monetary future by following these basic ideas. You do not have to fret about financial obligation taking control of you when you take control with your cash.

If you discover that you are asking yourself these sorts of concerns, maybe you ought to take a lookout at your monetary circumstance and evaluate whether you are exercising excellent individual finance management or not. Great individual finance management invests within their earnings, strategy for the future and fix monetary issues as they occur. An individual finance budget plan is details made up of your earnings and costs and the more precise this details is, the more most likely you are be able to fulfill your objectives and recognize your dreams. Now that the essential state of your individual monetary security has actually been developed, the time has actually come for the more flourishing part of your individual monetary life. You require to make an individual finance strategy of exactly what you actually desire in life that cash can purchase.

If you wanna be guided with your Finances join us. CLICK the image below to know more.

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The secret to an effective individual budgeting plan – trulyrichclub.com.ph

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

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

All of us understand we have to make a budget plan. All of us understand that a budget plan is a strategy. All of us understand that without a strategy in life, we will certainly not be successful.

Why do we discover it so hard to make a spending plan? Exactly what’s our budgeting issue?

If you budget plan by the week, and pay by the week, your life will certainly be easy.

Make a column, or a page, for every time you get paid. If you get paid every week, you desire one column for every week you get paid. And bear in mind, we desire to keep it basic, so do not put more than one month’s worth of columns on a page.

By then they have actually invested so much time preparing to do a spending plan, that they do not have time to do a budget plan!

Bear in mind the key to an effective spending plan is to keep it basic. How can you keep your spending plan simple?

They acquire the newest cash tracking software application for their computer system. By then they have actually invested so much time preparing to do a budget plan, that they do not have time to do a spending plan!

If you spending plan by the week, and pay by the week, your life will certainly be basic. You will not be fretted about whether you will certainly have the lease cash today; you will certainly currently have actually set the cash aside. No tension, no fears, due to the fact that the trick to effective budgeting is keep it easy!

I just pay my lease as soon as per month; I cannot put my lease on my budget plan every week, can I? We are keeping it easy, so if you pay $1,000 per month in lease, put $250 per week on your budget plan. The trick is that in your basic spending plan you are setting aside the lease cash every week, so when lease day shows up, the cash is currently in the bank.

Keep in mind the trick to an effective budget plan is to keep it basic. We are keeping it easy, so if you pay $1,000 per month in lease, put $250 per week on your spending plan. The trick is that in your easy spending plan you are setting aside the lease cash every week, so when lease day shows up, the cash is currently in the bank.

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Why Saving For Retirement Is very important?

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Truly Rich Club

Many individuals do not understand the value of preparing for retirement. If you are one of those individuals, please continue reading on for information that will likely change your outlook on planning and preparing for your retirement.

The greatest reason why you must save money for retirement is since it is your life. The quantity of money that you save money for retirement will certainly have an extensive impact on how your life is lived. Do you have any objectives or dreams? Typically, retirement is the very best time to satisfy your objectives and change your dreams into truth, but you can only doing this if you are financially prepared. If you are not, you might be fretted about where you will live or where your next dish will originate from, as opposed to wondering when the very best time to take a getaway is.

Another essential factor why you ought to begin saving for retirement and early is for your kids. Those who do not appropriately strategy and save for retirement put a huge concern on their households.

Conserving for retirement can also assist to guarantee that you are well cared for. While you may be able to live on your own and care for yourself when you first get in into retirement, there might come a point in time when you can no longer do so. The expense of long-term can be expensive and it ought to be consisted of in the cost of your retirement; for that reason, you ought to start conserving now.

Because you won’t want to keep on working, another one of the lots of reasons why you will want to start conserving for your retirement is. Those who are not really prepared for retirement commonly continue working or later return to the workforce. Is this actually something that you wish to do? Also, remember your age and your health. It is highly unlikely that you will be ale to work up until you pass away. That is why you need to start conserving for retirement, as you can not create earnings on your own forever.

Many financial consultants state you will certainly require around 70 % of your present income to live conveniently in retirement. Given that you can not rely on social security advantages to survive, you require to begin saving for retirement.

As highlighted previously, there are a number of reasons you must conserve for retirement. Your life remains in your very own hands, so start saving money today.

Another crucial reason why you must start saving for retirement and early is for your kids. The expense of long-lasting can be expensive and it ought to be included in the cost of your retirement; therefore, you should start conserving now.

Another one of the many reasons why you will want to begin saving money for your retirement is because you will not desire to keep on working. That is why you should start conserving for retirement, as you can not create earnings for yourself permanently.

Considering that you can not rely on SSS advantages to survive, you require to begin saving for retirement.

If you want to learn more about handling your finances, click the image below.

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The Automatic Wealth Building Habit

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Truly Rich Club

Can you actually construct wide range immediately?

Due to the fact that you do not also have to remember it … a financial computer system keeps in mind the practice for you, you are going to enjoy this behavior! Exactly how is that feasible? Continue reading and also you will certainly quickly view.

Below is exactly how the automatic wealth building habit functions. It is based upon the wonder of worsening passion and also the fantastic financial innovation that is offered to basically we all today.

The solution is indeed … you simply should get a brand-new wide range structure routine.

 

Action 1

If you do not have a savings account via “Expense Pay” visit a financial institution that has it and also open up a brand-new account. Ask the number of examinations can be sent out monthly, can it be handled using the web, just what are the expenses. Several financial institutions now provide this solution completely free as a promo to obtain even more clients.

Action 2

Determine that it is that you intend to assist develop wide range. Yourself, your kid, a grandchild, or perhaps a close friend. This practice likewise helps developing spiritual wide range … much more on that particular later on.

Action 3

The actual power of this practice is that you are not visiting be sending out costs most of the times … you will certainly be sending out wide range structure repayments … immediately!

After you open up the account you now have the capacity to choose any type of quantity of cash that you desire sent out to anyone or company and also at virtually at any time period. Some financial institutions also provide an unrestricted quantity of expenses that can be sent out. The financial institutions will certainly after that forward examinations at routine periods to the companies or folks you have actually marked … you do not need to do anything.

OK, just before we reach tip 4 allowed’s take a look at the outstanding power of worsening passion to view just how much wide range can be developed gradually with this behavior.

Below is an instance of the amount of wide range you might construct by having your billpay send out merely P50 monthly right into an account (stock fund, Individual Retirement Account, etc) that has a 5 % return.

1 Year = P615.
5 Years = P3,400.
One Decade = P7,764.
25 years = P29,775.

It is remarkable wide range structure power.

Now it is time to adjust up your automated wide range structure behavior utilizing your financial institutions billpay system. Obtain the address of the individual or company you desire the cash sent out to consisting of the account number. Go online as well as established up a brand-new account via this info.

Choose which it is that you really want to assist develop wide range. This routine likewise functions for constructing spiritual wide range … a lot more on that later on.

* Establish your expense pay to in fact pay costs that you have actually paid late in the past … you might have the ability to save money sufficient in stopped late costs to money your wide range structure repayments!

You could find out a lot more concerning intensifying passion by doing a Google search on the net. Certainly the quantity of wide range you could develop differs via the quantities as well as regularity of expense repayments sent out to your wide range structure accounts and also your interest rate.

* Establish an automated costs pay to send out a charity a repayment each week. Keep in mind that I stated previously that this behavior can assist you develop spiritual wide range? Also when you miss out on a Sunday solution if your church gets an automated charity repayment every week you are assisting to assist your church every week.

* Establish an automated costs pay to money a youngster’s interest-bearing account, simply have the cash be sent out to the kid’s financial institution via their account number provided on the examination memorandum “Down payment to account ######”.

Now it is time to establish up your automated wide range structure routine utilizing your financial institutions billpay system. Keep in mind that I stated previously that this behavior can assist you construct spiritual wide range?

You could obtain really imaginative via exactly how you construct wide range and also that you aid develop wide range.

* Establish an automated expense pay to money a youngster’s university education and learning. When the kid is birthed or still youthful, there are lots of states that have strategies that begin via reduced month-to-month costs.

As an instance, you could possibly establish up your expense pay to send out P12.50 each week right into an account (Amounts to P50 each month) or alter it to P15 each week for a couple of weeks and also after that back down to P12.50 at a later time. It is remarkable wide range structure power.

Tip 4.

* Establish an automated expense pay to send out cash to a person in need.

The opportunities are countless … you merely have to act and also make it take place!

This is where research study could aid you, it is past the extent of this write-up to reveal you all the impressive opportunities that already existing.

 

Truly Rich Club

Truly Rich Club

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New Video from Bo Sanchez – trulyrichclub.com.ph

http://www.trulyrichclub.com.ph/videomessage

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Success Speaker Club – trulyrichclub.com.ph

“They Were Disappointed When I Told Them I Was Their Speaker—Until I Stood In Front of them And Opened My Mouth…”

Success Speaker Club

Success Speaker Club

People are shocked when I tell them I’m not a born speaker.

I had to LEARN how to speak.

Year after year after year.   (To this day, I still am learning.  Even after 30+ years of speaking, I constantly read books, attend seminars, and seek out mentors.  I don’t stop learning—which is a very important key to my success.)

I’m sure you know guys and gals who are born speakers.  You’ll find them talking non-stop, arms gesticulating, monopolizing conversations whenever they’d be given half-a-chance to speak.

Well, I’m not like that.  By nature, I’m a shy person.

In fact, when I started speaking as a teenager, I’d just sit at the back of the room, preferring to be quiet and unseen, waiting for the meeting to start.

Let me tell you a true story.

While waiting, I remember a middle-age woman who walked up to me and with a raised eyebrow, and asked, “Excuse me, who are you?  Why are you here?”

When I said, “Uh, I’m the group’s invited speaker…,” her eyes bulged.  (It didn’t help that I was young, wore terrible clothes, and was as thin as a praying mantis.)

“Oh, I see…” she said, disappointment written all over her face.  And she walked away, shaking her head.

A few minutes later, the meeting started.  And the host called my name, telling them that I was “one of the youngest speakers”.   When I walked on stage, and opened my mouth, their jaws dropped.  They didn’t know what hit them.

Even to this day, some people are shocked when I tell them that off stage, I’m quiet and reserved.  I wasn’t born with a quick wit or a ready answer.  I painstakingly prepare for my talks.  (It still takes me 4 days to prepare a 30-minute message.)

That’s why I firmly believe anyone can speak better.  Because it happened to me.

Do you want to be a more successful speaker?

I have the solution…

Yes, You Can LEARN To Be A Great Speaker

Do you feel stage fright?

Do you feel a lack of connection with your audience?

Do you feel stiff in front of your listeners—and thus they’re stiff as well?

Do you lack confidence on stage?

Do you want to actually enjoy speaking in front of large audiences?

Friend, you can be a successful speaker.

How?  By LEARNING to be one.  You don’t have to be a born speaker.  You can actually GROW to become better and better everyday.

This is the reason why I created SuccessSpeakersClub

If you need to improve your speaking, I’d like to personally invite you to join the SuccessSpeakersClub.  I’m the Founder of the Club; And Arun Gogna, one of the most effective, well-loved, and funniest speakers in the country, is the Club’s Executive Director.

Let me tell you about Arun…

Who Is Arun Gogna?

I remember the first time I heard him speak.

Somewhere in the middle of his talk, I told myself, “My gosh, this guy is one of the funniest preachers in the world.”

Soon, I was wiping my tears.  I was laughing so hard, I was crying!

By the end of his talk, I was still crying.

But not anymore because he was so funny.  I was now crying because he ministered to my soul.  Through him, I felt God was speaking to me in a very clear and personal way.

Arun Gogna disarms you with his humor and before you notice what’s happening, he has gently slipped into your heart God’s message for your life.

Through the years, God has brought us together as dear friends.  I now have the distinct privilege of serving with him, side by side, in one ministry.

Wow Your Audience!

Learn from me, from Arun and our Team of Mentor-Speakers.

Join the SuccessSpeakersClub and get the coaching you need to be the best speaker you can ever become.

By joining the Club, you’ll be enrolling in an ongoing, non-stop training on how you can be the best speaker you can ever become.

You receive these 3 Huge blessings…

Blessing #1:

Each Month, You Receive
The SuccessSpeakers VIDEO CLASS

Each monthly VIDEO CLASS is filled to the brim with practical strategies on how you can become the best speaker. You’ll enjoy an audiovisual treasure each month, which will include samples of Great Speakers—so you always have inspiring models to learn from.

Blessing #2:

Each Month, You Receive
The Great Communicator REPORT

Each page of this Great Communicator Report will be loaded with ready-to-apply wisdom to develop, hone, and elevate your speaking skills; You’ll read practical tips on crafting a superb message, and delivering it with maximum impact.

If you’re interested, click the link below:

Blessing #3:

Each Month, You Join A
The Ambassadors Workshop, Live!
Led By Arun Gogna

There are two membership levels at the SuccessSpeakers Club: Envoy and Ambassador. If you sign up at the Ambassador Level, each month, you’ll gather with a small group of high-achievers like yourself and learn together. Imagine a room of like-minded people and the magic of synergism! Get ready to speed-up your learning through these 2 to 3 hour monthly workshops—Live!

Success Speaker Club

Success Speaker Club

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God Whispers Club – trulyrichclub.com.ph

Who Else Wants To Change
Their Life Forever?

Your Beliefs Are Powerful.
When You Change Your Beliefs, You Change Your Life Forever.
How? Receive GodWhispers 7 Days A Week.

Plus: Get 7 Fantastic Blessings When You Become
A Platinum Member Of The GodWhispersClub.

 A mountain of 8 Big Bonus Blessings to inspire you now!

To Change Your Beliefs & Get
Your 7 Free Blessings, Click Here

How could something as simple as GodWhispers change your life?

Here’s why: Your beliefs are very powerful.

Your beliefs are so powerful, they determine your whole destiny.

And from my experience, two of the most important beliefs that determine your destiny are beliefs about who you are and who God is.

These two crucial beliefs—(1) who you think you are and (2) who you think God is—will shape your entire future. Trust me, your happiness and success in life depends on these two beliefs!

And that’s where GodWhispers come in. If you read GodWhispers daily, over time, I’m convinced it can change these two crucial beliefs.

How do I know?

Let me tell you my story…

Where My Distorted Beliefs Come From

When I was a child, I was sexually molested.

Though a victim, I blamed myself.

I found myself hating myself. I felt dirty. I felt ugly.

As the years went by, I developed a sexual addiction that messed up my life for many, many years. But worse than that, I developed a shame-based personality.

For years, I would wake up every morning feeling a deep sadness in my heart. At first, I didn’t know why I felt so much despair in me. It was only much later that I discovered what it was: I realized I was ashamed about who I was. I was ashamed that I was alive. I was ashamed that I even existed!

I was desperate for people to like me—so I would bend over backwards to get people to like me. If people didn’t like me, I panicked. I felt I was dying inside.

My sexual addiction was simply a hunger for love. And not being able to get that love, I chose a substitute—which was sexual fantasies and pornography. They were my anaesthesia to deaden the pain inside.

The funny thing was that early on, when I was 12 years old, I came to a personal relationship with God. But somehow, my addictions and my deep-seated shame continued and even worsened. I didn’t know why I wasn’t being healed.

Years later, I realized why: My image of God had to be healed first.

You see, once upon a time, I thought that God was a judgmental God. I thought that when God looked at me, all He saw were my sins and my weaknesses.

I began to heal when I began to change my beliefs about God.

How? I bombarded my mind with the correct image of God. (How I wish I had someone else sending me GodWhispers then!)

I learned that beliefs don’t change overnight. Changing one’s beliefs means creating new neural pathways in our brain.

Let me explain how this works.

The Secret To Changing Your Beliefs

Your mind is like a thick forest with well-beaten pathways.

Because people have been using these pathways often, the view is clear. No plants are growing on the path. You walk on the path effortlessly.

These pathways are your old beliefs.

But when you develop a new belief, it’s like clearing a new path through the thick forest. You need a sharp machete to cut the branches. You need to cut through the tall cogon grass. Again and again.

In other words, it requires repetition.

It requires bombarding your mind, especially your subconscious, until you finally get a new belief.

So I bombarded myself with my new image of God.

And as my belief about God changed, I noticed that my belief about myself changed too! I saw myself the way God saw me—wonderful, beautiful, loving, and worthy of love.

I began to experience powerful healing.

Soon, my addiction was healed.

And my deep-seated shame disappeared like the mist.

Each morning, I was now waking up with joy and peace in my heart. I began to develop a healthy love for myself. My relationship with God grew by leaps and bounds.

And soon, I began to attract blessings into my life. I realized the blessings were all there. I just didn’t know they were there. And I was rejecting them because I felt I didn’t deserve them.

Do you want to experience what I experienced?

Let me share with you how…

Change Your Beliefs
By Receiving GodWhispers Everyday

Everyday, I want you to receive GodWhispers.

Through GodWhispers, you’ll meet a different kind of God. A God who will tell you how much He loves you and how wonderful you are.

Through GodWhispers, you’ll bombard your mind, especially your subconscious, about this God who doesn’t focus on what’s wrong with you but what’s right with you.

And through the power of repetition, your beliefs will change.

About God. About yourself.

It will be beautiful.

Inch by inch, day by day, you’ll create new neural pathways in your mind.

Soon, you’ll attract more blessings into your life.

To Change Your Beliefs & Get Your 7 Free Blessings, Click Here

 

You’ll Also Receive 6 Big Bonus Blessings

Platinum Members of the GodWhispersClub are people who want to attract more blessings into their life.

As a Platinum Member, you’ll not only receive GodWhispers daily, you’ll also receive 6 Big Bonus Blessings that will help you grow in your spiritual and personal life. Here they are…

Big Bonus Blessing 1:

You’ll Receive My LifeTalk Each Month,
MP3 Ready for Download,
To Help You Grow Closer To God

—Absolutely Free!

Every month, I’ll help you grow closer to God and become happier. How? Each month, I’ll select one of my very best, most powerful inspirational messages, and make it available for your listening pleasure. These monthly messages will encourage you, build you up, and enrich your soul. In the privacy of your home, you can listen to these practical messages again and again. Remember that the secret to changing anything is constancy. Month after month after month, you can listen to something uplifting, positive, and encouraging messages.

Each month will be like a surprise—where I cover various areas of your life. Sometimes, I’ll address your spiritual life. Sometimes, I’ll speak about your family life. And when your beliefs and thinking will change, so will your life.

But that’s not all…

Big Bonus Blessing 2:

You’ll Receive Uplifting Worship Songs
To Help You Pray

—Absolutely Free!

God will whisper to you through beautiful and powerful Music! If you love inspiring music, you’ll love this. Every month, I’ll send you one or two of my favorite worship songs—songs that we use at our Feast, the weekly gathering that I lead. You can download the MP3 files at your convenience. I know you’ll be very blessed. These worship songs will be led by the best of the best worship leaders—Arun Gogna, Alvin Barcelona, George Gabriel, Adrian Panganiban, Jon Escoto, and Obet Cabrillas. You can download them to your computer, transfer them to your ipod, or burn them into a CD.

But that’s not all…

Big Bonus Blessing 3:

You’ll Receive my inspiring Ebook,
Take Charge Of Your Life
4 Steps To Determine Your Destiny
And Create Incredible Success

Absolutely Free!

I believe what sets apart successful people is their ability to lead themselves.

Sure, they know how to lead others.

But before they can lead others, they need to lead themselves.

You can’t lead your nation, your company, your department, your business, your prayer group, or even your kids if you can’t lead yourself.

In this book, I invite you to take charge of your life.

If you want to change your life, you have to learn how to take charge of these 4 crucial areas:

Are you ready to determine your destiny and create incredible success?

Take a look at what’s inside this Ebook.

Table Of Contents

  • Intro:You Can’t Lead Others If You Can’t Lead Yourself
  • Section 1: Take Charge Of Your Focus
    • Chapter 1: Define Your Experience
    • Chapter 2: Choose From A Billion Stimuli
    • Chapter 3: Focus On The Dream
  • Section 2: Take Charge Of Your Identity
    • Chapter 4: Create An Identity Crisis
    • Chapter 5: The Power Of Perceived Identity
    • Chapter 6: See Yourself As God Sees You
    • Chapter 7: You Become The Labels You Give Yourself
    • Chapter 8: How To Change A Label
    • Chapter 9: Believe In God’s Opinion About You
  • Section 3: Take Charge Of Your Emotions
    • Chapter 10: How Not To Deal With Negative Emotions
    • Chapter 11: Negative Beliefs About Negative Emotions
    • Chapter 12: Treat Your Negative Emotions As Your Friends
    • Chapter 13: Negative Emotions As Gifts
    • Chapter 14: How Jesus Dealt With Negative Emotions
  • Section 4: Take Charge Of Your Values
    • Chapter 15:Be Led By Your Values, Not By Your Feelings
    • Chapter 16:Values Are Your Internal Compass

 

But that’s not all…

To Change Your Beliefs & Get Your 7 Free Blessings, Click Here

 

 

Big Bonus Blessing 4:

You’ll Receive My Inspiring Ebook,
Fire!
5 Steps To Bring You Closer To God

Absolutely Free!

This special Ebook—never been published—will deepen your relationship with God.

In these pages, I teach that the start of prayer is always the scene of the Prodigal Son coming home. You enter the Presence of God with your head bowed, feeling unworthy, but lo and behold, from afar you see a bundle of clothes flapping in the wind rushing towards you. You rub your eyes and see your Father running with His full might towards you, His arms stretched out, His tears running down his cheeks, and He embraces you and pins you down.

This is the start of every prayer.

Every prayer!

Again, like the prodigal son, all we want to do is fall to the ground and cry, “Please forgive me! I’m unworthy!” But God isn’t even listening too much.

Instead, He’s busy putting his arms around us, replacing our filthy robe, changing our torn sandals, putting a ring in our fingers—and throwing a party.

There are too many Christian teachers who teach about Christ but have not a daily experience of His presence. They are not immersed in Him.

God is Fire: not something to understand, but to love.

You cannot understand God with your mind.

He is not something to understand, anyway.

He is someone to be loved.

 

Here’s what you’ll find inside this Book:

Table of contents

  • Introduction: How To Be Intimate With God
  • Chapter 1: Go To The Holy Land
  • Chapter 2: Remove Your Sandals
  • Chapter 3: When He Speaks, Things Happen
  • Chapter 4: How To Pray In His Name
  • Chapter 5: Throw Yourself To The Fire
  • Conclusion: Scatter The Fire

 

But that’s not all…

 

Big Bonus Blessing 5:

You’ll Receive My Inspiring Ebook,
My Conspiracy Theory
Warning: There’s A Conspiracy Of Grace At Work In This Universe & Heaven Is Scheming To Bless Your Life.

Absolutely Free!

I feel I’m too young to make an autobiography.

Perhaps when I’m 80 or 90. But not now.

But this Ebook will be the closest I would get to something like an autobiography. In this Ebook, I try to piece together different parts of my life in chronological order.

It’s the only way for me to show you God’s Conspiracy of Grace. (Yes, I have a Conspiracy Theory. Here it is: Every part of God’s spiritual and physical universe is conspiring, plotting, and conniving to bless your life with massive abundance. All we have to do is say YES to that reckless love.)

So be patient as I retell my life story to you—and how at different times of my life, gave my struggling, faltering, incomplete YES to that massive abundance.

Here’s what you’ll find in this very personal Ebook:

 

Table of Contents

  • Introduction: I Have A Conspiracy Theory And It’s Out Of This World
  • Chapter 1: My Childhood–Being The Most Ungifted Kid In The Whole Wide World
  • Chapter 2: My Conversion–How God Became More Real Than The President
  • Chapter 3: My First Preaching–How I Learned To Say “Sure”To God
  • Chapter 4: My Growth As Lover–How I Learned To Hug While I Could
  • Chapter 5: My Search For A Life Partner–How I Found My One True Love
  • Chapter 6: My Children–Trying To Be The Greatest Dad On The Face Of The Earth
  • Chapter 7: My Work–Expanding My Territories
  • Final Word: Open Up Yourself To Extravagant Grace

 

But that’s not all…

 

Big Bonus Blessing 6:

Now, You Can Earn Passive Income,
(25% Commission Every Month!)
Through The GodWhispersClub

This is not for everybody.

Because some of you don’t need an extra income, so skip this part.

But just in case you do need extra income, I want to put this here.

At least you know that it’s available for you.

I repeat: You don’t have to use this option.

But if you’re interested, you can actually earn passive income through theGodWhispersClub. What is passive income? It’s income that you earn while you sleep. You earn even if you’re vacationing in an island, sipping orange juice atop a hammock.

How? You can be my Affiliate.

Very simple: All you have to do is email your friends and tell them of your great experience in the GodWhispersClub. (Or just put a GodWhispersClub links in your Blog or Facebook account.) For every person that joins the GodWhispersClub because of your invitation, you get 20% of his or her monthly subscription fee every month. For as long as that one person is a member, you’ll receive that 20% month after month after month.

PLUS, if that friend invites another friend, you get 5% commission from that too. Over time, your monthly commissions will grow.

I repeat: This option is not for everybody.

You don’t have to use this facility.

But I decided to put it here for those who wish to use it and earn extra income.

 

Big Bonus Blessing 7:

You Can Also Earn From My Other Internet Work

If you become my Affiliate in the GodWhispersClub, you’ll be my Business Partner in all my Internet Businesses.

Let’s say some of your friends don’t like to join the GodWhispersClub.

That’s fine. Perhaps they want to join the TrulyRichClub. You’ll earn passive income from that too!

Or perhaps they want to buy an Ebook from an Ebook Bookstore I’ll be launching soon. You can earn 20% commissions for every sale too PLUS 5% commission for every sale referred by your first downline. The point is that you’ll be earning from all my future internet businesses.

To Change Your Beliefs & Get Your 7 Free Blessings, Click Here

 

 

Get Ready To Attract More Blessings Into Your Life

GodWhispersClub is composed of members who want to attract more of God’s blessings into their lives. They want to receive God’s abundance in their health, in their relationships, in their families, in their jobs, and in every area of their lives! How? By getting the inspiring, uplifting, and encouraging mental nourishment of GodWhispers everyday!

Here’s a review of what you’ll receive when you become a Platinum Member of theGodWhispersClub:

First, you’ll change your beliefs by receiving daily GodWhispers.

That alone is worth the entire membership of the GodWhispersClub.

But aside from that, you’ll receive 6 Big Bonus Blessings:

 

Biggest Blessing: Receive GodWhispers in your Email everyday!

 

100% Raving Fans Guarantee
Or Your Money Back

 

We want raving fans. If for any reason, you won’t be totally happy with GodWhispersClub,please tell us before your first month of membership is over—and we’ll return your 1st month membership fees. No questions asked. No conditions. And as our way of saying “Thank You!” for trying, you can keep whatever bonuses you’ve received from the Club. That’s how much we believe in the GodWhispersClub experience.

 

To receive all these 6 Big Bonus Blessings, click on the link below.

 

“Yes, I Want To Change My Beliefs And Attract Blessings.
Sign Me Up As Platinum Member Of The GodWhispersClub!”

 

God Whispers Club

God Whispers Club

 

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Are You Ready to Invest?

Truly Rich Club

Truly Rich Club

After that it is possibly a great suggestion to spend on your very own, if you have youngsters as well as a task that does not provide a pension strategy or matching retired life fund. Also if you do not have business stipulations for contributions you have choices that will certainly offer you a tax obligation break for spending several of your cash and also assisting to prepare for your very own retired life.

If you wish to offer your child the wedding event of her desires after that you definitely should start readying, conserving, preparing, and also purchasing regarding One Decade just before she’s birthed. Wedding events are costly as well as if you are visiting go the desire wedding celebration path you have to be saving money some lots of money in order to offer her that fairy tale.

We all understand that it is not likely that lots of folks which are presently adding to social safety will certainly ever before view the cash we have actually purchased right into the program. This indicates we require to locate options and also finish our dependence on the federal government for a comfy retired life that does not show up to be in the wood works.

Right here are a couple of scenarios where if you do not believe you prepare to purchasing you could should review your viewpoints and also make a decision that all set or otherwise, you should spend.

, if you have kids that will certainly some day require oral job, clinical solutions, and/or university education and learning it is concerning time that you started those financial savings strategies.. Once more there are tax return deferred as well as tax obligation cost alternatives that are offered as well as having this cash spent in advance of time could conserve you so significantly cash later on that it is worth making a couple of sacrifices along the method to protect the future of your youngsters.

Because of this we are viewing a growing number of individuals in the twenty and also thirty something generation taking issues right into their very own hands and also purchasing not simply for their retired lives and also the days when we could not function however likewise for those days when points occur and also we should take care of damaged properties, get brand-new automobiles, or pay significant insurance coverage deductibles for healthcare. There are lots of factors we prefer to purchasing and also few that would certainly ever before be taken into consideration the incorrect factor. The inquiry stays, due to the fact that there are numerous out there which are not yet spending, with a lot of needs to purchasing, are you prepared to purchasing?

If you desire your retired life to be a good comfy presence and also not to be invested in your future daughter-in-law’s mop storage room you require to be all set today to start purchasing in your future retired life. Time is brief, life span are longer compared to ever before, as well as the expenses of living are remaining to increase at worrying prices. , if you’re not prepared to spend you require to figure out why as well as take care of the issue so that you could be prepared to purchasing as well as quickly.

Buying your monetary future is the best present you could offer on your own without a doubt. Probably it’s time to look for the solutions of a certified monetary expert if you typically aren’t certain where to start or exactly how. His guidance could confirm indispensable and also could provide you a far more comfy future compared to you would certainly have ever before visualized delegated your very own tools.

For this factor we are viewing even more as well as even more individuals in the twenty as well as thirty something generation taking concerns right into their very own hands and also purchasing not simply for their retired lives as well as the days when we could no much longer function however likewise for those days when points take place and also we require to repair busted residences, acquire brand-new automobiles, or pay large insurance coverage deductibles for clinical service. The inquiry continues to be, due to the fact that there are so several out there that are not yet purchasing, with so lots of factors to spend, are you prepared to purchasing?

If you desire your retired life to be a wonderful comfy presence and also not to be invested in your future daughter-in-law’s mop storage room you require to be prepared today to start purchasing in your future retired life. If you’re not all set to spend you require to figure out why as well as take care of the trouble so that you could be prepared to spend and also quickly.

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Clever Ideas to Make Your Paycheck Last Longer

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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<<

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