5 Simple Things To Do To Feed Your Mind Every Day of This Year

Starting the year right means feeding your mind with positive memories and pushing out the bad ones.

It does not need to be complicated. All you need to do is to apply the “negative out, positive in” approach to your daily mind diet.

That’s right. I’m been reading Tim Sanders’ “Today We Are Rich”.

In this book, Tim believes that possessing a confident outlook makes one perform at the highest level. It says that if you believe in yourself, the people you rely on, and God, you will be able to do what you once thought was impossible.

TimSanders

Here are five things that we suggest that you do from morning until evening from this day and beyond.

1. Exercise your gratitude muscle. You can not change feelings but you can change your daily habits to strengthen your sense of gratitude. Every morning when you wake up, get out of your bed slowly and give your waking mind time to adjust. Be thankful for every great morning and for all the simple yet great things you have right now.

2. Read good books or publications. Do not immediately go online or check your email or Facebook notifications on the first hour you are awake. Read books or high-quality magazines instead with inspirational of instructional materials. Of course, study them and think purposefully about the meaning of what you are reading.

3. Review what is going right and the positive things to accomplish before the end of the day. Have a 5 to 10 minute positive-thinking time after your lunch hour. If you are near a church or a chapel, visit and meditate for 10 minutes. That means just letting your mind clear of stress and negative thoughts.

4. Eliminate network television when you get home from business or work. Do not automatically switch on your TV. Doing this will just undo your day’s mind food management efforts. Try to listen to good and quiet instrumental music instead before taking your dinner. Play with your child. Have a good conversation with your wife about the good things you experienced during the day. Nothing beats quality time with your family and loved ones.

5. Pray and reflect about giving before going to bed. Think about giving something to someone the next day without expecting in return. Think about giving something that will empower someone and this will in turn give more confidence in yourself. If you give others enough power, you will influence them to go beyond material possession. This will allow to transform themselves from just being recipients to being givers as well.

When you give and expect a return on your investment, you are an investor. When you give and expect to be famous, then you are a self-promoter. But when you give only for the love of giving, you are a generous person. Be an instrument of generosity.

A Very Happy and Abundant New Year!

 

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P.S. 1. Are you an OFW who’s been looking for a investment placement where your money could grow higher than your time deposit accounts? Are you outside of Metro Manila and would like to start investing in mutual funds but have no personal advisors to help you out? Click here so I can help you open a mutual fund account NOW! .

P.S. 2. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It’s a fun, learning family with the purpose of “helping good people become rich”. I’m inviting you to join the TrulyRichClub too and email me at burngutierrezblog@gmail.com if you have any questions. Click here to join!

P.S. 3. My co-author/illustrator Des Feliciano and I have just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. You may grab your copy before Christmas at your favorite National Bookstore and Powerbooks outlets. Or you can grab your copy yourself at ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 4. Yes, our Cyberpreneur Philippines book is now out in bookstores! Check out the chapters from my fellow authors Ray Calbay, Fitz Villafuerte, Ginger Arboleda, Kristel Silang, Marv de Leon, Paolo Lising, Anne Quintos, and other great online entrepreneurs and experts! Score your copy here now!

P.S. 5. Send healthcare and grocery products online to your loved ones in the Philippines via BeamandGo!

How Much Should You Spend on Gifts This Christmas?

For many Filipinos, gift-giving can be as simple as giving the smallest and cheapest item you can find in the market or department store. During Christmas season, “exchange-gifts” or monitohan are fun activities during Christmas parties.

But since most Filipinos are used to the adage “It’s the thought that counts”, the gift itself is the more important than the value of the gift being given.

But gift-giving is indeed something of a minefield for others. A cheap or impersonal gift can make the recipient feel less valued. This can also create an awkward and uncomfortable situation for both gift-giver and receiver.

This little model from Esquire magazine asks two questions to consider on gift-giving:

  • How long have you known the person to whom you are giving the gift?
  • How much money should you spend on the gift?

This diagram can be a good (but not an absolute) reference on which and how to give someone a gift.

2015-12-14 22.54.42

Two Rules of Thumb

Taken from The Decision Book, we must remember these two rules of thumb in gift-giving

1. Being generous beats being miserly (don’t be misled by the sentence ‘That really wasn’t necessary”).

2. Buy something that you would be pleased to receive as a gift yourself.

But then again, if you have a limited budget don’t dare go the point of borrowing money just to please the person you are giving the gift to.

You can always follow these rules of thumb but the truth is, it’s still the thought that truly counts.

Follow my posts this Season by subscribing to Rock To Riches.

Like-us-on-Facebook

follow-us-on-twitter

Rock your way to abundance!

#moneyliferocknroll

P.S. 1. Are you an OFW who’s been looking for a investment placement where your money could grow higher than your time deposit accounts? Are you outside of Metro Manila and would like to start investing in mutual funds but have no personal advisors to help you out? Click here so I can help you open a mutual fund account NOW! .

P.S. 2. Due to popular demand, my good friend and business partner Jon Orana will be releasing again his online program called the Internet Business Master Class. This exciting online learning program is about creating and selling e-books in the internet. Here’s a FREE 23-page step-by-step guide on how to make money selling e-books including which topics to write. Enrol in Jon’s IBMC Class NOW until December 18 only! Click here to enrol!

P.S. 3. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It’s a fun, learning family with the purpose of “helping good people become rich”. I’m inviting you to join the TrulyRichClub too and email me at burngutierrezblog@gmail.com if you have any questions. Click here to join!

P.S. 4. My co-author/illustrator Des Feliciano and I have just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. You may grab your copy before Christmas at your favorite National Bookstore and Powerbooks outlets. Or you can grab your copy yourself at The Pantry at 07 in Makati City and ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 5. Yes, our Cyberpreneur Philippines book is now out in bookstores! Check out the chapters from my fellow authors Ray Calbay, Fitz Villafuerte, Ginger Arboleda, Kristel Silang, Marv de Leon, Paolo Lising, Anne Quintos, and other great online entrepreneurs and experts! Score your copy here now!

P.S. 6. Send healthcare and grocery products online to your loved ones in the Philippines via BeamandGo!

#5By20: How The Program is Empowering Women Sari-Sari Store Entrepreneurs

From fruit farmers to artisans to vendors, women around the world are already pillars of Coca-Cola’s business.

That’s why the people at the Coca-Cola Company are building on that foundation by implementing programs to help women entrepreneurs.

Through #5by20, Coca-Cola is addressing the most common barriers to success women face. They do this by giving them access to business skills training courses, financial services and connections with peers or mentors.

And their goal is the empowerment of 5 million women micro-entrepreneurs by the year 2020.

Listen to the inspiring stories of Ate Nora and Ate Nida by clicking the Coca-Cola 5by20 red banner below.

philippine map

Support this advocacy and awesome project by Coca-Cola! Click here.

Kung kaya ni Ate Nida at Ate Nora, kaya nyo rin!

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Did you know that the Coca-Cola Company turns 123 this year, having been launched in 1892?

To mark the occasion Westways Vendings has created this infographic which explores 123 fascinating facts about the world’s favourite beverage!

The-123-of-Coca-Cola-Infographic

*This is a sponsored post.

 

 

5 Money To-Do’s For Newly-Married Couples

Believe it or not, there are still a lot of couples who got married in June this year. Many of them are still on their honeymoon bliss while the rest are starting to realize and are beginning to ask themselves what in the world did they enter into. It’s just not so like a single’s kinda life. 😀

So for those who just got hitched whether extravagantly or frugally, I’m pretty sure most of you are very excited for your new baby to arrive. You just could not explain the immense joy, hope, and love that new gift from heaven would bring to your new life.

But knowing the financial impact of having a baby could be really burdensome, planning for this early in your marriage should also be on top of your immediate concerns. Being a new parent is not about chillin’ and relaxin’ like it was before you tied the knot. You have to consider the high costs of having an adorable baby and raising a beautiful child.

These 5 money strategies should help you get started.

1) Re-examine your budget. A couple of months ago, your paycheck went to your daily allowances, expenses at home with your siblings and parents, and probably weekend dates with your (ex) fiancé/fiancée. Well, time’s up. You have to retool your budgeting sheet and include your wife and future child in your list.

Review your expenses and see that you weed out those unnecessary ones for the meantime (or permanently) such as gimiks, expensive dinners, and vices like cigarette-smoking and too much drinking.

Use that freed up cash as savings for upcoming expenses for your future baby.

And don’t forget to pay all your debts you both incurred individually and jointly prior to the wedding. Make use of your cash wedding gifts to address the unpaid bills and ‘forgotten’ friends.

 

2) Invest for your future child’s college education. You must be wondering how the prices of baby diapers and formula milk and even milk bottles have gone up so crazy in the last few years. What more if we talk about the college education of your future baby?

Save at least a portion of your monthly salary in an educational plan or invest it directly in a mutual fund as early as now.

While many will think that it is too early to consider that for your budgeting, always remember that the earlier you prepare the earlier you will achieve your goals. And you can have even more.

 

3) Buy a health and life insurance. Starting a family means you will not be thinking about yourself only any longer. You have your partner in life.

And soon you will be having another young man or woman who will ask you how much you love them. One way of showing this love to your future children and your better half is by getting health and life insurance.

The premiums may be a “expensive” for your current budget but an in force or actively in good standing insurance policy can replace your income and the needs of your loved ones will still be taken cared of should you get sick or you pass away. But pray that it won’t happen too soon.

You just got married, ano ba?!

Stranger's love

4) Have a weekly money talk with your spouse. Discuss about money issues and concerns regularly with your spouse. Making this as a habit with your better half is a sure-fire way to keep everything open and transparent between the two of you.

If you have money problems, don’t keep them to yourself. Talk it out with your spouse and seek her “advise” and practical suggestions. Asking your spouse for some sound advise and support will even strengthen your marriage. This should also avoid disagreements and misunderstandings in the future.

You should also be talking about your individual priorities and financial goals. If your goals complement with each other (like buying a house, preparing for retirement, etc.), agree with each other on how to achieve those goals together.

If financial goals don’t match, check which ones you can just let go and work out the rest with your spouse.

 

5) Increase your income but increase your time for each other as well. Preparing and accomplishing the first 4 strategies mentioned may not be a walk in the park for many newly-married couples. Especially if you have parents and siblings who rely on you financially prior to your marriage.

While dealing with this kind of situation may be very difficult for newly-married couples, the best thing to do is to find ways to increase the cash flow. Some of the best suggestions to increase your income can be found here.

But regardless of your financial situation, for richer or poorer, you as husband and wife should not only think about increasing your income. Finding creative ways to be together joyfully on a daily basis is the ultimate key to a successful marriage.

Sabi nga ng Eraserheads sa kanilang awiting Toyang,

Mahal ko si Toyang
Pagkat siya’y simple lamang
Kahit namomroblema
Basta’t kami ay magkasama.
Madalas man kaming walang pera
Makita lang ang kislap ng kanyang mga mata
Ako ay busog na
At nakatambay kami sa Tandang Sora.

But don’t be satisfied by being a Toyang or by being Toyang’s husband forever. You need to look back, review, act on these 5 money strategies mentioned in this article for you to have a happier new life as couples and future parents.

May #forever kung susundin mo ang mga ito. 😉

 

Receive more money tips for married couples by subscribing to Rock To Riches for FREE.

Like-us-on-Facebook

follow-us-on-twitter

Rock your way to abundance!

#moneyliferocknroll

P.S. 1. Are you an OFW who’s been looking for a investment placement where your money could grow higher than your time deposit accounts? Are you outside of Metro Manila and would like to start investing in mutual funds but have no personal advisors to help you out? Click here so I can help you open a mutual fund account NOW! .

P.S. 2. Bro. Bo Sanchez has appointed me as a coach for our young and new investors at the TrulyRichClub social site. It’s a fun, learning family with the purpose of “helping good people become rich”. I’m inviting you to join the TrulyRichClub too and email me at burngutierrezblog@gmail.com if you have any questions. Click here to join!

P.S. 3. My co-author/illustrator Des Feliciano and I have just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. Order your copy now from our website http://pepotanddora.com and have it delivered right at your doorstep. Or you can grab your copy yourself at The Pantry at 07 in Makati City and ilovemilktea in Las Pinas City. Now available also in Australia, Saudi Arabia, and the USA! Email des_feliciano@yahoo.com for more details.
PepotCover1

P.S. 4. If you are based abroad or just outside of Metro Manila and has been itching to learn more on how to jumpstart your business dreams, join me and my friend, serial entrepreneur Ginger Arboleda, as we take you through a series 2-hour webinars (for 11 Saturdays) that will help you focus on the technical skills and specific things that you have always wanted to know about in order to grow your business. We have come up with 10 sessions with 11 expert lecturers (with 1 FREE session if you enroll in the full program) that will make you a stronger and better entrepreneur. Register here to join the Enter Entrepreneurship Webinar Program now!

P.S. 5. Learn How To Make Money From Foreclosed Properties! We are on our 3rd run of the Usapang Foreclosed Property Investing with Jay Castillo of ForeclosurePhilippines.com! Happening on September 26, 2015 at the SMX Aura, Bonifacio Global City. Click here to register and avail the early bird promo!

P.S. 6. Buy insurance products online! Visit the very first online insurance store in the Philippines: the AXA iON! Purchase your alternative savings plan, educational plan for your children, medical emergency plan, and your life insurance by clicking HERE.

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Photo credit: Pablo Fernandez

Angat Pilipinas’ FLY to Schools Missions Launched

Our non-profit organization Angat Pilipinas Coalition for Financial Literacy will be kicking off its FLY To Schools Missions with an educational visit to Malinta National High School (Valenzuela City) on June 26, 2015.

The FLY (Financial Literacy for the Youth) to Schools Missions program aims to encourage students in public schools to set life and financial goals, and provide them with the basics of money management.

We believe that through this program they can increase their financial literacy and aspire more to achieve success in life.

If you want your community school to be visited by the AngatPH FLY Team, please communicate with us by sending an email to info@angatph.com. You may also visit our website www.angatph.com and fill out the contact form. Continue reading Angat Pilipinas’ FLY to Schools Missions Launched

Angat Kabataan! The APC’s Youth Summer Camp 2015

When I read in an American news website that the the US kids do not get enough financial education in school, my heart broke. Not for the American kids but for the Filipino youth.

If the Americans find it very unfortunate that the majority of their students do not receive even a basic financial foundation, what more about our Filipino youngsters?

In the US, some 15 to 20 states require high school students to take a personal finance or economics course as a requirement for graduation. In the Philippines, only a handful of private schools offer mandatory subjects tackling entrepreneurship, cooperative management, banking basics, etc. Continue reading Angat Kabataan! The APC’s Youth Summer Camp 2015

Your Children Are Not Investments

The last four days have been an enormous spiritual experience for me and my family. We may not have been able to see Pope Francis but the video clips, the articles, the news, and the collective prayers of different churches and spiritual communities online have helped us experience the “Lolo Kiko fever”.

The whole Papal visit was all about the children and the youth. From the Villamor Air Base, young students greeted the Pope with songs and dance. When the Pope was on his ‘jeepney’ PopeMobile while plying the streets of Manila and on the way to the University of Santo Tomas, he was captured by energy of the teens and the children. He hugged and kissed babies, toddlers, and the rest of the youngsters. Most of all, the adults showed and expressed the “children within” them.

Now that the Pope has left the country, what lessons have we learned and realized that our children are God’s blessings and not our properties? Continue reading Your Children Are Not Investments

How To Become The Fourth Magi

Today is the 12th and the last day of Christmas for most Christians, especially from the Roman Catholic, Orthodox, and other mega-churches like the Lutheran, Methodist, Anglican churches, among others. It’s a Christmas feast called the Epiphany which celebrates the revelation of God the Son as a human being in Jesus Christ.

We are all familiar about these three wise men in the traditional names of Melchor, Gaspar, and Balthazar who brought gifts to baby Jesus some 2,000 years ago. They may not bear those names in reality but this has captured the hearts of many Christians, children and adults alike. These are the “Three Kings” from the East who brought gold, myrrh, and frankincense. It is commonly accepted that they are the ones and their “giving” that are being celebrated today.

But it’s very interesting to note that a legendary writer Henry van Dyke wrote a story about “The Fourth Wise Man”. The story revolves around Artaban, a magi is the fourth wise man who desired to follow the star to the birthplace of the coming King, and was supposed to join the three other wise men, but misses the caravan because of too many “obstructions” along the way. Continue reading How To Become The Fourth Magi

Picket Lines: Dialogues Between Eves, Among Eves and For Eves

Our poet friend and financial literacy advocacy supporter Kooky Tuason is launching “Picket Lines”, a coffee table book about female power and beauty expressed through poetry and visual expression. It features 100 photos of women with poems written on their bodies. Picket Lines embeds poetry on select women’s skin and images to make powerful statements about the lives of women.

Continue reading Picket Lines: Dialogues Between Eves, Among Eves and For Eves