Congratulations, You Wasted A Year of Profits (Again!)

Due to consistent, insistent, and pressing public demand, I’m writing a sequel to my Congratulations piece I wrote a couple of months ago.

I am thinking of making this as a series of “Congratulations, You Waster!” rants of how some of my friends and relatives are warding off great earning opportunities and are angry at money they only wanted to spend on things that will make them feel they are better than the others. Even if they keep on complaining that their salaries are not enough.

For those who STILL don’t believe in the Power of Compounded Interest, let’s check how much you wasted when you purchased the following things from April 2012 to March 2013 July 2015.

(Note: If you got cash to buy whatever you want and will never lose money whatever you do and however which way you spend, then don’t get affected with this article.)

What You Spent On and What You Did Not Buy

Beats by Dr. Dre - logo

1) The Monster Beats by Dr. Dre you bought in April 2012 worth at least P15,000 would have become P19,966 (33%) if you bought BPI shares in April 2012 and sold it today (July 23, 2015).

Kobe Bryant 2014.jpg
Kobe Bryant 2014” by Keith AllisonFlickr: Kobe Bryant. Licensed under CC BY-SA 2.0 via Wikimedia Commons.

2) The Nike Zoom Kobe VII you purchased in April 2012 worth P5,880 would have grown to P7,526.40 (28%) if you bought First Philippine Holdings (FPH) stocks in the same month and sold it today.


3) To a relative who’s been betting for the 6/45 Lotto draw (never won) and spends P100 per week, that’s P4,800 for the whole year. If you invested that money instead and bought Metrobank (MBT) shares in April 2012 and sold it today, you would have a total of P6,433.

J.CO Donuts

4) P350 worth of donuts spent every weekend from April 2012 up to end of March 2013 at a Southeast Asian donut brand would sum up to P16,800 for the whole year! If that amount was invested instead on Ayala Land (ALI) stocks in April 2012 and sold it today, it would have become at least P30,506 (82% gain). Enough to pay for a child’s tuition fees for next school year.

Mall of Asia Arena Basketball 2012

5) Addiction to premium box/VIP seats on live basketball games twice a month at P1,600 translates to P19,200 for the whole year. Can’t it be cut down to at least once a month and just watch it live on TV? If that P19,200 was used to buy Megaworld (MEG) shares it would have grown to at least P43,514. A whopping 126.64% would-have-been profit! Enough to feed a small orphanage for at least a month.

Just think about it. Tell me if it’s better to spend unwisely than to make your money grow for your own good and the good of others.

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Rock your way to abundance!


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 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 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 for more details.

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! Happening on September 26, 2015 at the SMX Aura, Bonifacio Global City. Click here to register and avail the early bird promo!

P.S. 1.The OFW UsapangPiso Forum in partnership with Colayco Foundation for Education will be conducting its twin webinar offer on April 5 and 19, 2013. The Managing Director of Colayco Foundation, Ms. Guita Gopalan will discuss about the “Basics of Growing Money” on our FREE webinar on April 5, 2013, 6PM (Philippine time). Mr. Armand Bengco will talk about proper money management – spending, saving, planning & investing entitled Pisobilities: Wealth Within Your Reach on April 19, 2013 also at 6PM (Philippine time). Register here now! 

P.S. 2. For those who will not make it to the Money By The Book event of OFW UsapangPiso group, you may book to attend the Personal Finance for Every Juan seminar sponsored by The Global Filipino Investors Singapore. You may visit their Facebook event page for more details.

P.S. 4. If you are in Dubai, grab a copy of FREE Kabayan Weekly publication, the UAE’s first Filipino weekly publication and get to read my article there about the financial coaching sessions we held earlier this month with Randell Tiongson.

Photo credits:

Monster Beats by Dr. Dre, Wikimedia Commons
Kobe Bryant, Wikimedia Commons
PCSO Lotto, Michael Francis McCarthy
JCo Dozen Donuts, J.Co Wikimedia Commons
MOA Arena VIP, Wikimedia Commons