OMG Where Did Your Sweldo Go - Lianne Martha M Laroya

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

9 Secret Sweldo Tips

To Be A 20-Something Millionaire

The full version of this book will be available on November 2014. We will print a limited number of copies only. To pre-order the full version, please go here: Pre-order “OMG! Where Did Your Sweldo Go?” book.

Copyright © 2012-2014 - Lianne Martha M. Laroya

Protect your income & retire with MILLIO NS. Ask me how at The Wise Living now.

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

DID YOU GET THIS FROM A FRIEND? My friend, this e-book is written for The Wise Living readers. If you're not yet a reader, please come and join me!

I post regular articles to help you work on your money, control your cash, inspire other people and ultimately become a 20-something millionaire

emotionally, financially and spiritually.

As a financial advisor, I give FREE financial consultations as well. You can even let me personally assist you in opening your own insurance, investment or insurance+savings+investment account.

Just go on and drop me a line at [email protected] for any financial concerns, money questions, investment queries, advertising proposals and relevant messages.

Also, please purchase the full version of this book this coming November 2014. It'll be the perfect read during your vacation!

PAGE|3

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Preface: Money Is A Terrific Servant But A Terrible Master “Bayaan mo na.” “Let it be.”

This is what my grandfather, Tatang, used to tell me all the time. My laid-back, carefree, gentle grandfather was a loving soldier. He loved my grandmother like she was the only woman to ever exist. He loved cooking and he loved his children. Most of all, he loved playing the lottery just for kicks – he even had enough money to share with others and give back to the community.

Needless to say, I loved Tatang.

I loved my grandfather not because he cooked delicious ginataan.

I loved my grandfather not because he would often mistake the titles of the soap operas but memorize the names of famous basketball players.

I loved my grandfather not because he would ask me to place his lottery bets for him and I get to keep the change.

There really is no specific reason. (Well, maybe the spare change helped a bit...) I love my grandfather. That’s all there is!

“Bayaan mo na. Okay lang yan.”

PAGE|4

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Whenever I worry about trivial matters, he would laugh and tell me stories of how he used to court Inang. I'd feel better afterward.

Whenever I told him about the storyline inconsistencies in the soap operas we used to watch, he would laugh and tell me to let it be. I’d feel better after.

And whenever I shared to him my embarrassing stories in college, he would make a joke and tell me to let it be. I’d feel relaxed after.

However, everything changed in a snap.

When he got his second heart attack and we rushed him to the hospital… When he angrily demanded to be brought home instead…

When he was struggling to consume every last piece of oxygen available because he couldn’t breathe properly anymore…

When I felt him staring at me because I was the one who insisted that we rush him to the hospital... When his vital statistics became uglier and uglier…

When his body eventually gave up on him, when the monitor dropped to zero and when I felt my soul leave my body…

“Di ko kayang pabayaan. Hindi ito okay lang.”

PAGE|5

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

I couldn’t just let it be. It was not okay at all!

Deep down, I was really blaming myself for everything that happened. I’m a registered nurse, for Pete’s sake! I was supposed to be calm, prepared and informed; at that time, I thought to myself that I was supposed to know

everything! I felt like a complete trash: I didn’t have enough knowledge to control the situation. I also didn’t have enough experience to acknowledge the

severity of his condition.

Do you know what the worst part was? Do you know what was it that I regretted the most? I didn’t have enough money to send him to the nearest hospital!

I was already working. I already had a source of income. May sweldo na ako! Why didn't we rush him to the nearest hospital instead? I thought that we could have prevented it. I thought it was all my fault.

That’s why for me, Tatang’s death was not okay and it was not fine – I couldn’t just let it be.

Here I am, trying to open my heart for you, my new friend, to see. Sharing my feelings has never been my forte. There is just something very risky and fearful about exposing my vulnerable side to people, may it be my family or my close friends. The thought of vulnerability used to frighten me to the core.

PAGE|6

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

But then I learned to face my fears because the word should be spread! You should be informed. Your sweldo should be used to save you and your loved ones in the future. You should know what to do with your financial life.

You shouldn't have to experience the pain, the anxiety, the frustration and the anger I felt when I lost a loved one.

Losing a loved one, just because of a lack of money, is one of the worst feelings you can ever face.

Money is a terrible master: If money controls you, you're essentially powerless. As long as you work for money, you can’t simply ask for money to appear whenever you desperately need it. I’ve learned this the hard way.

On the other hand, money is a terrific servant: As long as you let money work for you, you can control it to appear whenever you want it to.

Hi, I’m Lianne, the founder of TheWiseLiving.com and one of the authors of this book. Who's my awesome co-author, you ask? YOU, of course! I’m here to help you learn about basic personal finance so you can manage your money wisely. In the end, though, only you can decide what you want to do with your money.

You can either treat it as a terrible master or a terrific servant – it's all up to you.

Your inspiring, rich and empowering journey to know where your sweldo goes is about to unfold. Let's start!

PAGE|7

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Dedication To the working student who is trying to juggle his job and his studies at the same time…You are truly admirable.

To the college student who is extremely afraid for his future because he thinks that he will be poor for the rest of his life since his family is poor… You

can control your life.

To the undergraduate who has low self-esteem because he wasn’t able to finish his formal education… You don't necessarily need a college degree to be a millionaire.

To the recently graduated individual who has no idea how to start his life because his college never taught him financial management… You're

learning right now, aren't you?

To the agent who is earning a huge sum of money every month but who also has a huge amount due on her credit card monthly… You can stop bad debt.

To the young teacher who feels upset every time she’s obliged to give money to her long-lost relatives for allowance… You are empowered and encouraged to pay yourself first.

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

To the service crew who barely has enough income for his “expenses”… If

you want it bad enough, you can find a way.

To the young adult who has so many dreams (traveling the world, starting a restaurant, living in a foreign country, having a condo unit personally…) but so

little money to accomplish those dreams… Your earning capacity is only limited by your thoughts.

To you, who bought this book because you don't know where the heck your sweldo went, you can start to control where it goes now. Better late than never!

Hey, this starter guide is your living reminder that you will be successful in managing your finances and in managing your life.

Read it.

Laugh at it.

Cry during reading it.

Above all? Live it.

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Table of Contents 00 – PREFACE: Money Is A Terrific Servant But A Terrible Master

00 – INTRODUCTION: Push Mo 'Yan!

00 – THE MILLIONAIRE'S MOUNTAIN

Secret Sweldo Tip 1: Figure Out Your Own Millionaire Meaning 00 – So You Want To Be A Millionaire? 00 – Money Isn't Everything 00 – Millionaire Ang Peg 00 – Make Your Own Millionaire Meaning Secret Sweldo Tip 2: Play The Wheel of Control 00 – The Wheel of Control 00 – Lumaki Ka Na Ha! 00 – 'Wag Ka Umasa Sa Iba

Secret Sweldo Tip 3: Start Now, Succeed Earlier 00 – Keep Calm And Change 00 – Don't Wait Or You Might Be Late 00 – EMBRACE These 7 Start-Up Challenges

Secret Sweldo Tip 4: Plan Your #BOTD 00 – 'Wag Kang Assuming! 00 – Hi Budget. 00 – Bye Budget. Secret Sweldo Tip 5: Break Up With Your Bad Your Bad Debt! 00 – Good Debt

P A G E | 10

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

00 – Deal With Credit Card Drama 00 – Your Credit Card Debt Is Abusing You Secret Sweldo Tip 6: Save Your Money – One Day It Will Save You 00 – Pay The VIP First 00 – Follow The Fantastic Formula 00 – Save For Your SELFIE 00 – Your iPon > Your iPhone 00 – Ang Cheap Mo Naman 00 – No to Necessities, Yes to Priorities Secret Sweldo Tip 7: Use Protection 00 – A Walk In The Park 00 – Your Emergency Fund Is Your Sunscreen Lotion 00 – Your Health Insurance Is Your Rain Coat 00 – Your Life Insurance Is Your Umbrella 00 – How Big Should Your Umbrella Be? 00 – Three Types of Umbrellas Secret Sweldo Tip 8: Invest To Progress 00 – Go Away, Inflation – No One Likes You 00 – Anong Investment Type Ang Bagay Sa Iyo? 00 – Compound Interest Is Your BFF 00 – A Look Into The Future 00 – The Early Bird Gets The Fatter Worm 00 – I-N-V-E-S-T

Secret Sweldo Tip 9: Give. Get. Grow. 00 – Bigay Bigay Din 'Pag May Time 00 – Money Without Meaning Is Useless 00 – The Only Low Risk & High Return Investment There Is 00 – Move Forward

P A G E | 11

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Introduction: Push Mo 'Yan! This book is written specifically for you.

Who better to talk to about your finances than with a colleague, yes? This book won’t be a “I’m-better-than-you-sermon” – this is a “I-know-dude-so-I’mtrying-to-help-you-narrative”. I know what you’re going through because

I’ve been there myself!

Have you felt the gnawing anxiety that attacks you every single day after graduating college?

Does the thought of zero savings make you nervous?

Do you stay up late and worry about your financial future every single night because it seems like all your relatives are doing so good with their money but you think that your income is not even enough for your basic needs?

Is your bank account like your ex-lover – good to touch when you're drunk but guilt-inducing during the morning after?

I understand exactly what you’re going through. I know what you mean. I've been there.

Many adages say that the future of the country depends on the hands of the youth – and while these adages mean well, I can’t help but feel defensive on behalf of our generation’s sake.

P A G E | 12

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

How can you lead the nation if your debts are the one leading you?

How can you be the master of your own soul if money makes you who you are right now?

How can you handle the country’s future if you don’t even know where your

sweldo goes?

Aminin mo... You are clueless when it comes to these things – I was, too. Even now, I couldn't remember what I did with my very first sweldo!

After graduation, no one told you that you need to save a percentage of your income. No one said that you should start investing for your retirement. Wow, no one even told you to avoid credit cards if you're not disciplined enough.

This era of cluelessness has got to stop.

It's time to take control of your finances now that you are still young.

You have the initiative. You have the power. You can do this. Push mo 'yan!

P A G E | 13

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

So You Want To Be A Millionaire? You wake up and eat your breakfast of organic fruits, newly prepared pancakes and freshly squeezed orange juice.

You take your time because you’re really not in a hurry to rush for work. You

exercise for a while and bond with your family.

After these, you prepare for work – although it’s not really work for you since it seems more like playing as you enjoy what you do.

You’re not worried about money because your passive income is already enough so that you and your loved ones can live comfortably.

You even have enough money to help the needy and to also give back to God! You’re abundant in blessings. You volunteer in organizations you care

about because you believe that giving back is one of the best feelings in the world.

As you read a book, you sip on your favorite brew of coffee as produced by your coffee machine just because you can. You end the day with a prayer to God. Life is good.

You never have to worry about money again.

You want this? You want a Millionaire's life? You can definitely get it.

Keep reading.

P A G E | 14

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Make Your Own Millionaire Meaning In my case, my wealth is my people. Being a millionaire is providing for the priorities of my loved ones and giving back to the community. It is my mission to let you experience God’s love through my help. I sincerely desire this so

that I can enlighten, encourage and empower you into changing your life for the best.

Cheesy! I’m blushing. Giggle all you want. Email me joking messages and

sarcastic replies. You may even be laughing at me for being so OA (overly attractive). I understand what you’re thinking – “Weh, are you serious?!”

I am!

Every time I read my own Millionaire Meaning, I get goosebumps because I truly believe in it.

Your own Millionaire Meaning should have the same effect.

After reading it, you should feel awake, alive and kicking!

It should be able to spark passion and trigger intense feelings within you.

It should make you want to stay awake at night and work on it. It's something that gets you jumping out of bed in the morning. It’s an P A G E | 15

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

intense, exciting and thrilling feeling! Make it emotionally appealing to you.

Make it a powerful vision.

Above all, make it count.

P A G E | 16

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Lumaki Ka Na Ha! Do you remember the times when you used to cry and then your mama would immediately give you your milk?

How about those times when you would just need to wail loudly and disturb your whole barangay so that your papa would be forced to buy you dirty ice cream?

Remember those embarrassing moments when your grandmother used to bathe you in public and take pictures of your naked self?

That's right!

These times are parts of your childhood. When you were tiny and cute kids, you used to depend on everyone around you to take care of you, to provide for your needs and to keep you alive.

After a few years...

“Lumaki ka na, ha!” - This is what your long-lost relatives tell you upon seeing you again during family reunions. (The second common statement is “Taba mo na, ha!”)

You can't ask your mother to feed you now. You can't “force” your father to

buy you dirty ice cream now. And you can't even ask your grandparents to bathe you in public now.

P A G E | 17

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

They might look at you as if you were crazy!

Can you imagine what would happen if you're already grown up and yet you're still dependent on others?

P A G E | 18

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Keep Calm and Change You already have your own Millionaire Meaning. Make it a point to repeat this to yourself every single day. You can include this in your morning routine. That way, your Millionaire Meaning will be something that sets the direction for the rest of your day.

I’m not going to be held responsible for any weird stares you might receive while reciting it loudly, though… Now, you might be telling yourself – I’ve been repeating this every single day! I’m full of positive energy! I can do everything! I’m going to accomplish this! I

am powerful!

But then, nothing happens.

Why is that?

It's because there are actually stages of change that you need to pass through first.

Daanan mo lang sila, 'wag mong tambayan, okay? 5 COMMON STAGES OF CHANGE 1. Pre-contemplation: “I don’t have a problem with money. I’m doing just

fine! Mind your own business.” P A G E | 19

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Here, you’re not yet aware of your financial problems. You might be receiving

alarming signs such as having zero savings in your bank account, failing to pay your credit card balance in full or always borrowing money from your loved ones, but you ignore the problem since you think you're still doing okay.

It’s like being in an unpleasant relationship with food: everyone tells you to

lose weight. Your mom, your dad, your sibling, your best friend, your boss’s daughter, your neighbor’s uncle and even the guy who sells “taho” and the girl who sells “isaw” all tell you to start thinking about losing weight. You ignore them anyway because you think you're not that overweight yet. 2. Contemplation: “Okay, I think I do have a money problem. I don’t

know how to solve it, though.” You’re typically unsure during this stage – you already know that you have a problem but you don’t really know what to do with it. Good for you! Hey, at least you’re moving on, right? It’s normal to feel overwhelmed and confused

at this point.

In terms of losing weight, it's like you finally pay attention to what people are telling you but you’re still unsure of what to do. Should you start going to the gym? Throwing out all your junk foods? Fasting? You don’t know what to do

yet!

What’s important in this stage is that you’re finally acknowledging the fact

that changing for the better and starting to control your situation is good.

P A G E | 20

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

3. Preparation: “I’ve already done research so I think I’m willing to

commit to doing these action plans.”

Right now, if you got this book because you want to take charge of your finances and not just because I’m your daughter (I’m talking to you, mama), then I’m willing to bet that you’re already in the “Preparation” stage.

You’re half-way there, believe me! Since you’ve already thought about

changing, go ahead and do some research of your own: read books, magazines and blogs; ask experts for advice; and make a list of substantial action plans that you’re willing to do.

You’re going to be spending a lot of time researching about personal finance tips while you’re in this stage. 4. Action: “Hey, look at me! I’m actually starting to manage my money! ”

At this point, you might be feeling eager, energized and enthusiastic. You’re feeling great because you’re actually starting to do something about your

little money issue. 5. Maintenance: “Woah, this being a millionaire thing is hard. But I will

keep on going!” Honestly, this stage is going to be difficult. It’s going to be hard. It’s going to test your self-discipline and motivation. Most of all, it’s going to make you send me “I don’t like you, Lianne!” emails just because of the hardship that you’re going to go through.

P A G E | 21

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

You will struggle to keep on believing in yourself when majority of the comments you receive are all negative.

You will struggle to keep on moving forward when majority of the time, you’d feel like giving up.

It is at this point that I would recommend you to go back to your Millionaire Meaning.

Keep going.

P A G E | 22

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Don't Wait Or You Might Be Late Sayang. This is what you say when your long-time crush finally gets a boyfriend.

This is what you hear when you line up to get a free item but it has already run out.

This is what most “experienced” (read: old) investors say whenever they talk

about their personal finance adventure. They have one regret in common: they started investing when they were already in their 30s.

They dislike the fact that they could have invested earlier – they should have earned more interest!

You're 25 years old right now. You have a monthly income of P 30,000. What if you invested 5% of your income – that's P 1,500 monthly, okay?

If you invested P 1,500 monthly until you're 65 years old, this means that you've invested for 40 years. Let's say you invested in an investment account that was able to yield 8% interest annually.

Your investment amount when you're 65 would be worth P 5,068,645.51. Not bad for only setting aside P 1,500 per month, right?

What if you're already 28 years old with a monthly income of P 30,000? You

P A G E | 23

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

invest 5% of that so P 1,500 monthly, too. Investing until you're 65 would give you 37 years of investing. If you also invested in an investment account that yields an average interest of 8% annually, how much would you be left with when you're 65?

It would be P 3,973,555.46.

P 5,068,645.51 - P 3,973,555.46 = P 1,095,090.05

You delayed for only 3 years, but the difference in the total amount is huge. It's a difference of one million pesos!

See? There's a one million peso difference for only 3 years. No wonder other investors say “Sayang!”

Why wait? You'll just get older and poorer.

Don't wait for the “right” time to manage your money. Make the time to do so.

Do it now before it's too late.

P A G E | 24

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

EMBRACE These 7 Start-Up Challenges Every success starts with a challenge.

Socorro Cancio Ramos or Nanay Coring, the founder of National Bookstore, built and rebuilt the National Bookstore three times from scratch.

First, Nanay Coring was forced to stop selling majority of the books because of the Japanese censorship. She sold soap, papers, slippers and cigarettes instead.

Second, the National Bookstore stall in Escolta was damaged because of the war during the American period. She recovered by selling unused greeting cards and uncensored books.

And third, the National Bookstore stall relocated in Avenida encountered a typhoon. The typhoon blew the roof of the National Bookstore branch and soaked its books and other items for sale. Everything was deemed to be worthless as she couldn’t sell them anymore. She started from zero once again and prevailed in the end.

Today, National Bookstore has branches in over 125 locations in the Philippines. It also has a convenience-type of store named NBS, another book store named Powerbooks, and a lot of publishing companies named CachoHermanos printing press, Anvil Books and Capitol-Atlas Publishing.

P A G E | 25

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Nanay Coring didn't shy away from challenges – she embraced them and faced them head on!

How about you: are you willing to do the same in your financial adventure?

What do you do when you encounter challenges in terms of managing your money and taking charge of your life?

You EMBRACE them. 1. E – Erroneous Expectations “I can get rich quickly and easily by joining this program!”

“Dude, it's the government's fault that I'm broke right now. It's a conspiracy, I tell you! That's why they should provide all my needs.”

Your Challenge: Your head is filled with all these false expectations that you simply can't find the motivation to work on your finances. You think that being rich is easy and quick – when it's really not. You think that the government is responsible for your money – when it's not.

And you expect that you can never be rich just because your lola was poor, your tita was poor and your neighbor’s best friend was poor.

P A G E | 26

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

2. M – Mañana Habit

“Oh, I’ll wait until I’m much older to do this. Come on, I’m still young. It’s not like I’ll need this, right? I have all the time in the world to save up when I’m in my 40s!” Your Challenge: You’re procrastinating because you have this false security about your age. You think that just because you’re still in your twenties, you

have all the time in the world to save up much, much later.

You’ll relax for a long time. You’ll spend your hard-earned cash on stuff that you don’t even need because you think that saving money is something that

“only really old people” do. 3. B – Bogus Money Beliefs

“Money is evil.” “God hates rich people. He doesn't want them to enter Heaven.” “Hey, if God intended me to be rich, He should have given me a signal.”

Your Challenge: Growing up, these money beliefs are deeply ingrained in your mindset: You think that money is pure evil so you're not really putting any effort towards achieving financial freedom.

You're scared of God rejecting you so you just want to be poor instead of wealthy.

P A G E | 27

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

And you think that you will only pursue financial freedom when God gives you the signal.

If God gave a signal to everyone in the world to do everything, I bet He'd be so exhausted! Give God a break, my friend! You don't need to depend on all His signals just to be able to control your life. Remember that you are the author of your life – God is the editor.

God can't edit anything if you haven't written something. 4. R – Reckless Spending

“OMG. I NEED to buy this dress. I look great in this! My crush would definitely look at me now! Maybe I’ll include the shoes, too! And this pretty pink ribbon! Nice, I still have some money left. Better save it for the time when he actually asks me out on a date!”

Your Challenge: You buy practically everything that you want simply because you have the money for it. Should you buy a whole new outfit (complete with the shoes and the accessories) just because you got a bonus? Nope!

Should you get the VIP pass to a concert that you’re not really interested in just because you have extra cash? No.

And should you borrow money from friends and family just to eat at a buffet restaurant for your daily lunch? No way. (You'll get fatter, too!)

Reckless spending makes you spend more than you make because you don’t have the knowledge to differentiate “wants” vs “needs”.

P A G E | 28

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

5. A – Antagonists

“Don't even bother trying in convince me.” “Why bother? Nothing will work anyway.”

“Oh man, you're so weird for saving up early! You're still young – let's go shopping instead!” “Wow, your retirement fund is in the stock market? Loser!”

Your Challenge: Ah, antagonists. They are the kontra-bida in your financial life.

I have a term suited for them: they are “vacuum people”.

You know what the word “vacuum” means, right? It's vacant and it's void –

just like vacuum people.

Vacuum people are those kind of people who bombard you with negativity and suck out all your motivation up to the point when you'll have nothing left.

There are two kinds of vacuum people:

- Stick Vacuum (light and less suction): These people are usually close to your heart. Typically, they become vacuums because they feel like discouraging you to do something is actually protecting you from hardships.

Your dad who doesn't want you to invest in the stock market or your best friend who doesn't want you to save 10% of your paycheck are examples of

P A G E | 29

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

this kind.

- Upright Vacuum (heavy and most powerful suction): These are people who dislike the fact that you're starting to control your finances and actually improve your life.

Call them haters, misanthropes or even “trolls” - they hate that you're managing your money and they're determined to bring you down with them.

6. C – Cluelessness

“I can’t save money because I don’t know what I should do first!” Your Challenge: I know this one: I've met this troublesome barrier before.

You want to budget your take-home income but you don't know where to start first.

You want to invest a part of your income but you don't know which account to open.

You want to buy life insurance but the agent is explaining complicated terms to you and you're afraid to ask.

You want to establish an emergency fund but you don't know the actual figure.

You want to save up for your retirement now that you're still young, but you don't know which investment vehicle to ride on.

P A G E | 30

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Nosebleed! Quick, here's some tissue! 7. E – Effortless Living

“I really really really want to be a millionaire, believe me! I just don't want to do all the hard work that comes with it. Meh.” Your Challenge: You've written your Millionaire Meaning – but you're not making any effort to actually turn it into reality.

You've laid out your budget in MS Word up to the single centavo – but you're not really following it when it comes to allotting your money.

You repeat your Millionaire Meaning to yourself every single day – but you're still spending recklessly.

You know the fact that being a Millionaire takes work and effort from you but you just don't want to do all that.

Sigh. Why can't you just win the lotto instead?, you ask.

You can make things happen instead of just letting them happen to you.

After getting the knowledge, proceed to taking action.

All the knowledge in the world is useless unless you act on in.

P A G E | 31

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

'Wag Kang Assuming! The word “budget” may mean a lot of things to a lot of people. Some view it as a nuisance while others think of it as something that is needed to be strictly followed.

Other people, though? They literally cringe at the thought of doing it.

I don't think budgets should be taken extremely, though – it's supposed to be viewed as a guide.

Think of it as your saving and spending plan.

A plan, right? See, it doesn't sound so bad when you think of it in this way!

In fact, budgets can actually be a lot of fun! A budget allows you to plan so you can have fun.

6 COMMON MYTHS ABOUT BUDGETS

Before we start talking about the actual templates, let's talk first common budgeting myths for a while.

Maybe you've thought about these misconceptions once or twice. Maybe you've even believed these myths because you just don't really want to know the whole truth. Maybe your mother's cousin's best friend told you one of these myths and you totally believe her.

P A G E | 32

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Whatever your reason is, let's debunk these myths to help you open your mind more about your lovely saving and spending plan. “Budgets are boring and complicated and they just make my head hurt.”

With all the advanced technology, all the apps and calculators and all the savvy personal finance tips around, budgets can actually be fun and easy!

And who says budgets need to be boring? Your saving and spending plan is a reflection of yourself. You are not boring – so your budget shouldn't be, either. “I don't need to make my own saving & spending plan. I can just use my intuition.”

Intuitions are great for determining if your long-time lover is cheating on you or if your boss secretly dislikes you – these don't particularly work for you when you're trying to find out how much money you have left at the end of the month.

Do you have enough money left for you to go to the movies? Don't rely on your instinct for that: budgets exist for a reason. “I failed at Math in high school. This means I can't budget.”

My friend, you don't need to be a super genius in Math! I seriously doubt that your lessons at Calculus, Organic Chemistry or Trigonometry would help you in your saving and spending plan.

P A G E | 33

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

You have calculators in your house, in your phone and in your computer, anyway. (Confession time: I am so bad at Math, too.) “I'll just start budgeting when I earn more money. It's way too early for that.”

Let me ask you a few questions:

Are you going to start exercising once you lose a few pounds? Are you going to start working once you get promoted?

Are you going to start going on a diet once you're in the perfect shape? No way, right?

Making your saving and spending plan is the same. You don't have to be great to be started – you just have to start to be great. “Budgets are constricting.”

This is so far from the truth. Budgets aren't constricting – as a matter of fact, budgets are there to allow you to live comfortably.

Without budgets, you're going to be spending all your money on your fun and borrowing money to pay for your committed expenses. How awful is that?

But, with budgets, you can allocate money for your charity, for your savings,

P A G E | 34

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

for your committed expenses and for your fun! Now that's more like it. “Budgets? Ha, aren't budgets for losers only?”

I'm not really sure where you got this myth from. But, I'm pretty sure that a responsible 20-something who has the money for giving, for saving, for basic living and for playing is not a loser.

A 20-something who can pay for his grocery bills and who can save for his upcoming overseas vacation is not a loser. In fact, I think that a 20something who is capable of controlling his money is a winner, don't you think so?

P A G E | 35

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Hi Budget. Your budget is actually your financial blueprint. Without it, you will be at lost as to what you should do with your money.

You would be running around the malls and buying whatever you like, wasting all your money and spending them on things that don't even really matter!

12 days before the month ends, you find out that you have no money left so you have to eat instant food products just to get by.

The worst part? Some of your not-so-kind acquaintances would invite you to go out with them even if they know that you don't have any money left just because they want you to feel bad about yourself.

Does this sound familiar? Don't worry – we've all been there (wink smiley face).

This is why you've got to be determined to set your life straight by setting up your own saving and spending plans. Budgets are supposed to be comforting – not constricting!

Do you really need to have 14 categories for budgeting? Are you supposed to input the amount every single day on your spreadsheet? Should you stick to a complicated template just because the person

P A G E | 36

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

who did it is regarded as an expert in finance?

Of course not!

You are a smart and savvy 20-something: you can definitely make budgets short, simple and sweet for you. A simple saving and spending plan is actually the best for 20-somethings because you don't have to stress too much about it.

To guide you in setting up your first ever saving and spending plan, here are three templates that you could use:

Tall: Even preschoolers can start practicing this plan because of its sheer

simplicity. You can start with this one to ease into the planning habit.

Brother Bo Sanchez gives this simple template. You can handle your takehome income with your saving and spending plan that can go like this:

Personally, here is a basic budget template you can use to get started.

Okay, are you still with me right now?

P A G E | 37

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Still breathing okay?

Still reading this?

Good! I'm so proud of you, my friend!

Now, take a moment to absorb what you've just read.

Do you feel overwhelmed? That's normal.

Do you feel scared? That's normal.

Do you feel like you can't do this anymore? That's normal, too.

Feeling discouraged in making changes in your life is a normal reaction simply because we dread the unknown. However, don't let all these feelings bog you down.

You're playing the Wheel of Control, remember?

You're doing this for yourself, for your loved ones and for the community you love, right?

P A G E | 38

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Deal With Credit Card Drama Are you having a hard time paying off your credit card debt?

You're not alone with this struggle.

According to Market Manila, as of December 2010: •

Roughly 6.7 million credit cards are issued in the Philippines.

•

An estimated of 4.0 million people in the Philippines own credit cards. ◦ Around 2.5 to 3 million people have one credit card. ◦ While an estimate of 1 million people have two or more cards.

•

Generally, credit card holders owe 135 billion pesos. Yes, this P135 billion is the amount of unpaid credit card debt in the Philippines!

•

The Credit Card Association of the Philippines say that 55% of credit card owners pay their full monthly bills on time. If you're one of them, great for you! (Your friends probably don't like you very much, though...)

•

On average, every credit card owes P 20,000.

•

If you're among the 45% who don't pay the full monthly balance on

P A G E | 39

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

time, you have an average of P 44,000 that you don't pay off, so this P 44,000 will definitely “revolve” or “roll-over” to the next billing period.

Do these figures make you gasp in shock? Laugh in insanity? Or cry in depression?

You don't have to deal with all this heavy credit card drama during your relationship with bad debt, you know.

You're better than this. You can always decide to dump your bad credit card debt. (Have credit card debt? READ this ebook made for you: Credit Card Debt-Free For Life: 5 Effective Steps on How to Get Out of Credit Card Debt in Just 5 Weeks)

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Pay The VIP First Many people often frown upon the very idea of saving. It's like vinegar, you know? If you don't believe me, try saying “saving” in front of your friends:

I'm sure they're either going to make a sour face at you or get away from you as soon as possible.

It's such a negative concept for a lot of Filipinos because they equate saving to being forced, to suffering and to depriving oneself of life's pleasures.

This is so far from the truth!

Saving actually gives you access to life's pleasures! Imagine if you started saving when you were just in high school. Oh, just remember all the money that you wasted!

After that, remember that saving is truly important because:

•

You're right! You did earn this money. You worked for this money. You deserved this money – that's exactly why you should save a part of this money so that you can use it in the future!

◦

Save because you will always encounter (real) emergencies, whether you like it or not.

◦

Save because you will need to have an initial investment fund to start investing.

◦

Save because you deserve to live a debt-free life where you don't owe any money from anyone.

P A G E | 41

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Your iPon > Your iPhone Save money now.

Some 20-somethings are so complex up to the point that they have this need to over-analyze everything. For us, let's keep things simple.

I'm not going to bore you with minutiae about how the color of your tie influenced today's market crashed, how the President's current girlfriend affected the country's inflation rate or about how you should wait for 3.706074 days before saving to optimize the value of your pesos.

Dude, there are only two best times for saving: yesterday and right now. And because you can't travel back in time (yet...), you only have now.

Save small amounts regularly.

It's so much better to start now and save small rather than to start later and save all. Remember crash diets?

You don't want crash savings as well! Saving is a habit so even if you save small amounts at first, the most crucial point is that you do this consistently.

Build your own saving & spending plan.

Failing to plan is planning to fail.

Building your own plan is beneficial so that you have a system on how much

P A G E | 42

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

to save and where to save your money every month. Refresh your budgeting powers.

Don't force yourself into saving money.

Fool yourself instead. How? These are 15 ways:

1. Picture your old self. Find a photo-aging program online, upload your own photo and see your old self looking right back at you.

2. Don't sign up for “deals”. You'll save more by signing up your email address on group deal websites because you'll be getting all the huge discounts, right? Wrong.

I don't know about you but getting my inbox spammed by 50% off on restaurants, gym memberships, bars and hotels isn't really going to help me save money.

3. Set up a specific retirement date. Saying you'll retire “early” doesn't have

any impact at all!

What about saying “I'll retire on June 26, 2053” instead? This specificity would

definitely persuade you to save more because you're going to have this sense of urgency with you.

P A G E | 43

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Ang Cheap Mo Naman Frugality.

Sigh, this word gets such a bad reputation simply because people equate it to being cheap, being thrifty and being kuripot.

MEET FIONA AND CHIONA

To differentiate the meaning of these two, let's talk about Fiona and Chiona, okay?

Fiona and Chiona are twin sisters.

They both love saving, budgeting and giving back to God. They both adore frilly dresses and pink fingernails. And they both have a crush on Daniel Padilla, yes, even though they're already 20-somethings.

One day, Fiona and Chiona have gotten their salary. After giving back to the communiity, saving & investing and paying for their bills, they decided to spend their fun money by going shopping (for dresses, not for Daniel Padilla!)

After browsing the stores for a while, they both take got their picks and went in line. Their conversation went like this:

Chiona: What dress did you get? I got this one even though neon orange is not

my favorite color and even though this doesn't fit me that much. It's the cheapest! Only P299!

P A G E | 44

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Fiona: I got this P899-dress because I love pink and because it fits me perfectly.

Chiona: Well, fine, maybe this dress's materials are poor. But they're cheap anyway so I can just buy again next month.

Fiona: The materials of this dress are high-quality. I think this can even last me for one year.

Do you get the difference between cheap people and frugal people, then?

Cheap people care about the cost. Frugal people care about the quality.

Cheap people are concerned about getting the lowest price, whether or not they really like the item. Frugal people care about getting the reasonable price for an item that they deeply care about.

Cheap people practice cost-centered spending.

Frugal people practice priority purchasing.

P A G E | 45

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

A Walk In The Park You should know that life is a huge and unpredictable adventure. Today, you can be eating gourmet food while tomorrow you can be surviving off of instant noodles for your breakfast, lunch and dinner.

Now, you can be enjoying the products of your hard work while later, all these earnings may be wiped away in an instant.

This is where security comes in.

Let's say that you love walking in the park to exercise, to brainstorm and mostly to stalk on your long-time crush in real-life.

So that you won't be too obvious, you brought your little brother with you during your walk.

You heard that it was going to be a nice weather – not too sunny and not too rainy as well. However, before going out, you still applied sunscreen lotion and brought your lotion bottle, rain coat and umbrella with you.

You decided to be sure, just in case, of course!

Upon going out, you were shocked to know that the sun immediately intensified its rays. Gasp! It was a sunny day! Good thing you applied sunscreen.

P A G E | 46

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

After 3 hours, though, your crush is still nowhere in sight. Also, the sun is still angrily glaring at you and your protection from it is deteriorating! What you did was apply sunscreen again. Thank God you brought the bottle with you!

Your emergency fund is your sunscreen lotion:

- It's worth 3-6 months' of your monthly expenses. - It's supposed to be accessible and liquid so that you can easily tap into it for

emergency situations. - After using it all up, you're supposed to fill it up again.

After waiting for an additional one hour, your Daniel Padilla-look-alike crush appeared. He's still as attractive and as suave as ever.

Suddenly, you felt a hint of wetness – you noticed that light rain was drizzling. It's umaambon! What you did was put a raincoat on you and your little brother for protection.

Your rain coat is your health insurance.

- You need it for sudden medical emergencies.

- Your hospitalization and medical expenses are covered so you don't have to watch your life savings be swept away.

- There are many types of health insurance but you have to shop around and get the best fit for you and for your dependents. “Blast this rain”, you thought. Now where was your crush? Oh there, he's there

P A G E | 47

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

and walking... Walking away!

He's holding hands with someone?

Who?

Oh my gosh, was he holding hands with your best friend? (How cliché!)

Your best friend and your crush are going out?!

To make matters worse, the rain even got stronger. Heartbroken and panicking, you opened your umbrella and gave it to your little brother so that he could cover himself. Then, you run after the couple while crying in pain and laughing at the irony of it all.

And your umbrella? It's your life insurance.

- When you become disabled or when you pass away, your life insurance would be left to your dependents.

- Your dependents will then rely on your life insurance to stand as your income replacement.

- Life insurance makes sure that your loved ones are protected even after your death.

Right now, there are three types of life insurance that you should be familiar with.

P A G E | 48

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

•

TERM Life Insurance is perfect for: ◦ Twenty to thirty to forty-somethings. It protects your dependents when you're already gone. You get no return of your deposit when you're still alive and the term expires.

•

PERM (Whole) Life Insurance is perfect for: ◦ People who don't really care about maximizing their money's potential. sell insurance. It protects your dependents while you're gone and makes you deposit for a long, long time. Boom boom pow.

However, there's another insurance product that I like right now. In fact, I like it so much I recommend it to my suitable clients – it's a life insurance + investments + savings product. Think of it as 3-in-1! •

EARN Life Insurance (Variable Unit Life Insurance) ◦ Everyone can take advantage of the benefits of this product. ◦ A VUL is a life insurance product with investment benefits and savings factor. ◦ The amount you set aside for it will be used to:

- provide for your loved ones financially, even if you're not with them anymore; -fund your dependent's cost of living and create a brighter and better future for them; - make your money work hard for you because you have the potential to gain higher interest rates than banks' savings accounts as your money is invested; P A G E | 49

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now. Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

◦ You also have the option to withdraw your investment fund any time because after all, it is your money. ◦ It acts like an income protection account plus savings account plus investment account = 3-in-one

Some VULs that you may want to take a look at are:

Sun Maxilink Prime: Your Ticket for Retirement

Sun Flexilink Assist: Health and Wealth

With these, I can personally assist you in opening your own income protection + investment accounts. 

Protect your income & retire with MILLION S. Ask me how at The Wise Living now.

P A G E | 50

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Anong Investment Type Ang Bagay Sa 'Yo? Inflation is a bad thing. It is the reason why putting your long-term savings in a bank is not a good idea.

Rule of thumb: Your investment money should be in investment vehicles that

beat the inflation rate.

The inflation rate of the Philippines is recorded as 2.80% as of June 2013. And how about the time deposit rates in your banks? Usually, they’re between

0.875% to 1.85% only!

This means that your money which is stuck in the bank is actually losing its value over time. The best way to combat inflation? Invest.

Investments are available for people of all walks of life now. Gone are the days when investing is only for the rich. Now, we can all invest with the initial amount of either P5, 000 to P10, 000!

As I've mentioned earlier, you can even avail of a life insurance + savings + investment account, the VUL to protect your income, be your savings and be your investment account. You can also do mutual funds or unit investment trust funds.

P A G E | 51

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

We as young professionals owe it to our older selves to invest.

You should remember that the best way to prepare yourself with investing is through self-insight.

Simply speaking, know your goals.

Short-term goals: (1-4 years): You will need the money in a few years’ time

so you need to invest in something where the possibility of losing money is very small. Examples: Fixed-income securities like money market or VUL that

invests in bonds. Medium-term goals: (5-9 years): This is where there’s a chance that you will

lose some money although there is also a chance wherein your investments will yield a substantial profit. Examples: balanced mutual funds or VUL that

invests in balanced funds.

Long-term goals: (10 years and beyond): This is where there is a chance that you will lose a portion of your money within a short period of time, say, losing 10-30% in a span of two months. This is also where there is a chance that you will earn huge profits, provided that you keep the money in for the long term.

Examples: equity mutual funds, VUL that invests in equities or the stock market. TIPS TO KEEP IN MIND:

1. Invest NOW. Compound interest working for you for a very long time is your best friend. Later you will see that when you start investing

P A G E | 52

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

early, you will be able to get a huge amount of money just by investing a little amount.

2. Diversify your investments. Don’t just bid everything on one

company. This is because if one company folds, then you will be sure that the other company’s got your back.

3. Make investing your habit. Treat is as one of your bills. Make your

money work for you. Invest consistently and regularly so that you will make it as your habit as time goes by. Let’s say you invest in an investment vehicle that got an average annual return of 9%? Your Age Now To have 1 Million Pesos at a specific age, you need to SAVE & INVEST the following amounts monthly (9% Annual Return)

21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38

At age 30 6,400.00 7,556.20 9,057.54 11,076.65 13,924.37 18,222.39 25,421.23 39,872.41 83,333.33

At age 35 3,202.76 3,630.55 4,137.56 4,745.56 5,485.01 6,400.00 7,556.20 9,057.54 11,076.65 13,924.37 18,222.39 25,421.23 39,872.41 83,333.33

At age 40 1,810.87 2,017.69 2,253.85 2,525.00 2,838.24 3,202.76 3,630.55 4,137.56 4,745.56 5,485.01 6,400.00 7,556.20 9,057.54 11,076.65 13,924.37 18,222.39 25,421.23 39,872.41

At age 45 1,085.21 1,198.49 1,325.42 1,468.05 1,628.87 1,810.87 2,017.69 2,253.85 2,525.00 2,838.24 3,202.76 3,630.55 4,137.56 4,745.56 5,485.01 6,400.00 7,556.20 9,057.54

P A G E | 53

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

39 40 41 42 43 44

83,333.33

11,076.65 13,924.37 18,222.39 25,421.23 39,872.41 83,333.33

P A G E | 54

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

Money Without Meaning Is Useless Giving back has been one of the most wonderful feelings that I've ever had.

I want you and your loved ones to be able to experience this wonderful feeling, too! And so for today, I am going to enumerate some perks of giving back:

1. It makes you content!

Giving back feeds your spiritual hunger. God must have given us our own versions of spiritual hunger. Some people mainly cope with it through religious rites. Others sing songs of worship. Other people I know dance out of gratitude.

Personally, I choose to give back. (I don't think anyone would want to see me perform anyway...)

2. It gives you more time to appreciate God's goodness.

Giving back gives me the mindset that I am indeed blessed by God in so many ways. I think that sometimes, God gives us more than enough so that the excess can be given to other people.

Let others feel God's love through you.

P A G E | 55

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

3. Practically speaking, it helps clean out the clutter.

Obviously.

4. It promotes bonding.

I've said it before and I'll say it again: doing something together promotes bonding with your loved ones!

Would you rather bond over watching a movie or over teaching street children to read?

Watching a movie makes you enjoy.

Teaching others makes you empower them.

P A G E | 56

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

WHAT'S NEXT? How did you find this book? Helpful? Inspiring? Bitin? :) Here are 3 quick offers to you: •

A FREE SUBSCRIPTION Join us at TheWiseLiving.com and get free posts on controlling your cash, improving your income, managing your money and being a 20-something millionaire!

•

A FREE HELPING HAND If you find this e-book helpful, please share it to your friends by giving them the link to my blog. Who knows? They might even thank you for helping them open their eyes and own their lives!

•

A FREE CONSULTATION: Like what I've mentioned, I'm a financial advisor. For your money

questions, budgeting basics, investment inquiries, insurance queries and basically, financial planning needs, feel free to go and email me at [email protected]. I'd be happy to guide you!

P A G E | 57

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

You can even let me personally assist you in opening your own insurance, investment or insurance+savings+investment account (VUL). Just go on and drop me a line at [email protected]

•

PRE-ORDER THE FULL VERSION OF THIS BOOK

Stay tuned for the detailed, comprehensive and full version of the “OMG! Where Did Your Sweldo Go?” book this November 2014. We will limit the printed copies of this book, so pre-order it now! To pre-order the full version, please go here: Pre-order “OMG! Where Did Your Sweldo Go?” book.

See these awesome book blurbs from superiorly awesome people: "Lianne is refreshing. People in their twenties and thirties must read this. You can never start too early in building your path to financial freedom." Bo Sanchez Bestselling Author “It's great that Lianne wrote a book that zeroes in on the now generation which can benefit much from financial wisdom from this book. A must read for the young ones and the young once." Randell Tiongson, RFP Personal Finance Author, Columnist, & Trainer

This book will contain more lessons like: •

A “Your Turn, Co-Author!” (Exercises) section at the end of every section.

•

Making your own Millionaire Meaning to motivate you to be a millionaire;

•

In-depth explanations of 5 Common Stages of Change to empower you;

•

Solutions for EMBRACE the 7 Start-Up Challenges to help you overcome these obstacles;

•

Relatable anecdotes that make you realize you are not alone;

•

Complete Step-by-step Guide to Saving to guide you into making saving your habit;

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now. Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

•

Complete 3 Saving & Spending Templates – with actual percentages! (including the template that works for me) to guide you in making a budget that works for you;

•

How to get started with Priority Purchasing to make sure your money only buys the things that matter to you;

•

How to compute for your own life insurance coverage to know if your insurance coverage is enough to provide for your family when you're gone;

•

The simplest definition of inflation to make you understand why it's foolish to put your long-term savings in the bank;

•

The 3 Basic Types of Investments to let you know which investment type is right for you;

•

How it's possible to invest only P300,000 and get almost P20,000,000 in returns to motivate you to invest now;

•

The 6 Key Rules to I-N-V-E-S-T to retire with tens and hundreds of millions along the years;

•

The Importance of Giving to give you a more abundant life; and,

•

The 5 Money Beliefs that can Change Your Mind to overhaul your financial mindset and help you think like a millionaire and be a 20millionaire;

Excited? Me too! To pre-order the full version, please go here: Pre-order “OMG! Where Did Your Sweldo Go?” book.

Right now, feel free to email me at [email protected] for your money questions, insurance advice and investment queries. I'd be waiting for you, my friend!

Live wisely, Lianne Martha M. Laroya

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

PREVIEW OF “Credit Card Debt-Free For Life: 5 Effective Steps on How to Get Out of Credit Card Debt in Just 5 Weeks” e-Book Introduction

You and your credit cards have been in a relationship for quite some time now. At first it was good: you got to shop ‘til you drop until your wallet turned bulky with plastics and your mail became a dumpster for statement notices. It must have been a complicated relationship, huh? I know you wanted to break up with those cards and gladly, this book, is here to help you out. First, I want to thank and congratulate you for downloading “Credit Card

Debt-Free For Life: 5 Effective Steps on How to Get Out of Credit Card Debt in Just 5 Weeks”. While the billionaires have the best financial advisers, you, on your end, have this book to guide you all through the way of effective debt combustion. You are a few pages away to reaching financial freedom. Now is the time to take action. When it comes to money managing problems, you are not the only one: in America alone, about half of its population has more credit card debt than savings. In the United Kingdom, credit card is the biggest source of unsecured debt. Financial problem related to credit card is a common thing to us; perhaps, too common that the problem is often overlooked as a part of a person’s daily life. It looked as though this problem is something that is tolerable. But oh, the horror of the end results! What awaits is a financial burden that has the potential to turn into an endless cycle of debt. Literally, endless, that you could be one those people who weren’t able to pay their debts until their last breaths. In this book, you will not learn about the “Avada kadavra!” of money management. Instead, you will be guided accordingly so that you can break free from that debt rope tied around your neck in just five week’s time.

Yes, that is possible! We make it possible for you.

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

This book suits you best if: - You don’t know and you don’t want to know how much you owe because you’re scared of the real figure, - You apply for new credit cards just so you can continue funding your lifestyle; - You use more than 40% of your take-home income to pay for your credit card’s monthly minimum dues; - People already harass and pressure you to pay the money you owe to them; - You’ve tried to buy something with your credit card but it was not approved because you are over the limit already; or, - You hide your credit card statements from your family and friends because you feel embarrassed about your debts. So, if any of these situations are applicable to you, then you should go ahead and grab yourself a copy of this book. It’s NOT yet late. You can break up with your credit card debt! By purchasing this guide, you’re saying that you’re committed and capable to own and improve your life. With this, I’d like to thank you again for downloading this ultimate credit card solution. I hope you enjoy and get empowered! Click here to check out the rest of “Credit Card Debt-Free For Life: 5 Effective Steps on How to Get Out of Credit Card Debt in Just 5 Weeks” book on Amazon.

Protect your income & retire with MILLION S. Ask me how at The Wise Living now.