Rich Money Habits

A humble low-income earning janitor became better off financially than a highly successful doctor. It happened…only in the Cashflow 101 game.

Last weekend, I had the great fortune to host another round of Rich Money Habits Cashflow Workshop.  And I couldn’t have prepared myself for the suprise that I was about to witness — a janitor beating a doctor in the cashflow game.  It happened.  It really happened.

How did it happen?  Simple.  The janitor took advantage of the opportunities that came his way, even though he had little money to begin with.  In the end, he got out of the rat race and achieved his dream.  The doctor, on the other hand, was a little bit more careful and took his time investing in opportunities.  While he was able to generate a lot of passive income, in the end, he wasn’t able to get out of the rat race.

Of course, it helped that the janitor only had minimal expenses, so he only needed a few extra passive income to get out of the rat race.  But then again, he also did not let his meager paycheck affect his willingness to invest in income-producing assets.  Even when the deal was “too big” for a janitor’s income, he still managed to face his fears and take advantage of the opportunity.  In short, he invested in income-producing assets and when the market turned up, he sold those assets and got a hefty sum that allowed him to invest some more.

The doctor, on the other hand, wasn’t doing bad financially at all.  In fact, he actually acquired more properties, earning him more passive income than the janitor.  How many? A lot more, I would say.

Why then was he not able to get out of the rat race?  Reason? He had a high expense.  That high expense spelled the difference.  Because of the high expense, he needed to do a lot more than the janitor.  Whereas the janitor needed only 2 properties to get out of the rat race, the doctor was only half way to getting out after acquiring about 10 properties.

It appears a story like this happens only on fairy tales.  A happy ending.  A triumph of David vs Goliath.  But the message is clear.  It isn’t so much about how much money you make.  It is also about how much you spend, and how you invest the difference so you can get out of the rat race faster.

Taking this important lesson to real-life, here are things you can do to help you get out of the rat race.

1) Take charge of your cashflow

As my good friend Jay Castillo mentioned in one of his popular articles, you should become the CFO (Chief Financial Officer) of your own financial life.  You have to treat yourself as a business enterprise.  You have to look at your finances from an eye of a business tycoon.  How much money is coming in (salary, side businesses, investment income, etc), how much money is going out (rent, food, car, starbucks, etc), and how you are going to invest the difference.

2) Take the right mindset

Having the right mindset will help you build the right money habits which will lay out a good foundation to your financial journey.  It is not about getting rich quick by taking advantage of other people.  Nor is it getting rich winning the lottery. It is not about getting rich being a crook, or a dishonest politician, or an evil-villain in movies or soap operas.  It is about being rich with integrity and honesty by providing value to a lot of people.  It is about being rich so you can bless more people.

3) Take baby steps

One of the most dangerous things you want to get your mind off is the idea of winning a one-time BIG-time fortune.  It just doesn’t happen that way.  Take baby steps.  You start small.  You learn.  You grow.  Once you learn the lesson, you’ll be able to handle the responsibility when the BIG fortunes come your way.  Having the BIG fortune when your not ready can even be detrimental to your growth.  Ask any of those who won the lottery and ended up poorer a few years after winning.

4) Take your time

Be patient.  It will not happen overnight.  It takes time to learn the right mindset, to develop yourself to be able to do the things that you need to do to provide value to other people.  You will go through a lot of discouragements.  But all people who have accomplished great things have gone through trials.  It just makes the victory even sweeter.  Just like wine, the longer the wait, the tastier it becomes.

5) Take responsibility

One thing all great people have in common is that they take responsibility of their results.  If you fail, it’s your fault.  If you succeed, it’s also your fault.  There are no excuses.  We are dealt with the same lemons every now and then.  It is up to you to take those lemons and turn them into a lemonade.  It’s never a question of being lucky or being dealt with a fair amount of challenges.  Time and time again, the thing that makes people great is never in the amount of challenges they have to face.  It is in the realization that they have a tremendous power to take on those challenges, if only they believe in themselves enough and the God who made them.

Go out there and be rich with honesty, integrity and humility.

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I’ve never really undestood what the saying “Time is Gold” really meant until I learned a little more about the world of money.  Time is an abstract concept that doesn’t really exist, just like money.  But the sheer mention of the word ignites a lot of emotions from different people.  Those without it, are stressed out.  Those with a lot of time on their hands are either bored or dreaming.

While pondering this old saying, I realized there are actually 5 things that explain why time can be considered Gold.

1. You can never get it back

The only thing in this world that you cannot get back (aside from life itself) is time.  When you’ve spent 30 minutes of your time, you can not get it back, however you desperately want it.  You can invent the greatest time machine all you want, but at this point in human evolution, there’s just no way of turning back time.  That’s why the emotion of “regret” is very powerful.  If only you could turn back time somehow, you would give everything just to have it.

The ironic thing is, all the material things we trade our time for can be taken back.  I know of someone who lost her home to foreclosure, but managed to get it back years after because of her determination.  Donald Trump, the billionaire real-estate magnate lost a lot of money, but managed to get it all back and more.  Unlike material things, once time passes you by, you can never bring it back.

2.  You only have 24 hours in a day

This is really an amazing equalizer.  Everyone gets the same chance at life.  We all have 24 hours in a day.  Even the richest people on earth only have 24 hours in a day.  The poorest of the poor also have 24 hours in a day.  The only difference — they use their 24 hours very differently.

If you don’t like what your life is right now, there’s only one thing you need to do — change the way you spend your time.  You don’t need to place your hope in winning the lottery, or deceiving other people for your own financial gain.  You can get rich with integrity by learning to value your own time, and valuing other people’s time as well.

3.  You can trade time for money

You can trade your time for money.  How? Simply get a job and watch the next 40 years of your life traded for a monthly salary?  How much is your time worth?  Are you earning enough?  Is your time worth that much?

It doesn’t matter whether you are CEO or an entry-level employee, you still trade your time for money.  When you don’t go to work, you stop earning.  Unless of course, you are investing that time to build your own business, or investing your earnings on income-producing assets, that, hopefully someday allow you to hire other people to do the work for you and you can then spend your time playing with your kids, doing the things you love to do.

4.  You can leverage your time

Why is it that even though everyone only has 24 hours in a day, some people can get a lot more done than others? Reason? Leverage.  Henry Sy employs thousands of people to run his business empire.  By so doing, he multiplies his time by thousands.  With that thousands of hours, millions is earned by his businesses each single day.

Compared that into a one-man show employee.  His single-handed efforts, without any form of leverage, can only get to 24 hours, no matter how strong or skilled he may be.

5.   You can make the most of what you have

The hard truth is that your time is limited.  You never know when your time will end.  But one thing is for sure, you can make the most of the time that you have.

Spend your “golden” time with your loved ones.  Take care of them.  Enjoy what life has to offer.  Remember that we are just passers by in this world we call life.  When you live your life by the moment, you leave a long-lasting impression into the lives of other people…and your life’s meaning would be fulfilled.

P.S.  If you are searching for ways to earn passive/residual income so you can enjoy more time with your family, CLICK HERE to email me.

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Ask any of your friends if they want to start their own business someday and a lot would say yes.  There’s a certain enigma to starting a business that a lot of people associate it to risk-taking and entrepreneurial individuals who overcame huge obstacles in their journey from rags to riches.  While this may be true for some, starting a business is not always as rosy as it sounds.

If you are one of those few lucky souls who want to start your own business someday, you’re up against all odds.

They say 9 out of 10 businesses fail in their first 5 years.  And out of those left standing, 9 out of 10 would have failed after 10 years.  That’s the reality you have to overcome if you want to see your own business see the light of day.

Have you ever felt that your dream of owning your business is already over even before you get started?  That’s what I felt when I heard the sobering statistics.

But why really do most people haven’t started their own businesses yet?  Their most common excuse?  Not enough capital.

The interesting is…not only is this a myth, it is a blatant lie.  It may be by far, the biggest obstacle you have to overcome if you ever want to start your own business one day.

For one, if you need a lot of money to get started, then no one would have been able to grow their business from rags to riches.  Jollibee didn’t start out in day one as 100 stores! Not even Henry Sy is good enough to have an SM Megamall when he started.  How did they start?  They started small.  Jollibee started as a small ice cream parlor.  SM was small shoe store.

Most people who make the excuse of not having capital to start their own business is making a disservice to themselves.  It’s plain old excuse.  It’s as if it’s the only thing they need to actually succeed in business.  It could be the farthest thing from the truth.  If you want to succeed, having a lot of money may even be detrimental to your business’ growth.

A lot of starting a business is solving problems.  If you have a lot of money, you have to go against the temptation of throwing money at your problem.  Without money you are forced to be creative in solving that problem.  Your creative juices is nurtured like a muscle going for an exercise.  The more you exercise, the more you become good at it.  The more you become good at it, the more your business will grow.

One rags to riches story I remember from the Truly Rich Entrepreneur’s Workshop I attended last month was about a young guy who started with PhP 100, fought against all odds and became a Multi-millionaire.  He didn’t have a lot of things, but one thing he had was his passion for cars.

One day, after having little success at school, his parents gave him PhP 100 as his last allowance.  With his back against the wall, he thought about how to start a business using only that PhP 100.  Because he was passionate about cars, he thought of opening a business around fixing cars.  The only problem, he didn’t know how to fix cars.

How did he solve this problem?  Simple.  He asked his friend who knew how to fix cars become his business partner.

With a new business partnership formed, the next problem he had to solve was to look for clients.  To solve this, he went out to the parking lot of a mall, looked for high-end cars which needed fixing.  He used a portion of his PhP 100 to come up with a flyer and slipped them into the car’s windshield.  Out of those flyers, 5 people called him up and he was able to close a deal with 2 of them.  He and his friend used the remaining money from the PhP 100 to go to their client on board a taxi.

Left without any money, they had another problem — they didn’t have the necessary tools to fix the car.  Solution?  They asked for a down payment from the client and used that to buy the tools.  And the rest as they say is history.  He was able to franchise the car fixing business system and now earns PhP2 Million peso from that business alone.

You see, it takes a lot more than just capital to start your own business. You need passion.  You need specific skills most especially sales and marketing.  You need a brilliant team around you to help you achieve your business goals.

I am not saying having money is NOT good.  What I am saying is that you need to stop making excuses and start doing what needs to be done if you are really serious about starting your own business.

Stop reading.  Go do something.  Starting your own business cannot be learned from reading books alone.  Like riding a bike, you can never learn it watching by the sidelines.  You have to actually ride on your bike, fall a lot of times, and get back up to try again..and again.  And once you learn and able to balance yourself, it will be the greatest feeling you’ve ever felt in your life.

P.S.  If you are searching for a home-based business you can start part-time with minimal risk, CLICK HERE to email me.

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Last April 3, I had the priviledge of hosting our second session of Rich Money Habits’ Cashflow 101 games.  This time, at The Old Spaghetti House (TOSH) Restaurant at Robinsons Forum, EDSA Pioneer, Mandaluyong City.

There were two great news in this session of Cashflow 101 game compared to last time —

First and foremost, all participants got out of the rat race.  Congratulations to the participants!  Yehey!  Granted, it took some time for some of the participants to get out.  In the end, however, when one of them finally got out, like magic, everyone followed suit and got out in no time at all.  It could be because they saw that getting out of the rat race is indeed possible.  Everyone focused on making more passive income from then on so they too can also get out of the rat race.  In hindsight, I realized that this is also true in real life.  The more like-minded people you surround yourself with, the more people will support you and cheer you on as you go for your dream of financial freedom.

Second, we had the luxury of time and we were able to enjoy the game without getting kicked out of the restaurant.  The first time I hosted a Cashflow 101 game in Tapa King Edsa Central, we were kicked out because apparently playing cashflow boardgame is prohibited inside the restaurant.  We were lucky the caretaker still allowed us to play the game if only for a couple of hours.  But when the guard saw us, the caretaker didn’t have any other choice than to request us to stop playing, even though we weren’t done yet…just when the participants were now beginning to see how the cashflow 101 game works.  I felt really bad for the participants and promised myself never to allow a similar experience to happen again.

Hosting the second cashflow 101 session had its own challenges but the fact that everyone got out of the rat race was a reward in itself.  It was a gratifying experience witnessing the participants get out of the rat race and cross over to the fast track.  Seeing their spirits come alive and become animated as they celebrate their personal victory is truly an amazing experience.

After the game, I asked the participants what realizations they’ve had while playing the game.  Here are 5 lessons they’ve willingly shared that I am now passing on to you so you too can learn from them as well.

1) It’s OK to start all over again. 

One of the players over leveraged and got into debt so much so that he was already paying more money than what he was able to earn.  In short, his expenses was greater than his income.  Whenever he passes by the “Paycheck” cell, instead of receiving income, he now shells out extra cash to pay out his debts.

Needless to say, this led to his downfall as he eventually filed for BANKRUPTCY.  After declaring bankruptcy, he had to sell off all his assets for half the price.  After selling his “assets” off and paying his debts, he finally got into a positive cashflow situation.

That means, he had extra money at the end of the month again.  The surprising thing was, after getting rid of his “asset” he was actually better off.  He had lots of cash and he didn’t have to pay every month for his “asset”.  What he considered to be an asset was actually eating him alive because of the HUGE loans, causing him to file for bankruptcy.

Does this sound familiar?  I think this is very similar to the housing crisis a couple of years back, and still being felt up to this day.

2) It’s OK to borrow money as long as your asset is paying for it.

One of the most popular advise you will get is to NEVER borrow money.  And it certainly is a wise advise, especially if you are still learning your way to financial literacy and you don’t have the discipline to pay off what you owe.

The surprising thing was, because of the law of leverage, those who bought assets turned out to be in better position to take advantage of opportunities when the market changed.  For example, in the game when someone draws out a market card, it could turn out positive changes to the players.  Someone may be looking to buy for a new house.  And because you have the property, you get to sell it to him.

Of course, it is not always as rosy as it sounds.  One time during the game, someone drew a catastrophic market card — a financial crisis, if you may.  Tenants could no longer pay rent.  Everyone who had 3 bedroom/ 2 bath houses was affected and the owner had to let go of their properties.  Ouch.

3) It’s OK if you want to play it safe, you can still get out of the rat race

One of the players was very conscious about getting into debt, even though it was only a game.  At first, she was focusing on the paycheck and wanted to earn more, feeling safe with the money that she had.  She avoided debts as much as possible and ensured she always had extra cash at hand.  She occassionally invested in mutual funds and stocks throughout the game.

In the end, even she was able to get out of the rat race.  She didn’t have to quit her job.  In fact, after getting out of the rat race, she now has the option to still do what she’s always done.  But the good thing is, she’s no longer tied to her job anymore.  She can quit anytime she wants, and the passive income will still be able to cover her monthly expenses.  Isn’t that great?

The lesson? You can still get out of the rat race even if you’re afraid of debts.  You don’t have to despair if you find out you’re afraid of risks.  You can still get out of the rat race.

Of course, while the game went on, she had to shift her focus from paycheck to opportunities.  One time, she was even complaining why she landed on paycheck instead of opportunity.  At the time, she was almost out of the rat race.  One small deal was enough for her to become financially free.  In that context, it’s understandable why she wanted to land on another opportunity instead of a paycheck.

4) It’s OK to give away what you seek the most

It is sometimes counterintuitive to give away what you seek most.  Your tendency is to keep what you have for as long as you can.  In reality, however, keeping it to yourself does more damage to you because of the feeling of scarcity that you’re telling your mind.  Instead, do what one of the players did.  Here’s how.

The same player who went into bankruptcy had the habit of donating to charities, even when he was financially struggling. The surprising thing was, he eventually managed to get up and get out of the rat race even with the bankruptcy.  The fact is, he even surpassed and got out ahead of some of the other players.

He mastered the flow of money by starting to be generous with what he had. It is truly mind boggling how things fall into place when you set your priorities straight.

5) It’s OK to be the last one to get out of the rat race

It doesn’t matter whether all other players are already out of the rat race, although I might say, it can be demoralizing sometimes.  When that happens, know that we all start out somewhere.  Perhaps, one was able to get out of the rat race faster because she had only minimal expenses.  Or perhaps, she took advantage an opportunity and the market rewarded her investments.  The important thing is YOU are able to get out of the rat race.  It is your personal victory.

It’s inevitable to compare your results with other people.  It’s just what we normal humans do.  But instead of living your life in despair, use that motivation to be inspired instead.  You can say, “if they can get out the rat race, it only means, I too can get out as well!”.  Keep the positive attitude up, and sooner than later, you too will celebrate your day of financial freedom. Cheers!

Readers, have you played Cashflow 101 game board?  What other lessons can you add into the above list?

P.S.  Ready to play cashflow 101 in real-life?  CLICK HERE to email me.

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As some of you know, I started the year with 3 goals in mind.  One is financial in nature (3 streams of passive income $100/month each), the other two is for my health and being (weigh no more than 85kgs and go somewhere I’ve never been to every quarter of the year).

Financial Goal #1 – Three streams of passive income earning $100 per month each

For the first goal, the short status is that it’s halfway there.  I’ve shared my income report from Google adsense and the earnings form my ebook launching in one of my recent posts.  While they are not yet earning $100 per month, the income has been up to a great start!

The ebook is not selling as much as I hoped for but I am not one to complain because it is purely passive income.  I hardly do anything aside from promoting the ebook, which I must admit I am not doing a very good job at.  Besides, I am learning a lot just figuring out ways on how the ebook can be made more useful and how it can reach a lot more people.  That’s why I am excited because in the coming weeks there will be a lot more exciting things happening here at Rich Money Habits.

Also, Red asked me thru the comment section of one of my recent articles whether I’d be willing to share how much I am earning from being an affiliate of Truly Rich Club.  I sometimes hesitate sharing actual financial results because it might be taken the wrong way.  However, I feel being transparent to you and helping inspire you in your own journey is more important than my own fears.  So here it is.

The great thing about it is that I didn’t have to create a product or ship anything.  All I did is recommend a great product that I personally use myself, and would be very happy to recommend anyway with or without the affiliate income.

One of the challenges I’ve faced as an affiliate, however, was that because I didn’t have a way to contact those who signed-up as a result of my referral, I have no way to reach them and say thank you…and may be even give them a free gift or something.  That’s one of the reasons why I launched my own product so that I can have more control and be able to give freebies anytime I want.

One thing you will notice in the report is that the affiliate income started only last May 2010, more than a year after my wife and I already signed-up as members to the Truly Rich Club.  I honestly cannot remember why it started so late, but the great thing is, even if it was only a very very small amount in the beginning, it consistenly grew to PhP2,572.80 just last month.  That’s US $59.83 already, more than half of my $100 goal!

There are other streams of income I’m planning to launch in the near future that are still in the exploratory stage, but I don’t want to spoil the fun and surprise.  You’ll hear more about them once there’s something more concrete to talk about.  In any case, the first quarter has been a great learning experience so far, one I totally didn’t expect.

Financial Goal #2 – Weigh No More Than 85 kgs

At the start of the year, I finally got the initiative to use our condo’s gym.  Jog on the treadmill for 20 minutes a day, 3 times a week — that was my goal.  I was able to do it consistently for the first few weeks and lost a few pounds…But after a few weeks of not going to the gym, I gained it all back.  My wife and I even bought a Wii Fit board, just to get some added motivation in trying to enjoy exercising, but after a few weeks, we hardly ever use it anymore.

I also started trying to eat healthy.  After learning from Bo’s book ‘Awaken the Healer In You’ that drinking fresh fruit juice can be a very healthy morning habit, my wife and I invested in a juicer that was offered at a 50% discount in one of our visit to the mall.  So we started using the juicer in the morning and got ourselves small cups of fruit juice.

The only problem – we had to clean up the juicer ourselves.  It’s not too much, but sometimes when you’re in a hurry to get to work in the morning, the last thing you want to do is spend some time washing your juicer.   So after a few weeks of being very busy, getting our daily juice in the morning became less frequent.  Of course, I could have hired a house helper to do that.  And it is certainly part of our long term plan.  But the thing is, our condo is small and just enough for me and my wife.  Getting a stay-in house helper doesn’t look like a good idea at this point.

Then I discovered Nutrimeal, a nutritious mixed protein drink designed for those who are trying to manage their weight.  I followed the recommended RESET program and in 10 days, I lost 8.6 pounds safely and easily without needing to starve myself and hardly any exercise at all.  I’m currently at 187.10 pounds, just a hair thin away from my goal of 85kgs (i.e 187 pounds)…almost there! Yey! And because it is very easy to prepare, I can have my “meal” in just 45 seconds.  This solved my problem of not having any time to prepare a decent meal as I rush off to work in the morning.

The first time I took my weight and BMI was around January, when we bought the Wii Fit board.  Just for fun, I tried checking my weight again after the 10 days of RESET program was over.  Here’s a picture of my Wii Weight Loss Chart at exactly 190 pounds.  I actually went down from being an Obese to just Overweight.  And even though it’s not yet under the “normal” range, the funny thing is that I’m still very very happy because for the first time, I am now seeing some tangible results.  There is hope indeed!

After another 10 days, I weighed myself again on the Wii Fit board and was even more delighted to find out that I’ve lost another 2.9 pounds. Sweet! Now, I feel more confident going to the beach!

I am not sharing these to you to brag but to help inspire you to keep on going for your goals and dreams no matter what they are.  I’ve tried a lot of ways to achieve the results I wanted…a lot of them failed.  But finally, one worked and my goal is now closer than I think.  I have no doubt in my mind that I will be able to get to 85kgs (187 pounds) in no time flat.  In fact, I am now re-setting my weight goal to now target 80 kgs by December 31, 2011 instead.  My wish is that you achieve your fitness goals too.

If you are also trying to lose weight (and has seen limited success so far), this may be for you.  Unfortunately, you cannot get the Nutrimeal from grocery stores or even at any retail stores like Health Options.   If you want to find out how you too can get it, you can simply email me. No, this is nothing illegal or unsafe so don’t worry.  I am no drug dealer, alright.

Financial Goal #3 – Go somewhere I’ve never been to every quarter.

This is one area I’m struggling with.  Both because I’m always very busy at work and also for personal reasons I want to keep private for now.  In any case, this is still one of my most cherished goals.

Recently, my wife and I spent a nice weekend getaway in Tagaytay.  But that doesn’t count, because I’ve been to Tagaytay before.  In fact, our wedding a few years ago was held somewhere in Tagaytay.  So it’s a place close to my heart.

The reason I really want to travel is so that I can explore other places and meet other people, learn other culture and just be amazed.  Sometimes, with the very hectic schedule at work, and the many urgent deadlines, I feel the fast-paced lifestyle is draining my energy.  I long to find some time to just reconnect with nature…doing nothing, just relaxing.  That’s why I want to go somewhere I’ve never been to before.  To be surprised.  To be mesmerized.  To be refreshed.

It’s already April, so I better search for some place to visit fast!  Wish me luck!  Or better yet, if you know of a great place to visit that’s not too far from Metro Manila, feel free to mention it under the comment section below, so others will benefit too!

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Today, I’m delighted to announce the winner of Jack Canfield’s Hardcover Book – The Success Principles: How To Get From Where You Are To Where You Want To Be.  This is part of the Rich Money Habits Guide Contest I kicked-off during the launching of my Rich Money Habits Guide Ebook where 10 of the best business and personal finance books of all time are given away for FREE to the first 10 affiliates who are able to refer a successful sale of my ebook.

…and the winner of the first book is…Neil Arias!

Neil is the one on the left, and that’s me on the right, wearing a collared shirt with dark blue horizontal lines.

This picture was taken during our recent Cashflow 101 game last March 12, 2011.  During our conversation, I learned that Neil is also an IT professional like myself.  That’s why I think we get along very well.  He also attended Trace Trajano’s Think Rich Quick 2.0 seminar and I had the priviledge of listening to his thoughts and experience going through Trace Trajano’s Apprentice Challenge.  One thing I noticed about Neil is his determination and willingness to learn…that’s why I am very happy to give him this valuable hardcover book from my own collection.  I’m sure this book will help take him to “where he wants to be”, just like how the book’s title said it would.

Here’s the good news for you – there are still 9 more hardcopy books to be given away for FREE! Click here to find out how you can join the contest and get a chance to win one of the following best-selling business books of all time.

* All books above are actual hard copy version (6 HARDBOUND, 4 PAPERBACK) from my own book collection

Cheers to your financial success!

Allan

P.S. After my recent article about the 10 real-life tips from playing Cashflow 101 gameboard, I’ve received lots of emails from readers of this blog inquiring how they can join the next Cashflow 101 event this coming April.  Here’s the good news – the date is finally set to April 3, 2011, Sunday from 1 PM to 4 PM in the afternoon.  Click here for more details.  There’s only a very limited number of slots available so better reserve early so you don’t miss out.  There’s a minimal fee to cover the cost of the venue and some light snacks.  Avail of the early bird price of only PhP200 if you reserve on or before Thursday, March 31, 2011 at 7PM PST (Philippine Standard Time).  After that, the price will go up to PhP400.

P.P.S. Bo Sanchez will be holding his How To Create Millions Through The Stock Market Seminar next Saturday, April 9, 2011 from 8:30AM – 12:00PM at St Francis Theatre, Lourdes School of Mandaluyong City.  Here’s the really great news — you can get a chance to win a FREE ticket to Bo Sanchez’ Stock Market Seminar if you join my Cashflow 101 Event this coming Sunday.  See you at the Cashflow 101 Event!

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One of the reasons this blog has become popular is because of the valuable lessons I’ve learned from enrolling through Jomar Hilario’s 1-Year Online Mentoring Club.  The results speak for itself…and it’s not just me.

To tell you the truth, you wouldn’t be reading this now if I am not 100% convinced that the Online Mentoring Club lessons actually work.

Now, here’s the good news…this month, Jomar Hilario is giving a favor to Bo Sanchez’s Truly Rich Club members by offering them the 1-Year Online Mentoring Club membership at 50% off until March 31,2011 (I know, I know it’s only 5 days left…that’s why I wished I announced this sooner.)  If you are able to sign-up on time, send me an email because I have some special gifts for you.

If you are not familiar with Bo Sanchez’ Truly Rich Club, you just need to answer these questions:
- Do you want to gain financial wealth and spiritual abundance at the same time?
- Do you want to get Bo Sanchez’s Financial talks in CD, DVD or downloads and get specific financial advise from Bo?
- Do you want to find out what specific stocks to invest in and taught on when to buy and when to sell?

If you’re saying yes, of course, then you can consider joining the Truly Rich Club.

Once you’re a Truly Rich Club member,  you can now avail of the 50% off of Jomar Hilario’s 1-Year Online Mentoring Club until March 31,2011 only.

See you at the club!

Cheers!
Allan

P.S.  That’s not all, if you manage to sign-up on or before March 31, you will get my Rich Money Habits Ebook Guide for FREE including all bonuses, and you will also get a special reserved slot in my next Cashflow 101 event this coming April.

P.P.S.  What are you waiting for?  Join the Truly Rich Club now and avail the 50% off discount of Jomar Hilario’s Online Mentoring Club!  I’ve only seen Jomar offer the 50% discount once or twice since I joined the club sometime in September 2009 so make sure you don’t pass up this incredible opportunity today.

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A couple of weeks ago, my wife and I played Cashflow 101 game board as a special bonus to the first 10 who bought my ebook guide Rich Money Habits – 8 Ways To Shift Your Money Habits and Be Rich. I was excited because I haven’t done anything like this before in my life.  I first learned about the Cashflow 101 boardgame around 2005 when I read Rich Dad Poor Dad book of Robert Kiyosaki.  Ever since reading the book and finding out about the boardgame, I had a yearning to play Casflow 101.  The only problem — the boardgame costs quite a bit, around PhP 10,000.  And being a struggling employee facing credit card debts, I didn’t have that amount of money then.

One day, while reading through the Entreprenuer’s forum, I learned that someone is holding cashflow 101 games at AIM Makati City.  Even though the price is quite expensive (at that time) at PhP 800 for a 4-hr workshop, I grabbed the opportunity right away.  I enjoyed the game so much I played again (and paid another PhP 800).  It was a real learning experience, realizing that there’s a different world of money out there I’ve never recognized before.

When I went to the US a year after, buying a Cashflow 101 board game for myself was one of my main goals.  So when I got back from my 6-month stint in the US, I didn’t hesitate to buy the game and bring it home with me to the Philippines.  I immediately played the game with my family and friends.  Everytime I play, I learn something new —  how to analyze a deal, how the cash flows for every event that happens in your life, etc.  The most important realization I got was recognizing my own attitude about money.  Am I generally conservative?  Or agressive? Am I the type who goes into debt and takes advantage of the power of leverage? Or am I contented just watching other players enjoying making deals left and right while I am still afraid to take advantage of the small deals even though it is only play money.

It’s been months since the last time I played Cashflow 101 game. While playing the game this time around, there were many real-life lessons that came flashing through my mind that I wanted to share with you.

Here are the top 10 real-life tips I’ve re-learned while playing Cashflow 101 again.

1) Having a High Income Does Not Mean You Are Wealthy

One of the players had a profession of a doctor.  He had a hard time getting out of the rat race because of the high expense.  He had to be really be creative and financially savvy to generate a lot of cashflow to cover the high expense.  Contrary to popular belief, high income doesn’t necessarily mean you are wealthy.  Even with your high income, a high expense will leave you little cashflow (aka Paycheck) at the end of the month. Unless you turn that casfhlow into income producing assets, you will have a hard time getting out of the rat race.   What does it mean?  You need to manage your expenses and be creative if you want to achieve financial freedom.  You cannot rely only with your high income.

2) Being Creative Is More Important Than Being Knowledgable

In real-life, what you know is only potential asset unless you apply it.  And the only way to apply what you know is by being creative in using the knowledge that you have to find solutions to other people’s problems.  Getting into good debts to buy a real-estate property can be a good strategy, provided you know how to manage that property so it gives you extra cash at the end of the month.  For that to work, you need to understand your market, your cash flow and equip yourself with the necessary financial intelligence to make the deal work.  Good deals are everywhere.  However, those with creative minds have an easier time recognizing those deals because they invested the time to learn to spot those deals.  To be creative, you need time and effort.  Time to feed your mind data to recognize good deals from bad, and effort to battle through the emotional learning to make it work.

3)  You Can Be An Ordinary Teacher and Beat A Doctor From Getting Out of the Rat Race.

Sometimes, having a lower income can be an advantage, provided you also have lower expenses.  And because you have lower expenses, the less passive income you need to generate to get out of the rat race.  In real life, this is easier said than done.  One because, sometimes, even with the low income, the expenses are even higher.  You end up borrowing money from other people just to pay for the food you eat.  Other times, you are discouraged with living each day from paycheck to paycheck.  If you play the cashflow 101 boardgame, realizing this important lesson will give you hope.  If only you know how to manage what you have, you have the power to get out the rat race sooner than you think.

4) Be Careful What You Focus On

What you focus on expands.  If you focus on problems, you will see problems.  If you focus on opportunities, you will see opportunitites.  In playing Cashflow 101 board game, there’s a trap that a lot of beginners frequently fall into — i.e. focusing on your paycheck.   When you receive your paycheck, you glee in delight as you bring your token over the yellow cell.  As you accumulate more and more money, however, you begin to hunger for more opportunities instead, to the point where you no longer want to fall into a yellow cell (paycheck)…You now want to land on an opportunity everytime! When this happens, celebrate because you have just started to shift one of your core money habits. You are now focusing on opportunities and going beyong just receiving a monthly paycheck.  You are no longer a slave of the 15th or 30th days of the month.  Now, you are looking for small deals and big deals so you can build those assets that produces income.  Keep it up and soon financial freedom will be yours.

5) Every Event In Your Life Impacts Your Cash Flow

Lose your job.  Have a baby.  Go on a shopping spree.  Buy an opportunity.  Donate to charities.  They all impact your cash flow.  They either add in to your expenses, or to your income.   However, they don’t have to stop you from building your asset and minimizing your liabilities.  You still have the power to determine how it impacts you.  At the start, I pulled up a doodad card where I had to pay more than what I have in savings.  I had to borrow money from the bank just to pay for the “vacation”.  When you get in this situation during a game, it’s a bit discouraging because you don’t have any money left and you don’t have anything to invest.  You have to wait for your next paycheck to get back into the game.  The reality is that a lot of people live this kind of lifestyle in real-life but they don’t have a clue that one false move (a.k.a. losing your job) can lead them into financial disaster.

6) The More You Play The Game of Money, The More You Recognize Opportunities Around You

I’ve played the game many times, and because I’ve read and re-read the cards on deck, I know what small deals and big deal opportunity cards are out there.  I know what’s possible in terms of market going frenzy over houses, stocks or businesses.  I do believe the same applies to real-life.  The more you learn about what’s possible, the more you are able to expand your consciousness and focus on those opportunities.  By taking advantage of those opportunities, you give your self a chance to gain your own financial freedom.

7) Take Action and Take Advantage of Opportunities 

Watching others make a move doesn’t do you any good.  Take action.  No matter how small.  Each baby step is a giant leap to your dreams.  You never know when the next wave is going to hit and carry you to your goals.  I’ve played the game since 2005, and yet I am still learning.  The only reason I learned what I know is by taking advantage of the opportunities that life gives me.  I don’t always make money, sometimes I even lose some.  But the more I go through all those experience, the more I gain the confidence to move forward.

Luck Favors the Prepared Mind 

Opportunities are flashing before your eyes every second of every day.  You only need to train your mind to see those opportunites.  The reality is that it takes time to build your mindset to see those opportunities.  It took me years to finally see that earning money aside from your job is indeed possible.  But without the constant exposure to financial lessons, I doubt if I even had the courage to start the Rich Money Habits blog.

9)  Money Attracts Its Own Kind

Even the smallest passive income can turn into big amount if you put your heart and soul into it.  In reality, there’s only one asset you actually have – YOU.  You are the asset.  You determine whether something becomes an asset or a liability.  A perfectly viable business like Mang Inasal can be profitable if the owner knows how to turn it into an asset.  If the same asset is transferred to someone who doesn’t know how to manage a food business, and doesn’t have an inkling of an experience running a business even as small as a food cart, the same asset can turn into a liability.

10) YOU are the asset

Even the smallest passive income can turn into big amount if you put your heart and soul into it.  In reality, there’s only one asset you actuall have – YOU.  You are the asset.  You determine whether something becomes an asset or a liability.  A liability can turn into an asset, and vice-versa.  A perfectly viable business like Mang Inasal can be profitable if the owner like Edgar Siap knows how to turn it into an asset.  If the same asset is transferred to someone else who doesn’t know how to manage a food business, and doesn’t have an inkling of an experience running a business even as small as a food cart, the same asset can turn into a liability.

Keep on dreaming. Keep on learning. Keep on Believing.

Cheers!

Allan

P.S. If you’re searching for ways to practice what you learned in Cashflow 101 in real-life, CLICK HERE to email me.

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I’ve wondered a few times whether I’d share this information to you or not.  I hesitate because the topic of earning money online invoke different emotions from different people.  One of my main goals in this blog is to be as transparent as possible but my fear of being taken negatively is getting in the way.  Today, I’m taking a leap of faith to share with you what I learned trying to earn income from Google adsense and launching an ebook to help inspire you in your own financial journey.

Google Adsense

Last week, I was able to finally claim my very first $100 Google Adsense earnings.   That’s after 1 year and 5 months.  The $100 minimum threshold was actually reached by the end of January but Google takes another month to compile everything to have the necessary payment issued.  Here’s a picture of the payment.

While trying find the yellow receive money form of Western Union, I was surprised at first because the form was a bit different that what I expected.  It’s now smaller than what it was previously.  I filled-up the new form anyway and gave it to the Western Union agent.  In less than 3 minutes, my money was handed out to me in cash.  Hassle free.  Of course, I had to bring two IDs (my driver’s license and employee ID) for identification purposes as well as print out the payment details in my Google Adsense admin page but that’s pretty much it.

Why am I sharing this to you?  Simple.  It took me 1 year and 5 months to earn $100.  Hardly exciting.  But when you think about it, this is purely passive income.  I didn’t have to create or ship any product, hire employees or even actually sell anything.  All I did is copy-and-paste an html code provided by Google upon signing-up for FREE to automatically generate Google ads.  Whenever someone “clicks” on those ads, I get an income paid by the advertisers of those ads. Google tracks and manages every part of the process.  All I do is copy-and-paste the code once and forget about it.  After reaching the threshold, I received the $100.60 amount from Google. It’s a relatively small amount, but being able to earn it passively is mind bloggling.

How it all started…

A few years ago while still working as an Overseas Filipino Worker (OFW) in Malaysia, I started writing about my thoughts on money and investing and published them here at Rich Money Habits (you can check out my old articles at the archives section).  In March 2009, I got interested in the potential of making money online and tried putting Google adsense ads into this site.  After 8 months, my Google adsense earned me a whopping total of $1.08. 

For some this was a very very small amount.  And it is!  That’s just enough to buy a small burger.  But one thing that got stuck in my mind from earning that small amount is the realization that I can actually earn money online — it is indeed possible!  That helped inspire me to try to learn about how to do it more effectively.

I really didn’t know much about Internet Marketing then, so when I found out from attending Bo Sanchez’ Financial Coaching Seminar that Jomar Hilario is offering an Online Internet Marketing Mentoring program, I grabbed the opportunity right away.  From Jomar’s Online Mentoring program, I learned that you can display the Google ads in a certain way to maximize your Google earnings.  I did apply some of it and noticed my Google earnings start to grow.  It really suprised me because after a month of applying those lessons, I now earned $6.10! Still not that huge, but it is now more than 5 times what I earned in 8 months figuring it out by myself.

This could have been higher if I bombarded this blog with Google adsense to the point where you cannot read the articles anymore, but as I mentioned in one of my previous articles, I decided early on that Google ads will not be the main focus of this blog.  For as good as the “passive income”sounds, there are still some things that are worth more — that is helping you read through the articles without disctractions, so you can focus and absorb the money and investing tips better.

Rich Money Habits Guide Ebook

Last February 17, I launched my very first ebook guide Rich Money Habits – 8 Ways To Shift Your Money Habits and Be Rich.  Because it was my first time to publish a paid product, I didn’t know what to expect.

What if no one buys?  Am I asking for too much?  What will other people say?  I had all these fears and the more I thought about it, the more I realized that these ideas are only in my mind…they reflected my own internal struggles that I had to battle through.  I had to refocus my attention away from my own fears.

There was only one question I had to answer — “will this help other people?”  My short answer was a definite YES!  And because I created the product from beginning to end and applied the same ideas myself, I know how valuable it is.  But I still didn’t trust myself enough.  I had to go and ask other people, specifically those who have read the same information through my newsletter…and the feedback was overwhelmingly positive.  It was enough to give me the courage to actually launch the ebook.

Launching the ebook was my own little experiment.  And it’s aligned with one of my goals this year to earn $100 monthly income passively from at least 3 income streams.  I wanted to share with you the results (so far) not to brag, because there’s nothing to brag about, but to help inspire you to take your own journey as well.  Here it is.

Total guides sold: 15

Total sales: $118.38 USD

Affiliate share: $8.97 USD

I am not a best-selling author and I don’t claim to be one.  I am just like you, an ordinary person still working full time as an employee looking for ways to bring value to other people and earn income without having to spend so much of my time…because in reality the bulk of my time is still being consumed by my full-time job.

5 Surprising Things I Learned from Launching My Ebook

1) Comparing Ebook Earnings vs Google Adsense Earnings.  The $100 amount was reached in just a week after it was launched.  For a moment, I realized the same result ($100) was achieved a lot faster compared to Google adsense!  1 week vs 1 year and 4 months!  It’s hardly a comparison.  Of course, Google adsense pays only in cents while the ebook is priced at $9.95 initially.

2) The value of launch.  As expected, the bulk of the sales (80%) was made on the launch day itself and continuing on to the next day.  After that, the sales began to taper off in the next few days.  Now, it’s 1 guide sold every other day.  Which is not disappointing considering that this is now purely passive income.  I don’t have to do anything anymore.  Everything is being taken cared of by e-junkie, my shopping cart provider.

3) Being true to your customers. One buyer sent me an email asking when will the book delivered.  After receiving the email, I was surprised.  Suffice it to say, I didn’t expect it and was confused at first.  One, because I was selling an ebook, not a hard copy version.  And two, because I was totally clueless that the book description was misleading people.  I checked my site again and realized that there’s actually no specific mention that the guide is sold as electronic copy only (i.e. ebook) and there’s no paper-based actual hard copy to be delivered.  After calling the buyer, I figured out the miscommunication right away and promised to fix the problem.  Unfortunately, I couldn’t ship a hard copy book to the buyer so I decided to do the next best thing.  First, I decided to refund the payment immediately.  Also, I gave away the ebook, including the bonuses to the buyer for FREE to help compensate for the inconvenience.  Last and more importantly, I had to go and modify the description of the Rich Money Habits package to say that the buyer will get an ebook, not an actual hard copy paper-based book to prevent other people from facing the same problem.

4) Facing your fears by taking action.  One surprising thing I learned from the whole experience is that — “your fears are not as scary as you might think.”  My fears didn’t materialize.  Someone actually bought my ebook.  That alone gave me the confidence to think that this could actually work.

5) All the support that you need is nearer than you think. Some of my friends were delighted when they learned that Bo Sanchez wrote the Foreword to my ebook.  The reality is that Bo Sanchez wasn’t even paid to write the Foreword.  And I didn’t even have to meet him in person to make the request.  One night, while thinking who should write the Foreword for my ebook, I asked myself this question — “if there’s one person in this world that you look up to and would like to write the foreword to your ebook, who would it be”.  There’s only one person that came into my mind — Bo Sanchez.   I learned a lot from Bo Sanchez so to have him write the Foreword would really be the greatest thing in the world for me — a seemingly impossible dream at that time.  I hesitated because I felt my own insecurities cropping through my mind.  Thoughts like “who am I that Bo Sanchez would take the time to write to foreword of this ebook?”was making my own personal doubts stronger.  But I started writing the email anyway…and at the last second, I closed my eyes and took a leap of faith by clicking the send button.  The next day at 9AM in the morning, I got the surprise of my life.  Not only did Bo Sanchez read and replied to my email — he even wrote the Foreword and included it in his email reply right away, no questions asked!  Wow!  To say I was happy is an understatement.  I was wearing a very wide smile the whole day! 

Throughout this journey of trying to learn to earn income through the internet, I’ve met a lot of interesting people and learned a lot along the way.  But my journey is only just beginning.  I am still a long way from financial freedom…but I’d like to think I am inching towards my goal each and every day.  My wish is that this article help inspire you in your own financial journey.

Cheers to your financial success!

Recently, I received this very interesting email from a reader of this blog.  While reading through it, I realized you may also be facing the same questions, doubts and fears, so I decided to share her questions (with her permission, of course) and my answers with you so you can benefit from it as well.

Sir,

Good day! I’m Jane Doe (obviously not her real name…I changed it to protect her privacy), 27, working as an accounting staff for a Pharmaceutical Company.

I have heard alot about investing and I have always wanted to give it a try. It’s just that I’m still a bit scared. It’s not as if I have tons of money to just invest on something Im not 100% sure of. I would like to earn more before I start..

Where do I start Sir? Can you give me suggestions? Do I have to join the TrulyRichClub of Mr.Bo Sanchez to know everything I have to know? Won’t I be able to make it good without joining the club? Because honestly, I’m thinking of how much I would save from the monthly membership fee. I am not rich, I would love to be though, it’s the very reason I work hard each day for me and my family.

I really hope you can give me an idea on where I should start..

Thank you so much..

Jane Doe

Here’s my response to Jane’s questions:

Hi Jane,

I really admire your enthusiasm and your willingness to learn to start investing in spite of your doubts and fears.

And I totally agree with you. It can be scary sometimes especially if you’re starting on something you’ve never done before. What if you lose the money? What if you make a mistake? What will others say about you? How do you get started?  All these are valid concerns and definitely worth noting.

To tell you the truth, I still feel the same fears whenever I start something new. What keeps me going is the belief that in the end, everything will turn out alright.

1) Where do I start?

For a moment, a list of suggestions went through my head in a flash…until I re-read your question and noticed this — “…I would like to earn more before I start.” It made me re-think my assumptions…and realized, perhaps you already know the answer to your own question. You just need a little bit of encouragement.

It goes without saying that everybody starts out from different places. And for illustration purposes, I assume your work as an accountant is your major source of income. And you have at least a few good ideas on how you can save money by reducing your expenses or increasing your income. If that’s the case, then here are some simple ideas that may help you get started by utilizing that extra money you save each month.

1) Payoff your debts (if you have any). If you have debts, try to pay it off as soon as possible. There are different kinds of debts both good and bad, which is an entirely different discussion. But if you’re just starting out, all debts are very risky and can turn into really bad debts. So for now, just avoid any debts while you’re still trying to learn to manage your own money.

2) Save for emergency fund. If you have not saved for emergency fund yet, start saving for an amount equal to at least 3 to 6 times your monthly salary. Why 6 months? The idea is that if you lose your job or your only stream of income, it will normally take you around 6 months at the most to find another job. Your emergency fund will NOT make you rich but it will feed you and your family if something unexpected happens, like losing your job. Never use your emergency fund for investing. Just save it in a bank so you can withdraw it quickly in case of emergency.

3) Start investing, but take it one baby step at a time. Once you’ve saved for emergency fund, don’t stop. Continue saving. But now, put you savings into your investing account instead of your emergency fund. This money will only be used for investing. Learn how to invest effectively. The key is to invest only up to the amount you’re (almost) comfortable with. I say almost because if you are only investing in what you are comfortable with, you miss the opportunity to expand yourself to learn not only intellectually but emotionally as well.

It is really important to start with a good strong foundation by learning to manage your own money. The sooner you save, the more money you can use to pay off debts and save emergency fund, and the sooner you will have money to invest.

2) It’s not as if I have tons of money to just invest on something Im not 100% sure of.

This is a 2 part question — 1) not enough money and 2) not 100% sure

For the first one on not having enough money, I would say we all start somewhere. The important thing is to manage what you currently have and every income that comes to you and pass through your hands. Learn how to better manage your money. Even Henry Sy had to make do with selling shoes in a small retail store in the beginning.  I also don’t have a ton of money to invest. But I take action because I know that’s the only way I will be able to learn how to invest…and every lesson I learn will pay off big in the long run.

For the second part on not being 100% sure, the reality is that you can never be 100% sure. Even your savings account is not 100% risk free. You can only claim for up to the amount insured by the PDIC which is PhP 500,000.  Of course, if you saved less than PhP 500,000, you will still be able to get your money (after going through a tedious process). But imagine for a moment that you saved PhP 600,000. You will lose the PhP100,000 if your bank folds up. It’s not millions but it’s definitely money you cannot just throw away. It is already a BIG money for a lot of people.

The first investment my wife and I invested in is on RTBs (Retail Treasury Bonds). There’s a reason why we chose RTBs instead of stocks or real-estate. We were afraid. And we thought RTBs was the next financial instrument with the least amount of risk involved, next to savings accounts. Retail Treasury Bonds are debt papers issued by the government. In simplest of terms, it’s the government’s way of borrowing money from you. When you buy RTBs, you are essentially lending money to the Philippine government. The gov’t has to pay you the interest (quarterly) for the duration of the term specified in the bonds (e.g. 7% per year in 7 years). As you might have noticed, the interest is not that big, but it is certainly better than your savings accounts in your bank which gives less than 1%. More than the passive income we got from investing in RTBs, the really important benefit is gaining the confidence after actually investing our hard earned money. When you actually do something, you not only learn in your mind, but with your emotions as well and the experience gives you a more powerful belief that you can actually do it, something you cannot get from just reading a book.

If you’re interested in investing on RTBs, you can ask your bank’s local branch. I read in the newspaper that the gov’t issued RTBs just this week and the 10-year tenor bonds fetch around 7.37%. RTBs usually run out fast, and may already be gone after 1 or 2 weeks.  So if you’re really interested, you need to act fast.

3) Do I have to join the Truly Rich Club of Mr. Bo Sanchez to know everything I have to know?

The short answer is no. I do believe joining the truly rich club is a great help (because it helped me), but you certainly don’t have to join if your savings doesn’t allow it at the moment. You certainly don’t want to get into debts just to join the truly rich club. The thing is, you can actually get the same financial lessons for FREE if you attend the Feast by Bo Sanchez every Sunday at the PICC. In the weekly Feast this month of February, Bo has discussed about making more money, investing in your 10% and multiplying your 20%. Last Sunday, he also gave a talk about managing your 70%. These are financial lessons that will go a long way in helping you in your financial journey…and it’s FREE.

Lastly, you have to do something to actually learn. In one of Bo’s talks, he mentioned about allowing yourself to be exposed to the same ideas over and over again, until you are moved to take action. The important part is to take action. For only when you take action will true learning begins. It doesn’t matter how many books you’ve read or financial seminars you’ve attended, the fear will always be there. And the only way to beat that fear is to take action. Push your boundaries bit by bit, until you expand yourself to become comfortable into your new situation.

Hope the above ideas help you in your financial journey.

God bless you!

Best Regards,

Allan

While the above tips may seem simple at first, they are nevertheless very valuable lessons that will help you lay a good foundation for your financial journey.  Before you can run, you need to start walking, Before you can walk, you need to start crawling.  Like a little child taking its first step you may fail many times in the beginning.  But once you start learning and applying what you learned, you will soon be running around all they long, so happy with the many places your dreams have taken you to.

Dear Readers, what are your greatest doubts and fears in starting your journey to financial freedom?   How were you able to overcome them?

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