Wondering What to Do with Your Christmas Bonus?

You could hear it playing from a distance, “Kaya’t ibigay mo na ang aming Christmas bonus… pati na ang 13th-month pay para okay na okay! (So give us our Christmas bonus… and also the 13th-month pay so it’s going to be okay!)”

But receiving additional income may not mean “okay na okay” if not managed well.

I suggest you look at the example of Jack…

Jack is a young professional, single, and is receiving P9,000 every payday. He is frugal and knows how to save so he is able to accumulate P20,000 in his savings account. He calls it his emergency fund. But he aims to make it higher because his monthly expenses amount to P15,000 and experts say that you need to have at least 3-6 months’ worth of your monthly expenses as your emergency fund. Hence, he needs to have P45,000-P90,000 for this purpose.

“I still have a long way to go,” he said to himself.

In terms of managing his finances, he is much better than his colleagues. He is consistent with his practice of setting aside an amount immediately upon receiving his income.

Every time he receives a notice from the HR department that his salary has been transferred to his account, he immediately opens his account online, transfers 20% of which to another account that he opened for the purpose of saving up an emergency fund.

But he is concerned because, despite his habit of saving up, his emergency fund only stays up to P20,000. He noticed that every time his account reaches the said amount, he would unconsciously look for an item to buy or spend on. He would either buy a new pair of shoes or book a plane ticket somewhere.

One afternoon, in one of his visits to the bookstore, he came across a financial book by Bo Sanchez that mentioned ‘psychological wallet’. As he read it, he realized that he had a relatively small psychological wallet. It is only of the size of P20,000 that is why he unconsciously tells himself that the P20,000 is enough even if he needed and was targeting a higher amount.

He had to increase the size of his psychological wallet to match his needs. He learned that in this world, we don’t receive what we deserve but we receive what we think we deserve. That kind of restates the concept of psychological wallet. It made so much sense to him. He continues to take action to increase his psychological waller through his learnings from Bo’s Truly Rich Club.

One day, he saw a poster of the seminar “How to Make Millions in the Stock Market by Bo Sanchez.” Because of the impact he had from the same great man, he signed up for it and attended.

At that event, he learned so much and his eyes were opened to the world of investing in the stock market. He realized that, since he is employed as an accountant, he doesn’t have time to monitor the market and do quick trades. What he could do is to be a long-term investor with a bit of being active, that is, buying great companies following the cost-averaging method, but also switching some companies when certain stocks hit their target prices and being mindful of their buy-below prices. He learned all these in that seminar. If you would ask him to explain it to you, he would explain it well even to a high school student.

He started investing. He continued saving up.

Today, he has grown his emergency fund and his investments in the stock market. Not only that, he has learned more about personal finance including having the right protection or insurance.

This year, as he receives his 13th-month pay, the allocation is already set to be as follows:

  • 10% for his donation to his church (buti pa sya, he embraced tithing)
  • 30% to be added to his stock market investment
  • 20% will be added for his learning fund
  • 40% will be allotted for the additional expenses he expects for the Christmas holidays (family get-togethers and gifts)

When Jack told me his story years ago, I was inspired.

That moved me to also learn more, grow more, and invest more.

I also met Bo Sanchez in the process and have received so much wisdom, guidance, and practical advice. I still have a long way to go. But I’m thankful that I’ve grown so much compared to my younger self.

I invite you to follow the example of Jack.

Bo Sanchez is giving the How To Make Millions In The Stock Market seminar online via Zoom Meeting on December 4, 2021 – 8:30AM to 5PM. I encourage you to join.

Here is a note from Bo Sanchez:

My Maids Did It; Now, It’s Your Turn…

85% Of People Lose Money In The Stock Market
(Be Part Of The 15% Who Earn Money.)

Join Bo Sanchez’
How To Make Millions In The Stock Market

LIVE via Zoom Meeting on December 04, 2021 – 8:30AM to 5PM
Limited slots only. Register now.

“Are you worried about your future?

Do you fear that you will not have enough money for yourself and your family when you grow old?

Tell you what, this worry and fear of yours is very real.

I lead a ministry for the abandoned elderly called Anawim for 27 years now. We pick up old people from the streets and house them. All of them had jobs before, and they were earning money. But why did they end up begging in the streets? Because they did not know how to save and invest.

This is the story of not just the elderly in Anawim but of so many Filipinos.

You’ve got to learn how to invest. If you do not know how, then you have to be really worried because at the end of your life, you will have nothing for your own life and for the people that you love.

I want to share the solution to you.

On December 04, I will be giving a webinar titled “How to Make Millions in the Stock Market” via ZOOM from 8:30 AM to 5PM. This seminar has helped thousands and thousands of people achieve financial freedom.

Now, it’s your turn!

Just FYI, this is not a get-rich-quick scheme. Over time, as you learn the system, you will be able to grow and achieve your financial goals, and you will be able to help a lot of people.

If you want to become a multi-millionaire over time, come and join us!

Click that link below and reserve your spot now!”

May your dreams come true,
Bo Sanchez

Get a 10% discount by using this coupon code: TRC22772AFF

PS. Sorry, this isn’t a quick-rich scheme. I’m going to teach you how to be wealthy over time. Take advantage of our early bird rate today for only PHP1,497 (Regular price is PHP3,000).

But wait, if you sign up using the link below, you can still avail of an additional 10% discount.

You just have to apply this COUPON CODE upon checkout: TRC22772AFF

Click the link below and remember to use the coupon code above.

Remember this 10% discount coupon code: TRC22772AFF

Rejoice Always! Really?!

Rejoice! Give Thanks In All Circumstances…

On December 13, 2020, I was set to give an advent talk to the members of a Catholic community. I have prepared my presentation but I was still not fully settled for my opening lines.

But that morning, while I was going through the readings of the day, I came across this verse, “Brothers and sisters: Rejoice always. In all circumstances give thanks, for this is the will of God for you in Christ (1 Thess 5:16-18).”

I said to myself, “Wow! What a powerful statement. Let me use that in my talk later.”

And so I did.

But in my sharing with them, I didn’t give a theological explanation to that verse. I am not a theologian after all. I am simply a Catholic faithful who many times fail and falter.

As I shared that verse, I also shared my questions.

I asked, “But how do we rejoice in the midst of struggles? How do we give thanks amidst struggles?”

It’s difficult, right? You might be nodding your head right now.

It is difficult to say “Thank you, Lord” when we are facing difficulties.

For me, as I young boy, I’ve been asking these questions.

“Why are we struggling?”

“Why are we poor?”

If you were one of my childhood friends, you would know that I would walk to school with my worn-out slippers.

I would embrace my hungry tummy every recess time because I had no money to buy some snacks. If my classmates would say, “My favorite subject is recess,” I couldn’t relate. My gut feeling would not get it. I had to use my intellect to understand that statement.

While the other kids in the neighborhood would spend their weekends running and playing around, I would have to go with my parents and siblings to the farm to harvest palay, till the soil, or plant rice. And so, I would enjoy those few weekends all-out playing when the works in the rice fields were done, which rarely happened because the truth is that farm works are never done. People would comment that we were hardworking. I’d say, “Maybe, we were. It was a choice with no other option. We had to or we would starve.”

I had experienced challenging days.

I had my own share of problems, challenges, and frustrations.

For sure, you also had your tough and tougher days.

And with the Covid-19 pandemic, we have been challenged. We are being challenged.

Going out and going around were restricted. More and more people were getting sick. People were losing their jobs while others are closing businesses.

We were forced to adjust, to shift, to pivot.

Amidst all this sad news, it is also during these times when there are new discoveries in the field of science and health, there are new jobs and new ways of doing business.

Do you see them?

Do you recognize the blessing?

What is one struggle that you had and how did you overcome it? Big or small.

Yes, ponder on these questions.

As you do, you will realize that in the midst of struggles, you can still rejoice. In the presence of difficulties, you can still give thanks.

In fact, our rejoicing and thanksgiving are even more amplified when there are struggles. Because with them, we can appreciate more how blessed we are.

Do you agree with this?

To you, what gift have you received during this pandemic?

Share it in the comments.

3 things that struck me in Romans 1:1-7

You are called!

Three things that struck me about the first seven verses of St. Paul’s letter to the Romans (1:1-7):


– Paul, a servant of Jesus Christ (v1)

– an apostle, called and set apart for God’s Good News (v1); {he encountered Jesus on the road to Damascus; in his time, gospel signifies good news which means victory; [Jesus’ victory]}


– Jesus Christ (v1), the Son, born in the flesh, a descendant of David (v3), the Son of God (v4); {the Son of God, made man, to share our condition, who died and resurrected; through him, we received grace and mission for people to accept the faith}

– God [the Father, Son, and Holy Spirit] (v1, v4, v7)


– (God’s Good News) the very promises he foretold through his prophets in the sacred Scriptures (v2)

– regarding his (God’s) son, who was born in the flesh a descendant of David (v3) and has been recognized as the Son of God, endowed with Power, upon rising from the dead, through the Holy Spirit. (v4)

– Through him, Jesus Christ, our Lord, and for the sake of his name, we received grace, and mission in all the nations, for them to accept the faith. (v5)

– You are elected of Christ, you are part of them [the nations, to accept the faith] (v6, 5)

– You are beloved of God, called to be holy (v6)

– May God our Father, and the Lord Jesus Christ, give you grace and peace. (v7)


Father God, help me.

to understand who I am

to understand who You are

and to understand what I need to do.

Fill me with Your grace. In Jesus’ name. Amen.


How to Write a Book FAQs with a Book Writing Coach

Do you want to write a book but don’t know where to begin?

Maybe you are asking these same questions I asked often.

Here are some of them:

1. What did you do before becoming an author?

2. What are the struggles that you faced?

3. What is your reason for writing books?

4. What can I write about? How can I choose my topic?

5. What is the minimum/maximum number of words for a book?

6. What does it mean by traditional publishing? Self-publishing?

7. How can I write a novel?

8. How about proofreading/editing?

9. How can I look for publishers?

10. What is the common mistake that aspiring authors make?

I answered these questions in this video: https://youtu.be/MFxvpO4KM9s

Here’s the link mentioned in the video: http://bit.ly/reachmorereaderschallenge

How Can I Sell More Books?

Some years back, times were tough(er).

Projects were down and sales were low.

I still thank God because I could eat three meals a day and pay for the basics.

But my insurance premium was due and I had no extra money to pay it. I was already thinking of just letting it lapse. But that would be a problem. I said, “I’ll just think about it later.” Not a really good strategy.

One day, someone asked me to help his group. “There was a bit of misunderstanding. We need to come together again, reunite for the mission, and do the work as one. Please come and speak to the group.”

I went and delivered the best piece the best way I could based on their context and circumstance.

After my talk, the one who invited me handed me an envelope and also told me a number.

I asked, “What’s that number?””Oh, that’s the number of copies they ordered. They are buying your book!”

I was smiling outside and crying inside because I did not expect that much of a sale on that occasion for that audience. But the total sales amount was more than enough to cover my insurance premium, and I even had some extra to cover other essentials on my list.

One thing is for sure – God’s grace was at work at that moment.

The second thing is that I was doing something that give value, that also moved them to decide and say, “I want your book.”

At that moment, I was reminded of the truth that you can sell copies of your book to people who need it and want it, and you don’t have to force them to get it.

You just have to offer it, but before you offer it, make sure you deliver real value that helps solve their problems and address their concerns.

I continued to learn more about how to sell more books and help more people.

If you are an author (or an aspiring author) and you want to reach more readers, I have prepared a FREE 5-Day full-value training called Reach More Readers Challenge to help you do just that — reach more readers and impact more lives.

This will kickstart on June 14, 2021 (8pm GMT+8).

To know more about this, go to http://bit.ly/reachmorereaderschallenge.

How to Write More in Less Time – Writing Sprints

Why do writing sprints?

With writing sprints, you can:

– write more. in less time

– silence your inner editor to prevent it from derailing your writing momentum

– develop the habit of focus and removing distractions

What is a writing sprint?

A writing sprint is focused and fast writing for a few minutes block of time. Find out how in this video: https://youtu.be/7kH4bDnEcTU

I mentioned a writing sprint background music. Here’s the link to it: https://youtu.be/AdCOEY8r6zc

Enjoy your writing sprints!

10 Powerful Practices to Help You Write Your Books

My first encounter with Bo Sanchez was when I saw his books at one of the local stores in Baguio City when I was in college. Even if I had no extra money to buy his book at that time, his books got my attention. I could still remember that moment when I was holding one of his books and just feeling the texture of the cover while reading what it says about the book and about the author.

Years later, when I was working in Makati, I met him in a seminar, bought two of his books and since then, I have been following him, listening to him, and observing him. Bo Sanchez is one of my huge influencers. He impacted my life so much including the way I write and how I approach book writing.

Here are the ten powerful practices I learned from Bo Sanchez about writing a book.

1. You are not writing a book, you are building a giant factory.

2. You need these three machines: message machine, media machine, money machine.

3. Do not just share knowledge (research, 2nd hand), share wisdom (transformation, 1st hand).

4. Always write from the heart.

5. Don’t just instruct, inspire.

6. Use stories. This is the language of the heart.

7. Create content quickly.

8. Write simply.

9. Always have a clear one big message.

10. Be a voracious learner.

I explained each of these in this video: https://youtu.be/RiLZkAR4UPw

May these ten powerful practices help you write your book.

Book Writing Is Not For You IF…

A young man approached his mentor and said, “I want to write a book. What should I do?”

The wise man asked him, “Why do you want to write a book?”

He replied, “I want to make money.”

His mentor looked far away, looked at him, and said, “You can make money as an author but if money is your only motivation, maybe this is not for you.”

Our motivations should be more than just money. Tough times will come in the process and the money motivation will not get you through it.

This and other reasons must be rectified and replaced.

Let me share with you two not-so-good reasons and two bad reasons for writing a book.

Not-So-Good Reason 1. To become famous only.

Not-So-Good Reason 2. To become wealthy only.

Bad Reason 1. To spread fake news or information.

Bad Reason 2. To propagate misleading propaganda.

(I explained these reasons in this video: https://youtu.be/elst1CupB2c)

If you try to mislead people to a dark pit, you are the first one who would fall into it. Well, in fact, you mislead people because you have fallen into it already.

So stay on guard. Be alert.

The enemy is lurking looking for ways to lure you.

You have to look away. Away from the wrong reasons.

And start focusing on the good and right reasons. With the right reasons, you will flourish. It may take time, but it will happen.

And the beautiful thing is this: If you go for the right reasons, oftentimes, it comes with side results: money and fame. But wealth and fame will not eat or poison you because your heart is in the right place. You will even use the money and the multitude to further your good cause for the greater good.

Let’s talk about the good and right reasons on the next video.

What You Should Know About Writing

When I was five years young, I met my first love…

Listen to the full story in this video as I talk about the four truths about writing: https://youtu.be/GfSZ_nVlqR0

I learned a lot, grew so much, and realized truths about life and about writing. Even before I became an author later in life, I understood that writing is a gift, a skill, a privilege, and a responsibility.

1. Writing is a gift. People say that I was given a talent, that I should use it, that I should share it. I did what I could. And I continue to share this gift of writing that was gifted to me.

2. Writing is a skill. While it could be a form of a natural talent, it is still largely a skill. You must develop it. You must learn the rules of writing and employ them as you write. That’s why a not-so-good writer like me could grow and become better in this craft. I have a lot of improving to do in this field.

3. Writing is a privilege. Not everyone is given the opportunity to write. Not everyone is given the platform to share a message. Not everyone is given the privilege of writing. Hence, if we are given this chance to write, we must treasure it. A platform has been served us, that’s why we need to serve in response. This brings us to the fourth truth.

4. Writing is a responsibility. Even before the rise of fake news and misleading propaganda, it was instilled in me that writing is a responsibility. Therefore, it has to be truthful. It is a big challenge but it’s the price that we pay if we are to write.

Remember all these as you go on and write.

And if you will observe a balance in these four truths about writing, you will better appreciate it, enjoy the process, and grow so much as you do it.

>> Full story here: https://youtu.be/GfSZ_nVlqR0 <<

How to Rise Above Your Circumstances w/ Pharisia Gail

In this video, I interviewed Ms. Pharisia Gail, author of the book Choose to Rise. We talked about the writing journey, the inspiration behind the book, and how to rise above your circumstances.

PHARISIA GAIL is also the author of Daily Dose of Sunshine: Notes to Help You Live Through Life’s Complexities. She founded SILEW which stands for Spreading Illumination and Love to Empower the World, a suicide prevention awareness group for the Cordilleras.

Watch the conversation here: https://youtu.be/8yCiMjgqFyk