KAYA MO PINOY 12 STEPS TO BUILD YOUR WEALTH ON ANY INCOME-YOUR COMPLETE GUIDE TO PERSONAL FINANCE...GRAB A COPY NOW

Ang "Kaya Mo, Pinoy! 12 Steps to Build Wealth on Any Income" ay ang praktikal na gabay ng ordinaryong Pinoy sa tamang paghawak at pagpalago ng pera. Ito ay gawa ng Pinoy para sa Pinoy.

Pinoy Smart Savers Learning Center’s first book publication is entitled “Kaya Mo,

Pinoy! 12 Steps to Build Wealth on Any Income” and authored by personal money

management coach and registered financial planner Alvin T. Tabañag.   The 288-page

book is written in plain English and Filipino and offers a lot of easy to follow tips and

strategies on how to save effectively, reduce expenses, manage debt, earn more,

protect your family from financial disasters, prepare for your children’s education,

plan for  a comfortable retirement, grow your money wisely and many more.  It

contains all the information ordinary Filipinos need to begin their journey towards

financial freedom and fulfill their dreams of a brighter and more secure future.

     "Practical at madali intindihin ang mga instructions… kumpleto ang sahog"

     "It feels like a friend.  This must-read book is concise… convenient & useful."

     "Para siyang tatay na lahat ng kailangan kong malaman e sinasabi."

     "Conveys so many lessons."

     "Masarap basahin… may sundot patawa lagi."

     "The book (OFWs) have been waiting for."
     "Truly inspiring!"

Inside are loads of practical tips and strategies on how to save effectively, reduce expenses, manage debt, earn more, protect your family from financial disasters, prepare for your children’s education, plan for a comfortable retirement, grow your money wisely at marami pang iba. It is the most complete book on personal finance for Pinoys and contains all the information you need to begin your journey towards financial freedom.

Kaya Mo Pinoy! 12 Steps to Build Wealth on Any Income”

1. Understand and overcome the obstacles to building wealth. It all starts with knowing what true wealth really means and changing your attitude towards wealth building. You have to break down those psychological barriers.

2. Know what you want and dream big. Successful people are dreamers. They know exactly what they want to achieve and they set high goals for themselves.

3. Find out where you are and what you have. If you are not aware of where you are, you will not know how to get to your destination. Having a good grasp of your present situation will help you identify what needs to be done to accomplish your goals.

4. Make saving a lifelong habit. Saving is the foundation on which you build your wealth. So it should be as regular as breathing.

5. Spend your money wisely. It’s not just about how much you earn but how much you spend and keep that will determine if you can achieve financial stability.

6. Get out and stay out of debt. Huge debts can cripple your financial health for life so it should be managed properly.

7. Find ways to earn more, to save more. Lack of income should not be a hindrance to becoming rich. There are many ways to boost your income at work or in your business.

8. Prepare for life’s financial challenges. Accidents, a major illness or untimely death can happen anytime and wreak havoc to your finances if you are not ready.

9. Plan for a hassle-free and comfortable retirement. If you can’t achieve wealth in your 40s and 50s, at the very least do something to retire in comfort.

10. Grow your money through smart investing.Saving is not enough. You should make your money work for you so you can reach your goals faster.

11. Take care of your health to enjoy your wealth. It may be a cliché but health is really wealth. An unhealthy lifestyle can cut short your life even before you can enjoy what you worked hard for.

12. Share your blessings and receive more riches. Grow richer by giving more to those who are truly in need.

If you still think it’s not possible to build wealth on any income then you are just making excuses. Just because you can’t or you won’t doesn’t mean it is impossible. If some people have done it then there’s no reason why you or anyone else can’t do it.

For braving the odds in the publication of this book and for your goal of sharing very important knowledge to the Filipinos, Pinoy Smart Savers truly deserve a commendation.”

- Sen. Manny Villar, Sipag at Tiyaga advocate 

“The book is excellent. It is the answer to 90% of Pinoys’ problems. The book is not only for those who are interested to learn but also for those who are eager to share its lessons to others who need it.”

- Julie R. Gandionco, Multi-awarded Entrepreneur & Founder, Julie’s Bakeshop

“This book is... a very practical and no-nonsense guide to personal financial planning & work ethic. I ardently recommend it for everyone.”

- Gov. Ayong Maliksi, Province of Cavite, Coop Capital of the Philippines

“Nakakatuwa ang libro mo, pang-Pinoy talaga! Para siyang tatay na lahat talaga ng kailangan kong malaman e sinasabi; nacover mo lahat ng thinking ng Pinoy. It is heaven sent. I am now lost in financial planning and I was praying to God for guidance and He showed me your book.”

- Ruschelle Ian Peña, Overseas Pinoy, Singapore

“Kaya mo, Pinoy! stresses the message of practical personal finance without stressing the reader. This is one of the best I've seen to help the masses have a street savvy, plain Taglish understanding of the financial planning world.”

- Henry Ong, RFP®, Chairman, Association of Registered Financial Planners of the Phils. 

“Practical at madali intindihin ang mga instructions… halos tumbok lahat ng mga nangyayari sa mga OFWs. Kumpleto ang sahog lalo na kung paano magtipid para sa kinabukasan. Malaki ang maitutulong nitong book sa mga OFW na karamihan ay nagugulat sa perang nahahawakan kumpara sa kinikita nung nasa Pinas pa ang trabaho. Excellent job!”

Alvin T. Tabañag is a personal money management coach and a Registered Financial Planner^®. He is a member of the RFP Institute and the Financial Planning Association (USA). He established Pinoy Smart Savers Learning Center to spread a culture of saving among Filipinos through practical financial education. Alvin regularly conducts seminars on money management to a broad range of audience; from low-income wage earners to middle-class workers, professionals and business owners.

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