I was just looking for originality - a new theory, or an alternative to known budg I was looking forward to a guide as promised by the cover page, like a step-by-step process containing reliable information and solutions obtained from experimentation.ДЁ0% of the book is comprised of insights and religious texts which could be applied to financial management. The rest are lessons which could be found on textbooks and online sites like Investopedia, Forbes, etc. 80% of the book is comprised of insights and religious texts which could be applied to financial management. And thanks to Chinkee Tan's My Ipon Diary I know I will succeed my own financial goals.I was looking forward to a guide as promised by the cover page, like a step-by-step process containing reliable information and solutions obtained from experimentation. But I somehow lose my way trapped in consumerism and luxury of comfort and lovely material things but now I am getting back on track. He taught me this valuable lesson early on.

Thanks to my father who is a very practical man and knows the importance of savings. I am not new on savings I am a believer in savings at a young age. So far I am happy with my capacity to endure and be disciplined to stay focus on my 52-week challenge. I am doing this for 8 weeks now straight and once the money is saved in the bank I do not touch it- the money stays in the bank until the specific purpose materialize meaning my savings for my daughter's 7th birthday will be cashed out on the year 2022. I save twice a month with a clear purpose of my daughter's tuition fee, emergency fund, home renovation, capital for business and 7th birthday celebration/travel. Personally weekly savings are not for me, I am more convenient on saving my money after I received my salary from work so I tweaked it on my personal comfort. Today I am more confident that I will be a successful iponaryo and my dream of becoming a Millionaire will materialize. I had listed down all my monthly expenses and found out that I can really let go of unnecessary expenses and get a boost on my savings if I let go of my unplanned family travels, expensive grab/taxi ride going to the office, unplanned going to the malls and eating out. I am becoming healthier and slowly reaching my ipon goals. I now eat less and commutes every morning. This made my ipon journey more purposeful because this made me healthier. By doing this I am saving a lot of money and obliged to walk and climb overpass and have my daily dose of morning exercise. I had let go of the expensive grab and taxi ride going to the office and been recently converted into a full-time public commuter.

I had let go of unnecessary expenses and decided to level up my savings. I am personally doing this on my own ipon journey. If you cannot let go of this family bonding Chinkee Tan recommends cutting it to twice to a month activity this way you can save PHP 24,000.00 yearly. For instance, did you know that you can save PHP 48,000.00 a year if you let go of Eating out with your Family Members? Assuming that you regularly eat out weekly with spending of PHP 1,000.00 you can save 48,000.00 a year. And calculates your savings if you let go of this want spending. He reasons out that you should monitor and think about how you spend your money. If you are a regular person and been brought up without any knowledge of financial responsibility and financial discipline and you were never taught in school or at your home the importance of savings and spending consciously you will become an average income earner without savings or sadly poorer from debts of credit cards and loans. Chinkee Tan shares the secret of wealthy Tsinoy mentality 'Una paraan ay hindi dapat dagdag kita dapat bawas gastos! Kahit laki kita pero laki gastos, wala tira! ' In the pure text, it is very simple but very hard to follow. One of my favorite chapters in this book is Chapter 6 ' Paano Makakatipid ng PHP 100,000.00 at Maging isang 'petmalu' iponaryo discusses the importance of spending less, spending consciously and spending only what you need and minimize want spending.

Chinkee tan books