Kung pagod ka nang makaramdam na parang kulang na kulang ‘yung pera mo kahit okay naman ‘yung income mo…

Kung sukang suka ka na sa pagba-budget at pagtitipid sa sarili mo…

Kung mahilig kang mag-online shopping pero gusto mo pa ring maka-ipon…

This could be the most important letter you will ever read this year about saving money.

Basahin mo ‘tong letter na ‘to. I will show you a smart way to save money without sacrificing the things you love.

Trabaho ka ng trabaho every single day. Nagtitiis ka sa traffic para makarating sa trabaho, you give your best in your current job, at tipid na tipid ka na sa sarili mo.

Pero ‘yung savings mo hindi naman nag-go-grow. Worse, you end up spending your salary even before your next paycheck arrives. ‘Yung tipong gipit na gipit ka na kapag “Petsa De Peligro” na.

Sinusubukan mo namang mag-budget at binabawasan mo ‘yung expenses mo. Tapos gini-guilt trip mo pa ‘yung sarili mo kapag napapagastos ka.

But at the end of the day, you still feel stuck. Frustrated ka sa sarili mo at sa balance mo sa bangko. Feeling mo, napag-iiwanan ka na financially.

Tapos ‘yung ibang tao parang sobrang dali sa kanilang mag-ipon ng pera. May 6-figures na sila sa bangko, nakakapag-travel pa, nakakapag-invest, and so on. Lahat effortless.

Habang ikaw nagwa-wonder…

“…Bakit parang ako lang ‘yung hindi makaipon?”

“…Kailan kaya ako makakaipon ng enough para makakaalis sa lintik na trabahong ‘to?”

“…Pano na lang pag-tanda ko? Wala pa rin akong savings.”

If you’ve ever felt that way, you’re not alone.

Because here’s the truth: The problem isn’t your income. It’s not even your spending.

The REAL issue is that “traditional money advice” is setting you up to fail.

Let me give you some examples…

Traditional Advice 1: Just budget better.

Madalas nating marinig ‘yung advice na kailangan lang nating maglista ng expenses, mag-set ng budget, at mag-stick sa budget na ‘yun.

The problem is, when you do that, budgeting FEELS like a punishment.

Naghirap ka na nga sa trabaho, hindi mo pa mabili ‘yung gusto mo. All for the sake of saving some money.

‘Yung psychology kasi natin bilang tao, hindi natin basta-basta matatalo. At kapag masyado kang nagtitipid, para mong sinasakal ‘yung sarili mo. Ang ending, nag-o-overspend ka dahil sa frustration.

Budgeting is limiting. It forces you to restrict yourself and makes saving feel like a punishment. That’s why most people give up after a few months.

Traditional Advice 2: Stop spending on luxuries

Lagi na lang sinasabi sayo na ‘wag kang mag-milk tea, ‘wag kang mag-kape sa labas, ‘wag kang kumain sa labas, and so on.

But let’s be real—if our response to challenging times is to “shrink ourselves” is that really how you want to live?

Saving money shouldn’t feel like torture.

Cutting expenses isn’t enough. Even if you stop buying coffee, stop eating out, and stop shopping, you still won’t get rich by just "saving more."

Pero what if merong way para mag-spend ng pera sa mga bagay na gusto mo without feeling any kind of guilt? (More on this later.)

Traditional Advice 3: You just need discipline

Society (and motivational gooroos) makes you feel na kaya wala kang ipon eh dahil wala kang disiplina.

They say that the only way to succeed in saving money is to sacrifice a lot of things—social life, eating out, branded clothes, etc.

Pero kung iisipin mong maigi, ‘yung mga taong mayaman, hindi naman talaga sila sobrang madisiplina eh. Now, hindi sila iresponsable sa paggastos nila. But they still enjoy life even while saving money.

The truth is, you have enough discipline. Gusto mo ng proof?

Kung consistent kang kumakain, manood sa Netflix, mag-surf sa social media, mag-scroll sa feed o FYP, at maglaro ng ML at hindi mo kailangang pilitin ‘yung sarili mo para gawin ‘yun, evidence na ‘yan.

You do those things not because you’re disciplined but because you enjoy doing them. Because they make you feel good.

So, hindi mo kailangan ng “more” discipline. What you need is something that will make saving money enjoyable for you.

I tried all the “expert” money advice…

…budgeting apps

…expense trackers

…strict spending rules

Pero walang nangyari.

Nagkakaroon ako ng kaunting savings dahil sa sobrang pagtitipid. Feeling happy ako for a while until ma-feel kong parang pinagdadamutan ko ‘yung sarili ko.

So para maging okay ako, pupunta ako sa mall o kaya magtitingin sa Lazada at Shopee. Ang ending, magagastos ko rin ‘yung ipon ko.

Kapag nangyari ‘yun, gi-guilt-tripin ko sarili ko na dapat nag-iipon ako ng pera. Tapos mangangako akong huli na ‘yun. Next time talagang iipunin ko na ‘yung pera ko.

Then I’d do it all over again.

I remember this one time na nasa seminar ako. Kaya ako nandon sa seminar kasi libre lang ‘yung ticket so umattend ako. In that seminar, the speaker shared the “secrets of earning money” and how to save it.

I remember thinking, “Gusto ko pang matuto at mag-enroll sa ibang programs nitong taong ‘to!”

At do’n ako sinampal ng kahirapan. Imagine: I’ve been working for more than a year na pero ‘yung isang workshop na P7,500.00 lang, hindi ko pa mabili. Kasi P2,000 lang ‘yung laman ng wallet ko.

Kahit pa gustong-gusto kong bilhin ‘yung bagay na ‘yun, sobrang walang wala ako. Sobrang frustrating makaramdam ng gano’ng feeling, ‘no?

‘Yung gustong gusto mo ‘yung isang bagay pero hindi mo mabigay sa sarili mo!

Sobrang frustrated ko no’n sa sarili ko. Dumating ‘yung point na handa na ‘kong tanggapin na hindi talaga ako “saver.” Na hindi talaga ako disiplinado para mag-save ng pera.

Parang wala na ‘kong nakikitang pag-asa sa sarili ko.

Until one day, by God’s grace, I stumbled upon this “System” kung saan kaya kong maka-ipon kahit pa magastos ako.

I decided to apply the system and change my life for the better.

And that’s when I got the lesson: Saving money is NOT just about the “math.” Hindi sagot ‘yung pagbabawas ng gastos.

Before anything else, saving is about knowing your own Psychology first.

And once I cracked the code, I went from being broke every month to saving 6-Figures in less than one year—without sacrificing my lifestyle.

And since then, nakakapag-save na ako ng multiple 6-figures taon-taon.

Now, I want to show YOU the exact system I use so you can finally start saving money.

Because the truth is…

Imagine This…

• You check your bank account tapos nakikita mo ‘yung savings mo pataas ng pataas. Pero hindi mo nararamdamang “deprived” ka…
• You buy things you love without any guilt because you learned to spend happily on what truly matters to you…
• Gumigising ka na excited kang mag-save (instead of dreading it) kasi meron ka nang “saving system” that works with your lifestyle, not against it…
• You start feeling in control about your money because you know exactly where your money is going…
• You reach your 6-figure savings goal faster than you ever imagined nang hindi mo tinitipid ‘yung sarili mo…
• Napa-proud ka sa bank account mo at hindi ka na taga “Sana all” lang sa mga taong may ipon…
• You treat yourself to something special without second-guessing it because your spending aligns with your goals…
• You stop comparing yourself to others and start feeling abundant instead. You know you’re building your own wealth at your own pace…
• Hindi mo na gini-guilt trip ‘yung sarili mo for loving nice things. In fact, nae-enjoy mo na sila. All because you know you’re spending intentionally…
• You create and live your dream lifestyle because your savings become an asset rather than something you hate…

At pwede mong maranasan lahat ‘yan by doing…

It’s a personal, self-paced challenge kung saan ituturo ko sayo ‘yung exact system na ginagamit ko para makapag-ipon ng P100,000 or more in 1 year or less.

Walang halong stress sa pagba-budget.

Walang guilt sa paggastos.

At higit sa lahat, hindi mo kailangang tipirin ‘yung sarili mo sa mga bagay na gusto mo.

A step-by-step system designed to help you save 100,000 or more in 12 months or less without budgeting stress, guilt, or sacrificing what you love.

Here’s how it works:

Once you join the challenge, you will receive an email from me. Sa email na ‘to, nakalagay ‘yung mga basic na bagay na kailangan mong i-prepare para sa challenge na ‘to.

Nandito ‘yung link sa mga materials na ibibigay ko, templates na pwede mong magamit, instruction materials, and so on.

Importante ‘to kasi before you go to any kind of journey, you have to prepare. At ‘yung pag-iipon ng 6-figures in 1 year or less is the start of your journey to financial freedom.

A few days after you receive your on-boarding email, magsisimula na tayo sa mismong challenge. Makaka-receive ka ng mga bite-sized learning sa email mo.

It’s a series of emails na mare-receive mo sa inbox mo at least once a week. These are life-changing lessons you can learn and apply in 5 minutes or less.

At magfo-focus tayo sa 5 na topics na ‘to.

The fastest way to change your life PERMANENTLY is to change who you are.

Yes, pwede mong baguhin ‘yung environment, habits, o beliefs mo. Pero ‘yung long-lasting change, nangyayari lang ‘yan kung babaguhin mo ‘yung tingin mo sa sarili mo (your identity).

That will only be possible kung alam mo kung sino ka. So for this topic, I’ll help you discover:

• Anong financial goal ‘yung gusto mong maabot during this challenge…
• Anong priority mo when it comes to money and the hidden reason why you prioritize those things…
• What your money habits are…
• What your ideal self looks like, acts like, feels like…
• And so much more!

Ang goal ng lesson sa topic na ‘to is to help you become the person you’ve always wanted to be. Someone you’ll be proud of.

One thing I want you to say by the end of this challenge ay…

“*Insert Your Name*,

Sobrang proud na proud ako sayo!”

Dito sa topic na ‘to, I’ll share why traditional budgeting sets you up for failure.

Madalas kasi, ‘yung mga traditional budgeting advice are outdated. Lalo sa panahon ngayon na sobrang dali nang mag-shopping.

It’s easier now to waste money on the things you don’t really want. Just because you made an impulse decision to buy.

Pero dito sa topic na ‘to, I’ll share with you a method kung saan you can spend freely on the things you love. Tapos walang guilty feeling sa pagbili no’n kasi alam mo kung bakit mo binili ‘yung bagay na ‘yun.

It all starts with diligent planning. Sabi nga sa Proverbs 21:5, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”

I’ll also give you a simple worksheet na pwede mong i-fill out to design a money plan that works for YOUR lifestyle.

Iba-iba kasi tayo ng trip sa buhay eh. Dapat ‘yung pagde-design ng money plan mo, aligned sa kung sino ka at anong importante sayo. At ito ‘yung madalas wala sa mga traditional budgeting plans.

Sa totoo lang, impulse buying is NOT the enemy. ‘Yung totoong kalaban ay ‘yung pagbili ng mga bagay na hindi naman importante sayo. Bakit? Para lang mang-impress ng ibang tao.

Isipin mo: tipid na tipid ka sa sarili mo only to spend money on the things you don’t even care about.

Kumbaga, useless spending.

You should enjoy what God has given you. Sabi sa Ecclesiastes 5:19, “Everyone also to whom God has given wealth and possessions and power to enjoy them, and to accept his lot and rejoice in his toil—this is the gift of God.”

Once I learned this…

• I started happily spending P50,000.00 to P100,000 or more sa mga online courses, workshops, o mentorships.
• I have no problem spending P1,000.00 on Grab kaysa mag-spend ng P300.00 sa pagko-commute.
• O kapag nag-brown out samin, I have no worries in going to an upscale hotel somewhere in Paranaque just so my mom could sleep in comfort (at hindi magpa-paypay ng buong gabi sa sarili niya).

All while saving (and investing) multiple 6-figures a year.

‘Yung pagtitipid ng pera, nakakatulong ‘yan sa pag-iipon up to a certain extent lang. At kapag d’yan ka lang nag-focus, mahihirapan ka talagang mag-ipon.

Isipin mo ‘to: the best budgeting system in the world won’t work if you don’t have anything to budget. Kaya hindi masyadong nagwo-work ‘yung mga traditional financial advice kasi naka-focus lang sila sa “small wins.”

Some examples:

• Cut your expenses by 10%
• Don’t buy small luxuries like milk tea, softdrinks, or coffee
• Stop spending time with your friends and eat at home

Yes, makakatipid ka d’yan. At kung disiplinado kang tao, you can do that for a long period of time. But as you do, you’re also chipping away the small parts of you that want to enjoy life.

The better option is to focus on “life-changing wins.” Ito ‘yung mga wins na isang beses mo lang kailangang makuha pero ‘yung impact, pangmatagalan.

And I’ll discuss that during this topic.

If you only learn ONE thing from this challenge, I hope it’s this lesson. This is the one lesson that will have a MASSIVE positive effect in your life.

Kapag natutunan mo ‘to, you’ll be richer than the richest people in the world na walang peace, empty, at walang direction. Kahit pa nasa kanila na “lahat”.

Kahit pa self-paced itong challenge na ‘to, I don’t want to leave you feeling alone. So every now and then (at least once a month), I’ll check in on you.

Ku-kumustahin ko ‘yung progress mo sa pag-iipon, ‘yung experience mo, at ‘yung mga challenges at wins na na-experience mo.

At ang maganda pa d’yan, I’ll celebrate it with you. Ibi-bida natin sa lahat ‘yung mga na-achieve mong milestones. After all, all of your milestones should be celebrated.

‘Yung total value na makukuha mo sa 6-Figure Savings Challenge na ‘to is equal to ₱15,000.00. But I’m not going to charge you that much.

In fact, you won’t even have to enroll with half of that which is ₱7,500.

Join this challenge today until April 30, 2025 for only…

Just click the button at dadalhin ka nito sa isang Google Form kung saan nakalagay paano ka magjo-join at saan ko ise-send ‘yung access mo sa challenge na ‘to.

At syempre, dahil gusto kitang tulungan, you’re covered with my zero-risk guarantee!

I’m so confident this will work for you that I’m willing to offer you a 100% Money-Back Guarantee.

Una sa lahat, I want you to get your first (or next) 6-figure savings with this challenge. Bakit? Kasi may “selfish reason” ako: I want you to love the program.

Kapag kasi nagustuhan mo ‘to, you’ll put in the effort, you’ll commit to your goal, at ishe-share mo ‘to sa iba.

But if for some reason, after a year of doing everything I told you to do pero wala kang resultang nakikita, just email me.

Ipakita mo sakin ‘yung na na-complete mo ‘yung challenge. At kapag hindi talaga effective para sayo, I’ll give you a full refund.

No questions asked.

Just click the button at dadalhin ka nito sa isang Google Form kung saan nakalagay paano ka magjo-join at saan ko ise-send ‘yung access mo sa challenge na ‘to.