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About Ray

Ray is the main writer behind YourWealthyMind.com. He is a proponent of self-improvement and self-education, and he believes that anyone can achieve their goals once they learn the knowledge and skills they need to attain them. He considers it his mission to enrich lives and end poverty by teaching people lessons they may need to succeed.

Your Wealthy Mind Gallery

February 15, 2016 by Leave a Comment

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"Tough times never last, but tough people do!" — Robert H. Schuller

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Your Wealthy Mind Savings and Budget Plan (Tagalog)

September 15, 2015 by Ray

Your Wealthy Mind Savings and Budget Plan
English Version (Click Here)
“Hindi sa laki ng kita, pero sa naiipon, napaparami, at kung gaano karaming henerasyon mo ito maipapamana.”
– Robert Kiyosaki

 

Ano ang gagawin mo kapag may nagbigay sa iyo ngayon ng higit pa sa P1 MILLION?

Tandaan mo muna ang sagot mo dahil babalikan natin ito mamaya. Sa ngayon, pag-usapan muna natin ang pag-iipon!

 

Gastos vs Kinikita

Marami sa atin ang gustong makapag-ipon… pero PALAGI na lang may kailangang bilhin, bills na kailangan bayaran, emergency na kailangang bayaran, at iba pang mga bagay na “kailangan” paggastusan. Kung tumaas lang kita natin, makakaipon tayo diba?

Sayang nga lang na kapag tumaas nga kinikita natin dahil sa mga promotions, pay increase, at bonus, mas MARAMI pa rin ang “kailangan” nating bilhin kaya nauubos pa rin ang ating pera.

Kapag tumataas ang Kita, dumadami lang ang GASTOS, hindi ang IPON. Para lang itong pagbuhos ng mas-maraming tubig sa bayong.
[Read more…]

Your Wealthy Mind Savings and Budget Plan

September 15, 2015 by Ray

Your Wealthy Mind Savings and Budget Plan
Tagalog Version (Click Here)
“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.”
– Robert Kiyosaki

 

What would you do if, right this moment, somebody gives you over P1 MILLION?

Remember your answer as we’ll return to this later. For now, let’s talk about savings and budget!

 

Expenses vs Income

Most of us want to save money… but there are ALWAYS groceries to buy, bills to pay, emergency expenses, and things we “need” to buy. If we only earned more money, we can save more, right?

Unfortunately, when we DO earn more through promotions, pay raises, and bonuses, there are MORE things we “need” to buy so we spend all our money.

Getting more money only makes us SPEND more, not SAVE more. It’s like pouring more water in a weave basket.
[Read more…]

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