Tayo NaMAN! The Manhood Show! is Far East Broadcasting Company’s newest radio program, this time, catered for the MEN. The show is hosted by author and speaker, Mr. Jayson Lo. Heard at 702 DZAS AM Band on Mega Manila and via febc.ph on internet streaming. Every Saturday, 5:30 PM – 6:30 PM.
Tayo NaMAN! centers on the many issues about Manhood and what it means to be a REAL MAN. Pilot episode aired on August 6, 2016.
Debtermined “Take Control of your Finances and your Life” Introduction
I woke up at 6:00am, excited to start the day. It had been years, but the day I had been waiting for had finally arrived. The long wait was over.
I brushed my teeth, showered, put on my clothes, fixed my hair, ate a little breakfast, and zoom! I played my favorite tune in the car, “Hanging by the Moment” by Lifehouse, to set the mood. It was going to be one of the best days of my life!
A few years ago, our business went bankrupt. My partners and I lost almost P10 million, and I incurred an additional debt of P2.5 million. In 2½ years, my wife and I were able to pay off all our business debts. Th e only debt that remained was P500,000 I had borrowed from my auntie. Although I would pay her a certain amount every month for years, it still took a long time before that memorable day.
I went to my auntie’s house in Quezon City. She lived inside a posh subdivision that was one of the most expensive places to live in. I stood outside the gate of her house, and took a long, deep breath before pressing the doorbell. A helper guided me to their living room. I sat down on a sofa inside their elegantly big house, which had its own garden and swimming pool. I estimated their house to be worth more than P60 million.
My auntie came to greet me. After some pleasantries, I then went on to the agenda of my visit, the main reason I was there—to finally pay the remaining balance of my debt.
I thanked my auntie for all her help and for being so patient with me. But in the back of my mind, I could still remember how I felt during all our family reunions every Christmas day… very awkward! Now please don’t misunderstand—I love my auntie, but every time I saw her, I wanted the earth underneath me to swallow me alive. It gave me chills just thinking about it. I told myself, those days are coming to an end.
I wrote a cheque for P125,000 and gave it to my aunt. It was like shackles that were binding my hands were falling off, and it was an indescribable feeling! After we said our goodbyes, I got in my car, and shouted… FREEDOM!
I was finally debt-free! And if I can get out of debt, so can YOU.
Book Title
As I was thinking of a title for this book, I sought the help of my Facebook friends. Here are some of their good title suggestions which I considered:
Life and Debt Situation
Swiping My Way Out of Debt
Life After Debt: e Freedom of Owing Nothing
Debtifying Act
Pay Up! A true story on how to get out of debt!
Here are some not-so-good but funny titles:
Debt Penalty: YOU MAY NOW REST IN PEACE!
Lo and Behold! (Because my surname is Lo. Go figure)
Debt Terminator: I’ll Be Back ( e one who suggested this must be an Arnold Schwarzenegger fan.)
And my favorite of all, a title patterned after my first book, YOUnique. YOUtang: e YOUnique approach to erasing debt!
Thanks to all who shared their ideas, even the bad and funny ones. If you think about it, there are no bad ideas. Th e only bad ideas are the ones never explored. Why? Because every bad idea has the potential to evolve into a good idea.
Many years ago, it was a bad idea to sell cell phones to the masses. Today, everyone has a cell phone. Our maid has two cellphones, though I have only one. Before, having a safe, secure job was a good idea. Today, it is a bad idea to rely on just a safe, secure job.
In the 1600s, the idea that the world is flat was a good one. Th en it was discovered that the world is actually round. Just recently, the idea that the world is flat resurfaced, this time as a metaphor referring to a world connected through information technology. e idea evolved
yet again.
Speaking of ideas, did you know that one idea, good or bad, can change your life? Well, that is my hope and prayer as I write this book. I want this book to impart great ideas, or, to be precise, “great money ideas” that can make a positive impact in people’s lives.
Before you flip to the next page, let me emphasize that this is not another personal finance book. I love personal finance books, but there are so many in the market right now that I don’t think it’s necessary to add another one.
Debtermined is a behavioral finance book. What’s the difference? Personal finance books teach us the ‘hows’ and the ‘whats’ of finance. Behavioral finance teaches us the ‘whys.’ Simply put, it will show us why we do what we do, and how we can change our behavior so that we do what we had intended to do. Personal Finance is about knowledge, and behavioral finance is about (you guessed it) behaviour.
Don’t just read this book; study it. Make it your book by personalizing and interacting with it. Take down notes, mark down and underline the lessons that come to life. Th e books that have helped me the most were those that I interacted with and reflected on.
Join me as I share my debt story and the debt stories of others who, through perseverance and courage, were able to triumph over debt. Let’s journey towards our financial dream destination by traveling TOGETHER TO-GET-THERE!
Debtermined is not yet available in National Bookstore but You may order the book online by following these procedures:
If you get a copy here (online) price is P350 Free Delivery within the Philippines
*(SRP in bookstores is P395)
Do you want to Be Rich or just Get Rich?
My good friend Dennis Sy wrote a book that could be called Spiritual Finance (if there is such a word). I am a book geek, but Dennis is probably one of my few friends who love reading books more than me. In fact, most of my favorite authors right now… Dave Ramsey, Seth Godin, and Jeff Bridges, came from his recommendations.
In the eyes of the world, the end game is to get rich – your net worth equals your self worth. However, in God’s view, He doesn’t only bless us financially but God is more concerned with our overall being. That’s the essence of Be Rich vs. Get Rich.
Dennis’ arguments are convincing: If you woke up this morning with more health than illness, YOU are more blessed than millions who will not survive this week.
If you have never experienced the danger of battle, the loneliness of imprisonment, the agony of torture, or the pangs of starvation, YOU are ahead of 500 million people in the world.
If you can attend a church meeting without fear of harassment, arrest, torture, or death, YOU are more blessed than 3 billion people in the world.
If you have food in the refrigerator, clothes, a roof on your head, and a place to sleep, YOU are richer than 75% of this world.
If you have money in the bank, YOU are among the top 8% of the world’s wealthy.
If you hold up your head with a smile on your face and are truly thankful, YOU are blessed because the majority can, but most do not.
If you can read this message, YOU are more blessed than over 2 billion people in the world who could not read at all.
Are we really thankful for what we have and not just always wishful of the things we don’t?
Rich For Life is not just your typical finance book, it deals with the most important facet of finances… having peace of mind. It will help you focus on the inside first before even making a move on the outside. And for those who are already there, you may be making so much money, but deep down, you still feel empty. This book is also for you.
Before reading any finance book, start with Rich For Life. It will show you the big difference between Being Rich and Getting Rich, and the true meaning of financial peace. My conclusion? Rich For Life = Knowing Financial Peace.
To know more about Dennis Sy, visit his website: www.dennissy.com and www.actlikeaman.org
