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Transcript of OFW Financial Freedom Bible
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ELISA GEDORIO
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Becomingrichofw.com
Copyright @2013 By : Elisa Gedorio. All Rights Reserved.
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Table of Contents
INTRODUCTION
a. What this book is NOT 4
b. OFWs: Save for your future!.......................... 7
I. GENESIS
a. Recalling your Big WHY . 12
b. Total Money Assessment:
Are you still in Good shape?.......................... 18
c. Financial Freedom:
Where to Start?................................................. 24
II. EXODUS
a. Tithe First (And why you should!). 32
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b. Save Money and Make it a Habit.. 34
c. Issues on Saving Money 40
III. ACTS
a. Starting Your Own Business
(From OFW to Entrepreneur) 45
b. Investment Options for OFW
(From Entrepreneur to Investor) 57
FINAL MESSAGE........................................................ 60
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a. Whats this E-BOOK all about and
what it is not?
Within this E-BOOK you will find a road
map to your own financial freedom- if you
are willing to study and apply the things
that youre going to learn. It is divided into
three chapters based on three books found
in the old and new testaments of the bible:genesis, exodus, and the acts.
This book is NOT something that has
never been said. I always tell my fellowOFWs thatOFWs FinancialFreedom Biblewas not made to invent something new.
Yes, we give the same financial advice that
your great, great, great Grandmother would
INTRODUCTION
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give, only that we keep our teeth intact. I
suggest that you should continue to read
and learn from a lot of different people.
The steps presented in this book and its
result may differ from person to person,
depending on your current financial status,
definition of financial stability and lifestyle
that you desire.
For instance, a 30,000 php per month
income for Nena may be more than enough
for her and her family. They ride tricycle
going to market, buy unbranded clothes,
and let her children bring home - made
snacks to school. But a 500,000 php per
month income for Pepe might not be
enough because he loves to go on cruise
three times a week, and he buys vintage
bags and watches. He takes breakfast to
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luxurious hotels in Hongkong, eats lunch in
Paris and drinks expensive wine in Spain
after dinner. (Of course this story is only
from my wild imagination!).
The point here is that financial success
and satisfaction is different for each of us.
There are many great financial and
investment books out there today and there
are even more in our past that you can
learn from. This eBook is an on-time,
proven formula especially made for OFWs
for them to create financial abundance
defined in their own terms and fulfilment.
Enjoy Reading and Happy Learning!
Welcome Home,
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Elisa
b. OFWs: Save for your future!
Are you already tired of working far
away from home for the longest time now?
Do you wish to turn the hands of the
clock as fast as it can so that you can just
go home again for vacation?
Do you wish you can pause the time and
make seconds a minute, minute to hours,
and hours to year so that you can stay
longer with your wife, son and daughter?
Are you getting drained of the 30 - dayvacation leave that your company overseas
gives you every after two long years of
working?
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Do you wish to be present in every
family birthday, class Reunion, graduation,
wedding, and other important celebration?
Do you want to break the chain that
causes you to celebrate Christmas and New
Year cold and alone?
Are you getting dizzy of the long
distance, heart jetlagged relationships?
Then you must start saving and planning for
your future!
For now, you may be earning higher
than what you will be able to get in the
Philippines and I can tell you it is great!
But is that enough? Will it last for long?
Yes, you might be happy and pleased that
you can send money and support your
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family, but you should not forget one
important thing: to help yourself too!
It is a known fact that quite a large
number of OFWs go home broken.
Some are left with no other choice but to
go back abroad again, while others seethemselves on same level of debt and
poverty, or worst, others are now living on
the streets.
As early as now, take the responsibilityof saving for your future! I can hear you
saying: But I am helping my family! or
My salary is not that big for me to save!.
Those petty explanations are the exactreasons that this Financial Bible for OFWs
was made.
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The future may seem distant now but
the earlier you realize that your work and
salary may not be here always, then the
easier it is for you to completely start
saving, make your money grow and enjoy
financial freedom.
Hence this new electronic book (eBook)
from BecomingRichOFW.com intends to
provide you with simple guidelines towards
realizing your financial goals.
By the end of this book, you will learn
simple ways to get out of debt, start saving,
pursuing your dream business and invest
your money to make it work for you!
We are so much excited to welcome
you home rich and truly abundant!
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CHAPTERI
GENESIS
The first book of the old testament,
which means origin. Many OFWS dreamed
to be financially free, but they didnt know
how to start. Where do you begin? What
should you do to achieve your goal? This
chapter will allow you to identify your goals,
and the step by step plan on how you are
going to achieve it. Opportunities for your
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financial freedom is everywhere, you just
have to know when and how to grab it.
a.Recalling Your Big WhyPeople are not lazy. They simply have impotent goal-
that is, goals that do not inspire them. Tony Robbins
So now your dream of working overseas
finally came true:
You can now send dollars back home;
you can now buy brand new shoes, laptop
and latest gadgets
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But at the end of the day, you may
begin to ask yourself is this enough?
After this Whats next?
Its a sad fact, but quite a large number
of OFW go home broken and can barely
survive after three months from the timethat they went back home.
No matter how long they have been working
abroad 2, 3, 5, 10 or even after 20
loooooooong years, the story has been toldand the history repeats itself over and over
again. OFWs were left with no other choice
but to find a job abroad AGAIN to put foods
on their tables.
Its scarybut it still happens up to this
moment.
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Sometimes you may feel trapped on
your routine: 2 years of contract, 30 days of
keep- it-short- or-youll-get-fired vacation in
the Philippines.
So here is what I want you to do. Take
some time to remember again those days
when you are still sending your resume,
when you are still falling in line to get your
passport, when you are still walking under
the heat of the sun to complete your
requirements, medical qualifications before
you can go out of the country. Despite of
the pain and discomfort, what pushes you to
go through?
What is that Big why?
Some may say:
I want to send my siblings to college.
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I will pay our debts.
I will buy a house and lot and put up a
small business.
All of these are fine.
Its our duty anyway.
But have you ever stopped to think of what
you can do with your earnings aside from
paying your monthly bills?
Before we get more serious about the topic,
I want to ask a crazy favor from you.
Tonight, I want you to grab a pencil and
paper, spend at least 5 minutes to write
your dream. Dreams and wishes that
excites you!
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Do you want to learn how to play violin?
Experience a 7 day cruise in Caribbean
seas?
Visit Europe or stroll in Pragues country
sides?
What excites you most?
What are those dreams?
Dont let them degenerate and atrophied to
extinction.
Wake them up!
Why? Because these dreams will keep you
in track.
These dreams will help you to think bigger,
perform better.
Are you smiling now?
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Its okay, enjoy writing your dreams, if you
want, you can cut pictures or draw these
dreams.
Dont limit yourself; dont even worry how
you will do this. Write down!
You can also draw and collect pictures thatrepresent your dream or dreams.
After that, paste it on the wall where you
can readily see it upon awakening and
before sleeping.
For someday it will manifest itself!
I wish to talk more about how to achieve
your wildest dreams but it will take another
book to write. Believe and enjoy the next
exercises.
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b.Total Money Assessment:Are you still in Good shape?
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The way towards financial abundance is
a planned expedition, you must be specific
about:
1. Where you want to go,
2. When you want to arrive,
3. Where you are now (the starting point).
The initial step towards your financial
freedom is your conscious decision to be
free. You have to let go of anything in the
past that has hindered you from achieving
your goal. Keep telling yourself: I will
arrive at the goal, and I will pass through
whatever is required of me to arrive.
Do it Your Own: Statement of Assets
and Liabilities
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It is necessary to know and be open
about your current financial situation for
you to determine the right vehicle that you
can use and the right path to take in order
to arrive on the right place at the right time!
The good news is, you dont have to pay a
financial analyst to check your current
financial status.
You can make your own Statement of
Assets and Liabilities or SAL, and thats
what we are going to do now!
Ready?
1. Determine the date that you wish to start
assessing your financial status (example,
January 1, 2013)
2. List all your assets.
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These are the things that have an economic
value. Your cash at hand, money in bank,
invoices that your customers have yet to
pay to you (receivables), real estate
properties like ( lot and for rent properties)
and jewelry. You can also include your
furniture and gadgets. There are many kind
of assets, but also take note that the
monetary value of an asset may change as
year pass by.
3. List all your liabilities.
Liabilities are the things that you have to
pay. Examples are house rentals, debts or
credits; it can also include your monthly
bills and magazine subscriptions. House
mortgages can also be considered as
liabilities.
4. Sum up your assets and liabilities.
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5. Compare your asset and liabilities to get
your Personal Net Worth (Your current
financial status. This will let you know if you
are moving towards your financial goal or
not).
(Assets) (Liabilities) =Financial Net Worth
See the sample table below:
How to Make a Statement of Assets and
Liabilities ( SAL).
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January 1, 2013
ASSETS LIABILITIES
CASH
on hand, on
bank, on stock market
PAYABLES unpaid bills
of internet, water,
electricity, telephone,
cable, house rentals
ASSETS- current value
of lot, car, jewelry,
furniture, digitalgadgets
LOAN PAYABLES
banking loans, house
loans, credit card debt
RECEIVABLES
upcoming money from
debtors, unpaid
invoices
DEBTS- Debts from
friends or lending houses,
also include the principal
and interest
Investments, mutualfunds, paid insurances
Unpaid insurance, houseand lot, car , gadgets
Sum all your Assets Sum all your liabilities
Always remember that your Personal Net Worth
is Assets- Liabilities!
If your asset is greater than your
liabilities, then it is a great sign. If your
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Personal Net Worth is increasing every year,
it means that you are saving well financially.
But if your Personal Net Worths result is
negative, then we must make a radical
change to your financial status.
Thats what we are going to learn on thenext chapter!
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c.Financial Freedom:Where to start?
You may feel a little awesome knowing
that you have a high Personal Net Worth, or
you may feel guilty and desperate having a
negative result. Whatever the outcome is, I
still want to congratulate you. Now you are
ready to start for real. But where we should
begin?
Begin by setting up a Short term goal
(Monthly) and a Long Term goal (3, 5, 10,
20 years).
Ideally, this should start before you go
abroad.
Achieving these goals will be much
easier and will help an OFW keep
focused, save you from unnecessary
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spending , and motivates you to excel in
your career.
If you are already working abroad, it is
never too late to set your goal AGAIN.
You can still examine your goals and
plans.
START BY SETTING UP GOALS:
1. Prepare a Long Term Plan for you
For Example: Buy a new House and Lot,have a brand new car, put up for rent
apartments, or whatever you wish to have
for the next 2, 3, 5, 10, and 20 years.
You may say that it is too early for you to
prepare for your retirement if you are still
on your 20s or 30s. But I urge you to
plan earlier.
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As early as now!
In putting up your goals, you must also
include the exact amount that you will
need to achieve this goal, the exact
amount of money you wish to save, and
the capital that you needed to start a
business. Make sure that you also take in
consideration of your current income and
how long you wish to work abroad.
For example:
For the next 3 years, Nena wanted to buy
her own house and lot worth 500,000 .
She also wanted to put up an Internet
Caf where she needs 50, 000 capital. Sofor the next 5 years, her goal was to earn
550,000. Her current income was 30,000
as a Nurse in Saudi.
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Nenas Financial Goal:Your Goal Target Date to
Reach your Goal
Amount Needed to
Reach the Goal
1. Buy House and
Lot
January 1, 2016 500,000
2. Computer Shop January 1, 2014 50,000
The next step is to create monthly steps
on how you will achieve this. For example,
Nena has to save 15, 000 from her salary
every month for the next three years.
This may also include having a part time
income like working online on your free
hours instead of going shopping.
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Nena may also learn how to invest in the
Stock Market or Mutual funds to let her
money work for her which we will discuss
further on the next chapters. Doing so,
Nena may achieve her goal on lesser time!
2. Let you family know your financial goal.
We all know that theres a tendency for
every OFW to give everything they have,
even the last penny on their pocket.
This is especially true if someone call you
that your neighbour is dying, or needs a
tuition fee or whatever emergency that
your family in the Philippines may have.
We cannot avoid this. But they must also
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know your financial goal and help you
achieve it by doing their part on saving.
My friend use to tell me that whenever
he sends money to the Philippines, his
family use to eat on a fancy restaurant.
And before that month end, they will callagain for him to send money, usually
before his next salary comes.
Another OFW told me that her son and
daughter always want a latest phonemodel, month after month, as soon as a
new model was out of the market, they
will call her to send money for the gadget.
Did you see the point?
Open the topic with your family. Be clear
on how long you are planning to stay
abroad; 3, 5, 10 years more?
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Include them in reaching your goal. You
may also want to discuss with them the
household budget for you to see how
much do they need monthly. Remind them
to spend money wisely and avoid over
spending.
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CHAPTER II
EXODUS
This book from the Old Testament means
departure. While the first chapter helped
you to determine your starting point, this
part will discuss what should you do along
the way to prosperity and how to keep
yourself on track.
Successcomes from taking the initiative and following up...
persisting... eloquently expressing the depth of your love. What
simple action could you take today to produce a new momentum
toward success in your life?
-Tony Robbins-
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a. Tithe First (And why youshould!)
Did you ever experience financial troubleaside from the fact that you are working
overseas and earning more? Are you having
financial problem as of the moment? It may
well be your failure to tithe. Many areunaware of this great secret of prosperity.
The word tithe literally means one-tenth.
There needs to be a tithe of time, energy,
possessions, and ability, as well as actualsupply.
People who read this book usually get
scared or stop reading at this point. Tithe?
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Give the 10 % of my income to Gods
work???
But what if I am only a domestic helper
who earns 10,000 monthly? Thats even not
enough for our monthly expenses! I am
already helping my relatives, my cousin,
second cousin and great, great grand
cousin, my neighbour and my extended
neighbour and their dog. Isnt that as good
as tithing! I give what is from my heart; I
give 20 pesos to the church! As soon as I
get my bills paid, then Ill start to tithe. This
is not the idea... The greater your present
difficulty is, the greater is your need for the
increase that comes from God when you
begin to tithe to Him. This is not to change
your view but to say that giving is the start
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to open your door for more blessings in your
life.
b. Save Money and Make it a HabitSaving money is not like how you promise
to lose weight today and find yourself eating
a double patty cheese burger by tomorrow.
It is a habit. It should be regular and
continuous.
So how much do you save every month?
(You can just whisper it to me so that noone knows how big it is!).
Seriously, I really hope you put money
aside.
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How do you become a money saver? Ill
first tell you how you dont: Not by using
discipline or willpower. Discipline and
willpower only work in the short-term.
What works for long-term saving is
understanding your spending habits. Once
you understand, you can change by building
new habits. Thats how you become a
money saver.
Here are the steps that you can take todevelop a long term habit in saving money:
1. Pay yourself then your bills.
Upon receiving your monthly salary, you
should pay your bank account first, before
spaying your monthly bills. (That is of
course after you set aside the 10% to tithe).
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Set aside a desired amount every month
and learn how to live with what you have at
hand.
Just like all your other bills, theres no
way around. You must pay it month after
month, unless youre in debt. Then the rule
becomes: Pay Your Debts First.
2. Track Expenses.
You probably have an idea of how much
you spend, but unless you keep track of
every cent, that idea is inaccurate at best.
Heres a simple way to track your expenses.
You probably carry a phone wherever you
go. Note everything you spend in your
calendar.
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When you get home, copy everything to
your personal finance tool. At the end of the
month youll know exactly how much money
youve spent and on what. You may be
surprised that you eat a lot on restaurants,
or you are spending too much for cosmetics
or phone credits. Doing so will make you
analyse where you are spending your
income most.
3. Make a Budget. Calculate how much
money you need for:
Food
Rent
Bills
Clothes
Leisure
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Etc
Remove costs from income. Now you
know how much you can save each month.
Even if its not much, its better than
nothing.
4. Wake Up
You must learn your spending habits. Youneed to understand why you buy things. Do
you buy things to:
Impress people?
Be a part of the group?
Fill others expectations?
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Next time you buy something, ask
yourself: Why am I buying this? What are
my real motives?Dont judge. Just notice.
It takes time, thats why you have to start
early. Your life will be simpler and youll
avoid many financial headaches. Trying to
keep the pace with others is a never-ending
game, one you cant win. Wake up.
5. Increase your savings by increasing your
income
As you are now starting to pay your debts
through proper money handling and
increasing your savings by understanding
your spending habits, then you can now
explore new possibilities in growing you
savings by raising your source of income.
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Try new ventures of part time income
that suits you and your ability.
You may try working at home through
your laptop by allotting your free two hours
a day.
Or you may wish to sell some homemadecookies, or snacks to your office mates.
The choice is yours.
c. Issues on Saving Money
No matter how much you wanted to
save and invest for your future, you may
encounter hindrances that keeps yoursaving plan failing. Here are some lists of
the common issues that OFWs usually deal
with and some wise tips on how to
overcome them.
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1. I cant save money, because my family
in the Philippines keeps on asking for more
money from me.
Since youre earning dollars, the family
back in the Philippines may ask more than
you can give. Some friends and distant
relatives might also designate you as the
go-to person for emergency (or not) appeals
for cash. They may also state reasons that
would make it hard for you to say no to.
Remember that it is always good to
help. But giving them from time to time or
more than what you can actually provide
will hurt both of you. These people will have
the tendency to become overly dependent
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on you. Let them learn how to earn and be
responsible for them at times.
Meanwhile, letting them know your true
financial situation can motivate them to
manage on their own. So learn to say no by
prioritizing your own needs too.
2. How can I save money when I am full of
debts?
Debt can cause unnecessary stress,
anxiety and fear in your life. The fear of
becoming out of control actually makes the
case worst. But being in a worse financial
state should firm you up rather than weaken
your determination to save money. First
accept the truth that saving is not possible
at the moment because you need to pay
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your debts first. It is better to forego saving
for a while than suffer from charges. Give
yourself time to settle and eliminate your
financial debts. Start building your savings
when you are finally debt free. Be
responsible in paying first and avoid debts
along the way.
3. Dealing with the Wallet Drainers
OFWs face a great temptation of buying
the latest gadgets, designer bag and custom
jewelries (sometimes charged to credit).And
some are constantly filling their balik-bayan
boxes with assorted items from rubber
shoes to canned goods, soap and
toothpaste. Its partly shopping therapy
from the stress and overwork they face.
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Having spent an enormous part of their
income rewarding for their absence in the
form of material goods, its no surprise that
many OFWs head home with little to no
savings at all. They then sell or pawn
luxurious items theyve bought at a portion
of the cost. So goes the cycle especially for
those who have to shell out placement fees.
If youre disposed to urge buying, hold
tight to your wallet and ask yourself why
you decided to work abroad in the first
place. If its to secure your childrens
education or to fund a small business, then
bid goodbye to that flat-screen TV for now
CHAPTER III
ACTS
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The title of this chapter is derived from a
book found in the New Testament. You will
learn how to increase your finances even if
you are still working abroad. The concepts
that you will learn in this final chapter may
overlap with what you have learned from
the second chapter- that is, while you are
working to save some money, then use that
money to work for you.
a. Starting Your Own Business(From OFW to Entrepreneur)
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The present lack of attractive
employment opportunities in the country is
one of the main reasons why many Filipino
employees chose to work overseas. But
since working abroad often offers short term
contracts, the Philippine Government is
encouraging OFWs to create their own
business and livelihood opportunities.
However, the transition of an employee
mind set to an entrepreneur mind-set is not
expected to be as fast as a finger snap.
Most of the OFWs also wish to start their
business while they are abroad. They tend
to trust their business to relatives or
business partners which is partly risky.
An OFW who desire to jump his or her own
business would surely have a lot of
questions:
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1. Do I have what it takes to be a successful
entrepreneur?
2. What are my purpose and goals in
starting this business?
3. What kind of business can I start while I
am away?
4. How much capital do I need to start and
how much money I am willing to risk?
5. Is there any Government agencies that
can help me to fund my business?
6. Am I willing to take the risk of trusting a
relative to take care of my business?
7. What should I do to ensure success and
profit of my business?
8. Am I willing to attend online trainings?
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What are the best business options that
an OFW can start?
1. FRANCHISED BUSINESS
Most of the big franchisors in the
Philippines may disapprove applications of
OFWs due to his or her absence but there
are still handfuls that will. This is especially
true if the OFW can comply with the basic
requirements such as the business permit
and franchise contracts under the OFWs
name.
However, choosing a business partner
whom you can trust your business with is
the greatest challenge for an OFW who wish
to start this kind of business.
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It may be your spouse, siblings, parents,
trusted friend, or a hired business partner.
Whoever it will be, they must have the
willingness to learn and to take all the
responsibilities in sustaining the business.
They must be ready to attend trainings and
seminars to be conducted by the
franchisors.
You must also prepare a separate
internal contract or agreement between you
and the business partner with regards to
sharing of profits and losses.
2. SARI SARI (VARIETY/ MINI- GROCERY)
STORE BUSINESS
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We are all familiar with a sari- sari store
or the friendly neighbourhood convenience
store.
It is one of the great choices that an
OFW can start with if done properly.
Creating an inventory of merchandise and
products that will supply the everyday and
emergency needs is a big plus point for a
sari-sari store. It will be also great if the
location of the store is near the public
school, or places where many people pass
by.
It is a very reliable business with a low cost
and reasonable profit.
You can experiment by starting with 5,000
or 10, 000 and see what happens. Learn
how to manage it well. Just remind your
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business partner to limit credits if you
cannot refuse them.
3. REAL ESTATE BUSINESS
If you have a higher investment capital,
then you might try to buy foreclosed
properties and turn them into For Rent
Apartments and dormitories that can give
you monthly passive income month by
month. You can also choose to develop bare
lands into leisure parks, fish ponds, farm,
parking lot, space for lease and more.
The problem in Real estate business is that,
many land and property brokers can easily
attract OFWs to this Good Investment
Scheme. When in fact, most OFWs have
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no knowledge, thorough understanding, and
proper training as to how a property can
become a really good investment.
Before you jump in into this, be sure to
have proper training and thorough
understanding of this venture.
4. ONLINE BUSINESS
I personally recommend online business
especially if you are comfortable using the
internet.
Having an online business these days is one
of the most convenient and most
manageable among other types of business
models perfectly fits the OFW lifestyle: A
business that you can manage personally
wherever you are!
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The options in earning online are endless
and you can do it part time while you are
abroad.
You can offer your services as writer,
graphic designer, social media marketer,
photoshop editor as a Virtual Assistant.
Or you can start creating your own website
and products as an Online Marketer.
You can learn more about this by visiting:
http://bit.ly/VASeminarDownloadable
Many OFWs are now getting aware of this
silent revolution: Working from Home and
ending the OFW Phenomenon.
Filipinos are known for their diligent and
hardworking attitude and so as to working
from home industry.
http://bit.ly/VASeminarDownloadablehttp://bit.ly/VASeminarDownloadable -
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You might already visited the
http://bit.ly/VASeminarDownloadable .
I know that you may feel the blood rushing
in through your brain. Bakit ngayon mo
lang ito sinabi???!!!!
Bakit ngayon ko lang to nalaman??!!!
Meron pala nito??Totoo kaya to?
Luckily, the Author of this book is a humble
Domestic Helper from Hongkong .
Yes I am a DH but I hire my own Virtual
Assistant and now am an Online Marketer.
My boss doesnt even know that as I am
tapping on my laptop, dollars come in.
You may be asking how I learned.
http://bit.ly/VASeminarDownloadablehttp://bit.ly/VASeminarDownloadable -
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Luckily, I have a great mentor. And he is A
Filipino.
He thought me the step by step way that
even a Grade Level student can
comprehend.
Jomar Hilario, The Filipino Virtual Assistant
Guru is now helping Filipinos to earn Dollars
online.
And I did it, thats why you are now reading
this book.
Without our knowing, hundreds of Filipinos
are now earning dollars without that
goodbye- drama in the airport lobby
whenever your vacation ends up.
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Before entering any business endeavour, dothis with due diligence and proper
understanding.
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Hundreds of OFWs are now coming home and still
earn dollars in the Philippines.
Learn from the countrys Filipino Virtual Assistant
Guru; Mr. Jomar Hilario, and convert your extra
time into online income!
WORK FROM HOME:
Be you own BOSS
No more Homesick
Stay with your family
Watch your kids growing
Choose your working time
Grow your career
And more!
Join the Filipino Virtual Assistant
Seminar by Mr. Jomar Hilario !
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For more information and FREE Trainings you can
visit : http://bit.ly/VASeminarDownloadable .
Visit Us Now!
b. Investment Options for OFW(From Entrepreneur to Investor)
Now that you already have the idea on what
business can you start, we will jump to this
most exciting part!
To learn how your money works for you by
investing.
I hope to discuss the matter on this book,
but I would rather point you to my own
financial mentor.
http://bit.ly/VASeminarDownloadablehttp://bit.ly/VASeminarDownloadable -
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This guy thought me how to invest in the
stock market and guided me not only to win
in my financial life but all other area of my
life!
You can download his free E-book My Maid
Invests in the Stock Market and Why You
Should Too! by visiting:
http://bit.ly/mymaidinvestsinthestockmarket
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Jomar Hilario Advertiseme
FINAL MESSAGE
Before you end up reading, I want to
share these affirmations of prosperity that
you can read to draw positivity and attract
abundance in your life.
I AM AFFIRMATIONS OF PROSPERITY
I AM, I AM, I AM the resurrection and
the life of my finances (3x) now made
manifest in my hands and use today.
I AM the fulfilment of all my needs and
requirements of the hour.
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I AM claiming my victory now: Victory in
my finances, victory in my health, victory
over my emotions, and victory in every
phase of my life.
I AM accepting Jesus promise that All
things whatsoever ye shall ask in prayer,
believing, ye shall receive.
I AM decreeing right here and now an
end to any lack that has manifested in my
finances of my health.
I AM seeking first the kingdom of my
God and his righteousness, knowing in full
faith that all these things shall be added
unto me. I truly believe that my heavenlyFather knoweth what things I have need of
and that he will supply them.
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I AM the victory of my divine abundance
now, and I claim right here and now an end
to any and all appearances of lack that have
ever manifested in my world. I go forth
victorious in the light from this day forward,
so help me, God! I AM Victory! I AM Victory!
I AM Victory!
I AM the peace-commanding Presence
that banishes all anxiety, all fear, all doubt,
all human questioning of my ability to
precipitate Gods limitless abundance into
my world now.
I AM the power of God manifesting in my
world, taking complete control of my life
and banishing forever all feeling of
insecurity, inferiority, lack of self-worth.
I AM calling upon the law of forgiveness
for all my past misuses of Gods energy and
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his abundant life, and I go forward this day
victorious in the light!
I AM proving the law of the tithe as I AM
honoring the Lord with my substance and
with the first fruits of all my increase.
"No matter how many books you read, northousands of good advisers you've heard,
without an action and execution is
USELESS. You will just keep on analyzed
those things until you paralyzed or just a
history. Sometimes what's between your
miracle is your First STEP."
~Robert Kiyosaki
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