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DIARY OF A PULUBI 22 Money Lessons On How To Avoid Going Broke by CHINKEE TAN Copyright©2017 by Chinkee Tan All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means electronic, mechanical, photocopying, recording or otherwise without written permission from the author. AUTHOR Chinkee Tan EDITORS Donna Tan, Mars Joseph Lim, Cristina Lazo BOOKCOVER LAYOUT: Patrick Mabilog BOOK LAYOUT: Debbie Liao PUBLISHED BY CSM Publishing with Chinkee Tan For Bulk orders of this book, please contact: Direct Marketing Church Strengthening Ministry, Inc. at 512-15-02 to 05 Printed in the Philippines EAN# 480652317583-8


As a wealth and life coach in the Philippines, one thing that bothers me the most is seeing people living in financial stress. Na-discover ko na ang ugat nito ay hindi kakulangan ng kita. Kadalasan, ang pinagmumulan ng financial stress ay: • Lack of knowledge • Lack of discipline • Lack of proper guidance from experts. Kung maisasama lang kita sa mga financial seminars at counseling sessions ko, tiyak na madudurog din ang puso mo kapag marinig mo ang mga pinagdadaanan nilang mga problema sa pera. Because of the financial stress na pinagdadaanan ng napakarami nating mga kababayan, at tila hindi na nila kayang lutasin o lampasan man lang ito. Kaya’t na-inspire akong magsulat ng isang series kung saan pwedeng matuto at maliwanagan kung ano ang mga pinagmumulan ng financial stress at paano ito maiiwasan.