Book Review: Diary of a Pulubi (22 Money Lessons on How to Avoid Going Broke)
By Chrysty De Guzman - October 09, 2019
Maybe 70% or more of us Filipinos have a bad habit of spending. We hardly identify our needs and wants. We can’t control ourselves on buying and getting things that aren’t important. It’s our reality. Let me share you a book that helps me to think and decide better.
About the Author
Author: Chinkee Tan
Mr. Chinkee Tan, aka “Mr. Chink Positive” is a motivational speaker on money, mindset, and success. He is also a radio/TV and social media personality and influencer. Authored 8 best selling books sold millions of copies, he received a congratulatory letter from former President Benigno Aquino III. He is a famous motivational speaker spoken to small and big audience sharing his financial expertise.
About the Book
Title: Diary of a Pulubi: 22 Money Lessons on How to Avoid Going Broke
If you open the first page, you could see an introduction. Here Mr. Chink+ shared why he wrote this book. According to him, being a wealth and life coach in the Philippines, it bothers him seeing most people live in financial stress. He enumerated the lack of knowledge, lack of discipline, and lack of proper guidance from experts are the main reasons for financial stress.
This book will teach us 22 money lessons which will help us become aware of our:
1. Buying Habits and Patterns
2. Why we are obsessed with buying our wants
3. How to avoid the temptation
4. What are the right tips to save now and have a comfortable life later
The book revolves around 22 topics about our daily habits. Each topic was discussed well-providing examples and solutions for every problem. At the end of each chapter includes thinking, reflect and apply the pattern. Here there are questions where we could think and reflect on every bad habit discussed in each chapter so we could apply it to our daily lives. I listed it below for you:
1. Shopping Now Pulubi Later
2. Grand Wedding Now Pulubi Later
3. Boasting Now Pulubi Later
4. Upgrade Now Pulubi Later
5. Doesn’t want to pack lunch Now Pulubi Later
6. Party Now Pulubi Later
7. Too much helping Now Pulubi Later
8. Wasting Now Pulubi Later
9. Travel Now Pulubi Later
10. Coffee Now Pulubi Later
11. Gift souvenirs Now Pulubi Later
12. Expensive Date Now Pulubi Later
13. Debt or Loan Now Pulubi Later
14. Beauty products and services Now Pulubi Later
15. Credit Card Now Pulubi Later
16. Lending Money Now Pulubi later
17. Gadgets Now Pulubi Later
18. Celebrate Now Pulubi Later
19. No Bank Account Now Pulubi Later
20. Dine out Now Pulubi Later
21. Crave too much Now Pulubi Later
22. No work/ job Now Pulubi Later
There were also 4 benefits listed by the author on the back of this book:
1. Know how to overcome bad shopping habits
2. Know how to celebrate milestones without going beyond your budget
3. Know how to upgrade your gadgets without borrowing money from others
4. Know how to enjoy your vacation without getting into debt
Personal Thoughts:
This book is self- enlightening. It highlights daily routines that unnoticed becoming self-destructible. This book opened my eyes to my daily habit of wasting money and time. I realized that a simple hobby right now would give us a big problem in the future. Life must be enjoyed but we should also know our limits.
Personally, up to 15 topics on the list, I can relate to it. Some things should go first before all our wants. The book isn’t discouraging us to enjoy life, the goal is to guide us to proper spending while enjoying.
I encourage every Filipino to have a copy of this book. This was written in TAG-LISH so every JUAN could comprehend well. This would help us realize that bad habit spending would lead us going broke. Here's to another favorite book.
Do you have your own Pulubi story? I would love to hear it from you.
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