Category Archives: Mindset

JOY in talking about money


Guest post by Avic Tatlonghari owner of littlegreatjoys

For a long time, I made myself believe that I did not need much help on managing finances. After all, I was pretty good at it – paying all my bills, living within my means (or so I thought) and saving a little here and there.

How wrong I was! I need help as much as everybody else does. It does not matter whether one has an advanced degree in finance or one is totally clueless about financial jargon. We all need that kind of help. Most specially when one is married.

Money is one of the causes of breakdown in many kinds of relationships. And marriage, having children, moving from two incomes to one, or having two incomes and yet not being on the same page when it comes to financial decisions, would all lead to some degree of tension. And if one is not careful, it will slowly steal away the joy in the relationship and one ends up wondering what has gone wrong.

And so every year, Pido and I set up a date to talk about our financial goals and plans. He loves to call it our Financial Conference so we would take it a little more seriously. We usually do it after the weeklong prayer and fasting. We want to make sure that we have individually prayed about our concerns on finances before consulting each other. We want to make sure that we are clearly reminded of some fundamentals before we lay out our financial plans.

During the long train ride from Saitama to Tokyo and then to Chiba prefecture (to see the beautiful newborn of the Gomezes), we did the Tatlonghari kind of FinCon.

We agreed to do the following:



1. To believe that God has been providing all our needs and that He has been faithful and will always be faithful in doing so.

We have so many financial aspirations. We want to have a lot of money. We want to buy so many things. We want to be ready for retirement. And we have a lot of needs. And so before all these crowd our hearts with ideas on how to reach all these financial goals, we wanted to make sure that our hearts are in the right place. We wanted to be in a position of gratitude, not in a position of entitlement. We wanted to remind ourselves that everything we have is from the Lord. Everything we have is a gift. And all the things we do not have are not enough reasons for us to think that God failed to provide. We pointed our hearts back to the great provider.





2. To trust God as our source.

It does not really matter if we have a lot or very little. Trusting God and seeing Him as our source say a lot about our relationship with the Lord. When we trust Him as the source, not our income, not our employers, not our host country that provides employment opportunities, not our spouse, not ourselves, we are putting our finances in the realm where faith works. Trusting Him has allowed me to dream of owning properties we would not be able to have given our single income and burgeoning needs. It has allowed me not to put pressure on my husband to go home and bring as much money as he could because I wanted a lifestyle he could not afford. It has allowed me to have a certain kind of peace that things are going to be provided for anyway and I can do my part in the best way I can and watch God move.




3. To put God first.

I love reading financial books that do not only provide tools to help manage our finances, but also put premium on giving our tithes faithfully and being generous to others as prerequisites to having financial freedom and peace. And so even before we started talking about the things we needed to do this year to meet our financial targets, we reminded ourselves to be accountable to each other when it comes to giving our tithes. We also decided to pray about being generous in our giving, specially in planting seeds in good soil. In the past, we have supported a few missionaries in small ways because we felt that we wanted to be a part of what God was doing in the nations they were trying to reach. We prayed to be blessed so we could bless our extended families and those God wants us to bless.



4. To be good stewards of resources entrusted to us.

It was a big step of faith when we jumped from being a two income family to a single income one, more than three years ago. We were not prepared for it. I often wished we had heeded the advice of living within the income of my husband only and saving my income during the early years of our marriage. We now give that same advice to new couples. The issue is not really about whether the wife/mother wants to work after having kids. The choice to stay home or be a working mom is neither good nor bad. I think the greater issue is whether she has to work because there is no other choice, because the lifestyle that the family has chosen to live and enjoy would require both people working so many hours a week to bring home more bucks. And so as good stewards we learned to embrace how to use certain tools to live within our means. Pido and I talked about changing our mindset about being debt-free; agreed to write down our goals and be very careful with writing and following our budget; planned how to reach our target emergency fund this year; put a deadline to pay all kinds of debt including mortgage in the next two years; talked about investment we could make and the types of insurance we should prioritize; decided to scale down our lifestyle and postpone our dream trip we have been planning to make when we turn 40 next year; emphasized the need to set aside money for celebrations most specially anniversaries because they are important to our marriage; and committed to doing each other’s role with excellence so we could reach our target.

We still need a lot of help and practice in this area. We still need to learn from our mentors who have gone ahead of us and have made wise financial decisions. We still need to read a lot of books and re-visit the way we budget, spend and save. We still need to work hard in order to have the seed money for our dream business and investments. We still have to learn how to communicate better, fight less, and work together as a team so we would make decisions according to what God wants us to do with the resources He entrusted to us. We will still need to keep asking for forgiveness and to give our sincere and immediate “I forgive you” when one of us makes mistakes and a silly financial decision.

Talking about money with one’s spouse does not not only bring both of you on the same page as you manage your resources; it also makes you fall in love with the other person more and more as you listen to his/her faith, fears, dreams, secret prayers, disappointment, frustrations, and regrets. Talking about money gives you a chance to rediscover the other person and makes you see that it is really not just about the money. It is also about remembering two types of very important covenants- the covenant God has with us and the covenant of marriage to this other person God has given us.



God is our provider. We just need to take time to remember. And maybe, talk about it a little more often until we get to a place where we can trust God completely, surrender our fears and doubts; give thanks despite lack and loss; and bask in the promise that He will be there for all our future needs, in His perfect ways and in His time.

Originally posted 


Avic Castillo-Tatlonghari is the blessed wife of Pido, a trying hard stay-at-home mom of Adana and a Filipino trying to live to the fullest, discovering all my little great joys, here in Japan. She would loved to hear from you. You can reach her through her  e-mail at


Filed under Financial Literacy, Mindset

Men who built America – 6 characteristics of the King of Oil Industry, J.D. Rockefeller

Image by History Channel

Image by History Channel

The late 1800’s were famous for capitalism where one man can accumulate a large sum of money worth multiple hundred million dollars, and equivalent to a billion dollars today. Before we have the modern innovators of today like Mark Zuckerburg of FaceBook, Bill Gates of Microsoft and Richard Branson of Virgin Corporation, American society back then were struggling after the civil war, they don’t have any source of light in the evening no electricity yet during that time. When the Sun is down, night is the king. A man saw an opportunity to redefine the existing industry. Here are the characteristics of a man who will help you move radically, achieve your greatest potential and push you to the limits. These will focus on social behavior of big people that will help you to become bigger someday.
Incredible work ethic – J.D. Rockefeller came from a very poor family in Ohio; his dad was known con man and also known as a Devil Bill. His dad never supported them and on a mission trying to cheat a lot of people every day to get access to their money.  However, historian says that J.D. Rockefeller needed to quit school and supported his siblings and mom. Stuck in a dead end job, he saw that oil will be the next industry and quit to take chance. He worked his way up from a rank and file employee to a businessman who can compete and eat other existing business thru his excellent thinking and aggressive approach towards making the opportunity happens.
He wants to outwit the competition – I don’t know with you but other people got this feeling of pleasure whenever they outsmart, outwit, and outlast the competition.  He loved winning more than ever.  He killed the competition. Achieving greatness means letting go of your existing belief system and grab that opportunity to create more value to the market. Rockefeller got the 90% share of US Oil market and that had never happened before. His company was considered to be the first monopoly.
Collaborate with people who are smarter than him – Steve Jobs once said that you should hire smart people to work for you; I think he got that from Rockefeller. There are many refineries during his time and it’s really risky for him to invest more but what separates him from the rest was his love for efficiency. Massive oil flakes was being wasted so he teamed up with a scientist that can make the kerosene a lot safer. He is already ahead of the game while other are doing the same thing all over again and again.
Create his way – Successful people don’t wait for the opportunity to come. Their dreams are not going to be handed to them in a silver platter saying that’s your dream manifested. When his rival millionaire, Thom Scott and Vanderbilt discontinue the service that Rockefellers company is providing to the train, he treated it as a sign of war, Now if he’s not going to think differently he will be bankrupt, that’s when laying of pipelines was the only thing he can do, it will put the railroad business out from his oil industry and can get a massive control. After couple of years he was able to do it.
Future Oriented – His tragic life as a kid, a broken family, and the success before never hindered him to play the game of business. He didn’t define his future with his past but he let that to be his motivation to get to the top.  He let those refined him like oil being transformed to create more value to a simple household.
Philanthropy – He became a millionaire and owned almost all the gas stations in America but he remembered that life is not all about accumulating money. He figured too that materialism is the root of all anxiety but giving will ease everything, he and his rival millionaire Andrew Carnegie started to give all their massive wealth to the world till the end of their lives. 
Your finances will be in a bad situationif you don't stop chilling with the wrong people (17)
 D  David Isaiah Angway is a RFP and a financial consultant for IT-BPO-Banking, HealthCare Industry and Manpower Agencies. He is a conference speaker and was featured in ANC On the money, Bloomberg TV Philippines. He is also columnist at BusinessMirror, Rappler, and MoneySense magazine. He is a licensed nurse and a former Senior Fraud Specialist of the largest bank in the world, JP Morgan Chase & Co.

      He is the CEO and founder of WinLongTerm Financial Consultancy, helping young urban and educated millennial (Gen Y). It sets and achieves their long-term financial goals by empowering them through behavioral finance.

 For more information and concerns subscribe to Facebook page or contact me at, here’s also my mobile number 0925-787-7796


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Filed under Abundance, Entrepreneurship, Mindset, Rich For Life

Top 10 Quotes about money

Top 10 Financial Quotes
I hope this will give you more clarity about your definition towards a powerful tool. At the end of the quotations I suggest to create your own definition and share it to everyone.


David Isaiah Angway is a Financial Evangelist

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Filed under All about money, Financial Evangelist, Mindset, Money quotes, Win Long Term

3 ways how to resolve your money problems

Trying to solve your money problems with more money will not help instead it will just magnify the issue. Before you want to fix your money mistakes you need to  do three things. Identify your core values, change your mindset, evaluate  yourself.
Identify your core values is something that we considered as guiding principles that dictate behavior and action. Everybody has a core values but money will never be included in the list. Not even a single organization  that I know focuses on money.  That means money is not the right option to solve your issues with it. You need a deeper and compelling reason beyond money itself. 
Sample core values  Courtesy of
10 Core Values:
1. Deliver WOW Through Service
2. Embrace and Drive Change
3. Create Fun and a Little Weirdness
4. Be Adventurous, Creative, and Open-Minded
5. Pursue Growth and Learning
6. Build Open and Honest Relationships with Communication
7. Build a Positive Team and Family Spirit
8. Do More with Less
9. Be Passionate and Determined
10. Be Humble

Changing your mindset rewiring your brain and building essential habits on how to fix your belief system towards money will play a big role. When  you think money is the root of all evil you are consciously developing a bad relationship with money and won’t achieve financial freedom. If you will train yourself seeing money as a gift or a tool to advance God’s kingdom and help more people then you will found a deeper meaning and purpose why your behavior right now should change. Read more of the bible cause it will enlighten you about the subject of money. 

Evaluate yourself– Many people don’t’ recognize the fact of evaluating yourself can really  help in improving your performance and test your personal integrity. When you are trying to make improvements with your budget, saving money and investing, evaluation is a key to see the growth towards your goal. I highly recommend you to do this every week or monthly to check whether you are gaining efficient skills that you have financially.



1 Timothy 6:8 should be our focus
But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it.  8 But if we have food and clothing, we will be content with that.”

David Isaiah Angway is a Financial Evangelist

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Filed under Mindset, Money Problems

Mindset of the Wealthy and Middle Class

Middle Class
Wealthy people
Money is the root of all evil
Poverty is the root of all evil
Action based
Type of Education
Formally Educated
Self educated
Focus on the past
Money belief
Fear based
They Follow
Use of money
Other peoples money
Knowledge about  the Market
Driven by emotion
How to survive
How to get rich
Reading Materials
Novels, tabloids Entertainment Magazines
Friends with
Middle class
Focus on
 Risk Profile
 Thrive in structure
 Thrive in Uncertainty
They think money as
Hard to keep
Self made millionaire  are currently growing in numbers. Steve Siebold made a book (How rich people think)  that summarizes the  mindset of the rich comparing it with the middle class.  He interviewed 1,200 of the world’s wealthiest people during the past 3 decades. He concluded that it’s about the perception and not the money itself.

David Isaiah Angway is a Financial Evangelist

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Filed under Middle Class, Mindset, Perception, Wealthy