😓 Always broke? Sweldo laging kulang?

You work hard, but somehow… it’s never enough.

You try to save. You try to budget.
But the bills pile up, the stress keeps coming, and there’s nothing left at the end of the month.

You’re not lazy. You’re not careless.
It's just that no one taught you the smart money habits that actually work.

✅ Here’s the truth:

It’s not always about earning more...
It’s about being wiser with what you already have.

💡 What if you could:

• Stop living paycheck to paycheck

• Say goodbye to toxic debt habits

• Finally understand where your money goes

• Learn how to save, even if it’s just ₱5 a day

• Build peace, progress, and a plan — kahit maliit ang sweldo

✨ That’s exactly what this ebook will help you do.

Smarter Sweldo is a motivational, practical, and life-changing guide for anyone who’s ever said:

“Lagi nalang kulang ang pera.”
“Hindi ako marunong mag-ipon.”
“Hindi ko alam paano makakaalis sa utang.”

📥 Get the PDF Ebook Now for Only ₱499!

🎁 BONUS TOOLS INCLUDED:

📘 Inside the Ebook, You’ll Learn:

✔️ How to avoid debt traps and start getting out of debt

✔️ Simple savings techniques that start with ₱5

✔️ How to prepare for your future — kahit paunti-unti lang

✔️ How to budget and distinguish needs from wants

✔️ Actionable steps to make it all doable

✔️ Quiet financial wisdom that brings peace

✔️ How to shift your money mindset — for real

✔️ Habits that will help make your life better

✔️ Why budgeting isn’t punishment — it’s power

Everything is ready for you in Google Docs – easy to access, edit, and use.

When you get your copy of Smarter Sweldo, you’ll also receive:

✅ 1. Reduce Debt Now!
A practical, no-fluff worksheet designed to help you take action immediately.
List your debts, track payments, and create a doable plan to finally break free from utang.

✅ 2. Expense Tracker (Printable & Editable)
Know exactly where your money is going.
This tracker helps you monitor your spending daily, weekly, and monthly — so no peso goes unnoticed.

✅ 3. Self-Reflection Worksheet: “Why Am I Always Broke?”
A powerful tool to help you pause, reflect, and uncover the habits and beliefs keeping you stuck.
Because awareness is the first step to real financial change.

✅ 4. Wise Budgeting Worksheet
A beginner-friendly budgeting guide to help you plan your monthly sweldo with clarity and intention.
Built for small incomes — so you can finally make your money last, with zero overwhelm.

📌 All bonus tools are designed to help you not just read — but take action.
You don’t have to figure it out alone. These tools will guide your first steps to financial peace.

🔑 This Ebook is For You If:

• You feel like maliit lang yung sweldo mo

• You’re tired of always being broke

• You’ve taken loans for parties, holidays, and other unnecessary expenses

• You want to be debt-free someday

• You want peace of mind when it comes to money

• You’re ready to stop surviving — and start planning

For the price of one coffee date…
you can start changing the way you handle money for life.

Smarter Sweldo is more than just a book, it’s your guide to finally breaking free from always being broke.
It’s the mindset shift, money wisdom, and daily habits you wish someone had taught you sooner.

And for only ₱499, you’ll get:

• The full Smarter Sweldo ebook

• All 4 actionable bonus tools in editable Google Docs

• A clear, motivational plan to take back control of your sweldo