By Vic and Avelynn Garcia

Last week, I introduced to you the first two types of the four Money Managers—the “Survivor” and the “Pretender.” The Survivor, as I described in Part 1 of this article, is the type of Moneyger whose expense level is almost just equal to his or her income level. Meaning, if he is receiving P10,000 a month, he also spends P10,000 for his monthly expenses. Remember the Glory Gaynor song I shared with you? That song represented the true Survivor is.

How about The Platters’ hit song “Oh..oh, yes…I’m the great pretender…”? This original rendition described best the second moneyger who pretends he’s doing well with his finances when in fact wala na pala siyang pera! A pretender is a person who would like to believe that his earning will be able to cover his overspending habits anyway…but soon ends up in debt.

Having given those two moneygers, have you determined the type of Money Manager you are?

If wala pa rin diyan?! Okay, here’s another one! Let’s go OPM, this time! If you are an 80s person and you love Original Pilipino Music, you probably loved to hear Kuh Ledesma’s famous single then, “Dito Ba?” I am so reminded of this song each time I tell the participants during our seminars, about the third Money Manager, the “Seeker.”

Dito ba, dito ba, dito ba, o dito ba?

Ang dapat kong kalagyan

Na isang sulok kong hiram

Sa ilalim ng araw…

For the seeker, there’s a different version of that song, the words of the song can  change to something like this:

Kuh Ledema’s version: Dito ba,  dito ba?, dito ba, o dito ba? Ang dapat kong paglagyan?

Sabi ng mga babae: SM ba, Glorietta ba? Rustans ba? O Landmark ba? Ang dapat kong paglagyan?

Sabi ng mga lalaki: Alak ba? Sigarilyo ba? Babae ba? O Gadget ba? Ang dapat kong paglagyan?

The Seeker is a person who has excess money but does not know where to invest his or her money properly. So what is the cycle of the Seeker? They earn, then spend, then they will have surplus or excess money.  And you know what will they do after? They will seek! Maghahanap sila ng pagkakagastosan!

Instead of planning to save money for the future, seekers end up wasting their money on things they thought were investments.

The fourth kind of Moneyger is what I call an “Unleasher!” This is definitely the kind of Money Manager you should become—everybody should become! And of course, if the first three have a theme song, the Unleasher has a song to sing too! Remember Disney’s Aladdin theme song?

I can show you the world

Shining, shimmering, splendid

Tell me princess, now when did

You last let your heart decide?

I can open your eyes

Take you wonder by wonder

Over, sideways and under

On a magic carpet ride

A whole new world

A new fantastic point of view

No one to tell us no

Or where to go

Or say we’re only dreaming

A whole new world

A dazzling place I never knew

But, now, from way up here

It’s crystal clear

That now I’m in a whole new world with you…

An Unleasher is a person whose main mission is to unleash the highest potential of his money thereby paving the way to a life of success, happiness and significance.

If you want to be an Unleasher I will not only teach you how to be financially successful and happy at the same time. But there’s more!!! I will not only to teach how to be financially successful and happy but to live a significant life!

You might be asking what is the cycle of an Unleasher? The first step is to earn, then save, then invest and only after you have done the 3 process then that is the only time that an Unleasher spends then earn again, then save again, then invest again, then spend and the cycle continues.

I hope you already know what type of Money Manager you are. If you are a Survivor, Pretender or a Seeker, it is never too late to change your lifestyle now.

Learn to be an Unleasher as you follow my articles. I will teach you the power of systematic investment and see how your money will grow!

The Bible clearly says, “… he who gathers little by little makes it grow.” Proverbs 13:11

unleash-money-cover(Excerpted from Vic Garcia’s upcoming book Unleash the Highest Potential of Your Money)

Vic Garcia is currently the President and CEO of Unleash International Corporation, a high-tech, high-touch, high-impact training company whose main mission is to unleash the highest potential in people towards success, happiness, and significance through licensed and originally authored, world-class, high-impact training programs.

Vic has been in the business for more than 20 years and has gained the trust and confidence of countless organizations. He is also the author of the Unleash Workbook and Unleash Learning Systems. His area of competence varies from work and life improvement, financial management, leadership, system, productivity, teambuilding, and other specialized seminars that will unleash the highest potential in people. He served as a consultant and a management coach to a number of CEOs and leaders of different companies. He is often invited to different television and radio programs to share his expertise in unleashing the highest potential in people.

Learn and apply practical ways of effective financial management through easy and doable techniques when you follow this series weekly. Follow Vic on Twitter, @UnleashMoney. Also visit and Unleash International on Faceboook,