The Money Jars by T Harv Eker

Rona Bartolini | 3rd Edition: October 21, 2014

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Rona Bartolini | 3rd Edition: October 21, 2014

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Charity (GIVE Jar)

Tithe (or a tenth according to Jewish history)
Here's a quote from Robert Kiyosaki's book, "Increase Your
Financial IQ: Get Smarter with Your Money":
As far as tithing goes, we continue to donate a large percentage
to charitable organizations. It's important to give. As my very
religious friend says, "God does not need to receive, but
humans need to give." Also, the reason we give is because
tithing is our way of paying our partner -- God. God is the best
business partner that I've ever had. He asks for 10 percent and
lets me keep the other 90 percent. You know what happens if
you stop paying your partners? They stop working with you.
Recommendation: 10% of income and more (for offering)
Rona Bartolini | 3rd Edition: October 21, 2014

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Rona Bartolini | 3rd Edition: October 21, 2014

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Financial Freedom Account (FFA Jar)

Money used for putting in vehicles that will produce

passive income passive income versus active income:

your salary is your active income.
Passive Income is income received on a regular basis,
with little effort required to maintain it.
Examples of passive income: earnings from stock
market, real estate (rentals), profit from businesses
after ROI
Recommendation: 10% - 20% of income

Rona Bartolini | 3rd Edition: October 21, 2014

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Emergency Jar (EMER Jar)

Value: 3 to 6 months worth of monthly expenses
Define what emergencies are to you (buying an item
because it is on sale is not an emergency--that
belongs to another jar)
Recommendation: 5% - 10% of income

Rona Bartolini | 3rd Edition: October 21, 2014

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Rona Bartolini | 3rd Edition: October 21, 2014

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Long Term Savings for Spending (LTSS Jar)

Fund used to buy items that are expensive like a car,
a piano, a trip overseas
Another variation of this jar is for paying (annual)
insurance premiums or paying off loans
Payment that will take 6 months, 1 year or more,
may be considered a long-term expense
Recommendation: 5% - 10% of income

Rona Bartolini | 3rd Edition: October 21, 2014

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Rona Bartolini | 3rd Edition: October 21, 2014

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Education Jar (EDUC Jar)

Fund used to further one's education on financial
literacy or self- improvement
Books, seminars, audio books
Recommendation: 5% - 10% of income

Rona Bartolini | 3rd Edition: October 21, 2014

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PLAY Jar
You burn this jar, that means, you get to consume it
on anything that is fun and gives you happiness like
retail therapy (shopping).
Recommendation: 5% - 10% of income

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Suppose the allocation of all the jars above is fixed at

10% each.
Then,

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What's left is:

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Necessities Jar (NEC Jar)

Bills
Food
Fare
Other Needs
Living Expenses

What's left after paying yourself first is 40%.

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Kulang ba?!
What can you do?
Spend below your means: do not spend more than
what you can afford
OR increase your income. Get a sideline job on top of
your full-time job
When you receive extra income, apply the Jars
method pa rin

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P.S. 1. I'd like to invite you to do the 5K Stock Market Investment

Challenge. Go to
https://www.facebook.com/ronajoan.s.bartolini/posts/10152716776028419

P.S. 2. If you want to be a member of the Truly Rich Club, then go here:
http://bit.ly/bartstocks
P.S. 3. If first you want to know about the Truly Rich Club before joining,
we have a once-a-month orientation called Truly Rich Club Quickstart.
It happens every 1st Sunday of the month and it just started last April
2014.
To know more, go here:
http://www.trulyrichclub.com/quickstart/

If you wish to sign up for TRC Quickstart, just message me on Facebook:

https://www.facebook.com/ronajoan.s.bartolini
Rona Bartolini | 3rd Edition: October 21, 2014

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