For someone who is working on sourcing out capital or planning to venture into business, saving is a must. It lets you accumulate and set aside extra funds for the needed capital of your business. While identification of wants and needs is an essential part of saving, discipline comes first. There are a quite number of saving method published both by professional and bloggers alike on the internet, but the one you must choose is the one that can actually work effectively for you.
Personally, I have made my share on this and come up with some unnecessary expenses I have been incurring for the past months that could have been thousands in pesos by now.
Personally, I have made my share on this and come up with some unnecessary expenses I have been incurring for the past months that could have been thousands in pesos by now.
If I could have avoided these expenses for the past three months, I would have accumulated the minimum requirement for a time deposit here in Singapore (according to PNB, minimum time deposit in the Philippines is Php25,000). Assuming I will roll-over the time deposit after the fixed term and add my accumulated funds for the next three months, the higher the interest I would have earned. Let's take a look at this figures:
I myself was totally impressed by how money could have grown. And this savings came from cutting of the unnecessary expenses alone - 21% for one year compared to the normal savings interest of .25% per month or 3% per annum. What more if I would have a regular monthly savings and the same I will add as time deposit?!
The interest rate would be the same but the point here is, your money is not sleeping but is actually working for your advantage.
Please take note that saving is a personal choice. So there are methods out there that might be effective for some but not for you. So choose the one that is best suited to your financial condition and which you can follow religiously.
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