Tip on saving. Have a purpose or reason why you're saving. It helps you say no to any expenses that aren't related to the goal. Any goal will suffice. Also mas maganda if you're savings rate is at least 10%. This allows you to save without cutting too much on your daily expenses and hindi mahirap mag adjust. I'd also recommend a classic "Richest Man in Babylon", which is a very affordable book and may free audiobook version rin dito sa youtube which is good to listen if you're doing menial tasks at home, school or work.
Magandang mga punto!
Tip on saving. Have a purpose or reason why you're saving. It helps you say no to any expenses that aren't related to the goal. Any goal will suffice. Also mas maganda if you're savings rate is at least 10%. This allows you to save without cutting too much on your daily expenses and hindi mahirap mag adjust. I'd also recommend a classic "Richest Man in Babylon", which is a very affordable book and may free audiobook version rin dito sa youtube which is good to listen if you're doing menial tasks at home, school or work.
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