My Top Up Diskarte

          I confess... I'm not a disciplined saver & I don't follow the principle that most of the financial experts suggested because I simply can't. I tried to do it last year but I failed.

But I save... I save and invest now regularly in my mutual funds.
I save as much as I can, whenever I can, and in every possible way I can.
But this time I do it and think of it as a challenge and not an obligation.
Why?.....Simply because I have a TARGET GOAL to reach.

          It was last year that I opened 2 mutual funds since then I have been committed to make monthly top up on it and already set a specific goal in my FAMI & Philequity Fund.
          And through my magic orange plastic can here, that has a lot of gold inside (just kidding I just placed some of my 25cents there), I was able to save continously (hindi po yata ako maswerte sa alkansya or maybe just a coincidence that something bad happens when I save money in a coinbank/alkansya).

This is where I put all my extra earnings I made & allowances I save.

And every payday I add some of my salary to complete my 1,000 monthly top up.

So whenever I have an extra allowance, I put it there.
Whenever I received our company monthly incentives I put it there.
Some of the cash rebates & cash reversals I had from my credit cards,
some of the cash gifts I had last December, some extra earnings I made,
and some of the income I had from the lending racket were always put inside that orange can.

          And the challenge is that every payday I need complete the amount to Php 1,000 so the next day it'll be deposited to FAMI & Philequity. No need to compute for 10%, 20% or 30%, just the thought of completing it encourages me to make a monthly top up.

My monthly top up visual

Yes, that's my monthly top up visual sample and I have been doubling my effort to save on my mutual fund just to reach the target 20k this year.
I'll be requesting for another cash rebates on my credit card this month (I think my points are qualified again).
I'll exchange my $10 bill tomorrow, kelangan mapakinabangan na, heheh.
I'll try to do some referrals in one of my credit card, my cash equivalent e.
I decided again to make some cash loans again for my lending so I can earn a little interest from it.
And I pray sana magkaron na ulit ng delivery ng basahan ang kuya ko, heheh.

My focus will be shifted next month if my plan to study will pursue.
Guys, I need your prayers, "Sana maaprubahan ako after ma-evaluate ang transcript of records ko para ma-ladderized to BTTE course". :) :) :)

Saving 10%, 20%,30% of income is good.
But when savings is treated as a challenge, it becomes fun and easier.
And since I have a target goal to reach, my mind is already set for it.
For the reward in reaching those goals is a brighter future ahead.


Just in the mood of sharing again!
Happy Saving & Investing!
God Bless Everyone.......