Cut costs on the things you don’t need now, to get the most important things you need in the future: kid’s education, house, car, dream vacation, retirement and health care fund.

You can make a fortune by making small changes today.

Do you drink softdrinks? Twice a day? Everyday?
Do you buy hot coffee? Twice a day? Everyday?
Do you smoke? A pack a day? Everyday?
Do you have your hair fixed? If straight, curl it. If curled, straighten it. Every month?
Do you eat junk food?

Think about non-essential sale items. Many buy P 1,000 non-essential sale items per month. Times 12 months is P 12,000.

Is P 12,000 a large amount for savings? It probably is!

Think about softdrinks. Softdrinks probably cost P 20 per can. Twice a day is P 40. Times 30 days per month is P 1,200 per month. Times 12 months is P 14,400.

Is P 14,400 a large amount for savings? It probably is!
Is P 20 a small amount to save? It probably is!

Think about cigarettes. It probably cost P 50 per pack. Times 30 days per month is P 1,500 per month. Times 12 months is P 18,000.

Is P 18,000 a large amount for savings? It probably is!
Is P 50 a small amount to save? It probably is!

Think about junk food. Junk food probably cost you about P 100 per pack per day. Times 30 days per month is P 3,000 per month. Times 12 months is P 36,000.

Is P 36,000 a large amount for savings? It probably is!
Is P 100 a small amount to save? It probably is!

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But if we do not want to completely give up softdrinks or junk food, or cigarettes or non-essential items, maybe we can just cut-down? Half the annual amount is still a lot of money!

Resolve to cut down on a lot of small expenses. Small savings many times, over the days, over the months, over the years will allow you to save a lot of money!