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Many of us wanted to have enough savings for the future but there are times that no matter how much we try we still end spending all money we have specially now that daily commodities increasing daily but our salary remains the same. I based from my own experience opened savings account over the past years but end up closing it because I used it somewhere else. Plus the fact that placing it inside banks right now doesn't pay that much. Food, house rent, clothes and everything around us seems to increase price each and even if we work overtime still we end up paying bigger taxes much bigger that the actual pay of our overtime funny but true.
On the other hand if you are not good enough in saving money probably you are good in doing something else. In my case since I am not good in saving money because if a friend or a family member needs it well I end up spending it with them and most recently the savings I got I end up using it for the hospitalization of my cats unfortunately they died. Since I am no good in saving money I look for something else where I can spend my money but I'll be able to use it in the future. Just last March 2014 after 7 years of sacrifice I was finally able to pay and get the deed of sale of a small property I bought. I told myself okay this is good now I need to save money so I can start in two years the dream house I wanted. Oh well unfortunately I always end up being ripped off every payday. So when I learned from my co-worker that the house and lot she is currently paying is just Php. 1,900.00 higher than my rent I decided to go for it instead of renting monthly and getting nothing in return. It was really hard for me to pay for the down payment because it is equivalent to my 2 months salary if there's no tax and other deductions but roughly it's almost 2 months and 15 days worth of salary. I had to cut all my expenses and really it was the hardest 3 months just to save up for the said down payment but I was able to do it. In my mind it's for the future. Soon I'll have my own house without worrying that rent will increase. Though technically I still need to pay for it for quiet sometime since I don't have a very big amount of money to pay for it in one blast. At least it will be mine soon I have been renting since 2008. Imagine how much it was over the past 6 years if only I discovered it earlier:) But it's better late than never right? As of the moment I am just waiting for the turn over of the house and soon I'll be enjoying all the benefit of owning it!
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