Is it right that we accumulate our income From our hard work? Actually the right answer is Yes! But why do many of us work but have no savings? This is because their expenses are not calculated so that they reduce their income in other words. If you are a worker in SM who earns 7,500 pesos per 1/2 month it seems like a large amount if you add it up but your computational should be like this 7,500 pesos / 15 days you will earn 500 pesos per day I will less the expenses you have breakfast, lunch and dinner Let's say it's 150 all and what's left is 350 then you subtract your water and electricity per day Let's say 50 you'll have 300 left and your fare to and from your job is 100 pesos It doesn't matter if you only have 200 left over per day if you take a bath or buy bath soap, shampoo, shoe detergent, condiments, iron your clothes, perfume and other personal hygiene items, what else will you have left? the government deducts from your salary such as SSS, PAGIBIG F