save now, not later

Most of us Filipinos doesn't really have the discipline to save. Most of the time you hear a person say, "I will save later when I get a better job or I get a better or higher salary than what I am receiving now." They always blame to their low income why they cannot save. But, it's not the income that is really the reason. The main culprit is not having the discipline to save. It doesn't matter how big your income is, if you don't have the discipline to save, then at the end of the day, you'll still end up not being able to save. Why? It's because people who don't have the discipline to save tend to increase their spending habits when their income increases. That's a fact. So, no matter how high their salaries are, they still have no savings at all. But, if there is discipline, then big or small salary, there will always be something saved. Anyway, why do you have to save? The answer is obvious. You are not going to work forever. Even if you want to, that is just not possible. What company will continue to hire a 66-year-old person? Let's say the law allows it. But will the company hire a 66-year-old man instead of a person in his/twenties? Let's accept it. That's the fact. YOU CANNOT KEEP ON WORKING FOREVER!!! And what happens then, when the time comes for you to stop? What if you don't have the money to survive your remaining years? What if you can only sustain yourself for five years but you will live for 15 or 20 more years? What will happen to you? Stay in the corner and wait for someone to hand you some change just so you can buy one piece of pan de sal and wait for more change just so you can buy a glass of drink? Friend, do you really want this to happen to YOU? You can actually prevent it from happening. And the time to do that is NOW! Not tomorrow, but NOW! Tomorrow, I will tell more about this very important duty for everyone. That is to: SAVE, SAVE, SAVE!