Start Saving Today and Live Your Dreams Tomorrow

source: Yahoo! images
Since I have attended Pesos and Sense's seminar, "Make Your Money Grow", I received an email from them and let me share it with you.

Start early!
When it comes to saving money and investing for your future, it’s never too early to start. Every payday, most of us are faced with the dilemma whether to start saving today or put it off until next month.

Here’s a story of a young man who knew that he could earn more for his future by starting to save earlier.

At age 22, Ping took the first steps in making his money grow. Every month, he saved P2,000 of his monthly income. Then he placed it in a good and stable investment that gave 10% compounded interest yearly. He did it for 10 years until he was unable to add more to his investment and forgot about it.

On the other hand, his friend Pong took his sweet time before investing. He waited until the age of 40 when he had money to spare. He followed the same steps but he doubled the amount to P4,000 so he could catch up with Ping.

Reap the rewards!
Twenty years later, at the age of 60, Ping and Pong crossed paths again. Can you guess who had more money?

Remember, Pong invested late but his P480,000 was TWICE as much as Ping’s initial contribution. With 10% annual compounded interest, Pong’s investment became 2 million pesos.

But Ping, who invested EARLIER, gave his money more time to grow. Even though he stopped putting in money after a while, his money continued to earn interest. Although his total investment was only P240,000, at 10% annual compounded interest, his earnings reached 6 MILLION pesos. THREE TIMES the amount of Pong’s earnings!

Start early. Earn more. That’s smart investing!  

What should we start doing early so we can earn more?
Save regularly. Set aside a portion of your monthly income regularly for the specific purpose of investing. No matter how small, the key is doing it regularly.
Spend time to learn. Knowing the different kinds of investments available to you is beneficial to making your money grow. Find out what your options are and choose the one that best fits your needs.
Focus on your goal in life. Whether it’s getting married, living in your dream house, driving your own car, travelling abroad, or retiring comfortably, you need to establish SPECIFIC financial goals. Write them down to constantly remind you to make saving and investing a priority. Discipline and focus are the keys to achieving your dreams.
Start early and use time to your advantage to achieve your financial goals. Time is money and if we start investing early, our money will start growing too! 

3 Things You Must Start Doing Today
1. Discipline. Setting aside a part of your monthly income is difficult, but as the old saying goes, “Kung walang tinanim, walang aanihin.”
2. Acquire Knowledge. Don’t place your money anywhere--know your options. Take time to learn how to invest in the stock market, mutual funds, and in other investment instruments where you can grow your hard earned money.
3. Do it now. The sooner you invest, the more time your money can grow. Never delay like Pong who waited until it was convenient. Start now like Ping. 

If you want to know how to maximize your time and grow your money, attend the Pesos and Sense Seminar Series!  Aya Laraya will teach you how to make the best use of money for your investments and show you why time is your greatest asset. Buy your tickets now and avail of the early bird rate.

Visit or for more information.
Investments made easy for you
Saturday, October 20, 2012 
Batch1: 9:00AM - 12:00PM
Batch2: 1:30PM - 4:30PM
Because time is money
Saturday, October 27, 2012 
1:30PM - 4:30PM 

"No matter how hard you work, your money can work harder." -Aya Laraya


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