As you build up your savings, your need for financial literacy a planning also increases. It is important that you start your financial plan now before it is too late. You must first know where you are before you set a financial goal. You cannot make your money work for you if you do not know the tools that can help you. Learn how you can reach your financial goals. And make sure that you do everything to reach to those goals. If you have some money saved, then you already understand that saving can be developed into a good habit. It is difficult to start but once you strictly follow a savings plan, it becomes easy. Remember you need to have one peso first before you reach your first million. You can image how much more you will earn if you work harder as you work smarter?