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OVERVIEW
Miriom College students typicolly spend their ollowonces on five things: food,
tronsportotion, cell phone prepoid, school requirements, ond shopping. Food ond
tronsportotion, being unovoidoble expenses, toke o big chunk off their overoge doily
ollowonce of 200 Pesos. School requirements olso bring obout unovoidoble expenses
(e.g. Photocopies, school projects, required donotions, sqnctions). Cell phone prepoid
hos become o necessity, ond shopping is every girl's fovorite octivity.
ln ierms of soving hobits, these students moy be broodly clossified into three: ('l)
those who sove for shori-ierm gools, (2) those who sove for long-term gools, qnd (3)
ihose who do not sove qt oll. Students who sove do so through different woys such os
consciously leoving o certoin omount of money qt home, poluwogan, budgeting,
keeping excess ollowonce, ond even skipping meols. Those yvho do noi sove, on ihe
other hond, either connot sove becouse of too much expenses or they just do not woni
to' .,
Most of these students sove for short ierm gools like buying whot they wont or for
gimmick with their friends. Only few ore considering the importonce of soving for their
future. The former either rely on their bonk occounts funded by their porents for their
future, or worse, they do not cqre oboui their future finonciol heolth. But becquse
torgeting io chonge this perspective requires o more comprehensive siudy ond heovier
efforts, this compoign will primorily focus on those who ore hoving o hord time soving
up or those who do 1o'l
olreody do.
While giving suggestions on how to sove for iheir short term gools, it will indirectly
influence them on soving for ihe long term ones becouse it is just o motter of
perspeciive; the gools chonge, the process does not.
RATIONATE
Developing o hobit of soving ond controlling their spending os eorly qs now will prepore
the studenis for hondling their finonces when they g$cduqte from college. lt will spore
them the trouble of wonying their broins out oboui how to survive in the world out there
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APPENDICES
tiltm
ABOUT THE CAMPAICN
This campaigin aims to devellop a healthy habit of savinq amonng ilhe
Miriam Colilege students, emphasiziflg its importance arid benefiis- lt
oonoentrates on presenting basic and easy-to{rasp ooncepts about
spending and saving thfougih a difrerent apiproach.
I
We ailll have difierreint reasons for saving. Be it ff mat pretty dress you
saw at the maill the otlher day or a vacation triptn a [onrgterm goal, we
have some tips that you miglht f[nd,useful in savinrg tlp mooilailr'
..you will find there is
satisfaction in
rational shving
than in irrationaT sper?dj.ng. "
-The Art of MoneY Getting,
by P.T' Baqnum
1
Jolflr rHE 30-DAYFRUGAL LrvrNG
CneTLENGEIHERI,S
,,
HOW
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'trcueldLlq puE ailsap aq1 o1 ur anr6 sAe*p a1y1 unsalJaneu
ai lnq 'au4 eqt 1E sn ol suadldeq s,ql 6quinq aqndut lo esln3 aLfl1
'sa{ 'q6 aI tL06r$q noI qlea uo Aq6it gasrrrci( yse no,{ 'auroq 1a6 no{
luauo{x ew usr& pr.le aqndr.ut uo 6uqgauos lq6noq .reaa no,.{ anep
5NIAnfl lSlndWI louINO)
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zt
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papr.rrold acedis 6ql rlo q aauEmqp rnoA qcntu r,roq ap A ('A[Wmtn
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sounes 6976
(edep s io1 CIed rE) 6u1ya1 paiturrlufl le
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sngtigA
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poe& e ple4e sql,uoq ,ter1 aS sr soueleg erun q au& uoll j$es,
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6tl1r1sltA pl.re 1qap tq daaetsetp ,tep auo din 6I"Arr ol lu€!{,i Luop no1
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.+
,i.l (svrhsocs)ffiffi1fi4s F'rtrl&!ffiI
llN:lYl:l:lld lVnI)Y NYld AHOl):l.tV:) tlNl(lNildS
dll Y S,IU:IH
ON BNTNKING AND STARTING HABITS
rt
fJ lartirg a habit is no simple task. Breaking one is a ufn{e
differ€fit story. Oft€in, starting a hablt m€ans keaking arno&er, and il
won't hrypan overnight. .lfs a process ttrat reqrxres patier,lce a,nd 'diis-
cipline, among ofters" But don't be discouraged. lt's a fact of Life tftat
we lrave lo acfinoradedge, and ifs the way lrc bok at it lhat rnatters.
llts not easy, hut ifs not irnpossible.
Here are sorne guidslines to help you get started:
1e,crt.rowlEDcE THE NEED
Asknoxfledge the need to ctrltrd yoilr spendi*g and irrprove
oin ye.rr saving thabits- List doirvn tfe r,easons vrhy you thir*
yor need to llrave a heatthy hahiit of saving and whal benefits,it
will give you.
SET A GOAL 2
Ihink of t,fial yor want to actrrieve wd set ytx"rnrind sr a.dhiev-
ing Slat goaL Ackno$dedging tte need ie not eflu.rgh. Yo,u neEd
io {ollow lftrough with an end goal afld the wBl to get there. i/fiie
down yaur goal and th€ step yori have to take to achieve it.
FIND OUT WHAT KIND OF sPINDERYOU ApiI,
TAKE THE CITIIZI
1. Wh€n N'rn at lfre ma$ and I see sorne$ring I redly like. I...
a. buy it wfiatever it tales. {spend eve*ythhg yan have, bwrow
*te msney, etc.)
b. bny it if I can affod it
c. think about it tirst" think abo.rt it some more, th€fl decide.
d don't fuy it no questions asked.
2. I hry crfuinal b,rryrded c*rcthes and other accessories
a. very ofien.
b. ofienn.
c. rarely-
d. nwer. I rately buy dothes or accessories.
3. Dufhg schoo! days. I eat out in restaurants..
a. rnore than once a week.
b. at least once a week.
c. occasiondly.
d. rarely.
GOAL
whv ,do i fi,Eed to save? Steps to lake:
htrhat rror{ts forme?
4
3 nu nrscrPr.rNED
Now ttnt you ,have a goal
and lfre intent t0 achiwe it,
ysJ rl?jsl rernain discri$krad
throughout$e prof,ess"
Expsct selbacl$. The tkEl E'!,v
days or weo*s rnight be hard.
hut juct iher6 rn fiere. Atitlle
satyifica freire ard there will
'do wqderg in the lrorlg run.
KI.JO}Y IATT]AT ITORKS 4
FORYOU
Thereis noexact fronrula that
unorrksfs eyeryqre, so yor have
to knoyv ihat worr($ {or you. You
€ain hB given diff€rsnt sugges-
tlorr,6 ofi hsr/ to save rnofley but
nome wsu*d,wofk because none
zuits you.
4. I go out on Eimrnict<s witil rny {riends.'
a. 'more than once a tupek.
h. at least snce I ,E€k.
c. ocwsisldly.
- ral.ly.
5. I saye up fitr|ey...
a- ior things I want. to huy a{}d br$eistlre-
h- rnosflyfo$ings { }Alant and wne f*r the fuhr*e-
c. rmosuy far the future and sorne ior the lfrings I want.
.d. mos$y for :fte future amd hardiy ever fo tfie trings 1 want.
($ee IeSrJiliE ne*page)
6o.tt*g trw*:g is *& r/$,V$lng $,ilrt a ileerll€;
qrculing il iu /r* {{.,a|€r soa{rng inle scmd.
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PR Campaign

  • 1. OVERVIEW Miriom College students typicolly spend their ollowonces on five things: food, tronsportotion, cell phone prepoid, school requirements, ond shopping. Food ond tronsportotion, being unovoidoble expenses, toke o big chunk off their overoge doily ollowonce of 200 Pesos. School requirements olso bring obout unovoidoble expenses (e.g. Photocopies, school projects, required donotions, sqnctions). Cell phone prepoid hos become o necessity, ond shopping is every girl's fovorite octivity. ln ierms of soving hobits, these students moy be broodly clossified into three: ('l) those who sove for shori-ierm gools, (2) those who sove for long-term gools, qnd (3) ihose who do not sove qt oll. Students who sove do so through different woys such os consciously leoving o certoin omount of money qt home, poluwogan, budgeting, keeping excess ollowonce, ond even skipping meols. Those yvho do noi sove, on ihe other hond, either connot sove becouse of too much expenses or they just do not woni to' ., Most of these students sove for short ierm gools like buying whot they wont or for gimmick with their friends. Only few ore considering the importonce of soving for their future. The former either rely on their bonk occounts funded by their porents for their future, or worse, they do not cqre oboui their future finonciol heolth. But becquse torgeting io chonge this perspective requires o more comprehensive siudy ond heovier efforts, this compoign will primorily focus on those who ore hoving o hord time soving up or those who do 1o'l olreody do. While giving suggestions on how to sove for iheir short term gools, it will indirectly influence them on soving for ihe long term ones becouse it is just o motter of perspeciive; the gools chonge, the process does not. RATIONATE Developing o hobit of soving ond controlling their spending os eorly qs now will prepore the studenis for hondling their finonces when they g$cduqte from college. lt will spore them the trouble of wonying their broins out oboui how to survive in the world out there
  • 2. sloor{cs JCIr.llo *ori t1r"pryg - fuopuocos quepn+5 eOailof, ruDUlW - fuburug s3n8nd 'r(euotr uo dn sADs o+ r"r,g"p,ndpuo sdrl e;qodso.r6 {tsoa +ueseJd 't 's+!qDq Oulnos ,sluepn+s eq1 ero.tdt"ttl.to do;e^aq 'Z 's6ulnos llqluour leql OursoaJ?ur sJoJeJeql 'Ourpueds {qluour ,s+uopn+s osoalcag 'I st^lrllreo 'e1Ds no{ qcnur /(oq s,11 rovssSvt Ar) 'dopo1 sllnsor trlra+ Uot1s eql Aolue uocgteUl 'oln+nl eq+ u! peddlnbe re{+oq eq ol +lqoL,l s1q1 Ourdo1e^ap o[t-,U!'snld 'lqop ur deep:"1seqc 6u41e6 ulo.t1 ureq+ deel puo .s,f
  • 3. 'o+oldrxo+ +oopnq puo Jal3ol+ osuodxe uo puo'qsoc uo dn eADs ol /vor.l uo sdr+ ouJos'(mo1eq ees) e6ue;loqc ,bp-ge oq+ +noqo +ueuecunouuo uo 'uDrodrxoc oLll uo punol0)coq lopq o opnlf,ut s+ue+uoc st+ollooq eq1 '6uo; se6od Zt puo ozls ut (poe.rds sor.l:>ut gxgt)seqcut gxg '6ur1eeu.r lsru or.l+ 6uunp seurl+no osrnoc eq+ L,l+lrvr 6uo1o slosselo.rd {q pelnqu+slp eq llt/v +t '+el)ooq sq1 uent6 oJo sluepn+s +souJ +oq+ ernsue o1 'roeA loor.,l3s r.l3oe ;o Ouruur0oq oLl+ +o opt/v 1oor.l3s pe+nqu+srp oq ll1rvr lotl+ loo+ 54 fuor.uud s,u6rodr.uo3 or.,l+ so oruos llt/( +al)ooq oql (u0tsep puo '1nor(ol 's+uo+uoc lol se3tpueddp ees esoe;d) i6lI66E sloor ud 'secrpueddo ees osoold lI8vrlWtr 0fs-6FoT oL 551( co) { 0e'918'r (e1or e6uoqcxo dHd-csn uo Ourpuedep) 9g'lt6 et!s {dspvv secud prode:d oqolC propuo+s puo s+uoLuLlsllqolse pooJ uoundrloy 009'91 " 008'l s+es z sezlrd EHJDU xu+ou_iielul @z'l (cd/os) oog ZL sreurDe4s {r3 olenzuelDn 'sctu.rour(q +oa/vs 000'98 (>d/tr) oos'zr 009'z slePlooS reggddng lDlol roa1fiso3 roe;ul{lguonp IIOOns
  • 4. G /15^loor13s +xeu aL,l+ puo ser+rlr+co +xeu oLl+ rol u0rodu.roc eq1 enorduJr roqpn1 I r!or.l+ anrO o1 paOornocue oq llr/v s+uopnls or-ll 'sloo+ ud ler4+o eL.l+ Ou1.rolruoru o so eruos llr/vr o+rs srr.l+ uo a6od >looqpaeJ aq+ puo srrratn e0od q6norqg ro+ruol! o+ lsarsoa eq+ s! elrs A;dr1;nw aql NO[Vn]VAl '+allooq s,roel, Ourrnollol oL{l u! puo olrs ,!d111n61 oll+ u! porn+ool oq lll/v sluodrcrl.rod in;sseccns 'sll{+ oAarL{3D ol )ool ,{eq1 sernsoeLu oq+ pup 'o^os o+ alqp ale/v {eqg AeuouJ Jo +unoujo eL,ll 'pJo3or ror.l+ +ueserd lllru sluodrcrpod eq+ 'e6uelloqc eL{l }o pue eq1'1f,'sAop 0e lo} +el)ooq oL{+ ur poprloJd ralcorl esuadxe eq1 Oursn procor dllop o dee>1 puD sesuodxe:req1 uo u/vop +n3 o+ anpLl ;;rrvr s;uodrcrijod or-,ll 'crsoq fuen sr e6ua1;oqc eq+*o sctuDqceu aql 1e4rot-tuedns s.uo+sn5 puo 'a;zld s,r(e1oqg 'sle+sood sre6oX ,(uue; 'ee1lo3 s)3nqJo+S 'aoJlo3 +sog s,el++oas 'qof,/volloA 'AoE tloAuel '6u!) odol 'esnoH o)ocuod :epnlcul s+ueulqstlqo+se poo3 'prodeld eqo,C Jo tlyo/ OOld puo anuanv uound4oy 6uo1o s+ueurqs,tqp+ss pooJ LUo4 sa+orlJ!+rec +lt6 lo L4yal ggg4 :azud p,g 'prode;d aqolC Jo r-l#o^ Ned puo anuanv uound4oy 6uolo s+ueurqs4qD+se pooJ uro4 se+oc,J,Jree +J!6 Jo L.lyo/ ".00A 'ld :eztd p,Z 'proderd eqolC Jo r.lqo''l' 00gd puo enuonv uoundrloy 6uo1o s+uau/qs,,qp+so pooJ uorl se+oaJ,rre3 +JI6 Jo r-Nat 00g 'td :eiua +,1 '/voleq uerr6 srsezud or,l+ lo +s; e1e1duo3 v 'sezud io qporrr 000'zd o+ dn urm o+ acuorlo eLlt uJeql Ournr6 'elJJor o urol o+ LueL,g el+r+ue 1;rm Ouuelsr6eS 'e0ua;1oqc . r:'i slr.{+ ul elodrcrglod ol repro ur ssecold uorlo.rlsr0er elduls o q0norql oO ;;trvr s+uopn+S
  • 5. APPENDICES tiltm ABOUT THE CAMPAICN This campaigin aims to devellop a healthy habit of savinq amonng ilhe Miriam Colilege students, emphasiziflg its importance arid benefiis- lt oonoentrates on presenting basic and easy-to{rasp ooncepts about spending and saving thfougih a difrerent apiproach. I We ailll have difierreint reasons for saving. Be it ff mat pretty dress you saw at the maill the otlher day or a vacation triptn a [onrgterm goal, we have some tips that you miglht f[nd,useful in savinrg tlp mooilailr' ..you will find there is satisfaction in rational shving than in irrationaT sper?dj.ng. " -The Art of MoneY Getting, by P.T' Baqnum 1 Jolflr rHE 30-DAYFRUGAL LrvrNG CneTLENGEIHERI,S ,, HOW & mo%e
  • 7. sqf U AJINNWWOf, rNrlNO rHr NrO[ rlI ()3' Al d !+ lnur eAosno^q 3nLUA ot"{ s+! s.ulHro woui NEw] sctNilxJ ^llli rlly{ sI)N]IUIdXI UnOA EtsVHS {ressacau ,{gpa.r ueq,t asrnoo 1o ldlacxe 'sa{xrt llE le pspo e aq 1snul la6pnq.rcno Suto5i '.!a,t q oB o} st uoqdo [16ro aqg leqil u:q1aq Ja$pnq e aleu nod uaqiu :dq mqgoure s,araq] puv 'uuno*rof, eleui q aprn6 E sElost se1t as6 noAm; a1e1dua1 1a6pnq e popnpu! a^,artn 'lalce{ asuadxa aql qgl^t 6uoxy '*sq6noc* 6ur{nq aqndul *st16noe, .lo sasuad -xa palcedxaunl jo aensosq y eq dlcrLq alnb sr pedl It ol fttlals aqfl pq 'endllrs elrlb sr yed p6pnq e Euiryeu: aqrl sIJorA 1l asnecag 4trqvr rr oul no^ 'al{lJaql saul[ uolllfilitx E ]uiaulalEls slqt pleaq /tffieqo,d s^,no^ II OI )3IIS CNV IlDCNg Y I)VW 'JAIeqr 1a6,,{1uo urec sEr.tltfl "lno ll ,fu1 lapooq srqg Jo pue aql Ie ra1ce{ asuradxa Lue $ arlaqll'sdiaq s!r,{g qprlui n 8l.l Iq pe,sr.rdrns aq p.nort 1nq 'i-3o$a pue arrlx aHIl E sslel 1 1a6pnq a;durs e eletu nort dlaq pue uaql Llessat ures no,{ araq;* seale,(;tluap noi( dlattr uec sasuadkainor{ 6uuio1tuory1 lqluou aqn Jo pus aql le leJol abnql e qllu nod asud[rns pue aletnunoce uec sasuadxa sgl1/vtotl pue "s6uqq ullelao uo putads nrort qrnur lrroq 'uo r{auout inol puads nod s}aqplA aas o1 1ed no1 -sdtaq flleai 11 asesuadlxa rno,{ Eutuolrurout pe1L4 no{ aneg slsNrdxl xno^uorrNow 1a1cod ralqbrtr , ouin"t; t*.}-*, tl }", """q.rrd fur"*"** 6uqar6ai ueqg 6ur1ea1 rallaq,teru e s aqndut stq6 6utl1o4uoc to1 1ps -rno{;o pno*d ouoq 6urc51 'I inoqe ;p ua11o6.ro1 ,tpeali}e €Aer.l pnol 1r i oriDl no( aro;aq pule punoie 6ut>11e4,,, salnuut alo{.rt lAe1 e puadg 'l! Jo Jo puLru rno,{ etel ol aiols a[E aAEe[ o1 sdlaql o€fle I 'aurtr aql p lsofl 'aiotu. aLuos lr lnoqe IU;W uaqf 'lslgllt 1noqe lult4.I't4: anl6 1.uop pue .rc6uo4s aq 'n6I slq a6rnlds o1 a6.ln Euorls stt{l aull txau aqj 'trcueldLlq puE ailsap aq1 o1 ur anr6 sAe*p a1y1 unsalJaneu ai lnq 'au4 eqt 1E sn ol suadldeq s,ql 6quinq aqndut lo esln3 aLfl1 'sa{ 'q6 aI tL06r$q noI qlea uo Aq6it gasrrrci( yse no,{ 'auroq 1a6 no{ luauo{x ew usr& pr.le aqndr.ut uo 6uqgauos lq6noq .reaa no,.{ anep 5NIAnfl lSlndWI louINO)
  • 8. G zt 'a6Ed snq^erd s{|l u! pep.to36r noI s€sua&a ars uo laFpftq rno,t aseE rLro6s1ec 6u!p$ads aq1 .npun, a.lourpp€ ot a€{,lBsJ puie :6} papr.rrold acedis 6ql rlo q aauEmqp rnoA qcntu r,roq ap A ('A[Wmtn ro dplsaiw ,{lrep) no( sl $lErA leq,rA uio'Sutp*edap etrlel sltll aEft g Tuos')I'N - o'nod roJ {ro}r TIfs! s8uT^es '>1ro& +"uop nod uaqlt '.{ep "du;e: e f,o+ 6^ES 'erues ar{a +ou a.re sdep 1tr9* sounes 6976 (edep s io1 CIed rE) 6u1ya1 paiturrlufl le Tffi_-jff Ig rno^ sru6 lliA, iEql $uout e 60sd sngtigA 09Id = sr{ep 69 x 946 :$tn lapsuoc pq'srseq Ipep e uo gecgced eq 1t{6trx str{I fgep pedad auoqd 1gac.m3 OSd-Sed pueds sluapnls akgoS ueplp lsotu itaa"nrs luao6.r e oI Eqploocv (sursn olvdrud lSola) EOti t ill a^$sap no1'3eo51uepoduq ue Bugrp;gurocce.ro uogEluas -and -ofau"t 1eq1 uo 6.E e Bqge6 r+ge4asrnor( pre*wr cq qseo euros poe& e ple4e sql,uoq ,ter1 aS sr soueleg erun q au& uoll j$es, *rol( lee4 o1e*eq 6le hq( 1rxq 'r{zuenl dn Ertes s* poo8 s,11 aqcft} oo1 4asrmo6 6ug $dep a4rod lupg nod luop 'alrlrqu e $EAn A.ffiOtll "I"fffi'J6B t?{aE .t$m (so ^nson) po6 e eaeq p"re Eurpuads r;notr p p4um uil eis no ie $ L{6rH sc, rsops.,ri reElltr@A [I ffigp p$E lqqru ns',{ Ie$ ppqoog srql ur sdq poos a**,g,- *r,{r 'S.ffi: Euyres -rno{ uc eno*&rs ot oF lec not leq*' aes p{@ s1qu4 Et4 gr,mds rnod *ano o6 ol gulg e1e1 ,;dsegrn euo Etaurooeq 1o a€fuea atg uo ere no{ y,q spuadS 6n $s{fi aq pu ;q64u rsA ii.E}'ppH EfiEL(m Emf, ffi fficmBds E[li Ssffilit*e,(Fuqyui 'sfpeq Eulpffads.lrrcut Eur,poquoo rno pa&ro& peq nod 6tl1r1sltA pl.re 1qap tq daaetsetp ,tep auo din 6I"Arr ol lu€!{,i Luop no1 'a6a1ue*pa.mort 6I I esn FrrE legosq qW iE {dot r6sop e 6r*xq dq uers 'qgeq Euwueds;noA .tepsuooer pue ropq dbls e axet oI uerrl ll.t6rju.*rroA 'rrAoJiro{lol sJ siaHqI a$ Iguotu puads noa .+ ,i.l (svrhsocs)ffiffi1fi4s F'rtrl&!ffiI llN:lYl:l:lld lVnI)Y NYld AHOl):l.tV:) tlNl(lNildS dll Y S,IU:IH
  • 9. ON BNTNKING AND STARTING HABITS rt fJ lartirg a habit is no simple task. Breaking one is a ufn{e differ€fit story. Oft€in, starting a hablt m€ans keaking arno&er, and il won't hrypan overnight. .lfs a process ttrat reqrxres patier,lce a,nd 'diis- cipline, among ofters" But don't be discouraged. lt's a fact of Life tftat we lrave lo acfinoradedge, and ifs the way lrc bok at it lhat rnatters. llts not easy, hut ifs not irnpossible. Here are sorne guidslines to help you get started: 1e,crt.rowlEDcE THE NEED Asknoxfledge the need to ctrltrd yoilr spendi*g and irrprove oin ye.rr saving thabits- List doirvn tfe r,easons vrhy you thir* yor need to llrave a heatthy hahiit of saving and whal benefits,it will give you. SET A GOAL 2 Ihink of t,fial yor want to actrrieve wd set ytx"rnrind sr a.dhiev- ing Slat goaL Ackno$dedging tte need ie not eflu.rgh. Yo,u neEd io {ollow lftrough with an end goal afld the wBl to get there. i/fiie down yaur goal and th€ step yori have to take to achieve it. FIND OUT WHAT KIND OF sPINDERYOU ApiI, TAKE THE CITIIZI 1. Wh€n N'rn at lfre ma$ and I see sorne$ring I redly like. I... a. buy it wfiatever it tales. {spend eve*ythhg yan have, bwrow *te msney, etc.) b. bny it if I can affod it c. think about it tirst" think abo.rt it some more, th€fl decide. d don't fuy it no questions asked. 2. I hry crfuinal b,rryrded c*rcthes and other accessories a. very ofien. b. ofienn. c. rarely- d. nwer. I rately buy dothes or accessories. 3. Dufhg schoo! days. I eat out in restaurants.. a. rnore than once a week. b. at least once a week. c. occasiondly. d. rarely. GOAL whv ,do i fi,Eed to save? Steps to lake: htrhat rror{ts forme? 4 3 nu nrscrPr.rNED Now ttnt you ,have a goal and lfre intent t0 achiwe it, ysJ rl?jsl rernain discri$krad throughout$e prof,ess" Expsct selbacl$. The tkEl E'!,v days or weo*s rnight be hard. hut juct iher6 rn fiere. Atitlle satyifica freire ard there will 'do wqderg in the lrorlg run. KI.JO}Y IATT]AT ITORKS 4 FORYOU Thereis noexact fronrula that unorrksfs eyeryqre, so yor have to knoyv ihat worr($ {or you. You €ain hB given diff€rsnt sugges- tlorr,6 ofi hsr/ to save rnofley but nome wsu*d,wofk because none zuits you. 4. I go out on Eimrnict<s witil rny {riends.' a. 'more than once a tupek. h. at least snce I ,E€k. c. ocwsisldly. - ral.ly. 5. I saye up fitr|ey... a- ior things I want. to huy a{}d br$eistlre- h- rnosflyfo$ings { }Alant and wne f*r the fuhr*e- c. rmosuy far the future and sorne ior the lfrings I want. .d. mos$y for :fte future amd hardiy ever fo tfie trings 1 want. ($ee IeSrJiliE ne*page) 6o.tt*g trw*:g is *& r/$,V$lng $,ilrt a ileerll€; qrculing il iu /r* {{.,a|€r soa{rng inle scmd. ' JnVanese:*wr6