On Savings

So, ngano di manko mu prefer to put my savings inside the bank?

Lets say you have P1 million sa banko. If you keep your money in a time deposit account for 36 years, ang P1 million will become P4 million.

If you put that very same P1 million into recommended stocks (I'll post them here for free), for the same 36 years, ang imo P1 million will become P64 million. Large difference, diba?

Now the question is: How does one save?

Sa una, ako buhaton was 
1.) pay all my bills
2.) spend on my needs and wants
3.) whatever is left, put into savings.

Of course, after numbers 1 and 2, wala najud mabilin sa ako savings. And dira ko na sayop. Angay unta is this:
1.) Savings
2.) Bills and needs
3.) Wants

Lisod jud ni siya at first, mao nang you really need discipline. A good percentage of savings is 20%-30% of your net income(i.e. after SSS, witholding tax, pag-ibig, philhealth). The rest, kaw na bahala ana. Currently, mao ni ako setup:
30% savings/retirement fund
10% emergency fund(butang lang sa bdo savings account, ayaw jud ni hilabti except for emergencies!)
60% for bills, dates, walks, clothes, gas