Savings Tip

Maximize Your Contribution:
1-start investing now (starting early, even with a small amount)
2-diversify (saving account, low-risk investments & etc)
3-contribute monthly (even a modest amount)
4-be patient (your money will grow even at a snail's pace)

Set-up a rainy-day fund before you need it. The *Rule of Thumb* suggest having an emergency reserve equal to about 3 months' income, but if your income is irregular or you have extra financial commitments, aim for 5/6 months' net income.