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5 Money-Saving Tips for the Young Professional


Being a young professional and settling into work life can be exciting, but it can come with a lot of temptations as well. 

The pleasure of receiving your salary may be overrun by the terror of falling into debt if you don't try to curb your spending habits early on. For young workers looking to save a bit more, here are five helpful money-saving tips. 


Cut Down on Unnecessary Expenses


For many millennials today, the psychology behind spending on nonessentials is fairly simple. Business Mirror reports that many millennials spend beyond necessity because of three reasons: to release stress, to indulge, and to reward themselves. However, just because you're young doesn't always mean you can earn back what you spend, and it's important to nip bad spending habits in the bud. Start by cutting down on unnecessary expenses, and train yourself to only spend on what you need instead of on what you want.

Keep Track of Your Expenses


It happens to everyone: after a couple of weeks, you start losing track of where your salary has gone. In order to really have an idea of how much it is that you're spending, it's important to take note of each and every expense. Thanks to the digital age, doing so is easier than ever with budgeting and expenses apps. ABS-CBN has a list of budgeting apps that can help you and your finances get back on track.

Make Investments


It may seem counterproductive, but sometimes you have to spend a little to save a lot. Making investments in mutual funds, bonds, and the stock market may seem intimidating to a beginner, but it's actually easier than it looks. Plus, you get the added bonus of earning more on your investment than you would have if your money were just sitting in a bank. Investing can also help protect your hard-earned savings from the negative effects of inflation or a weakening economy. For more tips, check out our post on 'Investing & Money Myths You Need to Know'.

Save Up


According to the results of a Nielsen consumer habits study, 58% of Filipinos usually set aside money as soon as living expenses are paid for. Make sure to count yourself among their number and save what you can, while you can. Saving isn't just about making sure you have enough money for short-term rewards. It's more important to save for the far-off future, such as emergency medical expenses or retirement, so you aren't caught off-guard when an emergency rolls around.

Get Insured


Finally, one thing you can do to save money as a young professional is to get health insurance. Health insurance may seem like an unnecessary expense when you're young, but the sooner you start investing in it the more you save in the long run. Rather than wasting your savings on out-of-pocket health expenses, with health insurance you can ensure that you're adequately protected without having to worry about finances. If you're not sure where to start, Paramount Direct has a guide page to help young professionals choose the best health insurance plan for them. It answers common questions about the costs of health insurance, as well as the things you should look for when choosing a plan.

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