If it costs $20 or P1,000 to survive every month, then it’ll be difficult to save 30% of your income if you earn just around $21 or P1,050 every month. On the other hand, it’ll be easier to live well and save a lot if you only spend $400 or P20,000 for your expenses while earning $1,000 or P50,000 every month.
Kung kailangan mo ng P1,000 para mabuhay, mahirap magtipid ng 30% ng iyong sahod kapag ang kinikita mo lamang ay P1,050 kada buwan. Sa kabilang dako naman, mas-madaling mabuhay ng mabuti at makapag-ipon ng marami kapag gumagastos ka lamang ng P20,000 kada buwan habang ang kinikita mo ay P50,000.