To start with, record all your expenses in a simple notebook so you will be conscious enough to stick within your income and explore ways to cut down on expenses. Why not also categorize expenses into needs and wants?

Another trick is to treat saving money as a projected "expense" and put it in your monthly budget. Start small so it will be achievable and set realistic savings goals, too.

Don’t you think there is also a need to identify financial priorities that will impact on your savings goal? For instance, consider expenses when your baby is born or when your child is graduating and needs to go to university after a few years.

And when you do this religiously, savings could be automatic. Besides, there are banks now offering automated transfers wherein you can schedule when your salary arrives.

Yet, despite all efforts to save up, reality tells us that inevitable expenses will come up wherein your savings will be unable or not enough to cover them. Most likely, it is a medical emergency or even a calamity.

Here comes ML Quick Cash Loan to the rescue.

M Lhuillier has financial solutions that can help boost your funds with its ML Quick Cash Loan, ML Motorcycle Loan, and ML Quick Car Loan. All loans offer the highest appraisal to maximize the funds you desperately need for an emergency. You can also renew anywhere while doing secure transactions nationwide.

For collateral, you can use any of your valuable items that include gold and diamond jewelry; cellphones; laptops, tablets or Ipads, cameras, watches; Ray-Ban sunglasses; medical equipment; and even household items such as your kitchenware and home appliances. And yes, even bicycles, motorcycles, and cars can be accepted as collateral!  Check out the branch near you to find out more details on this service.

While M Lhuillier supports your commitment to save, it is also here to help you out with those unexpected emergency expenses.

Ang M Lhuillier, may MLsakit sa iyong financial needs!

M Lhuillier is the Philippines’ largest and most respected non-bank financial institution. It continues to uphold its promise of being the Tulay ng PaMLyang Pilipino with more than 3,000 locations nationwide. It continuously seeks better and innovative ways to serve its community by providing fast, easy, and reliable financial services such as Kwarta Padala, Quick Cash Loan, Bills Payment, Insurance Plan, Money Exchange, Jewelry, ML Wallet, ML Express, ML Moves, and Telco and online TV Loading.

Follow M Lhuillier Financial Services, Inc. on Facebook, or visit mlhuillier.com for more information. For inquiries, contact Customer Care through its toll-free number 1-800-1-0572-3252 or email customercare@mlhuillier.com.

By JOEL C. MANGAHIS