Want A Month's Worth of Paycheck by Year's End? Reduce Your Overhead Expenses (Part 2)

In this next article installment, I'll cite additional ways for you to have a substantial amount of savings by year's end. Here's how you can save on --

Health Care

• If you're freelancing in the Philippines, I strongly suggest that you start making contributions to Social Security System and PhilHealth. Google "SSS contributions" for further details.
• If you started freelancing in your 20s and 30s, you will probably be less likely to be prone to serious illnesses. Still, you should think about getting yourself covered for routine check-ups like annual physical exams and dental and ocular inspections. When acquiring health insurance, simply settle for the one that would be most affordable given your monthly cash flow.
• The cheapest health insurance still remains to be eating healthfully and exercising moderately. Make physical fitness a part of your daily routine.

Equipment

• You need not spend Php40,000 or even Php30,000 on a new computer. Pre-owned desktop and laptop computers that are still in good condition can now be bought at olx[dot]ph (click here to view site). Be forewarned, though, that making transactions in this site would mean complying to certain guidelines.
• There are a multitude of free software that can be downloaded from reputable websites. Be selective enough, and make sure to choose the ones that are virus-free and will be most practical for you.
• Forego furniture stores and visit garage sales, or ask friends or relatives if they have an old desk that you can repurpose.
• If you would need to send your manuscripts and CDs through snail mail, National Bookstore sells brown envelopes with bubble wrap inside in various sizes. Apply for a Laking National Bookstore card to accumulate points for your other purchases, like pens and stationery.
• Save up on folders and brown envelopes by buying a separate USB for backing up files like copies of your Freelancer's Contract, collection letters, replies to promissory notes or negotiation letters, and records of transactions.