Note to self: Income-Savings = Personal Budget

• new bank account for travel (DONE!)
• new bank account for retirement (DONE!)
• low-cost property
• IELTS (P8,800++)
• Creative Zen
• invest in a coop
• Insurance (P5,700+ every 3 months)
• travel (got my travel fix for this year)
• C.O.D (at least P10,000) DONE!
• dollar account (done!)
• Mutual fund (at least P10,000)
• World Vision