Saving Tip #1: Withdraw from your own bank’s ATM machine.

ATM charges range from P1 to P12 for local banks. Assuming someone withdraws from an ATM machine not of his own bank every week the whole year round. He might not notice but he just lost P576 for the whole year.

The lost money could have been invested in a mutual fund such as GSIS mutual fund and could have earned 22.4% (YTD Return - 2007) or roughly P129.