This is especially for you who started earning your first few pesos (or dollars, or Euros!); and probably have zeroed out your bank accounts! Now, it's very easy to say, "I'll start saving once I got my promotion," or "I'll start saving once I got my increase," and so on. Trust me that the increase and the promotion might happen, I'm not too sure about the other. So, if you find yourself in this situation, this article is for you.