LIANNE LAROYA,

Cosmopolitan (Philippines) - - Contributors -

fi­nan­cial plan­ner and the au­thor of OMG! Where Did Your Sweldo Go? wrote “Save or Splurge?” for Cosmo Cash on p.80, a guide to wise ev­ery­day spend­ing on ev­ery­thing from lin­gerie to lug­gage. Con­trary to our com­mon “Tipid Tips” mind­set, she says, “Cheap isn’t al­ways the best choice. Be fru­gal but choose qual­ity items that will last in the long run. Your bank ac­count will thank you.”

“In­crease your self-worth so you can in­crease your net worth. It’s not the other way around.”

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