"Save it for rainy day." That's my motto. When Ihave a choice between spending my money orputting it in my savings account at the bank, I alwaysput it in the bank.I will have a lot of expenses in the future like my education, travel, andunforeseen emergencies. I need to have money set aside for these expenses.

Education is expensive. I can't depend on my parents to pay all my bills. I have tuition,room and board, books, and incidental expenses to pay for. I'll try to get a scholarship tocover some of these costs, but I know I will be responsible for a lot of the expenses. If I spendmy money now, I won't be able to pay for my education. I need to save money for myeducation.

Travel is also very expensive. I don't mean vacation travel. I mean travel to get to and fromschool. Transpacific airfare costs a lot even special reduced fares. I first have to get to schooland then, of course, I want to return to my family for important festivals and occasions. Goingback and forth will be costly, but worth it. I need to save money for these trips.

Emergencies could arrive at any moment. I might have an unexpected illness while I am atschool. There might be costs that won't covered by the school insurance. One of my familymembers may need help, I will have to send them money. You can't predict emergencies likethis, but you can be prepared. I need to save money for these emergencies.

When you are not rich, you cannot spend your money carelessly. You must plan ahead. Iknow in my life, I will have expenses for my schooling and fortravelling to and from my home. Iknow that I will also have unexpected expenses related to unforeseen emergencies. I must beprepared. I need to save money for these events.

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