Have you ever heard of "paluwagan"? I encountered this during my high school when a group in my class started to contribute money every day and then in two weeks time or more, depending on the agreed "sahod" (pay), he or she will get the amount... so will the others in their scheduled "pay" day. I tried to join once but it things came up with the group I was with so it stopped. Unfortunately, most of us didn't get to have our "pay" since we already stopped the "paluwagan". From then on, I find that barkadahan paluwagan not so ideal to earn/save money. However, I realized that one CAN save and earn money with the same process... but this time, you're on your own. Okay, let's do the math...