Setting a goal of having P100,000 in your bank account may be daunting, especially if you only have a tenth of that amount to start with, but remember, every journey starts with a single step. The key is to be smart and, as our GIRLTalkers say, not to jump at what seems to be a great opportunity without a backup plan.

Here are five great tips based on the experiences of your fellow FNites that can help you get on the right financial track.

(Photo by Alan Cleaver via Flickr Creative Commons)