Pinoys love complicating simple things.
If you want to lose weight, you've got to count your calories and try the Paleo diet, Vegan diet, Budget-tarian diet, and many more. You need to try pole-dancing, yoga, Zumba, Pilates and any other form of exercise.
Forget about the simple concept of "eat less, exercise more".
If you want to alleviate the traffic in EDSA, you have to separate the private lane from the bus lane, implement odd-even number coding, put up a zip line, or ask Superman for a ride.
Forget about the simple concept of "follow the darn rules."
It's the same thing with saving money.
If you want to save more money, you need to try "Frugal Money Tips", count your centavos every day into a detailed spreadsheet, divide the amount of the item you want to buy by the amount you earn every hour at work and basically exert so much willpower and energy just so you can go and save money.
Forget about the simple concept of "pay the VIP (you) first and set up automatic fund transfers every month".