'A penny saved is a penny earned.'-Benjamin Franklin. What the famous author, publisher and inventor said is the fact of every individual that wants to save. Savings in life are as significant as earning in life. Travel, education, marriage, jewellery and others are the segments where you would have to spend, if not now but in future. Life is full of such responsibilities that vary as you grow old. This is why with every year that passes by, ageing pushes you to save every penny in the way you can. While we need to set money aside for later use,