Sharon Cuneta believes financial planning is not only for rich people. She thinks everyone should save and invest their hard-earned money.

In an interview with the Megastar after the launch of her line of American Standard cookware called Celebrations by Sharon, she gave tips on how to make your money grow.

"I think it starts with savings. It starts with ways to make money," said the singer-actress who started in showbiz when she was just 12 years old.

"Kapag meron kang ipon, meron kang kinita. So really, kasing yaman ka lang ng inipon mo, hindi ng kinita mo.

"For example, kung kumita ka ng P1M, 'tapos ginastos mo naman P900,000, 'tapos winaldas mo lang, tapos inipon mo P100,000, 'tapos naubos din dahil may emergency, hindi ka yayaman di ba? Balanse lang dapat," she explained.

To get the most out of your hard-earned money, you should do some financial planning, Sharon advised.

"Minsan ang iniisip natin, 'yong savings at financial planning para lang sa mayayaman.

"Actually, baligtad. Ang mas nangangailangan ng financial planning 'yong mga hindi masyadong malaki 'yong kinikita," she said.

"Kasi, akala ng iba pag ganito lang 'yong amount na kinita mo, wala ka nang matatabi.

"It's just impossible, sa tingin nila, dahil mataas na ang bilihin, sa dami ng obligasyon, sa dami na ng kailangan bayaran. Pero actually, medyo magta-tighten ka lang ng belt," she added.

Identify if what you are buying is something you really need or just want, the Megastar stressed.

"Kasi, pag gusto pala nating mamili, tapos hindi naman natin kailangan, somehow 'yong ating mga wants, nagiging needs.

"Pero meron talagang hirap mag-ipon, pero kung maaari, hangga't merong extra. Kumbaga, itabi ninyo kasi hindi araw-araw Pasko."

'KAPAG PURSIGIDO KA, MAGAGAWA MO.' Sharon also believes that anyone is capable of making a little extra income.

"Ang daling mag-negosyo kung matiyaga ka lang."