a 25-year-old nurse, works at a hospital that pays her every 2 weeks by direct deposit into HIS checking account which pays no interest and has no minimum balance requirement. HE takes home about PHP9,000 every 2 weeks or about PHP18,000 per month. HE maintains a checking account in the bank that does not earn any interest income with a balance of around PHP7,500. Whenever it exceeds that amount HE transfers the excess into HIS savings account, which currently pays 1.5% annual interest. HE currently has a savings account balance of PHP85,000 and estimates that HE transfers about PHP3,000 per month from HIS checking account into HIS savings account. ARIEL pays HIS bills immediately when HE receives them. HIS monthly bills average about PHP9,500, and HIS monthly cash outlays for food and transportation cost total about PHP4,500. An analysis of ARIEL's bill payments indicates that on average HE pays HIS bills 10 days early. Bank Time Deposit are currently yielding about 4.2% annual interest. ARIEL is interested in learning how HE might better manage HIS cash balances. What are the three ways for ARIEL to better manage her cash balance