Frugal Living: What Habits Help You Save Money?

[kimbon]

- paying credit card bills in full and on time
- paying real estate tax and assoc. dues early to avail of 20% discount

Yan ang naiisip ko on top of my head right now, misis ko ang magaling pagdating sa mga promo ng credit cards and grocery, isa pang natutunan ko sa kanila ng MIL ko eh pag bibili ka sa Mercury Drug its actually better to buy their GC's and use them for purchases later on rather than paying it with your CC, may ineexplain sila sa akin na at least for our CC's wala daw points yung pagbili ng medicines pero may points pag GC ang binili mo. Dunno how or why, basta tuwing may bibilhin ako sa Mercury binibigyan ako ng GC ni esmi. Misis ko kasi mabusisi when it comes to ongoing promos ng mga CC, early last year my mom was confined in the hospital for a major surgery since kami ang toka sa hospital bills inalam ng misis ko yung different promos sa mga CC's that we have, eh pinakasulit yung sa BDO-AMEX, for every 30k spent pwede ka mag avail ng P1k na GC sa SM, since we were in the hospital daily, nagbabayad din kami daily, tig 30k kami each time, minsan 2x a day kami magbayad. By the end of it, madami kami nakuhang GC sa SM that we didn't spend a single cent para sa mga inaanak namin this last Christmas

I applied Mercury Drug Citibank to avail the 10% rebate at Mercury Drug. my mom's maintenance meds roughly 6k / month. paki ask naman kay wifey kung mas sulit ba yang Mercury Drug GC as you mentioned above compared sa Mercury Drug Citibank ko? If yes may I how can I avail the GC? TIA

^^ good job ke misis.
Very powerful ang CCs. Kung pwede lang kahit mineral water i cc ko sa 7/11 LOL. Basta babayaran ng buo.

Ung iba nga sa work related travel insist personal CC ang gamitin tapos babayaran nalang ng company sa kanya.

Then the guy earns points/miles/rebates sa sarili nyang Cc of course and that is essentially free flights/free money. Wais.

ganyan din ang ginagawa ko dati every time dumarating sa Pinas ang boss kong Singaporean at suppliers. Charge lahat sa CC ko ang company's expenses ng hotels, foods, entertainments etc.. nila. ilan years din waived ang annual membership fee sa citibank plus may pang shopping pa sa earned points

[jmpet626]

I applied Mercury Drug Citibank to avail the 10% rebate at Mercury Drug. my mom's maintenance meds roughly 6k / month. paki ask naman kay wifey kung mas sulit ba yang Mercury Drug GC as you mentioned above compared sa Mercury Drug Citibank ko? If yes may I how can I avail the GC? TIA


ganyan din ang ginagawa ko dati every time dumarating sa Pinas ang boss kong Singaporean at suppliers. Charge lahat sa CC ko ang company's expenses ng hotels, foods, entertainments etc.. nila. ilan years din waived ang annual membership fee sa citibank plus may pang shopping pa sa earned points

Sir yung Mercury citi bank meron din yan free ambulance service for you and your dependents at once event per year. Worth 10k din yun. Waived naman parati annual ko sa CITI kaya I keep it na lang sa wallet ko for emergency.

[badkuk]

We should start a thread here about credit card/debit card promos

[ronw123w124]

I applied Mercury Drug Citibank to avail the 10% rebate at Mercury Drug. my mom's maintenance meds roughly 6k / month. paki ask naman kay wifey kung mas sulit ba yang Mercury Drug GC as you mentioned above compared sa Mercury Drug Citibank ko? If yes may I how can I avail the GC? TIA

Asked the wifey about it, sabi nya in order for you to avail of 10% rebate kelangan daw average of 10k monthly which in your case baka di umabot since 6k lang kayo sir saka wifey mentioned something na wala yata rebate kung gagamitan ng SC card, not sure kung yun nga sinabi nya. Yung card kasi na ginagamit namin yung BDO AMEX na may monthly minimum of 15k for rebate and pwede daw anywhere, ang sinasabi nya kaya daw sulit yung Mercury GC kasi yung mga card daw namin once na ginamitan ng senior wala na atang rebate, so gagawin nya bibili ng GC worth say 10k dahil kasama sa rebate yon tapos pag ginamit nya yon may bawas din sa senior tapos may suki points pa. Kami kasi ang toka sa mga gamot ng parents ko and we spend maybe at least 30k monthly on meds of my mom and dad. Pasensya na sir, di ko kasi magets gaano explanation ng misis ko dahil sya naman ang dumidiskarte pag dating sa mga gamot. GC's are available over the counter on most Mercury branches

[hinlog]

I loan an amount that I can pay monthly from a bank or employer, then invest it elsewhere. Kung kumita ayos, otherwise I treat it as forced savings and the interest as a sort of payment to the lender for helping me save. I learned this strategy from my sister, so far it works for me build my treasure chest during the past several decades.

[maverick74]

Para maka save din sa house may mga vault din ba kayo? Yung mga makita nyo sa ace at true value. Yun bang 12 x 12 na measurement. Planning to buy one sana para hindi din manakawan ng katulong na makati ang mga kamay.

[_Cathy_]

Similar. We always keep cash at home. Sometimes banks give you a hard time withdrawing your own money

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[KenGarcia]

Para maka save din sa house may mga vault din ba kayo? Yung mga makita nyo sa ace at true value. Yun bang 12 x 12 na measurement. Planning to buy one sana para hindi din manakawan ng katulong na makati ang mga kamay.

Actually this is a good idea, mahirap ung withdraw ka ng withdraw sa bangko or sa ATMs. Matinik kasi mga kawatan ngayon, pag natiktikan ka yari ka.

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[zoomzoom]

Cash at home is always a good idea. Especially in times of (national) emergency when you may not be able to access your money any other way (i.e. earthquakes, bank holidays, blackouts, martial law, terrorist attack, war, etc. etc.)

[unmarked]

I think its okay small amounts lang. Enough to buy emergency stuff. Nag try ako nyan before kaso di ako makatulog ng mahimbing sa gabi pag wala ako sa bahay. Nabibitbit din kasi.