Frugal Living: What Habits Help You Save Money?

[shadow]

Because sometimes it's more dangerous to bring cash, for example you need to buy something in a store worth 100k. It would be a hassle to go to the bank to withdraw or have the store personnel count that amount of cash. Some stores treat straight payment as cash naman.

Hinde na kailangan dala cold cash now. Lagi na ako debit card ngayon so parang cash na rin.


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[shadow]

And don't be afraid of cards and loans. Tama si CVT used them. It's actually a tool for us. Take advantage of it.

Imaging you have a credit line of minimum 500k andyan lang sa CC mo.


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[XTO]

Problema, tawag ng tawag ang mga bangko 0ffer dito offer doon ng loans without collateral, CC without requirements....nakakahiya at naririnig tuloy ng mga officemates natin tapos mga nakatingin sa akin while kinakusap ko...tapos when they hear me saying "magkano na ba yan? sige please roll" bigla sila titingin na naman....

Honestly, masarap pakiramdam pag alam mo wala ka utang, kahit konti lang pera mo masaya ka

[Ry_Tower]

Discipline is key in having a CC. Daming benifits nito lke less hassle in paying ang discounts plus buying with 0 interest. Saan ka pa.

Just pay on time everytime and you will be fine.

[_Cathy_]

me, too.
i wonder how many CC users know, that paying in cash sometimes gives them leeway for discounts.. ansons is one such place..
i always ask, "magkano discount pag cash?"
of course, one has to know the prices of the competition's.. one more thing i do, before buying.. i compare prices of various stores.

For large transactions, straight payment is treated as cash most of the time. If not mag withdraw talaga ako.

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[shadow]

For large transactions, straight payment is treated as cash most of the time. If not mag withdraw talaga ako.

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Debit card? Bakit kailangan mag withdraw?


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[badkuk]

i guess case to case basis whether cash or CC is best. There's no haggling when it comes to bills, supermarkets etc, so might as well charge to CC; with certain merchants you can ask them the price if straight cash ang payment. At the end of it all, the point is to spend less

[unmarked]

Another point is what are you getting for spending. With cash, you get what you pay for. For Cc, you get so much more, depending sa terms ng cc mo.

Again, cashback, rebates, free annual, points, miles, freebies lahat yan.

Not to mention, security/protection, whether pre or post payment.

[unmarked]

For large transactions, straight payment is treated as cash most of the time. If not mag withdraw talaga ako.

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Yup i was checking tv sets kahapon. Cash/straight payment discount vs installment laki ng difference talaga.

[kimbon]

Cash payment gets bigger discounts vs CC to buyer when purchasing an appliances. the merchants pay X% as bank charges if the buyer paid CC.