Frugal Living: What Habits Help You Save Money?

**badkuk** · January 13th, 2016 09:53 AM

As much as possible, we make use of available free WiFi and send IMs instead of SMS to my siblings/cousins -- esp. pag nagbobroadcast ako ng oil price hike/rollbacks

**unmarked** · January 13th, 2016 01:54 PM

Carinderia food at work > fastfood. For a lower price may karne at gulay ka na. Pero nothing beats baon. Kaya lang since renter ako mas tipid mag carinderia kesa mag luto ng ulam para sa isa.

**IamVince** · June 13th, 2017 11:18 PM

Have a weekly and monthly budget and stick to it. Better yet, ditch the cards and pay in cash. If you don't have cash to pay for it, means you can't afford it (except big ticket items like cars, houses)

**Walter** · June 14th, 2017 10:50 AM

There are instances when it's better to use credit cards compared to cash ... as long as you have self discipline ... there are cash back credit cards that give 5% discount on groceries, 4%-5% on fuel, 3% on utility bills, 2% on dining and 1% on medicine ... Security Bank, Citibank, Standard Chartered have cash back credit cards ...

**_Cathy_** · June 14th, 2017 10:56 AM

Originally Posted by Walter

There are instances when it's better to use credit cards compared to cash ... as long as you have self discipline ... there are cash back credit cards that give 5% discount on groceries, 4%-5% on fuel, 3% on utility bills, 2% on dining and 1% on medicine ... Security Bank, Citibank, Standard Chartered have cash back credit cards ...

Same here. I use CCs to take advantage of freebies or discounts. It's okay to use your card as long as you can pay it in full.

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