Frugal Living: What Habits Help You Save Money?

**jut703** · June 14th, 2017 03:48 PM

Originally Posted by IamVince

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)

What if I have the cash to pay for it in my bank, but I use my card anyway?

After brunch with my friends last weekend, I realized that there are so much perks from points earned with credit cards.

I rarely use my card except when I'm abroad, but I just realized there's a lot you can save if you use your card on anything that costs the same whether card or cash.

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**kai s.** · June 14th, 2017 04:08 PM

Originally Posted by jut703

What if I have the cash to pay for it in my bank, but I use my card anyway?

After brunch with my friends last weekend, I realized that there are so much perks from points earned with credit cards.

I rarely use my card except when I'm abroad, but I just realized there's a lot you can save if you use your card on anything that costs the same whether card or cash.

Originally Posted by _Cathy_

I put the cash equivalent in an envelope naman

I use my card even when I have cash because 1) I get to keep track of my expenses and 2) the points I get with every purchase. Like Cathy, I just put the same amount I charged in a "CC payment" envelope and always, always pay in full the amount due

I even let my officemates book their flights to and from their provinces using my card -- they wouldn't need to pay over the counter, I get more points (convertible to GCs).

**jut703** · June 14th, 2017 04:13 PM

Originally Posted by kai s.

I use my card even when I have cash because 1) I get to keep track of my expenses and 2) the points I get with every purchase. I just put the same amount I charged in a "CC payment" envelope and always, always pay in full the amount due

I even let my officemates book their flights to and from their provinces using my card -- they wouldn't need to pay over the counter, I get more points (convertible to GCs).

Yun nga eh. If I learned about points earlier, baka nakafree flight na ko :/

Kaso wala ata miles sa BPI. PNB lang and HSBC I think..

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**Wh1stl3r** · June 14th, 2017 04:20 PM

Subscribe to premium cable channels. Di ka na lalabas ng bahay. ��

When I was working my first job, I would bring a packed lunch and water to work. Even now I always bring a liter of water in the car. So I don't have to buy bottled water. Good for the environment pa. I also try not to eat out as much as possible.

Re: CCs it's ok if you always pay in full each month. Some even offer installment options for the same price. I remember in HK there are stores that even give a discount if you use their affiliated card.

It's good to shop in places that offer discount for cash purchases. That's the only time I use cash.

**_Cathy_** · June 14th, 2017 04:31 PM

Originally Posted by Wh1stl3r

Subscribe to premium cable channels. Di ka na lalabas ng bahay. ��

When I was working my first job, I would bring a packed lunch and water to work. Even now I always bring a liter of water in the car. So I don't have to buy bottled water. Good for the environment pa. I also try not to eat out as much as possible.

Re: CCs it's ok if you always pay in full each month. Some even offer installment options for the same price. I remember in HK there are stores that even give a discount if you use their affiliated card.

It's good to shop in places that offer discount for cash purchases. That's the only time I use cash.

You don't have water at work? We have free coffee here (Nescafe Vendo and another machine with beans) We also have free tea (Lipton tea bags) I don't drink coffee or tea in the morning, but if I did I'd just take the free drinks at the office than go to SB or CBTL [emoji14]

BPI has free P150 Starbucks for every P3k straight purchase. I don't really drink Starbucks but it's nice to get these freebies

Before I got P1k credit na rin for points.

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**_Qwerty_** · June 14th, 2017 04:34 PM

I seldom by Starbucks now.. i just buy 7-11 brewed coffee put it in my SB Tumbler and go to Starbucks to kill time..

**99moves** · June 14th, 2017 04:39 PM

Use a hair clipper to cut my own hair. No more barber fees and tips. Wala na din kwentong barbero.

**beebee** · June 14th, 2017 05:13 PM

Originally Posted by _Cathy_

You don't have water at work? We have free coffee here (Nescafe Vendo and another machine with beans) We also have free tea (Lipton tea bags) I don't drink coffee or tea in the morning, but if I did I'd just take the free drinks at the office than go to SB or CBTL [emoji14]

BPI has free P150 Starbucks for every P3k straight purchase. I don't really drink Starbucks but it's nice to get these freebies

Before I got P1k credit na rin for points.

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yup. cc's are ok if you know how to manage it. good perks, mcc last week 50% disc * 7corners, 2weeks before 50% at house of wagyu, this week also 50% disc * heat. so fine din8ng is not too xpensive

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**badkuk** · June 14th, 2017 05:37 PM

don't pass through the mall on your way to work or home. Too much temptation -- a burger here, a coffee there, it all adds up.

Nagbabaon ako ng fruits and biscuits dito sa office to avoid buying at the canteen and convenience stores. Need to lose some weight anyways

**badkuk** · June 14th, 2017 05:47 PM

i never throw out extra plastic utensils, tissue, sugar/creamer/ketchup packets etc. , yun ang binabaon ko sa office. It's more about not being wasteful rather than being frugal.

It would be interesting to see, kung maipasa yung sugar tax, kung galante pa rin ba magbigay ng sugat packets yung restos😀