Frugal Living: What Habits Help You Save Money?

[CLAVEL3699]

60-40 rule...

40% automatic sa bank... the 60% on our daily expenses at dapat may savings pa yun kung kulang dapat pagkasyahin.

Tinanggal na namin lahat nang credit card. Cash basis kami lagi kahit mahal na appliaces para we value money kasi malaki ang cost ang ilalabas namin.

Tuition Fee nang anak ko dun namin kinukuha sa 60% kasi kasama sya dun.... In a year nakukuha namin sya na savings sa 60% then we will pay it in cash para malaki discount.

Clothes and other material things every xmas lang kami bili, pero yung mga luho dun sa allowance namin ni wifey kinukuha.

malaki natitipid ko sa allowance ko right now kasi wala ako ginagastos... baon ako lunch and merienda. hehehe

[LiveLoveInvest]

Pupunta ng mall walang dalang pera sakto lang sa pangkain at kung ano yung alam na bibilhin

[Juancdancel]

Income - savings = expenses

I agree with this. Make sure to allot money for saving first
before doing any expenses. I also follow the 30-day money challenge.
The idea is to deposit money corresponding to a number of days.
Check this article to have a guide: Top Money-Saving Challenges You Can Try In 217 - eCompareMo

[MXFX]

just cancelled our dish satellite tv service to just simpler streaming slingtv. $130 to $25 monthly.

[Vodka]

just cancelled our dish satellite tv service to just simpler streaming slingtv. $130 to $25 monthly.

yeah sat/cable TV is so last century. personally i just have a Chromecast on the kitchen TV. who needs TV these days. who has the time to watch LOL

[_Cathy_]

My friend and I agreed that we will save the extra cash from TRAIN. I'm not sure I can do that though

[chico020]

Well, I just loved your thoughts. First thing first, I have my own credit card which I got it here Best BDO Credit Card 217: Fast Application | eCompareMo and I pay it regularly. Since you are raising the DIY, frugal living may increase and save more. This type of tips can live much longer to anybody without any struggling to anyting. However, I used to buy clothes every 2 times a month and I really really love travelling to a different places as well.

[minicarph]

try mo mag PayMaya para may rebates ka ba sa mga bills mo

[_Cathy_]

Bakit ang daming pera ng mga tao in the past 5 yrs? Ako na lang ata hindi dumadami pera Is it because of internet money? (social media, online sellers, tech work) It's a pandemic but people are spending more?

I found out because I've been using one bag which I bought in 168 for the whole of the pandemic. My Mom said it's so dirty and I look kawawa already. Since my Mom gave me money before I decided to look for a replacement that will last me a long time. What do you know? 3 of 4 brands are mostly out of stock! I did a bit of googling and it's been like that since 2020.

[dr. d]

it's just an illusion, that maraming pera ang tao nowadays.
we just see what we see, kasi.
we do not see the majority.
maraming unbelieveably hard-up. we just do not see them easily, because they do not go to the mall.

the "outness of stock" may not be because there were many buyers.
i think it is because, for a variety of possible reasons, there have not been deliveries to replenish the stocks.

cheap versus expensive.
in my experience, the more expensive usually last longer or look good, longer.

[_Cathy_]

it's just an illusion, that maraming pera ang tao nowadays.
we just see what we see, kasi.
we do not see the majority.
maraming unbelieveably hard-up. we just do not see them easily, because they do not go to the mall.

the "outness of stock" may not be because there were many buyers.
i think it is because, for a variety of possible reasons, there have not been deliveries to replenish the stocks.

cheap versus expensive.
in my experience, the more expensive usually last longer or look good, longer.

Brands usually manufacture X number of items per year and it's sold out early on Parang hindi na ko naniniwala naghihirap tao ngayon e recently someone posted that a lot of people are buying cars as well, and then so many people doing home renovations.

Pero doc yung 168 bag ko tumagal din ng 2 years, sobrang sulit for its price

[viper888]

Its probably a stock issue. The demand for things like bags was drastically reduced during the pandemic and retailers reduced their inventories to cope with low sales. With things opening up, some of them are getting caught out with low inventories.

[_Cathy_]

Its probably a stock issue. The demand for things like bags was drastically reduced during the pandemic and retailers reduced their inventories to cope with low sales. With things opening up, some of them are getting caught out with low inventories.

I haven't bought any clothes, shoes or bags since the pandemic kasi (except my recent trip) Did a bit of googling and there are a lot of complaints nga na always out of stock

[Ry_Tower]

it's just an illusion, that maraming pera ang tao nowadays.
we just see what we see, kasi.
we do not see the majority.
maraming unbelieveably hard-up. we just do not see them easily, because they do not go to the mall.

the "outness of stock" may not be because there were many buyers.
i think it is because, for a variety of possible reasons, there have not been deliveries to replenish the stocks.

cheap versus expensive.
in my experience, the more expensive usually last longer or look good, longer.

Agree on this one. Yung sa DE class, mas tag-hirap sila ngayon with the prices of almost everything going up. Lalo na basic goods.

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[Sweetlucious]

Bakit ang daming pera ng mga tao in the past 5 yrs? Ako na lang ata hindi dumadami pera Is it because of internet money? (social media, online sellers, tech work) It's a pandemic but people are spending more?

I found out because I've been using one bag which I bought in 168 for the whole of the pandemic. My Mom said it's so dirty and I look kawawa already. Since my Mom gave me money before I decided to look for a replacement that will last me a long time. What do you know? 3 of 4 brands are mostly out of stock! I did a bit of googling and it's been like that since 2020.

Yeah dami pera tao ngayon.

Just last sunday, lahat ng watch store sa greenbelt may tao. Around 2-3 customers inside already kaya they’re not letting people in, even JLC store may tao.

[uls]

Yeah dami pera tao ngayon.

Just last sunday, lahat ng watch store sa greenbelt may tao. Around 2-3 customers inside already kaya they’re not letting people in, even JLC store may tao.

dahil di nag travel for 2 years dami pera mga tao so people buy nice things nalang

[Jim Cainglet]

What are your habits that help you cut your expenses?

Share us your tips! Let me start...

1. I pay for my credit card in full and on time
2. I don't purchase items with interest
3. I have my haircut once or twice a year
4. I paint my own nails - this saves half the cost per salon visit
5. We are slowly replacing our regular lights to LED lights
6. I make use of free items or rewards (eg free coke at shell for every P2k receipt)
7. We use power sockets with switch - surprisingly reduced our electrical bill since all our TVs, fans etc used to be plugged in directly at the socket and that is supposed to consume electricity daw
8. I don't keep up with trends on technology - I will use my gadget until it dies
9. I cancelled my magazine and newpaper subscription
10. I don't regularly buy clothes or shoes - I buy cheap flats from the tiangge (mostly around P300-400)
11. I don't spend for vacations - I don't itch to travel. This makes up for a big expense for some family and friends!
12. I shop online to look for better deals - I buy a lot of items from Amazon and it saves me a lot of money
13. I wax my car - aside from saving money, I also go by "If you want something done well, do it yourself"
14. I go to the wet market to buy fish and vegetables - it's so much cheaper than buying at the supermarket
15. I avoid going to places where I have to pay for parking
16. I plan my trips - hindi ako naglalagari when driving

Hi Cathy!
San ba maka bili ng power outlet with switch? Gusto kung bumili nyan jan sa Pinas. Yan na kasi ginagamit dito sa Australia, at iba kasi ang plug type dito.

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[compact]

Sino sa inyo mahilig magbalot ng mga handa sa party? Pag inabot sa akin ng host ok lang pero kung ako ang maglalabas ng supot para magbalot, dyahe.


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[Ry_Tower]

Sino sa inyo mahilig magbalot ng mga handa sa party? Pag inabot sa akin ng host ok lang pero kung ako ang maglalabas ng supot para magbalot, dyahe.


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Hindi kami nagbabalot pero kapag inabutan hindi naman tumatanggi. Masama yun eh. hehe

Income-savings = Expenses din pinaka-rule of thumb of saving namin.

[rollyic]

i dont buy immediately.
i'll wait for discount or sale.