Frugal Living: What Habits Help You Save Money?

[slapz]

savings should be treated as an expense.

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I am the highway...

[manilamako]

Unplugging appliances when not being used.

We also dont use our water dispenser anymore. We get our cold water from the fridge and hot water from those portable coffee makers.

KKB on dates! Unless its a special occassion siyempre or may atraso ako. Or we alternate on who will pay for the bill for that date. Im not cheap when it comes to my partner, but recently weve been thinking ahead, financially, so sharing expenses was a good change.

[chua_riwap]

nagtitipid pero......wala munang tipid sa aircon.

t____ina init to.

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[shadow]

Sayang lang yan tipid tpid na wala naman significant na maiipon. Kung meron ka gusto bilhin. if you can afford it bilhin mo na, life's too short para Sa kontin Pagtitipid.

Rule of thumb. Kung hinde mo kakahirap or hinde mo rin kakayaman pag meron ka binili. Go for it!


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#retzing

[_Cathy_]

^But those little things add up.

I now control my Amazon spending because there was a period when I did not realise that I spent my whole salary na pala on items less than $100

[glenn manikis]

Sayang lang yan tipid tpid na wala naman significant na maiipon. Kung meron ka gusto bilhin. if you can afford it bilhin mo na, life's too short para Sa kontin Pagtitipid.

Rule of thumb. Kung hinde mo kakahirap or hinde mo rin kakayaman pag meron ka binili. Go for it!

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#retzing

to some extent agree ako dito..... nag tipid nga ako sa tires ko.. imbes na nitto 80k per set ang binile ko roadian lang 36k lang.. everytime na makakakita ako ng naka nitio nagsisisi ako.. sana nag nitto nalang ako... parang gusto ko tuloy magpalit ng nitto...
baka lumaki lalo gastos ko...

pero kung wala ka pang pang tuition, pangkain, pangbayad sa credit or debit cards... dapat magtipid ka....

tama si shadow life is too short... enjoy life.. wag kuripot sa sarile....

[kimbon]

to some extent agree ako dito..... nag tipid nga ako sa tires ko.. imbes na nitto 80k per set ang binile ko roadian lang 36k lang.. everytime na makakakita ako ng naka nitio nagsisisi ako.. sana nag nitto nalang ako... parang gusto ko tuloy magpalit ng nitto...baka lumaki lalo gastos ko...

Hmmm tanong lang di kaya ito yung kasabihang na "penny wise and pound foolish"

[glenn manikis]

Hmmm tanong lang di kaya ito yung kasabihang na "penny wise and pound foolish"

medyo ganun na nga sir.. im seriously thingking of buying nitto tires... i want bigger tires din...

kaso nga lang sayang yung tires ko na kaka bile ko lang sama mo pa pati yung stock mags and tires ko..

pero sakin naman.. yung savings ko.. savings talaga.. hindi ko ginagalaw.. yung extra expenses ko nangagaling po sa kita ko.. like for example this month i earn 500 pesos babawasan ko lang pinaka malaki na ang 100-130 pesos then yung gusto kung bilhin..... pagkakasyahin ko sa 130pesos... then the rest savings and regular expenses na sa buhay... pero kung sa susunod na buwan kumita lang ako ng 100pesos... malaki na ang 10 pesos ibabawas ko para sa extra expenses ko... pam bile ko ng kendi at boy bawang.. then the rest savings and expenses na sa bahay, tuition etc...

im not the type of person that worry about spending small amounts of money, then carelessly spend much much larger amounts on foolish things....

IMO on my part to enjoy LIFE... my lifestyle and or spending should depend on my income for the month...

[jut703]

if you can afford it bilhin mo na, life's too short para Sa kontin Pagtitipid.

I disagree. Mahaba pa buhay ko dami ko pa kailangan pagipunan 😂

Yung little na pagtitipid sets a sense of discipline and more importantly contentment.

Kung buwan-buwan ko uubusin yung sweldo ko san ako pupulutin in 10 years 😭


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[_Qwerty_]

if you're ok without it.. then you don't need it..

[kimbon]

below comments in bold fonts...

Sayang lang yan tipid tpid na wala naman significant na maiipon.
Agree here as ms cathy said earlier.
Kung meron ka gusto bilhin. if you can afford it bilhin mo na,
ang tanong talagang bang kailangan bilhin yang bagay o hindi naman kahit na ba can afford eh
life's too short para Sa kontin Pagtitipid.
bat gaano ba kaikle ang life is short para sayo?
Rule of thumb. Kung hinde mo kakahirap or hinde mo rin kakayaman pag meron ka binili. Go for it!
IMO di dapat ganyan ang pananaw sa buhay. di naman issue kung hindi ikakahirap o ikakayaman eh...

continue... just a thought lang bakit kaya yung mga dating mas mahirap pa sa daga ang kalagayan sa buhay eh bakit ngayon nakaka-angat o di kaya yumahan sa buhay sa malinis na paraan??

[A121]

below comments in bold fonts...

continue... just a thought lang bakit kaya yung mga dating mas mahirap pa sa daga ang kalagayan sa buhay eh bakit ngayon nakaka-angat o di kaya yumahan sa buhay sa malinis na paraan??

hindi rin. makakahanap ka rin ng mga ganyang tao na walang pinagbago. iba ang kuripot at makunat sa masinop.

kaya yumayaman yung mga tao is because they were able to step-up and do more when compared to the average.

[_Cathy_]

My new year's resolution:

I will stop buying branded items. I will only buy the cheapest functional option.

I will not replace an item until it is worn out or falling apart (I do this for some items, naaawa na lang friends or family ko and they buy me a replacement without my asking )

I'm going to always choose the option where I don't have to pay (wake up early to avail of free parking)

I will NOT spend anything from Mon-Thu (merienda or drinks etc)

I will not use data on my cellphone! I've lived without internet on my phone until 2012. I can do it

No shoes for the rest of the year (after I buy all the basics)

[99moves]

My new year's resolution:

I will stop buying branded items. I will only buy the cheapest functional option.

I will not replace an item until it is worn out or falling apart (I do this for some items, naaawa na lang friends or family ko and they buy me a replacement without my asking )

I'm going to always choose the option where I don't have to pay (wake up early to avail of free parking)

I will NOT spend anything from Mon-Thu (merienda or drinks etc)

I will not use data on my cellphone! I've lived without internet on my phone until 2012. I can do it

No shoes for the rest of the year (after I buy all the basics)

or you could scratch all of those and get a high paying job instead. 6 resolutions against 1. dun na ako sa mas konti

[gearhead000]

From Ms. Cathy's list:

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 Kahit mga P500 lang difference between cash and credit, P500 pa rin yun. Hehe.
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 Sulit/OLX,TPC/TCP 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 Used to be madalas ako sa Rob Metro East kasi free parking. Since me bayad na sa Sta. Lucia na ulit ako me portion na free parking. Sa office libre parking kami, pero pag di umabot dun ako sa labas na libre din medyo malayo nga lang.
16. I plan my trips - Asar na asar ako kapag me pupuntahan kami then sabog-sabog ang itinerary. yung tipong pabalik-balik lang.

[Ry_Tower]

Some things I do.

1. I always pay for my credit card in full and on time as well
2. I don't purchase items with interest s much as possible as well
3. I go to my suking talyer and barber para mura and decent naman service.
4. Buy high quality items para tumagal. It saves in the long run imho.
5. Same wth cathy, I am slowly replacing oregular lights with LED lights
6. I gass up kung saan may promo.
7. Nag-aabang kami nang sale sa mga grocery/supermarket stores, lagi meron niyan eh.
8. Like cathy wala na din ako magazine and newspaper subscrition, meron na din sa internet eh.
9. I plan ahead para tipid din sa fuel and much more efficient ang lakad. Same goes for taking a vacation.
10. Sometimes I wash my cars.
11. We seldom eat outside, mas matipid kapag niluto sa bahay and masarap din naman. Kudos to my wife for that.

[leodawesome]

1. Buy in bulk if possible
2. 60-40 rule, pero minsan 80-20 (life is short :D )
3. I always use mercury drug suki card, SM advantage cards, robinsons card and the likes para may returns for every purchase. Kapag naipon pangbili ng toys ng anak ko.
4. If kaya DIY, Ill do it. Pero syempre with proper knowledge and research. Baka ma-destroy-it-yourself ko
5. I use my credit card for gassing up. Para may rebates naman. I always pay it before the due date and full amount.
6. Nagbabaon ako ng packed lunch, or shall I say dinner. (Euro time work shift)

Isa lang di ko tinitipid: fine dining.

EDIT: isa pa pala: airconditioner :D

[falken]

Some things I do.

1. I always pay for my credit card in full and on time as well
2. I don't purchase items with interest s much as possible as well
3. I go to my suking talyer and barber para mura and decent naman service.
4. Buy high quality items para tumagal. It saves in the long run imho.
5. Same wth cathy, I am slowly replacing oregular lights with LED lights
6. I gass up kung saan may promo.
7. Nag-aabang kami nang sale sa mga grocery/supermarket stores, lagi meron niyan eh.
8. Like cathy wala na din ako magazine and newspaper subscrition, meron na din sa internet eh.
9. I plan ahead para tipid din sa fuel and much more efficient ang lakad. Same goes for taking a vacation.
10. Sometimes I wash my cars.
11. We seldom eat outside, mas matipid kapag niluto sa bahay and masarap din naman. Kudos to my wife for that.

These are exactly the same stuff we do to save money.

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[glenn manikis]

Enjoy your life... Pero dapat may savings pa din...
Me I only spend small percentage of my income... The rest savings...


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[jut703]

Enjoy your life... Pero dapat may savings pa din...
Me I only spend small percentage of my income... The rest savings...


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And you can only do that if you live below your means.

A lot of people buy the latest this and that because technically they can afford it, but it comes at the expense of savings and investments which in turn hurts their long term financial health.

It's okay to spend 100k per month if your income is 1M, as compared to spending only 50k per month but your income is only 60k. It's all about budgeting and having a mindset focused not only on the short term.


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