Frugal Living: What Habits Help You Save Money?

**jut703** · January 11th, 2018 11:25 AM

Originally Posted by Archerfish

It says that premium is 249. May I know where did you get that 129? Thank you.

Oh 249 ba, I don't really remember. Bought mine a year ago. Either prices have changed or I recalled wrong. In any case, sulit pa rin considering how easy it has made it to track my expenses.

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**CVT** · January 11th, 2018 11:29 AM

Originally Posted by jut703

Yung sakin ganun. There's a concept I follow which is breaking things down into bite-sized pieces - I track expenses daily, then every 2 weeks I have a checkpoint to see if I'm overspending or not.

Pag sumobra gastos ng January, cut back konti ng Feb. And then tingnan kung saan sumosobra gastos - sa gimik ba, damit, etc. And then adjust accordingly.

All in all it takes about 1-2 hours a month to recon everything, pati na yung few seconds a day of tracking expenses. If you're not too keen on specifics, mukha siyang matrabaho. But since I'm fond of drilling into details, fun siya for me.

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I really like the way you recalibrate things and approaches along the way in your expenses and lifestyle bro.

If I were still single,- I can do that,- but my situation is much more complicated with kids to feed, dress and educate.

Just for curiosity bro.,- how much(%) of your take-home pay are you saving? [outside of the one-time big time expenses like family vacation, purchase of property - car, land, house etc]

Benchmark,- in my case,- better than 50%....- I am hitting my personal target.

**SpinCycle** · January 11th, 2018 11:32 AM

Originally Posted by CVT

Bro.,- remember that we are salaried individuals,- we sell our talents for money,- and this merry-go-round will grind to a halt at a certain point in our lives.... [And that is why I have profound respect for those who spin the money to make (more) money]

And so, Day1 - we need to live on a budget.....

Agree on this. One day, companies will no longer need our particular set of skills and we’ll be left jobless. Saving up for that worst case scenario is something I’m starting to take seriously.

I’ve started setting budgets for weekday food, weekends, fuel, car maintenance, clothing, etc and tracking each and every expense. This way, I can see how I’m tracking against each itemized budget and adjust accordingly. Strangely, I’ve been getting a sense of accomplishment when I am well under budget for any item in a particular month or week.

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**Archerfish** · January 11th, 2018 11:33 AM

Originally Posted by jut703

Oh 249 ba, I don't really remember. Bought mine a year ago. Either prices have changed or I recalled wrong. In any case, sulit pa rin considering how easy it has made it to track my expenses.

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Thank you. I was thinking that I might have the wrong version or name. I already downloaded to try it out

**shadow** · January 11th, 2018 12:15 PM

Originally Posted by jut703

Yung sakin ganun. There's a concept I follow which is breaking things down into bite-sized pieces - I track expenses daily, then every 2 weeks I have a checkpoint to see if I'm overspending or not.

Pag sumobra gastos ng January, cut back konti ng Feb. And then tingnan kung saan sumosobra gastos - sa gimik ba, damit, etc. And then adjust accordingly.

All in all it takes about 1-2 hours a month to recon everything, pati na yung few seconds a day of tracking expenses. If you're not too keen on specifics, mukha siyang matrabaho. But since I'm fond of drilling into details, fun siya for me.

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Parang CDR-KING every week yata nag balance ng inventory.

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**jut703** · January 11th, 2018 12:22 PM

Originally Posted by CVT

I really like the way you recalibrate things and approaches along the way in your expenses and lifestyle bro.

If I were still single,- I can do that,- but my situation is much more complicated with kids to feed, dress and educate.

Just for curiosity bro.,- how much(%) of your take-home pay are you saving? [outside of the one-time big time expenses like family vacation, purchase of property - car, land, house etc]

Benchmark,- in my case,- better than 50%....- I am hitting my personal target.

Currently, around 75% before the monthly payments for my condo and the one-time spends.

If you include the monthly payments for the condo, it drops to around 35-40% which is below my 50% savings target. Hopefully I get a good raise this year to bring up the savings %.

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**shadow** · January 11th, 2018 12:25 PM

Originally Posted by jut703

Currently, around 75% before the monthly payments for my condo and the one-time spends.

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Ang laki ah! So wala ka pa maghulog sa condo? Ang liit naman yata ng expenses mo? Wala ka bang Utilities na binabayaran?

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**jut703** · January 11th, 2018 12:29 PM

Originally Posted by shadow

Ang laki ah! So wala ka pa maghulog sa condo? Ang liit naman yata ng expenses mo? Wala ka bang Utilities na binabayaran?

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Pagkasama yung monthlies mga 35-40% nalang. I pay for my utilities but I get free gas so malaking tulong din yun.

Ang mindset ko is to try and live like I earn like the rest of the people my age. Actually pag nakikita ko nga sa IG, mas madalas sila kumain sa mahal, magtravel sa kung saan, and gumimik.

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**uls** · January 11th, 2018 12:36 PM

Originally Posted by CVT

Bro.,- remember that we are salaried individuals,- we sell our talents for money,- and this merry-go-round will grind to a halt at a certain point in our lives.... [And that is why I have profound respect for those who spin the money to make (more) money]

And so, Day1 - we need to live on a budget.....

So dapat habang malakas pa ang katawan at kumikita pa, mag ipon at bumili sa assets na nag g-generate ng income

Like property na pwede irent out

Pag dumating ang panahon na hindi na makatrabaho, meron parin income

**shadow** · January 11th, 2018 12:38 PM

Originally Posted by jut703

Pagkasama yung monthlies mga 35-40% nalang. I pay for my utilities but I get free gas so malaking tulong din yun.

Ang mindset ko is to try and live like I earn like the rest of the people my age. Actually pag nakikita ko nga sa IG, mas madalas sila kumain sa mahal, magtravel sa kung saan, and gumimik.

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malaki pa rin kahit na round off natin sa 40% savings, maliit talga expenses mo dahil around 25%- 30% lang income mo ginagastos mo or....MALAKI lang talaga sweldo mo! pautang!