Frugal Living: What Habits Help You Save Money?

[uls]

wasteful lifestyle Cathy

buy too much

expire tapon

[sean-archer]

I don't know what to cut down na nga. I don't even buy clothes, shoes or bags. Paulit ulit na nga suot ko e hahaha! Yung eating out ko average twice a week na lang.

I think I need to list down the things I spend on. I don't know where the rest of my money goes. Most of it sa transpo, meds and fat lab

Let go of Kylie. Peace. Hehe.

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[XTO]

ok lang yan, what is important is yung nakikita ng tao. pag sinave mo di na nila makikita e di sayang

honestly, BASIC NEEDS over WANTS.

[_Cathy_]

Let go of Kylie. Peace. Hehe.

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Take back what you said.

That is equivalent to telling me ipamigay ko anak ko

[_Cathy_]

you dont even have to list

just look at all the stuff you have in stock

those personal care products that you hoard

you overbuy and underuse

and ung online shopping mo

small amounts nga pero madami

it adds up

When it comes to my personal care products I have to hoard because it is cheaper to buy abroad kaya I have stock good for 1 year. Tipid pa rin ako

[sean-archer]

Take back what you said.

That is equivalent to telling me ipamigay ko anak ko

Naku sorry mam cath. It's a bad joke. Sorry again.

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[jut703]

How can I save 3M cash in 7 years just like the TS in another thread

Step One: Know how much you spend. I'm sure you know how much you earn. But if you're not deliberate about tracking your spending, chances are you'll spend whatever you have.

Simple lang naman yung equation na kailangan mong sundan:

INCOME - SAVINGS = SPENDING

It's been said many times, many ways - Pay yourself first; live below your means; delayed gratification; and so on. I'm sure alam mo na lahat yan - ang key nalang is if you have the discipline to make the necessary adjustments.

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[_Cathy_]

Step One: Know how much you spend. I'm sure you know how much you earn. But if you're not deliberate about tracking your spending, chances are you'll spend whatever you have.

Simple lang naman yung equation na kailangan mong sundan:

INCOME - SAVINGS = SPENDING

It's been said many times, many ways - Pay yourself first; live below your means; delayed gratification; and so on. I'm sure alam mo na lahat yan - ang key nalang is if you have the discipline to make the necessary adjustments.

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I'm so bad at money, I don't even know my exact gross income

I used to be able to save half of my salary when all my car related expenses and credit card was still paid for by my Mom. I just use the first half salary, yung second half hindi ko ginagalaw. Pero ngayon I have to sometimes borrow money from my Mom.

My problem is I have no discipline and self control

[jut703]

My problem is I have no discipline and self control

The first step to solving a problem is acknowledging it. Now you have to decide if you really want to do something about it or you'll just leave it at that.

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[mda]

I'm so bad at money, I don't even know my exact gross income

I used to be able to save half of my salary when all my car related expenses and credit card was still paid for by my Mom. I just use the first half salary, yung second half hindi ko ginagalaw. Pero ngayon I have to sometimes borrow money from my Mom.

My problem is I have no discipline and self control

Do you invest your money anywhere? Working at a bank, you should know na maraming outlet for investing hehehe