Frugal Living: What Habits Help You Save Money?

**chronicle** · March 27th, 2018 05:18 PM

Originally Posted by _Cathy_

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

Be as frugal as possible. Give away your dog, car, lifestyle, luho?

Ts from other thread seems to be just good at keeping his money.

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**_Cathy_** · March 27th, 2018 05:19 PM

Originally Posted by mda

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

We sign a form that we have to declare all our investments (securities related) because we have access to information that we can use to our advantage.

Nakakatawa everytime you buy or sell you need approval from compliance/legal e that takes how many days? Kaya yung iba they don't declare na lang.

**mda** · March 27th, 2018 05:20 PM

Originally Posted by chronicle

Be as frugal as possible. Give away your dog, car, lifestyle, luho?

Ts from other thread seems to be just good at keeping his money.

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Anything but the dogs! Ours just eat leftovers though haha.

**mda** · March 27th, 2018 05:21 PM

Originally Posted by _Cathy_

We sign a form that we have to declare all our investments (securities related) because we have access to information that we can use to our advantage.

Nakakatawa everytime you buy or sell you need approval from compliance/legal e that takes how many days? Kaya yung iba they don't declare na lang.

Yung ginagawa ng mga kakilala ko they make investments in the name of their siblings/parents to avoid this kind of scrutiny. Sila rin naman humahawak though.

Saka sa pagkaalam ko, if you invest in funds hindi ganun ka strict unless the information you handle affects those funds directly... right?

**_Cathy_** · March 27th, 2018 05:25 PM

Originally Posted by chronicle

Be as frugal as possible. Give away your dog, car, lifestyle, luho?

Ts from other thread seems to be just good at keeping his money.

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I would rather die. I will never give away my fat lab because she is my happiness.

Her food and supplements/meds don't cost me P10k a month. My estimate is around P6k

**_Cathy_** · March 27th, 2018 05:28 PM

Originally Posted by mda

Anything but the dogs! Ours just eat leftovers though haha.

You know me so well! hahaha! When my fat lab got hospitalized nga, I was so upset, pati ako na hospital (I fainted from lack of sleep and food)

Originally Posted by mda

Yung ginagawa ng mga kakilala ko they make investments in the name of their siblings/parents to avoid this kind of scrutiny. Sila rin naman humahawak though.

Saka sa pagkaalam ko, if you invest in funds hindi ganun ka strict unless the information you handle affects those funds directly... right?

Tama

But my risk appetite is low e (risk averse)

**mda** · March 27th, 2018 05:31 PM

Originally Posted by _Cathy_

You know me so well! hahaha! When my fat lab got hospitalized nga, I was so upset, pati ako na hospital (I fainted from lack of sleep and food)

Tama

But my risk appetite is low e (risk averse)

If you plan to live to about 20 years more, investing in at least the stock markets will not hurt. Wala pang 20 year downturn yung market so far...

Marami kumikita sa peso cost averaging... although ako mismo hindi sumusunod hehe.

**chronicle** · March 27th, 2018 05:33 PM

Originally Posted by _Cathy_

I would rather die. I will never give away my fat lab because she is my happiness.

Her food and supplements/meds don't cost me P10k a month. My estimate is around P6k

I didnt read the comments after. I retract the dog thing din. Hehe

I list down mo yung mga expenses mo just like jut said. May mga apps dito na namention to monitor the expenses.
Then, 1 by 1 eliminate them according to your needs. Savings may start small, but at least it is a start.

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