Frugal Living: What Habits Help You Save Money?

[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

[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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[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??

[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"

[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]

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...

[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)