Frugal Living: What Habits Help You Save Money?

[jut703]

Money is just an invention by man to think that without it, you won't survive.

I be been a high roller and I've been a bum, And one thing I discovered we are all led to believe to equate our purpose with money .

Think of a man who has everything, and still not happy, and would wait for anything new to add to his evrything. Familiar, I think most oldies here already here achieved that already,

Now think of a man who has nothing and is vey unhappy, and sees a man who has everything and concludes that that that is the answer. So he spends his lifetime to be like the man who has everything, only to feel later in life what the man who has everything felt a long time ago.

Yun ang sinasabi, wtf! Are we all saving for?

They key is God. If you have nothing, pray to God, there will always be a way.

God did not put us all here to pay bills or to amass something that he already owns (he created everything ) . And hen later in life, you'll tell God. Hey God I was a very successful VP and I amassed all this house and cars and successful children. I'm better soul

Do you think God will care? To him you just did one thing straight

Now think of Jesus, he was the greatest man who ever lived, popular, gwapo, influential and he is the son of God, and yet he suffered so much and accepted it

Think about it

You claim you've been a high roller, you claim you've been a bum, but one thing I'm sure of is that you've also been a delusional troll.

But I'm curious though, what will YOU tell God?
"Hey God I was a great troll for 10 years, messing up with people's minds and claiming all sorts of things about myself"


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[cast_no_shadow]

Yes.

Leave early
You save on gas (no traffic)
No morning unnecessary stress
Free parking
You can leave work earlier

Repeat.

We do that daily, kila esmi lang mga kasama niya sa work 200 whole day! That's 1K a week for parking alone. Some sa laguna pa umuuwi!

Toll gas and parking then kakain ka pa.


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[_Cathy_]

Yes.

Leave early
You save on gas (no traffic)
No morning unnecessary stress
Free parking
You can leave work earlier

Repeat.

We do that daily, kila esmi lang mga kasama niya sa work 200 whole day! That's 1K a week for parking alone. Some sa laguna pa umuuwi!

Toll gas and parking then kakain ka pa.


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OO nga. Ang dami ko na siguro natipid if only I could wake up early Minsan kung sino pa yung malapit ang bahay sa office, yun ang late. Nung Ortigas ako nagwo work, isa ako sa pinaka maaga na dumadating.

Kung sa Laguna nakatira yan, Sta Rosa na toll sa baba P175, Calamba P214, plus P25 pa pag dadaan ka sa bagong road. But I cannot imagine travelling that far for work. Yung Las Pinas nga hindi ko rin pinupuntahan hehe.

[cast_no_shadow]

OO nga. Ang dami ko na siguro natipid if only I could wake up early Minsan kung sino pa yung malapit ang bahay sa office, yun ang late. Nung Ortigas ako nagwo work, isa ako sa pinaka maaga na dumadating.

Kung sa Laguna nakatira yan, Sta Rosa na toll sa baba P175, Calamba P214, plus P25 pa pag dadaan ka sa bagong road. But I cannot imagine travelling that far for work. Yung Las Pinas nga hindi ko rin pinupuntahan hehe.

Ang alam ko southwoods yung isa, the other santa rosa. Naka SUV pa! Hanep kako expenses nila sa transpo monthly.

Sorry na OT!

BTT

Lately we try to buy/pay in cash. Lessen CC usage.

Iba talaga pag cash ang ibabayad mo, medyo pigil ka and visually nakikita mo na mawawalan/mababawasan ka ng pera. Mapapaisip ka hehe

Ang dali mag card, pag nakita mo yung SOA mo dun pa lang mag sink in sayo.


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[EQAddict]

But I cannot imagine travelling that far for work. Yung Las Pinas nga hindi ko rin pinupuntahan hehe.

It takes me 1.5 hours to go to work everyday. Thats one way. My kids study in Qc and my wife works there as well. Im the only one who works in makati. It was either my convenience or theirs. I chose theirs. In a sense that allowed me to save money too as the transport costs, maintenance costs and not to mention the cost of buying a place in makati were all avoided.

[minicarph]

You claim you've been a high roller, you claim you've been a bum, but one thing I'm sure of is that you've also been a delusional troll.

But I'm curious though, what will YOU tell God?
"Hey God I was a great troll for 10 years, messing up with people's minds and claiming all sorts of things about myself"


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Yes, you see this is what I'm trying to get at. I've studied so many great men in history: heroes, generals, popes, emperor, Kings, prophets, messengers of God, corporate leaders like Steve jobs, presidents etc

You know why they fall? It's because their credentials and reputations are aattacked and maligned . And this is their power corrupts because of vanity

So what're just what if we preach or teach without credentials?

Now that is more interesting. You convey the message but if you get popular they can't Attack you without credentials and stuff because you don't have credentials to begin with

[_Cathy_]

It takes me 1.5 hours to go to work everyday. Thats one way. My kids study in Qc and my wife works there as well. Im the only one who works in makati. It was either my convenience or theirs. I chose theirs. In a sense that allowed me to save money too as the transport costs, maintenance costs and not to mention the cost of buying a place in makati were all avoided.

That's what a good family man would do (sacrifice his own convenience for the family). You could easily afford a house in Makati though. Magallanes is relatively cheaper. But since your parents live in Makati it's okay na rin not to buy. Hehe.

A bit OT, I saw shang in BGC and my dream is to buy a unit there (never gonna happen) My friend said its around 150 million. If only I had that kind of money for a condo. Wow!

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[EQAddict]

That's what a good family man would do (sacrifice his own convenience for the family). You could easily afford a house in Makati though. Magallanes is relatively cheaper. But since your parents live in Makati it's okay na rin not to buy. Hehe.

A bit OT, I saw shang in BGC and my dream is to buy a unit there (never gonna happen) My friend said its around 150 million. If only I had that kind of money for a condo. Wow!

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Thanks Cathy!

Haha I have this semi-irrational dream of living somewhere in makati. San lorenzo or magallanes. But the prices are crazy.
I'm saving and saving but every year the inflation overtakes my savings. Really can't afford those places unless I win the lotto.

Ot: the california powerball is at 800$ M already hehe.

[kimbon]

That's what a good family man would do (sacrifice his own convenience for the family). You could easily afford a house in Makati though. Magallanes is relatively cheaper. But since your parents live in Makati it's okay na rin not to buy. Hehe.

A bit OT, I saw shang in BGC and my dream is to buy a unit there (never gonna happen) My friend said its around 150 million. If only I had that kind of money for a condo. Wow!Sent from my GT-N7100 using Tapatalk

never ever buy a unit in Shang even I have extra funds instead of I will buy a lot, xx hectare looot. ang mga unit owner sa shang galit na talaga sa pera mga yan.

BTT - my dad is always reminding us until today every time we earned 100, save at least half or more of our income. Di daw habang buhay may earnings kaming mga sibling . some Filipinos asked me why are Chinese entrepreneurs successful, what's our secret? no secrets, just simply for every 100 earned literally, we don't spend 110. stay low profile lang.

[_Cathy_]

Thanks Cathy!

Haha I have this semi-irrational dream of living somewhere in makati. San lorenzo or magallanes. But the prices are crazy.
I'm saving and saving but every year the inflation overtakes my savings. Really can't afford those places unless I win the lotto.

Ot: the california powerball is at 800$ M already hehe.

crazier in your parents place esp since BGC All your condo and lot purchases combined could afford you a house in Magallanes kaya.

never ever buy a unit in Shang even I have extra funds instead of I will buy a lot, xx hectare looot. ang mga unit owner sa shang galit na talaga sa pera mga yan.:

If I had so much money I would definitely buy there IF I have my dream home already. But I am at disbelief at the P150m price

[unmarked]

Talk here reminds me of my pop's friend who reported directly to the son of one of the richest pinoys. The friend bought a rolex in HK, showed it to his boss and his dad. The big boss then showed his rolex, sharing he spent a tiny fraction of the price bec he got it from.. none other than... greenhills tiangge. They all had a good laugh.

Big boss is JG. Son is LG.

Kung ako rin ganon ka yaman kahit pekeng lacoste sa divi suotin ko paniwalaan pa rin ng tao e hahahaha.

But on a more serious note, at the end of the day, just.. OWN it, period. people smell confidence and insecurity. When you know you dont have to have the bling to blend in, that's true happiness.

[badkuk]

Talk here reminds me of my pop's friend who reported directly to the son of one of the richest pinoys. The friend bought a rolex in HK, showed it to his boss and his dad. The big boss then showed his rolex, sharing he spent a tiny fraction of the price bec he got it from.. none other than... greenhills tiangge. They all had a good laugh.

Just imagine if that japeyks Rolex got sold/auctioned as JG's Rolex ^_^

[unmarked]

Just imagine if that japeyks Rolex got sold/auctioned as JG's Rolex ^_^

JG just called and wishes to tell you bigyan ka nya ng % pag nahanapan mo sya buyer hahaha! #whenOpportunityKnocks

[ronw123w124]

- paying credit card bills in full and on time
- paying real estate tax and assoc. dues early to avail of 20% discount

Yan ang naiisip ko on top of my head right now, misis ko ang magaling pagdating sa mga promo ng credit cards and grocery, isa pang natutunan ko sa kanila ng MIL ko eh pag bibili ka sa Mercury Drug its actually better to buy their GC's and use them for purchases later on rather than paying it with your CC, may ineexplain sila sa akin na at least for our CC's wala daw points yung pagbili ng medicines pero may points pag GC ang binili mo. Dunno how or why, basta tuwing may bibilhin ako sa Mercury binibigyan ako ng GC ni esmi. Misis ko kasi mabusisi when it comes to ongoing promos ng mga CC, early last year my mom was confined in the hospital for a major surgery since kami ang toka sa hospital bills inalam ng misis ko yung different promos sa mga CC's that we have, eh pinakasulit yung sa BDO-AMEX, for every 30k spent pwede ka mag avail ng P1k na GC sa SM, since we were in the hospital daily, nagbabayad din kami daily, tig 30k kami each time, minsan 2x a day kami magbayad. By the end of it, madami kami nakuhang GC sa SM that we didn't spend a single cent para sa mga inaanak namin this last Christmas

[unmarked]

^^ good job ke misis.
Very powerful ang CCs. Kung pwede lang kahit mineral water i cc ko sa 7/11 LOL. Basta babayaran ng buo.

Ung iba nga sa work related travel insist personal CC ang gamitin tapos babayaran nalang ng company sa kanya.

Then the guy earns points/miles/rebates sa sarili nyang Cc of course and that is essentially free flights/free money. Wais.

[ronw123w124]

^^

Ung iba nga sa work related travel insist personal CC ang gamitin tapos babayaran nalang ng company sa kanya.

Then the guy earns points/miles/rebates sa sarili nyang Cc of course and that is essentially free flights/free money. Wais.

Gawain din namin yan, lalo na nung kasagsagan nung promo ng HSBC na free ticket to HK for every
X amount spent

[_Cathy_]

Brand loyalty where I have a discount card or could earn points.

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[shadow]

Gawain din namin yan, lalo na nung kasagsagan nung promo ng HSBC na free ticket to HK for every
X amount spent

Nalugi HSBC diyan. Lalo na yun free miles Sa Cathay.


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[machine.pistol]

Fe: GH "Rolex"

My friend was general counsel for a milk company owned by a Tsinoy. On my friend's birthday, the Tsinoy owner/chairman/CEO invited him to lunch outside as a treat. "Outside" meant Via Mare inside a mall across from their office in Makati. The boss ordered just lugaw for both of them, explaining that that was the reason why he was wealthy. My friend could not forget that experience.

[ronw123w124]

Nalugi HSBC diyan. Lalo na yun free miles Sa Cathay.


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Dahil dyan, nilibre namin MIL ko on a HK trip, pati hotel namin libre because of CC points, basically we only spent for food and shopping and of course, to take our little princess to Disneyland.