Frugal Living: What Habits Help You Save Money?

**dr. d** · August 22nd, 2019 12:53 AM

Originally Posted by Luiscachero

Hi up ko lang po ito!

I just want to ask for tips regarding the use of credit cards? I currently have two credit cards now but it's kind of a pain in the ass to pay because It eats up at least 20% of my take home pay per cut-off. Though I only use my credit cards for necessities like gas, phone bill, and groceries. Any helpful tips on budgetting will be appreciated. Thank you very much.

"refrain from using the credit card."
use it only when you have no choice.
pay cash. make it a bit more difficult for you to acquire certain things.
and the age-old adage, "buy what you need, not what you want."
you'll be surprised at what some so-called necessities, you can really go without.

"spending is an addiction. break the habit before it breaks you."

**Luiscachero** · August 22nd, 2019 03:09 PM

Originally Posted by carwhacko

IMO hindi naman credit card siguro problem mo? Those things na sinabi mo are necessities as you said siguro you need to lessen lang or make a budget / limit lang talaga for gas, phone bills and groceries. Kung ano lang need mo yun lang bilhin mo lalo sa food. Not unless may ibang purchases ka pa sa card na big amounts na hindi mo nabanggit.

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Well, for one, when I use my card for gas, I always fill up my car full tank. Pero yeah, Like what you said po, given na necessities po ito, Siguro di muna ako magffull tank all the time.... Sakit din sa bulsa haha tatlong cut-off ko pag-iipunan tapos mga 10 days lang tatagal.... I have this mentality kasi na mas makakamura ako if I buy in full tanks kaysa pa-onti onti....

**uls** · August 22nd, 2019 03:42 PM

mas hindi mo ramdam ung laki ng binabayad pag cc ang pambayad

like sa grocery lagay ka lang nang lagay sa shopping cart kasi di mo iisipin if you brought enough cash

**uls** · August 22nd, 2019 03:48 PM

well that's why the credit card was invented

para sa economy

para hindi tuwing payday lang ang consumer spending

consumers can buy stuff anytime and not worry about not having enough money

**minicarph** · August 22nd, 2019 04:08 PM

Originally Posted by Luiscachero

Well, for one, when I use my card for gas, I always fill up my car full tank. Pero yeah, Like what you said po, given na necessities po ito, Siguro di muna ako magffull tank all the time.... Sakit din sa bulsa haha tatlong cut-off ko pag-iipunan tapos mga 10 days lang tatagal.... I have this mentality kasi na mas makakamura ako if I buy in full tanks kaysa pa-onti onti....

Basta wag ka mag fill up ng 1000 or less, kasi may daya yun mga metro, 1500 ok na. Usually short changed ka kasi may kasamang hangin yun lalo na pag 500 800 ganun. I have observed this in most stations lalong lalo na big 3

**yubby24** · August 22nd, 2019 04:23 PM

Sa groceries, I buy items in bigger quantity/size. Sa toyo, suka, catsup, etc, yung malalaki ang binibili namin dahil mas mura sya compared sa mas malilit. Oo mas mahal pero pag inaadd up mo yung malilit at icompare sa malaking size, mas mura sya. Tipirin lang ang gamit para tumagal. Also, if available, buy the refills.

**Wh1stl3r** · August 22nd, 2019 04:48 PM

Originally Posted by uls

well that's why the credit card was invented

para sa economy

para hindi tuwing payday lang ang consumer spending

consumers can buy stuff anytime and not worry about not having enough money

It takes a lot of discipline but when used correctly CC can save you a lot din. Sa points/miles lang na naiipon malaki din ang pakinabang.

In HK I vaguely remember some stores even had a lower price if you used HSBC cards vs cash.

Mahirap lang mamaintain yung discipline for some people. But I think we have them to thank for helping the economy. If everyone was a tightwad we'll probably have little to no growth.

**dr. d** · August 22nd, 2019 04:49 PM

Originally Posted by Wh1stl3r

It takes a lot of discipline but when used correctly CC can save you a lot din. Sa points/miles lang na naiipon malaki din ang pakinabang.

In HK I vaguely remember some stores even had a lower price if you used HSBC cards vs cash.

Mahirap lang mamaintain yung discipline for some people. But I think we have them to thank for helping the economy. If everyone was a tightwad we'll probably have little to no growth.

the economy does not have to worry.
the tightwads are a clear minority.