Frugal Living: What Habits Help You Save Money?

[XTO]

Problema, tawag ng tawag ang mga bangko 0ffer dito offer doon ng loans without collateral, CC without requirements....nakakahiya at naririnig tuloy ng mga officemates natin tapos mga nakatingin sa akin while kinakusap ko...tapos when they hear me saying "magkano na ba yan? sige please roll" bigla sila titingin na naman....

Honestly, masarap pakiramdam pag alam mo wala ka utang, kahit konti lang pera mo masaya ka

[Ry_Tower]

Discipline is key in having a CC. Daming benifits nito lke less hassle in paying ang discounts plus buying with 0 interest. Saan ka pa.

Just pay on time everytime and you will be fine.

[ronw123w124]

Problema, tawag ng tawag ang mga bangko 0ffer dito offer doon ng loans without collateral, CC without requirements....nakakahiya at naririnig tuloy ng mga officemates natin tapos mga nakatingin sa akin while kinakusap ko...tapos when they hear me saying "magkano na ba yan? sige please roll" bigla sila titingin na naman....

Honestly, masarap pakiramdam pag alam mo wala ka utang, kahit konti lang pera mo masaya ka

Parang yung bwisit na Citibank dati, tawag ng tawag sa cellphone ko. Yung last na tumawag sa akin nabulyawan ko sa sobrang kulit, I was driving along Edsa that time, di ko talaga ugaling sumagot ng tawag habang nagdadrive kaso that time traffic naman saka may inaabangan akong tawag from a prospective client. So sinagot ko phone ko at pagkarinig kong Citibank sinabihan ko na na di ako pwede makipagusap dahil nagdadrive nga ako. Hiritan ba naman ako na sandali lang yung sasabihin nya! Short story of it, nagpupumilit na mag avail ako ng cash advance sa CC ko. Sinagot ko na may problema nga ako, hirit naman kaagad yung tangang taga Citibank "Tamang tama Sir, makakatulong ito sa problema nyo" Sinagot ko nga " Ang problema ko, di ko alam paano gagastahin ang pera ko!" sabay bagsakan ko nga.

[badkuk]

i guess case to case basis whether cash or CC is best. There's no haggling when it comes to bills, supermarkets etc, so might as well charge to CC; with certain merchants you can ask them the price if straight cash ang payment. At the end of it all, the point is to spend less

[_Cathy_]

What amount makes you feel uneasy?


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[unmarked]

What amount makes you feel uneasy?


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I once had 40k sa room ko. Thing is, i am renting an apartment (bahay up/down). Unlike you guys na nasa bahay at lupa na sarili nyo. Doesnt matter kung maliit yan for others or hindi, pero sakin napaka laki na nyan.

[Sarsi]

For two years, we list down all our expenses down to the last centavo. We review ot every month, and eliminate all those unnecessary expenses. We were able to save with that practice since we knew what are our wants and needs.

[jasonub]

If it aint broke dont replace it. If its broken, try to fix it and if yiu can fix it yourself do so.

Obsolescence is an exception and a problem, i try to sell my stuff that are almost obsolete and buy gadgets that are 1 level down from the latest.

I Try to eat more at home than out which may not be always possible.

When i see something i want i ask myself do i need it? If not i hopefully pass.

Now if i need and want something that i know i will buy, i usually try to get the best deal even if it takes a few days, few weeks, or if its expensive and could wait like an extra tv car or what even a few months. I discovered that after waiting and trying to get the best deal, you will find out if you really need it more so if more time passes away. Ex a new expensive timepiece. After 2 mo of trying to find the best deal, i passed on the purchase since nagsawa ako sa design.

[XTO]

No CC and loans.

[_Cathy_]

No CC and loans.

CC is good as long as you pay for the full balance and have the annual fee waived. It won't be any cost to you.

[XTO]

CC is good as long as you pay for the full balance and have the annual fee waived. It won't be any cost to you.

So lucky are those who can religiously follow that....a lot of people have said that again and again

[XTO]

Here, cash payment has all the advantages during negotiation/haggling and that's very important in buying. Kahit naka pangtulog ka when they hear CASH they will certainly make a second look - then it's your turn to make sipol sipol.

[CVT]

Although not true in almost all of the establishments here in the Philippines : "Cash Is King"

> Do not clutter your house

> Do not create needs [especially if the unit is on sale]

> If there is indeed a need,- "get the best value for money"

> Again,- live within your means

> Do not make the bank/credit card company happy,- instead use them.


"The measure of a man is what he does with power" LJIOHF!

28.5K _/_/_/_/_/:starwars:_/_/_/_/_/

[_Cathy_]

[COLOR="#008080"]

Although not true in almost all of the establishments here in the Philippines : "Cash Is King"

Because sometimes it's more dangerous to bring cash, for example you need to buy something in a store worth 100k. It would be a hassle to go to the bank to withdraw or have the store personnel count that amount of cash. Some stores treat straight payment as cash naman.

[dr. d]

Because sometimes it's more dangerous to bring cash, for example you need to buy something in a store worth 100k. It would be a hassle to go to the bank to withdraw or have the store personnel count that amount of cash. Some stores treat straight payment as cash naman.

1. if you didn't have a CC, you might think several times before buying that 100K item... you might even decide not to buy it! savings made!
it is precisely the trouble of buying in cash, i.e., the lack of cash in hand, that makes you defer the transaction. savings made!
2. do not consciencize yourself when you force the store guy into counting large amounts of cash. he revels in it!

truly.. try living for some time without CC.. you will be surprised that you can actually live comfortably enough, without certain items..

[shadow]

Because sometimes it's more dangerous to bring cash, for example you need to buy something in a store worth 100k. It would be a hassle to go to the bank to withdraw or have the store personnel count that amount of cash. Some stores treat straight payment as cash naman.

Hinde na kailangan dala cold cash now. Lagi na ako debit card ngayon so parang cash na rin.


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[Luap]

Oooppps....wrong thread

[shadow]

And don't be afraid of cards and loans. Tama si CVT used them. It's actually a tool for us. Take advantage of it.

Imaging you have a credit line of minimum 500k andyan lang sa CC mo.


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[unmarked]

Another point is what are you getting for spending. With cash, you get what you pay for. For Cc, you get so much more, depending sa terms ng cc mo.

Again, cashback, rebates, free annual, points, miles, freebies lahat yan.

Not to mention, security/protection, whether pre or post payment.

[viper888]

A maximum debit equal to you maximum atm withdrawal would be fair.