Frugal Living: What Habits Help You Save Money?

[unmarked]

careful lang sa pag gamit ng debit card. that is your cash. pag na skim yan dali pera mo. unlike CC, until binayaran mo pera ng banko yan.

[_Cathy_]

careful lang sa pag gamit ng debit card. that is your cash. pag na skim yan dali pera mo. unlike CC, until binayaran mo pera ng banko yan.

That's why I don't use my debit card. Only did it once in over a decade.

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[shadow]

Kung talaga frugal yun mga prepaid credit cards gamitin. Pag walang load eh di Hinde magamit.


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[kimbon]

basically debit card is likely similar to piggy bank. susungkitin ang pera sa piggy bank when needed. As platinum globe subscriber pinadalhan nga ako ng globe blue debit card pero di ko ginagamit sa pambayad. ang silbi lang sakin nito I get priority lane kapag nasa globe business center. may sariling pila ang platinum subscribers.

[viper888]

What we do is we have a separate account for debit use, we never put more than 20k in it unless we are going abroad.


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[n_spinner06]

Parang may nabasa ako before na kapag ginagamit mo credit card and you pay on time, you can get lower rates when applying for loans. Credit rating or something. Haven't experienced it personally though. If true, laking benefit nito if kailanganin magloan sa future...

[shadow]

Parang may nabasa ako before na kapag ginagamit mo credit card and you pay on time, you can get lower rates when applying for loans. Credit rating or something. Haven't experienced it personally though. If true, laking benefit nito if kailanganin magloan sa future...

Wala pa yan. Parang maguumpisa pa Lang yun integrated credit ratings dito. From utilities, cellphone bills and other loans.


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[Vodka]

save money? buy PRODUCTS, not BRANDs.

e.g. those oakleys or raybans that are so popular w/ sheeple are made by the evil monopolistic corp Luxottica

don't buy apple. remember folks, if you removed ALL APPLE PRODUCTS in the world today, we'd be ok tomorrow. can't say the same about microsoft products. apple simply overprices coz people are willing to hand over the cash, so just don't

[jut703]

save money? buy PRODUCTS, not BRANDs.

e.g. those oakleys or raybans that are so popular w/ sheeple are made by the evil monopolistic corp Luxottica

don't buy apple. remember folks, if you removed ALL APPLE PRODUCTS in the world today, we'd be ok tomorrow. can't say the same about microsoft products. apple simply overprices coz people are willing to hand over the cash, so just don't

Same goes for anything branded. Why single out Apple?

Samsung pricing their Note 5 at 35k is ok but the iPhone 6S+ at 40k is overpriced?

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[unmarked]

Same goes for anything branded. Why single out Apple?

Samsung pricing their Note 5 at 35k is ok but the iPhone 6S+ at 40k is overpriced?

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and the world is a lesser place without apple products. Steve Jobs is a genius.

[KenGarcia]

save money? buy PRODUCTS, not BRANDs.

e.g. those oakleys or raybans that are so popular w/ sheeple are made by the evil monopolistic corp Luxottica

don't buy apple. remember folks, if you removed ALL APPLE PRODUCTS in the world today, we'd be ok tomorrow. can't say the same about microsoft products. apple simply overprices coz people are willing to hand over the cash, so just don't

Same goes for anything branded. Why single out Apple?

Samsung pricing their Note 5 at 35k is ok but the iPhone 6S+ at 40k is overpriced?

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I don't think Apple just simply overprices their products (like for mooooooore profits). May mga factors naman kasi to consider. Materials, Build Quality, Research and Development, Costs, Marketing and Advertising and so much more.

[XTO]

okay ang vault para sa mga titulo at alahas plus konting cash say 50K pang emergency.


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[compact]

Bill in my credit card is directly debited from my salary, hence I am sure that I am not paying any interest at all.

[jut703]

Moderator's Note: Take the brand discussion elsewhere. It's been derailing the thread for several posts now.

Perhaps we can get back to the topic.


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[_Cathy_]

Take advantage of sales. There are items that I will never buy on regular price.

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[badkuk]

As much as possible, we make use of available free WiFi and send IMs instead of SMS to my siblings/cousins -- esp. pag nagbobroadcast ako ng oil price hike/rollbacks

[crazy_boy]

i go to Landers Otis for haircut para free

[greenlyt]

take the UV Express to and from the office
buy lunch sa jollijeep

[papi smith]

I buy in bulk whenever there is a sale, but just enough for 1 year supply. Like Breeze liquid detergent at half price. BDO rewards huge discount offers at Watsons.

We gas up at the cheapest gas station. If they are all the same, we choose Caltex, they offer better rebates for gas, P10/1k vs P4/1k of Shell and Petron.

Also like badkuk, we keep the extra condiments from fastfood stores, because of this we rarely buy catsup. The plastic spoons and forks we did before, but we realized we had accumulated so much than we needed, we threw it away.

I also buy cheaper items in the US, like vitamins, laptop, etc,

We stopped buying those bargain hotel staycations online.

[Wh1stl3r]

I buy in bulk whenever there is a sale, but just enough for 1 year supply. Like Breeze liquid detergent at half price. BDO rewards huge discount offers at Watsons.

We gas up at the cheapest gas station. If they are all the same, we choose Caltex, they offer better rebates for gas, P10/1k vs P4/1k of Shell and Petron.

Also like badkuk, we keep the extra condiments from fastfood stores, because of this we rarely buy catsup. The plastic spoons and forks we did before, but we realized we had accumulated so much than we needed, we threw it away.

I also buy cheaper items in the US, like vitamins, laptop, etc,

We stopped buying those bargain hotel staycations online.

I used to buy everything in bulk too, until I noticed the shampoo we get locally in bigger containers are a lot more fluid, or seems watered down. Also noticed people in the house tend to use bigger portions when they come in big containers.

Now I limit buying in bulk to things that can't be watered down, like toilet paper.

For clothes and shoes, I almost never buy anything except if it's on sale.