Frugal Living: What Habits Help You Save Money?

[unmarked]

Carinderia food at work > fastfood. For a lower price may karne at gulay ka na. Pero nothing beats baon. Kaya lang since renter ako mas tipid mag carinderia kesa mag luto ng ulam para sa isa.

[IamVince]

Have a weekly and monthly budget and stick to it. Better yet, ditch the cards and pay in cash. If you don't have cash to pay for it, means you can't afford it (except big ticket items like cars, houses)

[Walter]

There are instances when it's better to use credit cards compared to cash ... as long as you have self discipline ... there are cash back credit cards that give 5% discount on groceries, 4%-5% on fuel, 3% on utility bills, 2% on dining and 1% on medicine ... Security Bank, Citibank, Standard Chartered have cash back credit cards ...

[_Cathy_]

There are instances when it's better to use credit cards compared to cash ... as long as you have self discipline ... there are cash back credit cards that give 5% discount on groceries, 4%-5% on fuel, 3% on utility bills, 2% on dining and 1% on medicine ... Security Bank, Citibank, Standard Chartered have cash back credit cards ...

Same here. I use CCs to take advantage of freebies or discounts. It's okay to use your card as long as you can pay it in full.

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[jut703]

Have a weekly and monthly budget and stick to it. Better yet, ditch the cards and pay in cash. If you don't have cash to pay for it, means you can't afford it (except big ticket items like cars, houses)

What if I have the cash to pay for it in my bank, but I use my card anyway?

After brunch with my friends last weekend, I realized that there are so much perks from points earned with credit cards.

I rarely use my card except when I'm abroad, but I just realized there's a lot you can save if you use your card on anything that costs the same whether card or cash.

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[kai s.]

What if I have the cash to pay for it in my bank, but I use my card anyway?

After brunch with my friends last weekend, I realized that there are so much perks from points earned with credit cards.

I rarely use my card except when I'm abroad, but I just realized there's a lot you can save if you use your card on anything that costs the same whether card or cash.

I put the cash equivalent in an envelope naman

I use my card even when I have cash because 1) I get to keep track of my expenses and 2) the points I get with every purchase. Like Cathy, I just put the same amount I charged in a "CC payment" envelope and always, always pay in full the amount due

I even let my officemates book their flights to and from their provinces using my card -- they wouldn't need to pay over the counter, I get more points (convertible to GCs).

[jut703]

I use my card even when I have cash because 1) I get to keep track of my expenses and 2) the points I get with every purchase. I just put the same amount I charged in a "CC payment" envelope and always, always pay in full the amount due

I even let my officemates book their flights to and from their provinces using my card -- they wouldn't need to pay over the counter, I get more points (convertible to GCs).

Yun nga eh. If I learned about points earlier, baka nakafree flight na ko :/

Kaso wala ata miles sa BPI. PNB lang and HSBC I think..

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[Wh1stl3r]

Subscribe to premium cable channels. Di ka na lalabas ng bahay. ��

When I was working my first job, I would bring a packed lunch and water to work. Even now I always bring a liter of water in the car. So I don't have to buy bottled water. Good for the environment pa. I also try not to eat out as much as possible.

Re: CCs it's ok if you always pay in full each month. Some even offer installment options for the same price. I remember in HK there are stores that even give a discount if you use their affiliated card.

It's good to shop in places that offer discount for cash purchases. That's the only time I use cash.

[badkuk]

some people i know either pay up in advance, or pay a few days after making a CC purchase...para ramdam agad nila yung sakit 😀

[_Cathy_]

some people i know either pay up in advance, or pay a few days after making a CC purchase...para ramdam agad nila yung sakit 😀

I put the cash equivalent in an envelope naman

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[CVT]

You don't go fooling around and painting the town red like there's no tomorrow....

Saves you a lot of money, right?

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

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[Walter]

I put the cash equivalent in an envelope naman
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You can open a separate savings account just for credit card payment(s) ... transfer the funds there every time you use a credit card ...

[99moves]

Use a hair clipper to cut my own hair. No more barber fees and tips. Wala na din kwentong barbero.

[badkuk]

don't pass through the mall on your way to work or home. Too much temptation -- a burger here, a coffee there, it all adds up.

Nagbabaon ako ng fruits and biscuits dito sa office to avoid buying at the canteen and convenience stores. Need to lose some weight anyways

[badkuk]

i never throw out extra plastic utensils, tissue, sugar/creamer/ketchup packets etc. , yun ang binabaon ko sa office. It's more about not being wasteful rather than being frugal.

It would be interesting to see, kung maipasa yung sugar tax, kung galante pa rin ba magbigay ng sugat packets yung restos😀

[Ry_Tower]

i never throw out extra plastic utensils, tissue, sugar/creamer/ketchup packets etc. , yun ang binabaon ko sa office. It's more about not being wasteful rather than being frugal.

It would be interesting to see, kung maipasa yung sugar tax, kung galante pa rin ba magbigay ng sugat packets yung restos😀

I also do this. In a small way being unwasteful has an added bonus of frugality.

[jut703]

After a month of vacation, it feels good to be back at work meeting all these simple businessmen. They have millions worth of capital yet dress and live simply.

Serves as a good reminder that we can be content with much less. Corporate Manila can really get you caught up in a culture of consumerism.

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[_Cathy_]

I want to target not buying any clothes or shoes for the whole year. My problem is our labandera has hands made out of steel brush. My clothes are either faded or full of small holes after several washes

It's easy for me to not buy shoes for a year as long as none of my current need to be replaced.

I will only drink water in restaurants. Mainly for health reasons, secondary for savings. I used to do this but my office BFF likes to order drinks so I would be tempted to do the same

[badkuk]

You really don't need the math for #1. Ultimong mga inumin, that's around 20 pesos and upwards vs. magdala ka ng water bottle. 100 pesos can barely fill you up at Jollibee vs. eating at home.

[minicarph]

Yun corned beef bumili ka ng isang lata. Every meal samahan mo ng itlog saka cream cheese.
Sa wheat bread.

Mapapansin mo yun lata corned beef tatagal ng 5 days. Magkano latang corned beef, P200. Parang P40 / day kain mo.