How to Control Spending

[CLAVEL3699]

Unfortunately for me, I have none of these: talent/skill+spare time+creativity

Ganda lang meron ka?

[_Cathy_]

Sure you do. I see you like dogs. You could be a dog walker, dog trainer, or dog breeder. This does not need much start up money (except for the last one).

Thanks I am planning to breed my fat lab. I'll keep one puppy and sell the rest.

I hope I can be as successful as you are that I can buy all the stuff I want

[jut703]

Easy, talent/skill+spare time+creativity+desire to earn money.

If you don't mind, could you be more specific?

I'm interested in cars, computers, and photography. I'm also adept at Excel, Photoshop, data analysis, and overall business strategy development.

I don't have much spare time since my work requires me flying back and forth from Bicol to Manila, though my time is very flexible. Also, I'm not very creative so crafting things/ideas from scratch, but I'm good with making something better. I honestly don't see what I can do on the side that would have a better payoff than doing better at my work which can make my promotion come quicker.

I don't exactly desire more money since I can live comfortably with my current income but of course it's probably nowhere what people like you earn. Making more bucks would be nice though since I wanna buy a house already.


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[_Cathy_]

Ganda lang meron ka?

Wala din. Kung meron, hindi sana ako poor

[frenchtower]

If you don't mind, could you be more specific?

I'm interested in cars, computers, and photography. I'm also adept at Excel, Photoshop, data analysis, and overall business strategy development.

I don't have much spare time since my work requires me flying back and forth from Bicol to Manila, though my time is very flexible. Also, I'm not very creative so crafting things/ideas from scratch, but I'm good with making something better. I honestly don't see what I can do on the side that would have a better payoff than doing better at my work which can make my promotion come quicker.

I don't exactly desire more money since I can live comfortably with my current income but of course it's probably nowhere what people like you earn. Making more bucks would be nice though since I wanna buy a house already.


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What exactly do you want to achieve?

You say you don't have spare time yet your work allows you to have some slack.

You say you like to buy a house but you don't have a desire to earn more?

[jut703]

What exactly do you want to achieve?

You say you don't have spare time yet your work allows you to have some slack.

You say you like to buy a house but you don't have a desire to earn more?

I want to increase my disposable income so I can increase the percentage that goes to savings and investments, and also so I can buy myself some toys every once in a while.

I control my time because it's not a 9-5 job. So I can wake up at 12nn, not report in the office, and catch up on emails by the beach. However, the sheer volume of my work means I have to balance my time even if noone's watching.

I want to buy a house, and at the rate that I'm saving, I can afford one in about 5 years from now. However, like I said in my previous post, it would be nice if I can save up quicker.


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[frenchtower]

There is a book I would like you to read while you are on the beach. The title is "4 Hours Work Week". It is not a template for your situation but it will give you some ideas.

If your main goal is to earn more money and snowball your savings, then there is no excuse for you not to capitalize on your time. There is no quick solution to earning big bucks instantaneously. You have to phase your actions and plan things carefully.

If your main goal is buying a house in less than 5 years, try and work with your bank or realtor. They may offer some help to make your dream home a reality.

Now if you want to consult an advice from me, i will have to charge you for a reasonable fee :-)

[CLAVEL3699]

Thanks I am planning to breed my fat lab. I'll keep one puppy and sell the rest.

I hope I can be as successful as you are that I can buy all the stuff I want

kayanin mo kaya yan cath? Kaw ang spotter?

[_Cathy_]

kayanin mo kaya yan cath? Kaw ang spotter?

Hindi. Kasama yan sa stud fee.

[Ry_Tower]

There is a book I would like you to read while you are on the beach. The title is "4 Hours Work Week". It is not a template for your situation but it will give you some ideas.

If your main goal is to earn more money and snowball your savings, then there is no excuse for you not to capitalize on your time. There is no quick solution to earning big bucks instantaneously. You have to phase your actions and plan things carefully.

If your main goal is buying a house in less than 5 years, try and work with your bank or realtor. They may offer some help to make your dream home a reality.

Now if you want to consult an advice from me, i will have to charge you for a reasonable fee :-)

Ah, consultancy, yan puwede kapag may free time. hehe

[chookchakchenes]

"Dont follow the crowd. "

[Yuki13]

Don't be a hypebeast.

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[viper888]

Stay away from an Apple Store

[ronw123w124]

Use your credit card only for essentials and don't bring it if going out shopping otherwise you'll end up spending more than you want to.

[dr. d]

1. leave your credit card and atm card at home.
2. bring with you only the money you need to get over the day.
3. don't buy on impulse. simmer the thought for a few days or weeks, before making the decision.
4. ang pera, pag pinasok mo na sa bulsa (o sa bangko), kalimutan mo na (act as if you don't have it.)
5. except for a few major buys, like real estate and possibly a car, don't buy on credit. make the purchase painful.
6. train yourself and your family to live simply.
7. love counting money.

[_Cathy_]

Whenever I use my card, I have an envelop where I place the cash equivalent so I can really feel the pinch of the purchase. I use my cc mainly for points or because I have no other option (online)

[_Cathy_]

2. bring with you only the money you need to get over the day.

This is something I could never do. I have a cash amount that I need to maintain on my wallet. I got this habit from both my parents. We also keep cash at home. You'll never know when the system falls and there are no ATMS or OTC cash withdrawals. haha.

[Walter]

If you have the discipline, using credit card saves money. Citibank and EasWest Cash back cards will reimburse up to 5% of your grocery, fuel & medicine purchase. Standard Chartered reimburses 3% of Shopping and Dining. BPI reimburses 5% of purchases in Ayala Malls. Maximum of 1000 monthly. With most cards you get 0.3 to 0.5% rebate through their rewards program by availing the gift cheques of certain establishments.

[Walter]

Whenever I use my card, I have an envelop where I place the cash equivalent so I can really feel the pinch of the purchase. I use my cc mainly for points or because I have no other option (online)

Instead of using envelop, open a separate bank account and transfer money there. More convenient and you can transfer the exact amount.

[Ry_Tower]

If you have the discipline, using credit card saves money. Citibank and EasWest Cash back cards will reimburse up to 5% of your grocery, fuel & medicine purchase. Standard Chartered reimburses 3% of Shopping and Dining. BPI reimburses 5% of purchases in Ayala Malls. Maximum of 1000 monthly. With most cards you get 0.3 to 0.5% rebate through their rewards program by availing the gift cheques of certain establishments.

I agree. Waive din annual fee if nakakabayad ka diligently and yes, points are actually discounts in the form of rebates. However small, it is still savings imho. Tama din sabi dito na just make sure the cash for it is separated already para alam mo na may pambayad ka. hehe