How to Control Spending

[cast_no_shadow]

Sarap magbasa ng tips.

ang problema ang hirap gawin sa totoong buhay

On our part i'm thankful magkaiba kami ugali ni esmi regarding finances and i will give her the credit kasi kung magka ugali kami malamang saan na kaya kami pupulutin.

Lately i practice paying in cash yung mga purchase na "want" lang not "need"

Sisipa sayo na iba talaga pag cash ang huhugutin mo sa bulsa mo at iaabot mo para ibayad parang ang sakit sa pakiramdam.

[Ry_Tower]

Sarap magbasa ng tips.

ang problema ang hirap gawin sa totoong buhay

On our part i'm thankful magkaiba kami ugali ni esmi regarding finances and i will give her the credit kasi kung magka ugali kami malamang saan na kaya kami pupulutin.

So spending is like *** din pala, you're the gas pedal, she's the brakes. hehehe

[cast_no_shadow]

So spending is like *** din pala, you're the gas pedal, she's the brakes. hehehe

Parang *** nga brod hehe

gusto mo pa kaso ayaw na niya hehe

[shadow]

leaving your ATM and credit cards at home, defeated the purpose of having them... #YOLO

[shadow]

Parang *** nga brod hehe

gusto mo pa kaso ayaw na niya hehe

naks! yan ang gusto ko sayo tukayo...pinapaganda mo image mo...baka baligtad sa totoo ikaw ang hinde na kaya

[cast_no_shadow]

naks! yan ang gusto ko sayo tukayo...pinapaganda mo image mo...baka baligtad sa totoo ikaw ang hinde na kaya

TSE! hehehehe

[greenlyt]

So spending is like *** din pala, you're the gas pedal, she's the brakes. hehehe

Parang *** nga brod hehe

gusto mo pa kaso ayaw na niya hehe

talaga naman kahit saan naisasama pa rin talaga

naks! yan ang gusto ko sayo tukayo...pinapaganda mo image mo...baka baligtad sa totoo ikaw ang hinde na kaya

hehehehe kailangan na ng Rogin E

[Ry_Tower]

talaga naman kahit saan naisasama pa rin talaga



hehehehe kailangan na ng Rogin E

Robust daw sabi ni tulfo. :rofl:

[greenlyt]

^
how much do you love your wife :D

BTT
ako, ilang years na akong walang card, tingnan ko hanggang kailan ako tatagal

[_Cathy_]

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

My credit card has an ADA (auto debit arrangement) for the full balance. I just deposit the amount near the due date. I like to see the cash because it helps me be more aware of my spending. I had a short episode of spending so much on online purchases because I did not feel the pinch with my card. So now every time I make an online purchase, I take the cash equivalent out of my wallet and place it on an envelope.

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

I worked shortly at the credit card collections department when I was a fresh grad. I was so surprised to find out that many white collar workers are letting their cards revolve paying only the minimum due. It does not take a rocket scientist to know that it will take you more forever to pay this off assuming you pay religiously with no additional purchases. I think my friend computed it at 18 years ata. I forgot the amount at 3.5% interest.

You cannot spend money you don't have. People who can't control this cannot own a card.

[shadow]

Ewan ko bakit any daming takot sa credit cards? Take advantage of it... It's really handy..sa mga ayaw ng CC, pag nag abroad kayo and check in sa hotel cash binibigay niyo as safety deposit sa hotel? Parang engot naman diba?

Pag meron kayo ka meeting tapos ikaw magbabayad ng bill sa restaurant, cash ibabayad niyo?





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#retzing

[_Cathy_]

Kasi takot hindi makapag control. Yan ang sabi ng officemates ko na 30+ na wala pa rin credit card. Sakin essential ang credit card, I need a minimum of 2. Delikado naman to pay in cash for purchases over 100k. Sayang pa points/rewards/rebates

[dreamur]

Uhmmm....debit card?

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[_Cathy_]

Uhmmm....debit card?

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you mean direct from ATM debit? I prefer to use a credit card for points/rebates/rewards, straight payment is treated as cash anyway.

[winefit]

Don't control your spending coz if you do you'll be losing opportunities. Our mind is designed to move forward. If you'll allow money to stop it's progress just to keep all that opportunity tucked away in a bank or investment or something. Then you're throwing away precious time -

Remember the true race or rat race out there is achieving transcendence aka Maslow's Needs theory

Ask every successful retired executive, most of them realize Maslow's theory at a very lAte age, and wished they had more time


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[_Qwerty_]

OB kaw na naman yan?

[CLAVEL3699]

^
how much do you love your wife :D

BTT
ako, ilang years na akong walang card, tingnan ko hanggang kailan ako tatagal

Mag 10yrs na ako walang credit card... If may babayaran na malaki nagdadala ako nang debit card.

May BDO debit card ako na may points din pagginamit.

[dreamur]

Don't control your spending coz if you do you'll be losing opportunities. Our mind is designed to move forward. If you'll allow money to stop it's progress just to keep all that opportunity tucked away in a bank or investment or something. Then you're throwing away precious time -

Remember the true race or rat race out there is achieving transcendence aka Maslow's Needs theory

Ask every successful retired executive, most of them realize Maslow's theory at a very lAte age, and wished they had more time


Posted via Tsikot Mobile App

Wisdom of OB. Hear, hear!

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[greenlyt]

Mag 10yrs na ako walang credit card... If may babayaran na malaki nagdadala ako nang debit card.

May BDO debit card ako na may points din pagginamit.

pareho pala tayo papa Clavs, pero pag malaki babayaran MC ang dala ko

and yes I pay cash sa safety deposit sa Hotel abroad, para may matira pa pag uwi ko sa Pinas

[CLAVEL3699]

pareho pala tayo papa Clavs, pero pag malaki babayaran MC ang dala ko

and yes I pay cash sa safety deposit sa Hotel abroad, para may matira pa pag uwi ko sa Pinas

pareho pala tayo... or dito na ako nagdedeposit sa pinas or may arrangement na dito kaagad for booking sa hotel.