How do you guys save?

**keithdb** · July 10th, 2011 06:54 PM

at least 6 months worth of your salary not living expenses. ideally, 1 year daw.

**Wh1stl3r** · July 10th, 2011 09:45 PM

When I was a student I always said to myself "Wala akong pera. Wala akong pera. Wala akong pera." everytime I passed by a shop and saw something I though I might want to buy. Even if I had the money or not. I use only one credit card and pay off whatever I charged in full every billing period. Always pay for anything in cash if the vendor offers a discount. I like the "want" vs "need" distinction. Maybe you could start saving all your receipts from purchases and go through them at the end of every week to see if each one fulfills a "need" or just something you "want".

**yebo** · July 10th, 2011 10:20 PM

35% diretso sa savings account. saving to buy a new house e.

pag may bonus or overtime diretso at least 50% sa mutual fund. sa mutual fund kasi mas malaki ang kita. last year we made more than 55%, compare that to a savings account na 1% lang ang interest. hopefully pag tapos ko na bayaran yung house namin na una i will put all the money going to the amortization to the mutual fund.

walang credit card. nasubukan na namin yan, big black hole ang credit card. never again.

ang atm account namin pang-emergency lang ang laman. para walang impulse buying walang laman ang atm kundi emergency funds lang (good enough for a hospital deposit).

we're still paying for the house na na-ondoy, 2 cars and 2 residential lots. all those take another 35% of my earnings.

ang dumadaan sa kamay ko wala pang 4% ng kinikita ko hehehe. kawawang cowboy!

**Ry_Tower** · July 11th, 2011 12:10 AM

Originally Posted by keithdb

at least 6 months worth of your salary not living expenses. ideally, 1 year daw.

Ibang lecturer siguro kaya iba din sinabi. Basta ako cash savigs ko dapat hindi bababa sa 2 years living allowance. hehe

**highway_stud** · July 12th, 2011 04:37 PM

I agree dun sa try to save regularly. Yung tuwing payday may itatabi kang certain amount. Kahit maliit lang, at least nasasanay ka ng magsave diba? I actually have an idea if you're open to it. I started using it lang din this year and so far ok naman siya. Wouldn't recommend it if I didn't think ok siya

Its accident insurance na may kasamang savings. Yung system ng savings nila is that you have to buy these cards na ireregister mo parang load tapos papasok siya kaagad sa account mo. Redeemable in a few years (depende sa magkano ang hinuhulog mo) pero its suggested na i-lump sum mo na lang siya para mas malaki. Tapos may interest naman parati so ok din siya. Ang pinakamalaki na pwedeng bilhing card is 5,000 pero dahil every payday naman ako nag-iipon, P300 or P500 lang ang binibili ko

If you're interested, check out their official Facebook na lang -
Pioneer Sparxx | Facebook

good luck at sana makaipon ka din ng marami

**lowslowbenz** · July 20th, 2011 11:05 AM

Originally Posted by ghosthunter

Price compare between supermarkets. Buying the same products at SM supermarket/hypermart/savemore actually costs more than buying at Cherry Foodarama or other supermarkets.

Damn right! ... I actually have grocery receipts to prove this! ... Landmark Grocery here in Makati CBD is the cheapest!

**Ry_Tower** · July 21st, 2011 02:39 AM

Mahal atlaga SM at Rob, I buy from local grocery.

**chua_riwap** · July 21st, 2011 02:53 AM

Originally Posted by yebo

35% diretso sa savings account. saving to buy a new house e.

pag may bonus or overtime diretso at least 50% sa mutual fund. sa mutual fund kasi mas malaki ang kita. last year we made more than 55%, compare that to a savings account na 1% lang ang interest. hopefully pag tapos ko na bayaran yung house namin na una i will put all the money going to the amortization to the mutual fund.

walang credit card. nasubukan na namin yan, big black hole ang credit card. never again.

agree w/ the MF. yung sa 'kin, it's a good decision na nilagay ko yung pera ko sa MF.
malaki na ang kinita. kung sa SA ko lang inilagay yun, kakarampot lang ang interest.

pero siyempre, dapat maganda ang trend. so far ok naman.

**CLAVEL3699** · July 21st, 2011 09:48 AM

Originally Posted by chua_riwap

agree w/ the MF. yung sa 'kin, it's a good decision na nilagay ko yung pera ko sa MF.
malaki na ang kinita. kung sa SA ko lang inilagay yun, kakarampot lang ang interest.

pero siyempre, dapat maganda ang trend. so far ok naman.

Im using BDO equity fund... monthly ko sya hinuhugot so far sa computation ko mas malaki pa kinikita ko kung 2yrs ko sya hinahayaan lang kaso medyo matrabaho check ka lagi plus every month kailangan mo pumunta nang bank.

**lazyfoot** · July 26th, 2011 12:10 AM

when i see things that i want, i never buy it right there and then. if i really like it, i'll buy it after a week. if it's not that important to me, i'll usually forget it before then