How do you guys save?

**marg** · July 26th, 2011 04:21 AM

Assess your Lifestyle. Determine where the bulk of your spending goes item by item. And start finding a suitable replacement to each to minimize suffering.

For example, if you are the type who buys a Starbucks drink everyday, replace it with a Diet Coke, Ice Tea or Juice which costs just P20+ per bottle. Suddenly you have an extra P100 to save!

Do the same for everything you spend for. You'll find more money to save without much pain.

**frenchtower** · July 26th, 2011 06:12 AM

12% of my of salary automatically goes to my retirement account. My company matches that by 6%.

On top of that, I have income from rental properties that goes straight to the bank.

Some of my disposal income goes to insurance, precious metals, select blue chip stocks and if possible, additional rental properties.

I do not succumb to impulse purchases. If I want to reward myself, I let the interest of my investments pay that for me.

**CVT** · July 26th, 2011 08:38 AM

Originally Posted by lowslowbenz

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

Typically by how much % bro.?

vs.

Ang layo naman kasi ng Landmark sa lugar namin dito sa LPC....

13.8K:gotcha:

**gambit1978** · July 28th, 2011 04:18 AM

if you are earning not enough to invest, then save first and invest, but if you are earning enough to invest , dont save too much .. just invest .. dont let your money sit on the bank.. let the money works for you... look for good company giving more interest than the bank.. thats what i do now.. instead on bank i put my money on some company giving 1.5 percent per month interest. i can collect the interest monthly or make it compound interest..

saving is for security , investing is for financial freedom...

read some books .... book by robert kiyosaki might help..

ive got a soft copy of RICH DAD POOR DAd.. pm me and i will send it to you...

**xninjax** · July 28th, 2011 07:33 AM

Originally Posted by gambit1978

if you are earning not enough to invest, then save first and invest, but if you are earning enough to invest , dont save too much .. just invest .. dont let your money sit on the bank.. let the money works for you... look for good company giving more interest than the bank.. thats what i do now.. instead on bank i put my money on some company giving 1.5 percent per month interest. i can collect the interest monthly or make it compound interest..

saving is for security , investing is for financial freedom...

read some books .... book by robert kiyosaki might help..

ive got a soft copy of RICH DAD POOR DAd.. pm me and i will send it to you...

Can you PM me the company name giving 1.5% monthly interest?

**eld** · August 20th, 2011 11:20 PM

If you're not a trust fund baby or don't know how to suck in wealth effectively, then you really should live way below your means your whole life. Tingnan niyo nangyayari sa ibang bansa, nawalan sila ng trabaho. Wala pa silang savings. Retirement accounts nila na wipe out. At wag kayong umasa sa bangko lang. Buy gold kahit paunti-unti then bury it underground or itago sa ligtas na lugar. that's one of the best ways to hedge against inflation.

**donbuggy** · August 27th, 2011 03:57 PM

This is my one and only phone since 2004.

**Jan Cristobal** · August 31st, 2011 09:44 AM

Originally Posted by skipper

I'm having trouble saving right now. I don't know if its because I overspend or buy things that I don't need kasi sale pero all I know is that I wanna save na talaga and long-term sana - hindi yung tipong save now tapos gastos pag may bibilhin. Gusto ko yung tipong pang emergency talaga or for the future na

Sana matulungan niyo ko

I think this might help you What the Poor Middle Class and the Wealthy Buy on Payday

Originally Posted by xninjax

Can you PM me the company name giving 1.5% monthly interest?

If your looking for an investment, I know a company offering 29%ROI in 6months. They are re-investing the Money on Livelihood programs for Barangays, Foundations and Cooperatives. Nakatulong ka na, kikita ka pa.

PM me if you're interested

**_Qwerty_** · August 31st, 2011 09:58 AM

if you want to save.. quit smoking daw.. although easier said than done..

if you smoke 20 sticks per day daw.. you can save over 3M in 30 years..

Quit Smoking to Become a Multi-Millionaire ~ Investment Philippines