How to Save Tips - Thread 3

[stylishmomy]

^thanks sa motivation sis saved 5k this week, it feels good!

[chicafabulosa]

^thanks sa motivation sis saved 5k this week, it feels good!

See di ba. Saving is one of my addiction haha.. At least positive addiction.. You will be addicted to it rin when you see your money increases promise

[nessy]

@nessy, ganun din hubby ko spender talaga. If may pera parang nag-iisip na kung anong pedeng bilhin kahit di naman importante/kailangan talaga. I successfully convinced him na mag-ipon and now he is very motivated na to do it kasi nakikita nya every month na lumalaki na net worth namin. We also track our expenses every month and pinapakita ko rin sa kanya yung excel, doing this we became aware kung nag-ooverspend ba kami on something unnecessary. I think nakakatulong talaga if may record.

sis yena^_^, gagawin ko rin yan. ngayon medyo nauumpisahan ko na siyang paliwanagan tungkol  sa pagtitipid. and one more thing, isa pa sa nagiging dahilan ng problema namin when it comes to money eh yong brother niya na pag nanghiram ng pera wala ng bayaran. i mean, hindi naman ako nagdadamot. pero sa panahon ngayon, may binabayaran kaming bahay at mga dues at sapat lang ang pera namin. well, it's a different story. basta ngayon, uumpisahan na rin namin mag-record ng mga gastos. ang mahirap na baka dumating pa sa point na wala na kami talaga.

[freelancer_babe]

^thanks sa motivation sis saved 5k this week, it feels good!

wow!

5k x 4 weeks = P20,000 per month or P240,000 per year.

hehe. couldn't help but compute! 

[lovely_chic]

Money is easy to dispose so dapat pag-isipan natin ng maigi if it's worth it to spend that much. That's what I learned talaga coz for the past years wala talaga ako pakialam but now that I'm turning 30 nag-iba na yung pananaw ko when it comes to money..  I have savings, an investment and now isa lang ang credit card ko which means less yung binabayaran ko. Motto ko ngayon "think before you buy".. Disiplina lang talaga ang kailangan anyway tayo lang naman ang makikinabang not other people.

[clermont]

^I agree sis. I've made a lot of financial mistakes na wala akong ibang choice kung hindi ayusin mag-isa. It was a long process but I'm thankful for the lessons learned. Kasi ngayon, I totally value each centavo I spend.

Isang credit card lang din ako for the past 3 years now. Limit is P15,000.

[lovely_chic]

^ If there was no mistakes, we will never learn sis..

[yena^_^]

^thanks sa motivation sis saved 5k this week, it feels good!

i-safety mo na yan sis, ilagay mo somewhere like banks na walang ATM bankbook lang para di mo na magalaw.

@nessy wag mo lang biglain sis, pakunti-kunting adjustment lang. Problem ko din yung mga BILs, ang tatanda na pero dependent pa rin sa kuya, but well inisip ko nalang na atleast kami yung nasa giving and not on the other end  . Pero last month lang sinama ko rin yan sa monthly expenses record namin sa excel with pie chart pa, ayon nakita rin ni hubby na medyo malaking chunk pala ng pie yung pinapadala nya sa mga BILs (almost 16% ng expenses namin for Jan).

[nessy]

@nessy wag mo lang biglain sis, pakunti-kunting adjustment lang. Problem ko din yung mga BILs, ang tatanda na pero dependent pa rin sa kuya, but well inisip ko nalang na atleast kami yung nasa giving and not on the other end  . Pero last month lang sinama ko rin yan sa monthly expenses record namin sa excel with pie chart pa, ayon nakita rin ni hubby na medyo malaking chunk pala ng pie yung pinapadala nya sa mga BILs (almost 16% ng expenses namin for Jan).

oo nga eh. pero okay na rin at least pag nakikita namin sila, wala akong hiya/awa sa sarili nanararamdaman kasi hindi naman kami humihingi/umaasa sa kanila. gagwin ko talaga yan promise.

[jmeangeL]

pay it forward... that's what i said sa brother ni hubby na pinag-aral namin ng college

ayoko kasing umasa sya sa aming mag-asawa kung di sya pag-aaralin.  lalaki pa naman.  magdadala ng pamilya.

swerte naman at masipag na bata.  sapat lang ang allowance na binibigay ko for his daily expenses.  after 4yrs, graduate na sya ngayon at nag-work na sa Honda.

ngayon, wala syang sinko na dapat ibalik sa amin.  ang gusto namin, tumulong sya sa iba pa nyang kapatid or pamangkin na mapag-aral din ng college.

ito ang isa sa mga investments namin mag-asawa.  we invest sa mga kapatid nya para maging self-sufficient sila.

[yena^_^]

^Swerti mo sis, yung sa hubby ko ewan ba napakaimature, graduate na ng Eng yung isa pero di makatagal sa work tapos yung isa naman 27y/o na totally dependent. Hays sorry sa OT.

[chicafabulosa]

^Swerti mo sis, yung sa hubby ko ewan ba napakaimature, graduate na ng Eng yung isa pero di makatagal sa work tapos yung isa naman 27y/o na totally dependent. Hays sorry sa OT.

Haha buti sayo 27 sa akin 36 na... Swerte lang is malaki business nila and we can afford na maging wallflower sya.

[yena^_^]

^sis kaso ulilang lubos na sila, my husband's the eldest, wala naman kaming business employed lang. Wala nga kaming bisyo mag-asawa pero the BILs have. Sorry OT uli.

BTT, malaki rin ang masasave pag nagtrim down or tanggalin na talaga ang mga bisyo. Let say you spend 20 pesos per day sa cigarette, that would be 600+ a month and 7000+ a year, isama mo pa yung beer jan. Laki talaga ng savings pag stop na vices at save ka rin sa hospital expenses later on.

[freelancer_babe]

^ tama sis, mga bisyo mahal din ang mga yan. sayang nga ang P7000 malaki rin yan.

----------------

may nakita akong interesting recipe, how to make a starbucks frappuccino for $0.32 (or P12.48). magagawa sa bahay.

http://www.squawkfox.com/2011/06/16/frappuccino-recipe/

yun lang kailangan makahanap ng xanthan gum na kailangan sa recipe.



actually pwede ring gawin ito sa ibang mga kape, kung hilig natin ito. maraming nagbebenta ng brewed coffee - sa SM meron nito, at usually yung isang kilong bag lampas lang ng P100... malayo ang mararating ng one kilo compared sa isang coffee na nabibili sa starbucks.

[stylishmomy]

^ If there was no mistakes, we will never learn sis..

you're so right sis! but its always better to get away from it (irresponsible spending) before its too late.

[freelancer_babe]

gasoline saving tips:

- try doing errands in one go, one day instead of doing errands one at a time across several days

- remove any unnecessary heavy things loaded in your car. heavy car load forces the car engine to use more gas.

- carpool with a friend

- walk. you also need the exercise.

- commute

- your car might not really need premium gasoline. check the car manual. higher octane gas is usually a waste of money

- if you are considering a car purchase, consider getting diesel ones. diesel costs much less per liter compared to gasoline.

- another consideration for a car purchase, consider getting cars with manual transmission - their gasoline consumption costs much less than automatics. plus maintenance expenses costs much less too than automatics. (driving manuals are kind of exciting too  )

- drive defensively. aggressive drivers waste gas because of the constant pushing of the acceleration then sudden braking afterwards. also, check the manual for the optimum driving speed - more commonly, speeds at more than 50 to 60 mph already decreases gas mileage rapidly. the higher the speed, the higher the drop in gas mileage.

- avoid excessive idling of the car. turn off engine when not needed. that too consumes plenty of gas.

- in highway driving, use the overdrive gear (usually the 5th gear) as often as you can. not only would you save gas but you also reduce engine wear

- check tire inflation. poorly inflated tires consumes more gas.

- have the car engine tuned up.

- turn off aircon when not needed.


those i can think of...

[stylishmomy]

^again, thank you sis! you should have a blog on Saving101

[freelancer_babe]

^ I have been thinking about that for a long time.

I have other blogs - 3 already. baka di ko na kayanin magmaintain ng isa pang blog.

[hersmart4ever]

What I am doing right now is check all my old stuff and see if may mg magagamit pa ako dun keysa bumili na naman ako ng bago. If I want to buy something pero hindi ko naman talaga kailangan, I control myself na huwag na lang bilhin.

[jmeangeL]

^---agree with the envelop method.  I use this for weekly spendings pero monthly ang budgeting.

example:  500 a week ang bayad sa tricycle na naghahatid sa kids sa school. that's 2000 a month.  the money comes from my 15th month salary.  itatago ko na ang buong 2000 at ilalagay sa envelop named DRIVER.  Every Friday I took 500pesos from this and give to manong.

Sure ako na by my 15th month salary, maglalagay ulit ako ng 2000 sa envelop para may pambayad kay manong.  Hindi man ito savings, pero it's a sure way of budgeting.  Di ko na magagamit ang pera na nakalaan na sa ibang bagay.