Saving Tips Pinoy Style

[angelparvian]

thanks mga sis sa mga tips. i really appreciate them. i got new ideas from you

[nicola_juliano]

Wow, parang how to save tips thread na ito. :-)

Practice minimalist living. Makakatipid kayo ng bongga mga sis. But I love the M-F box sa ref. :-)

I'm a fan of zero-waste living pero mahirap sya gawin. But the first step is kaya naman, yung sundin yung 5 Rs.

[beach_n_sunsets]

Nagpa-downgrade ako ng postpaid plan from 599 (minsan umaabot ng 900 binabayaran ko) to plan 299. Pero dahil may rebate ako, P157/mo na lang binabayaran ko. Tapos 600 yung peso value ng plan ko so sulit na di ba

Pinaputol ko na yung internet ko when I moved in to bf's house. May internet naman siya tapos meron ding mobile broadband na provided yung company ko. Swerte na lang din

Kapag dating na sahod, finofollow ko yung concept na: income minus savings = expenses. Ang madalas kasi mangyari, nauuna yung expenses bago savings. Pero that's just me, mas mahirap na siguro sundin yun pag nagka-family na ko.

Malayo din yung work ko from my bf's house, pero hindi na ko naghanap ng mas malapit na apartment. Mahal kasi yung rent dun sa malapit sa office ko (bgc area). Tiis na rin sa MRT, laking tipid eh! 65/day lang pamasahe ko back and forth, compared kapag magdadala ng kotse. 200/day na agad for gas and parking. Trapik din naman eh, so mas nakakauwi ako ng maaga kapag MRT

Sa food naman, madalas kami pinapadalhan ng prutas, gulay, at kung ano-ano pa from the province. Doon kasi nakatira parents namin

Hindi ako tumitingin ng kahit ano sa mga group buying sites, mas nakakatempt gumastos pag ganun haha.

Tapos kapag merong mga things na pwede kaming makamura, dadayo talaga kami sa quiapo or divi. For example, yung eyeglasses namin nabili lang namin sa quiapo ng 1200/pair. Sa mall yan eh papatak ng 5000. Pareho lang naman ang quality.

Pero hindi naman kami todo sacrifice, madalas pa rin kami mag-food trip and travel. Yun na lang kasiyahan namin sa buhay

Well in general, ang istorya ng lifestyle namin ngayon eh living within our means.

[kaiz]

using mercury suki card helps din

[beach_n_sunsets]

^Ay oo nga.

Kami naman SM Advantage Card ang madalas gamitin. Dami din kasi nila affiliate stores. Sa 200 pesos spent, may 1point/peso na. So kapag nakaka-1,500 points na kami, pinanggrogrocery na namin yun

[leelou]

ok yung taking advantage of your credit card's promos/rewards. like you earn points every purchase and yung may freebies. basta make sure lang na you will pay the balance by due date para walang interest or financial charge

[nicola_juliano]

Isama na natin sa saving pinoy style yung pagiging masinop ng mga pinoy. :-) Yung isang bagay na kahit pwede pa, pwede pa. Tsaka yung mga freebies, mahilig din tayong mga pinoy. Pero dapat isaalang alang din natin if yung makukuha nating freebie is need na may bilhin. If hindi naman kailagan yung bibilhin na yun, hwag na lang.

I decided to buy my clothes sa mga tiangge or any online stores. Mas mura talaga compared sa mga mall stores na triple ang presyo. Not a fan of made in china products pero eto yung isa sa mga bagay na can't do anything pero bibili pa din ng made in china clothes. Nakakamura talaga e. However, may mga tiangges naman na galing Thailand, Indonesia, Malaysia, Vietnam atbp yung ibang damit. I buy my clothes and shoes before sa China websites pero tinigil ko na yun. Minimize ko na talaga.

Sa tours and travels ko, I decided to go DIY. Mas challenging sakin yun tsaka mas tipid pa ng malaki. In this way, mas nakikilala ko lalo ang isang lugar. Pero sa ibang bansa na medyo concerned ako sa security, I always grab the tour packages offered by hotels and alike.

[ms_ldr]

hinde ako bumibili ng mamahalin na clothes at shoes sa mga kids kasi ang bilis malakihan.

very helpful ang may budget monthly. 

[snowberry]

-natuto ako tantiyahin yung kaya lang namin ubusin na food. Before kasi pinapasobrahan ko bili ko ng ulam Ex. I always buy 10 pcs of chicken drumstick ,pero 4 lang kaming kakain and most of the time 6- 8 pieces lang naman nauubos sa isang kainan kasi lagi naman kaming may other viand pa like gulay or soup. Now, 8 pcs na lang binibili ko. Also, re cycle food para hindi maburo sa ref at matapon. If I cooked adobo at may sumobra pa, inilalagay ko sa fried rice para kahit fried egg na lang ang ulam sa breakfast solve na.

-Make sure alisin sa saksakan mga plugs.
- use fabric conditioner at ihanger ang damit kapag nilabhan. No need to iron
-Lessen the visit to the grocery. You will be tempted kasi to pick up items kahit hindi mo talaga need or matempt to buy snack or junk foods lalo na kung gutom ka while nag grocery. And that's another tip, eat at home before going to the grocery store

[chiqmom]

Yes, minimalist living.

I try to put a schedule and budget to everything. Like, going out for a dinner, movie, etc. I also try to stop myself from going out too often kasi madalas ang labas e mapapadami ako ng gastos. Even sa gasolina, I try to budget it. Kapag medyo paubos na pero hindi pa time para mag-gas ulit, i try to minimize my lakad. hehe Pati yung baon ng kids sa school, gumagawa ako ng plan. Dati kasi I buy anything sa grocery and I end up buying again sa kalagitnaan ng buwan with the same amount as my supposed budget for the whole month. I also make it a point to give kasi I always believe that the more you give, the more blessing you will receive.

[LGV]

I agree to the minimalist living. Though medjo mahirap sa umpisa. At ang pagtitipid naman eh talagang challenging yan unless matipid ka na since bata pa.

Food and travel medjo hindi kame makakatipid kasi eating out nalang yung pinakaluho namin lalo na pag nagcrave or may bagong must try resto. Sa travel naman minsan lang kasi so si hubby nagsplurge sya since hindi naman daw kame monthly nagtatravel.

Sa savings medjo hirap kame since may mga investment na binabayaran at matatagalan pa yung returns but anyway para makatipid sa ibang bagay I always buy yung malalaki, lahat ng big sizes tapos nagiinvest ako sa mga containers para sinasalin salin ko nalang then refill.

Lageng may food na nakamarinate sa ref para atleast hindi kelangan lage lumabas pag weekdays para bumili ng dinner or lunch atleast amdali na din lutuin at mabilis. Tipid din sa gas at pagod palabas labas ng village.

I dont watch movie sa movie house kahit nung single pako. SO tipid kame sa part na to kasi we're not obliged to watch mga blockbusters na must watch kuno, ewan ko ba hindi lang talaga ako mahilig. Kaya nakasanayan na din ni hubby na magdownload then may stock naman kame lage ng popcorn, chips or fries so atleast nakatipid nanaman kame sa gas and food kung sa mall.

Sa office madalas magbaon nalang unless magkayayayaan which is bihira naman kasi busy. My hubby do this as well kaya naman pag weekends we eat out talaga yun nalang bawi namin.

Coffee naman, basta wag nalang everyday Starbucks or CBTL unlike noon, paminsan minsan is okay lang naman.

Clothes, hindi naman talaga ako mahilig sa branded kaya no problem to sakin, except for bags, shoes and slippers na pangeveryday. Sa daughter ko lang minsan napapabili kame ng mahal kasi need nya ng matitibay na gamit kasi ang bata madali makasira like for example goggles sa swimming lessons nya, we bought the cheap one hindi pa man din nagamit sira na unlike yung speedo until now buo pa. So things like that, depende kung need ba talaga ng mahal para tumagal pag hindi naman dun nalang sa alternative.

May times we pay for convenience rather than magsayang ng time like requesting for docs, kung pwede online and padeliver ganun nalang kesa pumila ka ng ilang oras mas malaki mawawala sayo.

[kimebies]

I am learning a LOT here!

I think I should stay away from Instagram para mas maka-save.

[chubbycheeks]

As much as possible, I only buy pag sale hehe. I like yun brands na kilala ko na for quality and longevity ng styles.  Kahit on sale, mas mahal sila compared sa cheap stuff but it pays off in the long run. Saka i only buy to replace items na hindi na kasya or di na ma-repair.  Not going to the mall helps din.

[Ma.Jewel_1987]

I rarely go to the mall minsan once a month lang or every 2 months hehe, kasi kahit wala kang plan to buy anything once andun kana matetempt ka ng bongga like pag may sale. Also yung pag gogrocery ko dati was every weekend kasi kunwari may kailanganin ako pero nadadagdagan ng kung ano-ano yung kinukuha ko na hindi naman importante like mga junk foods and juices so now miniminimize ko na pag gogrocery ng twice or once a month.

Hindi ko na din sinasama si mother at pamangkin sa grocery ang dami kasi nilang naaalalang bilhin pag kasama ako hehe.

[gorgeouschef]

Hindi ko na din sinasama si mother at pamangkin sa grocery ang dami kasi nilang naaalalang bilhin pag kasama ako hehe.

natatawa ako dito. Nakarelate ako.. kapag si mama lang ang naggrocery, ang daming nakakalimutan pero kapag kasama nila ako, naaalala lahat, kaya solo flight ako sa grocery na.. pero napapansin ko nagtatampo naman. 

[kaiz]

i dont buy na din yung nasa malalaking packaging. tendency kasi naabutan ng expiration date na hindi pa nauubos

[Ma.Jewel_1987]

One more, sa office kasi namin nagbibigay sila ng sodexho for good performance, so ang ginagawa ko binibili ko yung sa kaofficemates ko example 2000 amount sodexho bnbli ko ng 1700-so a difference of 300 petots, eh groceries namn don't give discounts so atleast sa sodexho nakakatipid ako. I make sure lang na yung binibili ko pa din eh yung mga kailangan talaga 

[Mark.Saturno]

Me, i advocate "investing" for the future.

Before im a hardcore saver but not as a investor. Until ive read the book of Robert Kiyosaki (Rich Dad Poor Dad).

Think about this ... 25 years ago the minimum tricycle fare was 1 peso and the Pop Cola was only 1.50. My mom's paycheck was 2k a month.

So in other words your savings is not safe by just the 1% savings interest and even the 3% time deposit interest.

Example ... if let say oooh ill just save the 1 peso and save in the future in bank at 1% savings acct. Fast forward after 25 years the peso will be only 1.92 pesos! But how much now the smallest Pop Cola? 5 or 7? Sorry i was working in abroad for 6 yrs now and very seldom to go home.

[nicola_juliano]

^ I agree. Eto yung isa sa Pinoy Saving Style na hindi maialis ng karamihan (Including me sometimes). Siguro natatakot na mawala in instant ang money that's why they just park it in a Bank. My dad was fooled in so many popular insurances in the 90s na nagbankrupt na ngayon... At isa iyon sa in-apply ko sa buhay ko na dapat maging aral na din sa akin. Ni isa wala ako insurance because of my dad's experience. He risked for nothing. Sayang nga e. Napakalaking halaga. Nawala ng parang bula (I estimate it's Millions). Anyway, going back to main topic. I decided to park half of my savings in the bank and half for something else na mag gegenerate ng money. Medyo maliit but hopefully mag generate ng malaki soon.

[ikaela]

^You must be talking about pre-need companies like the infamous CAP. Those that sell education plans, memorial plans, pension plans, and etc. These are very different from life insurance companies; they are not one and the same. Those pre-need companies collapsed because they promised too-high returns, didn't foresee the sudden rise in tuition (among other things), and were severely affected by the 1997 Asian financial crisis. In contrast, no life insurance company in the history of the Philippines has ever folded up.

It is unwise to go without life insurance when you have dependents, debts, and other financial responsibilities. Ultimately, getting life insurance is your personal choice, but please do not base your decision on your misconception of your dad's experience.