Effective ways of Saving Money

[petixmode]

at saka kung san ka makakamura at hindi naman ganun kaimportante yun na ang bilhin.. choose an alternative na product na mas mura na hindi naman kailangan ng quality like yung mga sabon etc.. wag na bumili ng branded hanggat meron pa magtiis muna sa kung anong meron..

[rock1211]

invest in stock market. educate yourself

Have a mentor and be successful.

[jon24]

Wag maiinggit sa kung anong bagay meron ang iba.
Plan your meals kung nasa work ka buong araw. Sobrang laki ng nasave ko sa ganitong paraan.

[10619488]

Here's what I am doing right now,

1. I never bring my credit card when I go out/to work. I only use it if I want to buy something na pede installment.
2. I only bring the money I need for that day (food, transpo)
3. Baon at least 3 times a week.

and trust me, it works.

[Sisko]

ito ang palaging nababasa ko - "live below your means"

[XxSkaterBoixX]

INCOME - SAVINGS = EXPENSES

not

INCOME - EXPENSES = SAVINGS



I hope I made it clear.

[mykel angelo]

1. Learn to say no.
2. Magbaon sa work.
3. Walk if necessary.
4. Pay your credit card in full.
5. If buying on a sale, check the smallest details when buying ne. w clothes.
6. Don't buy FOOD items that are on SALE.
7. No vices
8. Buy things in cash, not installment. If you plan on buying big things. Save inorder that you don't incur interest.
9. Conserve energy and water
10. Reward yourself after you reach a milestone in saving.

[garyboy]

just my two cents: simple lifestyle

[bankerII]

stop being a salary slave.
mag-negosyo.

[pinay_pay]

Ang iba kasi happy happy muna bago bills kaya nadedelayed mag bayad ng bills at credit cards, nagkaka interest pa kaya additional kaltas sa income. Kaya may mga nagkakautang pa. So dapat marunong ka mg priroritize ng expenses.

IT IS NOT HOW MUCH YOU ARE EARN, IT IS HOW MUCH YOU SPEND. Yan ang motto ko, kasi kahit gaano kalaki kinikita mo, if gastusera ka wala din. Kaya ginawa ko inupgrade ko income ko pero not my lifestyle, thus BIG savings! Ang iba kasi mejo umanagat lang konti income, aangat din lifestyle so same lang.

tips: if applicable to you..sakin kasi yan ang mga ginagawa ko para makatipid

-mamalengke ng food for whole week para mas makamura kesa pa isa-isa
-mag baon ng packed lunch sa office
-mag lakad sa kanto imbes sumakay ng trike pa kanto
-mag hanap ka share ng bills like apartment sharing etc
-kumuha ng postpaid plans like SUN napakamura na imbes na bumili ng cp at mag prepaid.
-pag naliligo ako, sinasahod ko ng balde yung tubig para pang flush na din after jumebs
-yung last batch ng pinang balnaw sa labada, pang first tubig ko sa sunod na batch
-bumili ng sariling perculator at coffee imbes mg starbucks
-bumili ng sariling gym equipment imbes na mgenroll
-sa mga nasa ibang bansa, avoid long distance calls, may YM na, Hang out etc. or better yet get a cp that has wifi para kahit saan na may net pwede kayo mg usap for free.
-mg downlaod ng torrents instead of buying dvds, or maki kopya sa office mate na mahilig mag download
-if may gusto bilhin na liabilities, make sure second hand or if pepwede gawing negosyo para sarili nya binabayadan nya. ex. car, parentahan mo ito, so nababayaran nya na ang chattel mortgage nya. Yan ginawa ng brother ko 3 yrs na halos wala syang binabayaran sa monthly mortgae nya..after 3 years a kanya na yung kotse halos wala syang binayaran sa car loan (yung DP lang).
ex. condo - pinaparentahan ko, after 5 years sakin na pero iba ang nagbabayad. halos 50% lang cash out ko.

maraming pang iba, yang lang ang malaking bagay na nkakabawas sa expenses ko.

[mystical1832]

1. mag jeep, wag mag taxi.
2. mag baon
3. maglakad kung hindi ganoon kalayo. exercise na rin yan
4. kung may bibilhin, hintayin may sale unless kailangan na talaga bilhin
5. wag bumili ng hindi kailangan
6. wag kumain sa labas ng madalas.
7. wag pumunta sa mall ng madalas.
8. this is important... dont deprive yourself dahil pag todo tipid ang nangyari sayo baka pag nafeel mo na kailangan mo na talaga mag enjoy mapasobra naman ang gastos mo kaya yung tamang pagtipid lang. wag sobra.
9. be thrifty, not kuripot.

[KuyaDanny]

How To Tell If You're Cheap Or Frugal

There's a fine line between frugal and cheap. Frugal people understand that paying more doesn't necessarily mean a better value. People labeled as cheap wouldn't pay a premium price regardless of the value. Billionaire investor Warren Buffett is often labeled as frugal. Your neighbor, whose claim to fame is the fact that of all of his or her belongings were purchased at a garage sale, is probably cheap. Here's how to avoid being labeled cheap.

http://ph.she.yahoo.com/tell-youre-c...170352999.html

[hacker06]

siguro for starter, sumali ka sa palawagan sa office ninyo kung meron.fixed amount per payday tapos distributed by end of the year.wag mo lang gastusin sa pasko. atleast meron ka na ipon.

[princesskimmy]

everything seems complicated.
so, i do this right now..
minimum wage is 426 per day.
try to live with that and save everything else...

Uhmmm, of course this would work if you're earning more than minimum which I think most of us are.

[black_butler]

1. Learn to say no.
2. Magbaon sa work.
3. Walk if necessary.
4. Pay your credit card in full.
5. If buying on a sale, check the smallest details when buying ne. w clothes.
6. Don't buy FOOD items that are on SALE.
7. No vices
8. Buy things in cash, not installment. If you plan on buying big things. Save inorder that you don't incur interest.
9. Conserve energy and water
10. Reward yourself after you reach a milestone in saving.

Why?

[mykel angelo]

^Minsan, madali ng magexpire or Expired na hehe. Mahirap na mafood poison hehe. Di ba sa prutas, pag sale, may sira yung ibang parts.

[xctrekker]

Don't fall for these come-on ads that are so common today (esp for non-essentials):

"Buy NOW and save PhpXXX!!"
"Buy NOW and get XX% rebate!!"
"All for the low, amaaaazing price of PhpXXX! Save up to PhpXXX!!"
etc.

Ever noticed that these ads promise savings, but only after you part with your money?

[jrgabeledo]

most effective way of saving money..apply kayo EIP sa BDO or BPI very effective kasi automatic iniipon ang pera nyo ganda pa ng performance hope more Filipinos will discovered this kind of investment ako personally nagulat ako malapit na pala ako to my first million..I started with 1k/month unti-unti pag kaya budget pinapadagdagan ko ordinary govt employee lang po with monthly salary of 15k stop complaining na maliit ang sweldo instead use internet in most productive ways like reading business/investment articles or online selling hindi lang puro facebook...

[anne121900]

invest in a coop that offers a monthly contribution and ang kita is like time deposit din..
for qeuries you may pm me here

cant send message po
abzvibe has exceeded their stored private messages quota and can not accept further messages until they clear some space.

pls send details of coop

thanks

[rhaps00]

what i learned in my mba are;
1. dont buy branded items esp sa grocery store.
2. preferrably, buy in instalment, your money can still earn an interest
3. pay CC in full to avoid penalties
4. be an entrepreneur