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Mark Forums Read |
| Family Matters :: Discuss the joys and pains of being a mom or dad, daughter/son/sibling, grandparent. From child rearing tips to effective ways to discipline your children, share with us your thoughts on parenting, etc. |
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#2
08-28-2006, 08:53 PM
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My stepmother is. Medyo layo ra ko sa iyang katihik, although I try to follow her example pero gastador man gihapon ko gamay. Bisan hatagan pa na'g P10,000 a month mapaigo lang gihapon niya. Pero padala namo now that our little baby is with them 400-500 makapa repair pa siya sa balay, pero ug ako pa to naas Cebu dali ra kaayo nang hutdon nang kwartaha.
Pero at least I don't live beyond my means. Kung gamay ra pud means aw downgrade lang pud ang wants. Like now, crisis aw downgrade gyud. Peso pa ang earning sa una aw tihik pud pero karon nga medyo daku value ang dollars aw upgrade pud. But I know I need to be more thrifty. Di gyud ko madatu ug dili ko magbantay sa akong gasto. My kuya too is very thrifty. When we were kids he would save his "baon" and put under his clothes in the closet. Now, tihik gihapon kaayo. And gusto pud ug tihik nga mauyab or maasawa. But I'm sure i'll be more conscious about my spending in a few years. Mura pa target plan ha. Hehehe. But it's an important trait to learn from family members. |
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#3
08-28-2006, 09:14 PM
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Ako mama ug papa di man tihik, pero puro investment ang gihuna huna. Nya i-meet ra permi among basic needs nya naa gamay perks from time to time.
Maayo kaayo akong parents in delayed gratification, mo 50+ na gud cla pero cge gihapon kayod. Simple ra ang life namo, pero kung tan-awon jud nko ug tarong, pde na mo retire akong mama ug papa, bakasyon permi, nya comfrotable gihapon mi iyang 3 ka anak, maski di pami mo trabaho, pero responsible man sad ko so work jud hehehe Thats why hinay hinay ug learn about investing aron di masayang ang gihagoan sa akong parents 
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#4
08-28-2006, 09:35 PM
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my mom is, it's actually sad kay cge lang sya ingon wala maski naa. me, i spend money sensibly. i keep a half of my earnings and save it.....i don't have so much growing up so i always put aside some for rainy days....you' never know when you need it....
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#5
08-28-2006, 09:52 PM
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it's nice to start saving while still young kay kanang spending habits importante gyud na. If u are earning well kulang ra gihapon if u don't have good spending habits...As much as possible spend on the basics and once in a while mugasto sad. It's not also good to be a miser. Unsaon man ang kwarta if by the time gusto na ka mu enjoy and you cannot enjoy kay daghan na ka sakit. sayang lang imong gi save.Basta dili lang gyud mabaon sa utang for spending on luxury.
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#7
08-29-2006, 10:13 AM
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Thanks for sharing, people. There's really a fine line between being frugal and cheap. When we say "tihik" it's really up to us if we mean the former or the latter. But I guess most people think tihik=cheap. Maybe frugal=daginutan?
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#8
08-29-2006, 01:27 PM
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i used to be gastadora...when my batonton came along...aw super think twice..think thrice...before i spend...DO I REALLY NEED IT? does my son NEED branded clothes? NOT! i think now of how long he would be wearing it...using it...then if he doesnt need it...i sell it...recycle the money into something else.
budget revolves around the needs of my son. came to a point that isang kayod, isang tuka. nakakalokah! talgang kapit lang kang Lord. right now i am blessed. not exactly rolling in money...but God has been good...so i have to be responsible. savings is a priority. planning for the future is important. i never thought i could change my ways...but i guess we grow up eventually eh? hehehehehe. sometimes i watch on oprah these moms who spend spend and spend...maxed out na ila mga credit card. i used to have a credit card....pero ngayon NONE! My family is pretty frugal. Biggest expense is eating out. When we were growing up...we wore fabulous fakes. No one thought it was fake and we got the biggest kick when we did tell them it was fake and no one believed us. hahahahahaha. so i guess if i can sum it up: 1. SAVE! SAVE! SAVE! 2. Spend only in cash. 3. Look for bargains. 4. Pay for quality and durability...not what your rich neighbor's kids are wearing..using. 5. Treat/use your things gently...coz when it is time to sell it...u can ask for a better price. 6. Eat your pride...if u cant afford it...DONT BUY IT. 7. TAKE GOOD CARE OF YOUR HEALTH. Most of the time...we get sick coz we are careless. Mahal magkasakit! |
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#9
08-29-2006, 06:14 PM
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yep, same here. having a son changed my spending habits too, and made me change my ways, from a lazy to a hard working man. What kids do to you hehehe weekend nlng ang gimik, nya dako na kung mo gasto ko ug 200 in 1 night
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#11
08-31-2006, 10:30 AM
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Thanks for the stimulating exchange. I came across the book "Simple Life" by Larry Roth and since then have become very interested in the frugal lifestyle. Could you give some practical tips in saving/recycling/re-using? Thanks?
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#12
08-31-2006, 12:51 PM
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I also recommend the book by Mr. colayco Pera Mo, Palaguin Mo. U will learn a lot on saving and investing money and also Millionaire Next Door. this pera mo..book is the Phil. version. Also try reading rich dad, poor dad...the most common advice here is save 20 percent of your income and never use credit cards...Start while you are building a career and be consistent to it...You will see the power of compounding interest...If you're a mother make a budget and stick to it no matter what...If you want something then save for it...Even 500 pr mth will be 2000 in 4 mths...spend on the basics...buy also in bulk cos it's cheaper by the dozen...Avail of bargain sales esp. in supermarket where there are buy one take 1 items.
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#13
08-31-2006, 02:37 PM
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* bringing home my restaurant meal leftovers - most of the time the leftover's good enough as the next meal's viand. yesterday evening my friend and I were in a ngoyhiong house and casually she left a piece of ngohiong on her plate. guess what, I insisted she bring it home. When she didn't care, I brought it. I just think it's a shame to waste food (well, guilty man ko ani sa una). * taking a bottle of water with me when I go out so that I won't be buying any - I started doing this when one day I realized I'd been buying at least 2 bottles a day (water or C2). i even accumulated around 50 plastic bottles in I-don't-know-how-short-a-time, so kung kwentahun to sayang jud money, maypa gi deposit sa savings account. well, lesson learned. also, i gave the bottles to some teachers (i'm part of a preschool business) who creatively re-cycled these. * I've had a yard/garage sale - made some cash, not to mention unburdened me of no-longer-used stuff * Though I love new books very much, I have decided to purchase used ones. I found the Larry Roth book (Simple Life) in RSO! * I used to buy the Sunday paper, but lately I've been thinking of cutting this expense. Perhaps I'll just read online and find ads elswhere. There. Perhaps you have the impression already that I'm becoming a cheapskate. I hope not to go to that extreme. Just discovered a certain kind of high in finding ways to save. I've found plenty of frugal living articles/tips in the internet written by Americans, but what I'd like to learn are practical ones from fellow filipinos as we have situations unique to us. So please feel free to share your practical tips and suggestions. Better yet, kanang mga habits or practices nimo. Be specific as possible. For example, where do you buy items in bulk? How much did you save? Things like that. I'm thinking of compiling these tips and ideas. Shoot! |
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#14
08-31-2006, 02:50 PM
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I know I intended to just ask if individuals here if they come from frugal families or otherwise, but I think it's okay to ask further, like what your specific frugal habits are. You mentioned about looking for bargains. Would you kindly share where you usually shop for these? Real, specific tips would be highly appreciated! Thanks in advance.
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#15
08-31-2006, 08:38 PM
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Watch out for sales. Kana gyud dako ka savings. My latest purchase that has made me really happy was a set of Garfield shirt/polos na 3 for 180p lang!!!! I bought it sa SM. I was also able to buy Garfield nga pants for like 200p nga ila markdown from 350p.
Be PATIENT lang gyud...sometimes the nicest ones are in the bottom of the pile hehehe. Also, for myself...UK is the way to go sometimes. Last Sunday I was able to buy a pair of black jeans...as in parang bago...for 50p lang...dun sa may Pelaez cor Colon...in front of Emcor...diha dapita. @Metz....di lang 200p ang imo magastos when u go out oi. Average man tingali ron mga 300p. And you have to factor in the gasoline. waaaaahhhhh! Btw...kanina ba...para tipid...had to go to Tintay(?) and decided to just take the jeep...perwisyo lagi but think about it.... colon to tintay was just 11p, vice-versa, 11p. So about half a liter ang cost ko...now had I brought a car......hehehehe. Mga 6 liters siguro noh? KALOKAH!!! hehehehehehe |
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Is your family frugal? / The Frugal Lifestyle
