Impulsive Buyers thread - Tips and Advice needed

[kenshin2143]

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Personal advice po, its not really about having savings or budgeting for the sake of savings and budget but try to simply identify what you need and what you want. Start lang sa ka diha and from there, try changing your lifestyle and ang savings musunod nalang.

[makie29]

@TS, why not think of savings as expenses? If dali ka matintal sa mga gamit or makagasto dayun, then use it in a positive way. Once you save, think of it as "buying" your future.

Another thing is to keep your self away from temptation. Lisod gyud kaayo di padala sa tintal so I think the best thing to do is to avoid it para di ka matintal.

Things aren't going to be easy at first but once you keep on doing it, maanad ra ka. Ingon ana pud ko sa una, hilig kaayo ug rubber shoes. Almost every three months palit ug bag-o but I just came to a point nga narealize nako mas importante ang savings kaysa sapatos. Now I have only a pair of formal shoes, a pair of running shoes and a savers mentality. Priority na nako ang savings karon. The mindset is very important. Once you set your mindset right, the rest is going to be so easy.

[deathnotice01]

I read a book from David Ramsey about the secrets of financial stability.

Mao ni ang most important
1. Never take credit

That's why I never have a credit card. I use a debit card (mastercard) as a substitute so I don't wreck my financial future.

I know my net worth value and dili siya negative because I never have debts in any form.

Ang hard part lang now is how to get myself to actually save money. I tried treating it as an expense and crediting it from my savings but it just won't work.

[marcyscreed]

Ang Pinaka Patok na Tipid Tips 2015

10. I will find a charitable work and learn to share.
9. I will open an investment account.
8. Going out or weekend getaways need not be in the malls.
7. Improve your financial literacy skills.
6. I will follow my money.
5. I will open another bank account.
4. I will buy only when I need and not because there is a sale.
3. I will separate shopping day with buying day.
2. I will follow savings equation and save 10% of my income.
1. I will stop impulse buying.
From this post, Reblogged: Ang Pinaka Patok na Tipid Tips 2015 | BlogPh.net

[supernotsona]

I was like this before, my advise is to do it from the inside-out
a passbook account or time-deposit just won't work (it works only for a short time)
change your relationship with money
discover how you feel about money and change it from there
It's a lot of work but it sure is worth it
I can coach you about it just PM me

[gemini13]

every sweldo compute kag 90% "need" and 10% "want" out of your salary/money..

"needs" already include savings.. now if naay something that you want, focus lng sa 1 of those wanted items and buy it out of the 10%.. now if dli ka-igo ang 10% den you have to wait sa next sweldo for another 10% our of you salary.. and so on.. by then, ma-wala nlng imong interest sa imong gusto paliton.. though you have to make sure unsa imong method/way nga dli jud nimo mahilabtan ang 90% nimo for some "wants" lang..

[ynan]

create a system then discipline...

[istoryamember]

change your friends