How to avoid unecessary expenses?

[ulyrich]

sakto sad ka bai, maoy advantage sa single.
but sadly, it's not an excuse not to save. kay saving is a habit and lisod buhaton.
sakit jud tunlon kung wa ta naanad ug save. but if bata pata magsugod dali ra kaayo maanad
kay kung maghulat pata when naa natay responsibilities(like me sauna) or guwang na, lisod jud kaayo.
unless you can find your golden goose immediately.

the bright side, maski gastador ang mga single, dali rapud kaayo i-convince nga magsugod ug save

for example: gi stereotype man ang call center agents nga gastador or worse palautang, but storyahan lang nako as my client and most of them mo start dayon ug save unless na lubong pa ug utang. But they will start to clear their debts dayon, samot nag ingnan nimo nga " di man kaha ka ganahan mag trabaho forever" or "lami jud ang kinabuhi sa way utang ug daghan savings"

hehe well said sir, mura man teacher nako sa economics. thanks

[Metz]

hehe well said sir, mura man teacher nako sa economics. thanks

hinoon, when Im discussing savings to clients mura man pud ko ug teacher hehe..

[noy]

i deposit daun sa bank ang money..daun puyo nalang sa balay...hehe..tan.aw DVD

[abeyap]

stay at home!!

[arscienix]

basic need lng!

[icon_king]

ako i have credit cards pero wla gyud ko mu crave ug pamalit. kana lang gyud magamit ug kinahanglanon na gyud nato. di bya lalim mag cge tag bayad. lesod pod ug dili nato bayaran .

[lil-jinx]

Know what your NEEDS from WANTS... then you will avoid unnecessary expenses..... live by what you earn...

[ulyrich]

Know what your NEEDS from WANTS... then you will avoid unnecessary expenses..... live by what you earn...

AGREE.. if imu sweldo 1,000 then dapat imu expenses dili 2,000 hehe

[Metz]

AGREE.. if imu sweldo 1,000 then dapat imu expenses dili 2,000 hehe

sad but true.
credit card jud ang kasagaran cause ani.
spending money that you havent earned.

but I think ang reason dali ra kaayo mogamit ug credit card ang mga tao kay wala sila kabalo unsa ka dako ang interest rate, until it's too late.

they also don't know nga paying the minimum per month MAXIMIZES the bank's gain. abi nila ok ra.

[masakiton]

mao nang ako.. debit card ra jud
good as cash ang mga transactions