I don't mind being teased as a cheapskate. My father would call me "Corry" a name he coined for me which means "Kuripot" whenever I mention the lines budgeting or saving money to my mom. I just shrug it off!
My mantra this year is to live below my means so that I can build enough emergency fund quickly. Some of my frugal hacks might be silly and gross to others, but I don't care. Haha. Feel free to read my frugal hacks that I listed below:
1. I bring packed lunch at the office every day. It saves me 75-150 pesos on buying food at the jolly jeep or fast food chain in Makati CBD.
2. I don't buy cologne or perfume because we use fabric conditioner for our clothes at home, and I shower every day. I'm confident that I don't have a funky smell. LOL. Guys, taking a bath is the key to prevent bad odor.
3. We dilute the shampoo with water. We also do this to our dish washing liquid to maximize the usage.
4. In our house, we use sugar instead of flavor enhancer (MSG/vetsin). I learned it from my former officemate. It is inexpensive and organic too!
5. We save the last part of the laundry water to flush the toilet or clean the bathroom.
6. Instead of riding a UV Express Van (50 pesos fare), I ride a PNR train on my way home. I only paid 10 pesos for my fare, however, when there's a heavy rain or I am not feeling well I ride a UV express instead. Let's say I know when to choose convenience when the weather is bad.
7. We collect empty plastic bottles and papers. We put it in a sack/plastic bag and sell it to a nearby junk shop. Another way to earned additional money!
So that's it for now. Do you have any frugal tips that you want to share? Leave your suggestions in the comments box.
Photo Credits: Canva.com
I have a natural wavy hair, and I admit having them rebonded like many times to achieve a silky straight hair. I first rebonded my hair when I was in my fourth year college until when I was working on my first job. Every December when I received my 13th month pay, you will see me on the salon to get my hair fixed.
Aside from that I also like to color my crowning glory using hair dyes. I often buy two boxes of hair colorant products to dye my hair because I have long and thick hair. But this year I am eager to ditch these hair treatments!
I summed up my expenses and the total amount surprise me with horror. It is too much! I felt like I'm wasting my money down the drain. Don't get me wrong, I'm not against people who love these treatments for their self-beautification. It's okay to do this as long as you can afford it, then go for it! No one will stop you but I am merely speaking for myself and ways to save more from my monthly paycheck.
Saying adieu to hair rebond is easy because I learned to love my natural hair two years ago. While the hardest is giving-up coloring my hair. I have two shallow reasons why it is difficult for me. First, it can lighten my skin, and lastly braids looks appealing if I have a colored hair. I know, I know it's too funny right?!
Thankfully, I am more determine to save this year. I think of it as a little sacrifice to give way to my brighter future. How about you? What are the small or big things you gave up or sacrifice for the sake of saving? Share your opinion below.
Photo Credit: Pixabay.com, Canva.com
One afternoon, I was busy browsing my Facebook account when
I read a post from my friend Jethro (jethrosas.com). He posted something about emergency fund and
buffer account. Curious about the meaning of the latter, I sent him a message
asking him about it. He quickly replied and explained to me the meaning of
buffer account.
As per Jethro, it is a spare money equivalent to my monthly income. If there’s a delay in my salary, I can use my buffer account to pay my bills on time without stressing myself or worst lend money to someone. Of course, the latter scenario is a big no, no.
After our conversation I'm eager to start and save for my buffer account next pay day. I guess I need to extend my shopping banned for two to three months to achieve it. Boo! Oh well I can do this!
I am no expert in this financial field, but I believe if I will start saving now I can have a debt free life and retire early.
What about you? Do you have a buffer account? How much are you willing to save for it? Share your opinion on the comment section below.
Photo Credits: Pixabay.com, Canva.com
