15 Ways to Save Money

Saving money is hard – and boring. And most of all, it’s so not effective!

There’s the matter of self-discipline that you need to develop.

You probably heard your friend say, “Tsaka na ko mag- iinvest kapag may ipon na ako.” Well actually you can save money whenever you can; careful planning and knowledge can direct you to financial freedom. If you are interested, read these helpful money saving tips.

How do you define savings? One of the biggest mistakes that Filipinos make is how they define savings. It usually equates to:

Salary – Expenses = Savings instead of Salary – Savings = Expenses

Lessen your expenses.
Since having a raise happens once a year, the best way to save money is to lessen your expenses. Here are some suggestions:

  1.        Save money by allocating at least 20% to your savings account.
    Whenever your money comes in, get the 20% and deposit it directly to your savings account. Not only that it would help you jump start your investment, you will have enough money to cover for any emergencies that will happen in the future.
  1.        Plan your meals.
    This could really save you a lot of money if you take packed lunch in the office and buying in bulk can actually let you save more. This is not so hard because we have a lot of amazing cooking mothers and great cooking bebots (beautiful ladies) in the Philippines.
  1.        Plan your grocery shopping.
    Planning your meals ahead can spell ‘savings’, it saves you time and money in going back and forth to the store and ingredients that you need for the week can be bought in bulk, always ask for a discount when you are in the public market.
  2.        Try to stay at home more on the weekends.
    Chances are if you are outside the house, temptation is everywhere especially when you are at the mall. You tend to eat expensive meals and transportation just adds up.
  3.        Buy local.
    It may not be so obvious but by buying local you can actually save a lot of money because these items are cheaper. Not only you are getting savings you are actually helping the Philippines’ economy. How about hitting two birds with one stone sound like?
  4.        Cut down your cable and landline.
    Do you really use these? With cell phones and computers you can actually watch TV shows on the internet and actually talk to people in your country and overseas and that is for free!
  5.        Calculate your hourly rate.
    From your hourly rate, you will then decide whether you want to spend hours worked, instead of money earned. Let’s say that you earn P20,000 a month and you work 40 hours a week (which is computed into 160 hours a month):

    P20,000 / 160 = P125.00

    Based on my example, you actually earn P125.00 per hour. That dress you’re looking at right now costs P1,500. Do you really want to spend 12 working hours just for a dress? 12 hours of tiring labor, 12 hours of your boss stressing you out, 12 hours of your back hurting, 12 hours of doing confusing reports and 12 hours talking to nettlesome colleagues for just one dress?

    Think about it.

  6.        Include a “guilt trip” card or picture in your wallet.
    Let’s say that you’re using cash exclusively when going out. Every time you open your wallet to take out some cash, you should always see this guilt trip message to make yourself think twice before spending. Some effective messages that you can use are:

    Don’t do it – your older self will hate you for it.

    You worked hard for this money. Don’t just spend it recklessly.

    You’re saving up for emergencies like unexpected hospital confinement or unemployment, remember?

    Don’t be pressured into buying that dress! It doesn’t look good on you – the saleslady’s just being polite!

  7.        For cash users, save your “sentimental” bills.
    All bills have serial numbers and letters on them. Designate a certain letter that you’re going to use to determine if a bill is sentimental or not.

    As my name starts with the letter “E,” I would save every bill with a serial identification that starts with that letter. There are times when I’m lucky, because only my P20 bills had “E.” But just recently, my P1,000 bills became my sentimental bill. It’s better to think of money this way: you’re saving it for yourself.

  8.        If you’re using credit cards, include a compelling photo in your credit card’s sleeve.
    This photo can either be motivational (a picture of the Eiffel Tower because you may be saving up for a trip, or a picture of your potential small business’s logo) or disastrous (a picture of a hospital’s emergency room or a homeless elderly). Choose something that will make you hesitate in swiping that card.
  9.        Freeze your credit cards.
    If you really can’t control yourself from using your credit cards and you know that you also can’t afford to pay the full balance and in time, just freeze them! Get a container, fill it up with water, put your credit card in it and store it into your freezer.

    The worse your lack of self-control is, the larger your container should be. It’s pretty inconvenient to wait for your card to defrost when your friends are already waiting for you.

  10.        Carry only big bills with you.
    When going out with friends, carry only bills in P1,000 denominations. (If you don’t have them, don’t go out in the first place!) There’s just something psychologically excruciating in breaking your P1,000 bill just for a P140-cup of cappuccino. It’ll really make you decide whether or not to spend your money.
  11.        Save that change.
    If you spend your P1,000 bills, though, make sure you save the change in your bank account. Have a motivational jar in your house and stash all your change in there. Then, every two weeks, deposit this change in your savings account and forget it exists.
  12.    Set up automatic transfers.
    I’m pretty sure you can talk to your bank about this one. You’ll have 2 bank accounts here –account A is your salary account and account B is your savings account, preferably no ATM.

    If your salary goes into account A, you can ask your bank to withdraw (at least) 5% and deposit it to account automatically. Don’t trust yourself enough to do this manually. The pain is just too unbearable. Leave it to automation instead.

    And the most important,

  13.    Ask the necessary “Do I need this?” question.
    Oh yes, instincts tell us that most of the items we grab are wants than needs. And, supermarkets are designed for us to buy the things that we don’t need.

 

Source: http://www.rappler.com/

 

VM300 and VM500 Denomination

Gusto mo bang makatipid sa load mo at mag-unlimited text to all networks for 30 days or 60 days for only 10/day or P8.33/day? Plus consumable internet and with free calls pa? Ang sim na to ang para sayo!!!

Introducing the ENHANCED X-Clusive Load Packages:
VM300 & VM500 Enhanced Load features and Mobile internet.

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Watch this video:

 

HERE ARE THE STEP BY STEP GUIDELINES:

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VMobile

STEP 1. go to SMART MENU
STEP 2. go to LOADXTREME MENU
STEP 3. in the LOADXTREME menu click “LOAD” and press OK
STEP 4. click “LOAD TO SELF”
STEP 5. type in your ID# and click OK
STEP 6. type in your PIK and click OK
STEP 7. choose whether you like VM300 or VM500

Lastly, you will receive a confirmation message that yu are now registered to VMOBILE X-clusive PACKAGE 🙂

*Make sure u have enough load wallet to avail this product! 🙂
*Yung VM500 po pala ung inavail ko dyan kaya good for 30days..

Contact me to avail:
SUN +63 943 529 3947
GLOBE/TM +63 935 910 0864
SMART/TNT +63 920 973 7056
ENJOY TEXTING TO ALL NETWORKS!! 🙂

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CELLPHONE:
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GLOBE/TM +63 935 910 0864
SMART/TNT +63 920 973 7056

FB / EMAIL: banasihan.erica@gmail.com

Welcome 2014, Happy New Year!

Goodbye 2013, Welcome 2014! Happy New Year!

 

“Cheers to a new year and another chance for us to get it right.” 
― Oprah Winfrey

Ang ganda lang nung quote na ‘to from Oprah Winfrey..

2014 na.. Di pa ko sanay.. Siguro kung student pa ko, 2013 pa rin nakalagay sa mga assignments, quizzes at exams ko. Haha!

Ang bilis matapos ng 2013.. Itong year na siguro ang pinaka maswerteng year para sakin sa ngayon.. Fresh na fresh pa sa isip ko lahat ng mga pinagdaanan (pinagdaanan talaga? Haha!) ko for the whole year.. As in mula January. Hehe! Naging mabilis lang siguro talaga para sakin kasi naging busy sa iba’t ibang bagay..

Start palang ng 2013, busyng busy at cramming na ng dahil sa Thesis namin.. Hard work talaga ‘tong month na ‘to! Overnight kung kani-kaninong bahay/apartment ng mga classmates para sama samang gagawa. *kakamiss* pacheck sa adviser.. At syempre, di mawawala ang revisions kaya gawa na naman. 🙂

February.. Retreat, Mock Defense at Final Oral Defense!! Naaalala at nafi-feel ko pa rin yung na-feel namin nung mga panahong yun.. Yung di pa kami ready mag defense pero ilang araw nalang e defense na.. Ang naging final plan is Feb 3 (Sunday), nag mock defense kami sa adviser namin.. Feb 4-6, retreat namin.. Time to relax and time to disconnect daw kung ano mang problems meron kami. Pero pano magrerelax? Thesis ang nasa isip! Haha! So, feb 7 ang FOD namin.. Pagkatapos na pagkatapos talaga ng retreat.. Na naging advatage yata namin kasi refreshing yung retreat. Hehe! And Praise God, okay naman FOD namin.. Minor revisions lang tapos pass na rin ng final paper.. 🙂 Praise God ulit, kasi we made it! Naging Best Research Paper kami! 🙂 Ang saya kasi sulit na slit lahat ng pagod, puyat, sakit ng ulo, at kung anu-ano pa! Hehe. 2012 palang yata nagpe-pray na ko na sana maging Best Thesis kami. (Pwera biro) Hahaha!

March? Pa-easy easy na kasi exams and clearance nalang.. At saka namin nasabi na Yes! Graduating na kami! 🙂 Palit DP na sa Facebook kasi official na.. March 26, Graduation.. Masaya kasi natupad yung promise ko sa sarili ko na makagraduate ng college na may award. Para naman masaya ang parents. Haha! Best Thesis at pati pagiging NCII passer binanggit nila. Ayos naman. 🙂

April (Anniversary month ♥).. Official na. Unemployed na kami! Haha! Relax relax muna.. Tapos apply apply na sa iba’t ibang company.. Interview.. Pati nga 1st anniversary namin ni Mikhail may interview kami sa same company.. Haha! Okay naman. Masaya.. Pinagluto kami ng Mama nya. 😀 At natapos ang month of April na wala parin akong nakukuhang trabaho. Haha!

May na.. My Birthday month.. May 5 yung birthday ko. First time ko magpa body scrub.. At naiilang talaga ko sa nagsscrub sakin! Haha. Gift sakin ni Mikhail yun. 🙂 simple lang yung birthday ko. Wala akong bisita.. Si Mikhail lang. Hehe. Naghanda at kumain lang kami sa bahay. 😀 nag travel kami ng family ko sa Ilocos for 4 days. First time yun! Libre ni uya lahat. Bait no. Hehe. 1month na rin akong unemployed. Pressure na. Kasi yung iba meron na. Haha! Pero Praise God, kasi bago matapos ang May, nagkawork na rin ako. Programmer sa IRRI. Yehey!

June.. Start na ng mga classes. At may work na rin ako.. Medyo research research tungkol sa language na ginagamit namin.

July.. Okay naman.. Nakapag adjust na sa environment sa office.. Ayos na. Hehe. Kaso PS lang ako sa trabaho. 3mos lang.. Nag iisip na kung mag aapply sa iba kasi hanggang August lang ako. Haha!

August.. Natatandaan ko pa rin yung feeling ko nung month na to.. Yung ‘last month ko na ba to?’ feeling.. Pero Praise God, nagkaron ng vacancy, Jr. Software Engineer at pinagaapply nila ko.. At ako yung napili. Hehe. Sa wakas may insurance at bigas na rin ako every month na parang si Tatay. Hahahaha! Ang saya! Isa to sa mga masayang month ng 2013 ko. 😀

September.. October.. November.. Masayang magtrabaho kahit nakakatamad gumising ng maaga. Hehe. Masaya kasi new discovery, maraming natututunan, nabibili yung gusto at nakakatulong sa parents.. Yun ang the best! 😀

December.. Feel na feel ko sa month na to ang pagiging employee ng IRRI.. Daming benefits. Hehe. First time ko makareceive ng food basket for christmas, 13th month pay at christmas bonus. Ang saya pala. Haha!

 

Thank you Lord sa mga blessings! I love you! 🙂 😀 :*

 

“Be thankful for what you have; you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough”

Ikaw, kamusta naman ang 2013 mo? 🙂

April Fools! :P

Tomorrow, April 1.. April Fools Day neh! an ordinary but exciting day! 🙂

April Fools Day is a “for-fun-only” observance.

Pranks performed on April Fool’s Day range from the simple, (such as saying, “Your shoe’s untied, or I accidentally stepped on your glasses!), to the elaborate. Setting a roommate’s alarm clock back an hour is a common gag. Whatever the prank, the trickster usually ends it by yelling to his victim, “April Fool!”

Practical jokes are a common practice on April Fool’s Day. Sometimes, elaborate practical jokes are played on friends or relatives that last the entire day. The news media even gets involved. For instance, a British short film once shown on April Fool’s Day was a fairly detailed documentary about “spaghetti farmers” and how they harvest their crop from the spaghetti trees.

You Know What They Say About Fools…

* It’s better to keep your mouth shut and be thought a fool than to open it and leave no doubt. –Mark Twain
* However big the fool, there is always a bigger fool to admire him. — Nicolas Boileau-Despréaux
* [Politicians] never open their mouths without subtracting from the sum of human knowledge. — Thomas Reed
* He who lives without folly isn’t so wise as he thinks. — François, Duc de La Rochefoucauld
* The ultimate result of shielding men from the effects of folly, is to fill the world with fools. — Herbert Spencer
* Sometimes one likes foolish people for their folly, better than wise people for their wisdom. — Elizabeth Gaskell
* Looking foolish does the spirit good. — John Updike
* Let us be thankful for the fools. But for them the rest of us could not succeed. — Mark Twain
* A fool sees not the same tree that a wise man sees. — William Blake
* A fool must now and then be right by chance. — Cowper
* It is better to be a fool than to be dead. — Stevenson
* The first of April is the day we remember what we are the other 364 days of the year. — Mark Twain