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/

 

Flappy Bird Free Download

Flappy Bird is a 2013 mobile game developed in Hanoi by Vietnam-based developer Nguyễn Hà Đông (Dong Nguyen) and published by .GEARS Studios, a small, independent game developer also based in Vietnam. The game, which was released on May 24, 2013, was removed from both Apple’s App Store and Google Play by its creator on February 10, 2014.

How to play:
> Tap to flap your wings to fly.
> Avoid pipes.
> Try to get 4 medals: Bronze, Silver, Gold (hard), Platinum (very hard)

What’s New in Version 1.3:
1) Support Android 2.2
2) Fix bugs.

Here’s a screenshot of the game played by my brother Kim Banasihan:

Flappy Bird by Kim Banasihan
Flappy Bird by Kim Banasihan

Click here or here to download Flappy Bird.

 

Sources: Wikipedia, apkandroid

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.

VMobile
VMobile

 

Watch this video:

 

HERE ARE THE STEP BY STEP GUIDELINES:

VMobile
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!! 🙂

Extra Income Opportunity for only P4,998 or P8,888 (worldwide)

Are you ready to be a Global TECHNOPRENEUR?

A 24/7 Prepaid Convenience Store Right at your Finger Tips,

with WORLDWIDE Prepaid Loading System.

Be Part of our Group!

Retailership and Dealership are available only to any of our  Vmobile Dealer. 

If you are SERIOUS IN MAKING MONEY, I am willing to teach TRADE SECRETS that can make your DREAMS come true.

IMAGINE, maliit na capital pero malaki ang income potential.
Work part time or full-time, and EARN EXTRA INCOME! 5k-50k/month or something better!

Ang kikitain mo rito ay magdedepende sa effort mo. Kung wala kang pangarap at ayaw mo umasenso, hindi ito para sa’yo!

OPEN TO ALL:
students, undergrads, full-time tambay, employed, freelancers, entrepreneurs, real estate agents, OFW’s, network marketers, etc.

DECIDE… COMMIT… SUCCEED…

 VMOBILE STARTER PACKAGE (Php 8,888.00)

> 1 Technopreneur Account
> 40 Technouser Accounts
> 41 Vmobile Sims
> 1 Vmobile MyLifePro Manual
> 1 Vmobile Tarpaulin
> 40 Sets of Quickguides
> 1 Product Guide
> 40 Price Lists
> P300 Load
> Life Insurance of up to Php 100,000 (good for 1 Year)
> SM e-PLUS Tap-To-Pay Card

* FREEBIES: 300 Loadwallet

vmobile
vmobile

VMOBILE FAMILY PACKAGE
Php 27,000.00 (DOUBLE or TRIPLE the earnings!)
* comes with INSTANT EARNINGS of 2,600
* FREEBIES up your Loadwallet total to 2,000

EXCLUSIVE INCENTIVE: FREE BLACKBERRY Z30! *
*When you reach a certain milestone here in Vmobile (Activate Level 4 in 1 MONTH)

VMOBILE STUDENT PACKAGE (Php 4,998)

vmobile

1 – Technopreneur Card – Membership card that holds your membe ID and activation code . This is not  a prepaid card.

2 – MyLife PRO prime manual – Get started on knowing more about MyLife PRO, how it works, and how you can earn with this easy-to-understand manual.

3 – VMobile Business Tarp – Let everyone knows you’re enjoying the business and ready to share the opportunity. Post this tarpauline on strategic places where passers-by can easily inquire right away.

4 – Program Quick Guides – Learn how to start the technology from your mobile phone. These quick guides and product brochures simply tell you how to do it.

5 – Technouser Cards – Your pack contains 20 of these cards that you can sell for only P250. Sell all (P5000), and you have your investment returned.

6 – Free SMART SIM Cards – SMART is a partner of VMobile and has included 3 VMOBILE SIM cards in every kit. You can either sell or give these away.

7 – Product and Price List – Pocket-friendly pricelists that guide you when someone asks you to load their prepaid products. It also shows you the discounts that you get for the different products and denominations.

*If you chose Wellness Package

8 – Apollo Toothpaste – A partnered wellness product. No selling required. Apollo toothpaste is the only toothpaste in the world that uses probiotic science. Apollo toothpaste has bacteriocin extract for it’s active ingredient, Apollo toothpaste is also flouride free and best for people with gingivitis and mouth ulcers (singaw), as well as sensitive teeth.

9 – Moringa Exceed – A partnered wellness product for you to enjoy only. No selling required. Moringa Exceed is the pure powedered leaves of the Moringa Oleifera tree that is carefully and scientifically processed. Moringa naturally combines its nutrients with over 46 antioxidants and 36 anti-inflamatory compounds which are well absorbed by the body.

*If you chose LoadPlus Package

8 – E-Plus Tap to Pay  – SM Cinema’s e-PLUS Prepaid Card is a simple and convenient way to enjoy the movies.

With e-PLUS prepaid cards, you no longer have to endure lining up at the ticket booth to watch a movie. Go straight to the cinema, insert your prepaid cards and enjoy the movie.

e-PLUS prepaid cards also give you the flexibility of choosing a movie schedule convenient for you. Are you unable to make it in time for the screening time? Not a problem! With e-PLUS, you can simply catch the next available screening without any hassle.

9 – P300 Loadwallet – Once registered Loadwallet will be automatically credited to your account.

CONTACT (Erica Banasihan):

CELLPHONE:
SUN +63 943 529 3947
GLOBE/TM +63 935 910 0864
SMART/TNT +63 920 973 7056

FB / EMAIL: banasihan.erica@gmail.com

Apple: iPhone 5c and iPhone 5s

Apple Inc introduced two new iPhones on Tuesday (Wednesday, PHL time), the iPhone 5S and the iPhone 5C that comes in five colors and starts at $99 with a contract, priced to bring one of the industry’s costliest smartphones within reach of the masses in poorer emerging markets

Apple CEO Tim Cook says the two new designs will replace the iPhone 5.
The iPhone 5C will be powered by the A6 chip, will feature an 8 megapixel camera and photo filters.
The second smartphone model is the iPhone 5S and has the A7 chip and comes in three colors, “Space” grey, silver, and gold.
img_8864

The iPhone 5C will greatly help Apple in many markets. While most phones come with a 2-year contract in the U.S., it’s not the case in the rest of the world. A new cheaper iPhone was highly anticipated as it could become a best-selling device in Europe and Asia. In these countries, customers can opt for cheaper plans but have to purchase unsubsidized phones. While it’s a great deal over two years, the high price of the high-end iPhones sometimes scares people off and make them buy Android phones.

In a surprising move, the iPhone 5 is not sticking around while Apple will now “sell” the iPhone 4 for free with a two-year contract. On the other hand, the iPhone 5 is now discontinued.

The five colors of the new iPhone 5C are seen on screen at Apple Inc's media event in Cupertino
Watch these videos for more details.

iPhone 5s

iPhone 5c

Facebook Home

Facebook Home is now available for download on select Android devices. 😀

Facebook Home is the mobile experience that puts your friends at the heart of your phone. From the moment you turn it on, you see a steady stream of friends’ posts and photos on your home screen. Upfront notifications and quick access to your essentials mean you’ll never miss a moment. And when you download Facebook Messenger, you can keep chatting with friends when you’re using other apps.
• Glance at your phone for the latest photos and posts from your friends
• With chat heads and Facebook Messenger, you can keep chatting when you’re using other apps
• See news as it happens with bigger, bolder notifications
• Get right to Facebook, Instagram and other essentials

https://play.google.com/store/apps/details?id=com.facebook.home