Peso pinching tips

Once again, the peso-stretchers like me (without becoming Uncle Scrooge himself):

1. Catch rain water in a pail or drum-very good for watering plants and flushing the toilet. Just make sure no stagnant water as breeding ground for mosquitos;
2. Go to a barber shop near schools-they usually charge lower haircuts being student prices than the salon;
3. Plant vegetables from your grocery-e.g. those tomato or bellpepper seeds are easy to grow;
4. Exercise daily and eat well-bawal magkasakit;
5. Use a good vegetable peeler e.g. for potatoes, carrots-avoid wastage while preparing food;
6. Walk, walk, walk or at least use a bicycle-Good for the environs+your health;
7. Clean house/room regularly-filthy room breeds insects, rats thus more expenses for insecticide, damages to clothes etc.;
8. Learn to sew your clothes-good sewing kits are muy cheap-o;
9. Utilize points from your suki cards;
10. Review your financial investments-move those unproductive deposit products to better bank/rates or convert to another currency if depreciation of such wildly fluctuates asset value;
11. Make a list of all electrical load-lights, appliances in terms of wattage and estimated hours usage per month-you'll be able to pinpoint which item you can cutdown on;
12. Visit someone who borrowed money from you-they just might pay up some;
13. Pay your bills in ATM machine-minimize fare and time queuing in banks;
14. If you and family member's birthdays fall near each others (e.g. same month/week), celebrate it together.

that avoid the casa advice is only for cars out of warranty. i don't recommend it for new cars just to save a few bucks, you'll never know

medreps really give away so many things to doctors...and some, if not many, doctors will prescribe medicines from pharma companies who can pamper them better

I know because i personally know a medrep who can't stand it but forced to do something about since it's her only job. some of her doctors even demand to be fetched personally by the medrep from/to home as if the medrep's her personal driver

just one of the reasons why medicines are soooooooooooo expensive in this country...the "marketing" costs of wooing doctors are passed on to consumers :(

The Dark Side of Savings.

"The paradox of thrift (or Paradox of Saving) propounded by renowned economist John Maynard Keynes, states that if everyone saves more money during times of recession, then aggregate demand will fall and will in turn lower total savings in the population because of the decrease in consumption and economic growth."

In my opinion, a good quality of life is what we need to aspire for, whether in recession times or not. It's always good to save for tomorrow and the day after, but don't forget to "live" for today.

Spend if you have to and most importantly, don't regret letting go of your hard earned money at the end of the day (if you have). Enjoy it and do something wonderful with it.

Cheers.

Also suggested:
1.Dont cook(lutong bahay) more than what your family could gobble in one setting, unless you( and the kids) like to sit with reheated leftovers the next time.
2.Use and consume water wisely.A 5- gallon filtered water saved every week is a good amount in one year.
3.DIY. If you can fix small repairs needed at home,do it yourself. You can save the amount for the handyman,add it to your kids peggy bank, not ANY BANK during this current crisis.

thanks for the great tips.

Thanks for all the tips you shared. I like this one best, sent by Raffy: "Visit someone who borrowed money from you-they just might pay up some" hehe

Get a Broadband dsl- Internet Connection!
Residential rates are usually about Php990 to Php1,700 per month.

1.With this amount, you can save by reading online Newspaper dailies such as inquirer,philstar,etc.
2. you can save on expenses from buying pirated cds,since you can view the movies,& download songs online.
3. you can do internet banking thus saving you time & transpo expenses
4.you can save on money spent in internet cafe.
5. you can save on telephone bills specially the overseas call by using PC to PC call.
6. etc, etc, etc

great tips, some of it, i already practiced long before and i couldn't help but smile. a frugal lifestyle is all we need to survive year after year. kudos! keep sending tips.

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Our comfortable lifestyles is a major factor which drains our hard earned money. If we look around there are so many ways through which we can save the cash. Whenever time permits take the public transport instead of the car, that way you save fuel and tries not to harm the environment. We also tend to spend a lot eating out, we can limit it to once in a month. Also share the household chores instead of employing a maid. Go to the wet market instead of the grocery. There are various ways trough which we can save money, all we need is, think of wiser ways of saving money and I believe everything follows after that.

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The point is that things really could become simpler. All you need to do is to cast a second glance at everything around you and see where you can apply cost reduction. For instance, this year for holidays, we stayed at home instead of planning a trip, used Artificial Christmas Trees instead of a huge real ones, invited our friends over and had a really pleasant time. Indeed, on a lower spending level, but you can do it.

very nice post
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I hate spending more than I should. I have made a new years resolution start finding the deals I deserve. Of course the first thing that happens is a fender bender in my 3 month old car. So I put my resolution to good use and found BMW Auto Parts Geek for a new bumper for my car. I got a great discount and it was so easy.