Is your family frugal? / The Frugal Lifestyle

[Ms.Beau]

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hi evs! nice to see you here again...ya, bilib sad ko kaayu ni streetcar oi, wala ko nagtuo ingon ana siya ka maabilidad.

@mai :mrgreen:

[ragingtakyo]

Para pud naku, I want me and my husband make lots of money and splurge on a vacation spree once a year. I plan to take my kids gradually to places suitable for their age. From disneyland to beaches in the Philippines, to waterworld, to niagara falls, to museums, to historical places, to other countries besides here and pinas. Wooh hehe, wa pa mi nagsugod puhon puhon maabot ra na hinay hinay lang.

My older brother's kids in chicago enjoys visiting different states across america, they write about every state they visit in their journal, they take pictures too. They research before they go, and then evaluate when they get home. But they discipline their kids to be thrifty in every way including clothes. They don't buy expensive brands, they wear generic shoes. Their kids aspire to go to a good college soon. And because they understand that if they're thrifty they can go to a wonderful vacation at the end of the year.

Mura reward ba. So no tantrums "mommy, buy me this" and that. Tingub.

One thing I learned from Oprah is to save money in the bank equivalent to 7 months of your total expenses. It will be your "life-savings". Seven months that includes every monthly expense and a little miscellaneous budget. This is the best preparation for an unexpected rainy day.

let me think about this one when my only child is already  6-7 years old...
but for now, i think im gonna spoil her a bit.

i wish could make more money but the thing is, my wife have a thing with the budget...

it is always negative...hehehehe

until the next payday!

[Shofu]

i used to be gastador untl i was offered a job here in China, Grabe as n grabe jud. That is one thing i appreciate with Chinese kay dy value dyr money as dy value dyr life. Dy dnt spend unnecessary things. We Pinoys are galante and we took that frm the Katsila during dyr colonization in our country. Maski wla kwarta,mangutang jz to show off and prove nga maka afford lang.
Just spend money wisely and buy stuffs that are useful. We pinoys love to eat meaty and non-healthy foods resultling to sickness and again ma issue napud ang MONEY...Everything in moderation lang...

[DebutsAndIDos]

sa ka frugal accidents or disasters happen and you'll end up paying more than what it called for to begin with.

I think there is a difference between being frugal and being kuripot (or stingy).

Frugal is when you plan, budget and not spend on what is not needed. It doesn't mean you dont luxuriate evry once in a while, but even that should go in the budget.

Kuripot is when you are so adverse to spending that you dont even spend on the necessary and basic things.

I mean, anti-anay is a basic, right, so that would make that person way past frugal and well into stingy. Too bad for him.

It's gotta be a balance.

[Ms.Beau]

right on, DebutsAndIDo's. there's a fine line between being frugal and being stingy. And I believe frugal people become wiser as they have to be constantly aware of that line.

[Streetcar]

hi evs! nice to see you here again...ya, bilib sad ko kaayu ni streetcar oi, wala ko nagtuo ingon ana siya ka maabilidad.

@mai :mrgreen:

Thank you guys, but remember perhaps you did not know that i was already independent since i was 8 yrs. old i took care of my two brods and my dad who was nursing a broken heart when my Mom left us. So that was quite an enormous responsibility for an 8 yr. old and that was when my grandparents took me and raised me mao na anad ko kaayo self-supporting ko, i'm used to being independent almost all my life which that experience actually helped me in my adult life

[Ms.Beau]

Thank you guys, but remember perhaps you did not know that i was already independent since i was 8 yrs. old i took care of my two brods and my dad who was nursing a broken heart when my Mom left us. So that was quite an enormous responsibility for an 8 yr. old and that was when my grandparents took me and raised me mao na anad ko kaayo self-supporting ko, i'm used to being independent almost all my life which that experience actually helped me in my adult life

bilib ko samot mai

[d`monyita]

Thank you guys, but remember perhaps you did not know that i was already independent since i was 8 yrs. old i took care of my two brods and my dad who was nursing a broken heart when my Mom left us. So that was quite an enormous responsibility for an 8 yr. old and that was when my grandparents took me and raised me mao na anad ko kaayo self-supporting ko, i'm used to being independent almost all my life which that experience actually helped me in my adult life

ay ka-heart-wrenching man pud yan thought of you "becoming adult" at the age of 8... ako gani nephew...kalokah! he is 11 now but he is the one taking care of his FIVE siblings... ang parents nya anak ng anak nakakainis naaaaaaaaaaaa. wala gyud mi nalingaw sa duha.... maau na lang makalingaw ang kids.

feeling ko ba kung ang parent talibagbag... and u hoist the adult's responsibilities on the kid... you CHEAT the kid of a childhood. im glad you turned out ok sis.

[Ms.Beau]

yes, i agree with you, mother dee. it's actually emotional abuse when a child is given adult responsibilities.

mai, good thing you had your grandparents taking over the parenting responsibilties.

[Streetcar]

Hi Mother Dee, thanks God no but-an man sab ko kaayo. My dad cried when my grandparents took me it was a decision that i had to make myself but my dad knows i'll have a much better life with my lolo and lola sa mother side pero bilib ko sa akong daddy kay nag dalaga ko wala akong mommy. He was the one there for me sus gipalukso ko ug hagdan, asked me to sit on a banana leaf i dunno for what reason? unya pahid underwear sa akong face kuno para makinis, hehehe that ritual when you first get your period full of superstitious beliefs gyud. Maayo na lang my Dad was there acting like my Mom. But if not because of my Mom sab, dili man sab ko ka anhi ug States. Nia na mi tanan dire mga brods pud nako. Mao man siguro kung eldest you really feel the responsiblities of taking care of your younger siblings. I both love my parents so much. My dad is very helpful and compassionate akong Mom same thing. The three of us mga kids had to patch them up one time nanguli mi tanan sa Pinas with my Mom kay years sila not in good terms. At least it was nice to see them both friends again so everybody happy. Pero nice kaayo akong childhood except for that time nilayas akong Mom. I always wait for her by the window after work and I never saw her come home again. My dad was her teacher. She was only 14 when she had me. So my dad sent her to college until she graduated pero mao siguro to nag change kay bata pa. My dad is like 20 plus years her senior. Now they both have separate lives my dad remarried so as my Mom and we all get along even with my stepmom or stepdad mga buotan man sab kaayo sila so oks na ron. Bu when i was growing up with myy lola, i was spoiled in a way na before ko tagaan ug allowance or anything, i had to work for it like sundan ang helper ug limpyo, etc. I was well disciplined and grew up in a very conservative environment very strict akong grandparents naa gani ko admirer mobisita nah, maglatag sab ug banig akong lolo right there in front of my admirer, kakahiya no? lol mouli na lang tawon ug kalit kay saon ingon akong lolo matulog na kuno siya. Duh, grabe ka strict halos di ko kagawas ug balay ako lang sabuton ang helper nga mo sneak out ko sa back stairs sa kusina unya huwatan ko para ablihan ko, lol that's how i dated my first love. Anywayz....my history somehow makes me frugal in a way kay naanad na i guess, lol