How to save when when you have bills to pay and kids to feed?

[fashion-is-you]

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Sorry for this personal question,
pero moabag ra man tingale mo
sa inyong mga hubby?

combined forces na ni sya dear..hehehe

[NAN_WEN]

...pila man d ay na kabuok imung anak TS try daw pag piggy bank..heheheh ^___^

[cebugdev]

Thanks kau cebugdev ..i got advises from friends but never to the extent na naka ingon ko yeah ur right..hehe..but really.. you are right..i am guilty to maybe some of the common mistakes of pinoy...i dont spend on gadgets..but definitely i spend as if i have more of those peso bills where it came from..and i end up with nothing..sometimes negative pa gani..But dont get me wrong..I do spend on needs..but I am the type nga...i dont look at the price tag when I go to the grocery store...LOLz..

Discipline..yes..thats the key really..

Thank you..i will surely take your advice..

Your welcome, the things I posted were based from experience man pd, yeah I know its hard, but it needs actual realization man gud to make it work.

[Bricksand]

well cebugdev already said it all but I will touch your current situation...

1. sit down and talk with your husband evaluate your finances (income - expenses) verify if you have positive cash flow otherwise you will get negative - Alert Flag for this!
2. If positive cash flow continue but better to observe cost cutting still (wants vs needs will fall on this category) and start saving asap let's say 10-20% of the remaining funds.
3. If negative you must act quickly to offset it (cost cutting and prioritize your shopping needs).
4. Avoid credit cards only if you can't resist the temptation being extravagant. On side note CC have advantage as well like if you don't have available cash on hand right now and your baby needs milk..you can charge it for now (CC usage) BUT make sure to pay it on time so that there's no interest for it. Somehow you solved the situation and have longer period paying it which will give you ample time to have cash.
5. Lastly it will be up to you now and you must face your greatest enemy which is yourself.

Good luck TS!

[mybuuz]

We avoid the daily intake of garlic and onions like we used to sa mga ginisa ug uban pa and buy atsal instead of garlic and onions. Ok ra mogamit ug garlic and onion kung manambal man gani but not daily. We don't use any instant nga panggisa, not good for the body. Rock salt instead of iodized salt ang gamit. Mao ni ang gibasihan nga source of information regarding garlic and onions: Why no Onions and Garlic?

Sa panglaba kay naggamit man ug washing machine, nag gamit mi ug loundry balls similar ani: Eco Green Laundry Balls
pero di gyud ing-ana ug brand or itsura ug barato ra to palit nako sa sm hardware kay gi sale that time, tag P25 ra while ang isa ka product gi display tag P190. Ang tinuod ani, barato ra gyud ni nga product, gipahimoslan lang sa uban ug overpriced. Ang claimed is about 90 loads ni magamit but from experience sobra pa sa 90 loads magamit kay dugay kaayo mahilis ang pellets niya sa sulod. Ang function aning pellets nila mao ang pag soften sa water aron soft water mismo ang mo clean sa panapton. Lubog gyud ang tubig sa hugaw sa mga panapton. Banlawan kaduha ug tapos na imong labada. A tubig sa first banlaw, gi save pang flush sa toilet bowl. Ang tubig sa ikaduha nga banlaw, gigamit sa mga tanom labi na karon nga ting-init na. Nindot ang resulta sa labada than using the conventional chemical detergents. Mogamit man gani ug sabon panglaba sa ginagmay nga mga butang, perla ra pud kay pinakasimple pagkaprocess.

OT:
i'm just curious about the "no onions and garlic", in the blog he stated the facts nga we can describe about mga indianos nga baho and the likes. you know uso ilaha ang suicide, it made sense nga tungod sa ilang staple food nga onion.
but ofcourse, eating it in excess is clearly not good. eveything in excess is not good, but not to the point of avoiding them. we have so much study that they are beneficial, than it harms. again, except in excess. i would like to read more in medical side for the explanation.

sa imo pud panglaba, dugay nako ganahan ana. i'll try that soon.

OnT:
dili lang sa imong sweldo ta dapat mag-save. when opportunity nga makadawat ka ug dako2x nga money like 13th month pay or bonus, ayaw dayon pataka ug gasto. save it for the whole year hangtud madungagan napud.
i also cut off my CC, it does no good, promise!

[slabdans]

well cebugdev already said it all but I will touch your current situation...

1. sit down and talk with your husband evaluate your finances (income - expenses) verify if you have positive cash flow otherwise you will get negative - Alert Flag for this!
2. If positive cash flow continue but better to observe cost cutting still (wants vs needs will fall on this category) and start saving asap let's say 10-20% of the remaining funds.
3. If negative you must act quickly to offset it (cost cutting and prioritize your shopping needs).
4. Avoid credit cards only if you can't resist the temptation being extavagant. On side note CC have advantage as well like if you have available cash on hand right now and your baby needs milk..you can charge it for now (CC usage) BUT make sure to pay it on time so that there's no interest for it. Somehow you solved the situation and have longer period paying it which will give you ample time to have cash.
5. Lastly it will be up to you now and you must face your greatest enemy which is yourself.

Good luck TS!

kani TS sakto ning ka bricksand...pakig lalis daw sa imong kuagalingon kay perte daw na a gastador

[ches0110]

just save ayaw pag gasto ug unnecessary

[fashion-is-you]

kani TS sakto ning ka bricksand...pakig lalis daw sa imong kuagalingon kay perte daw na a gastador

I argue with myself most of the time..hahaha..

[silent-kill]

di man gud ka ma inspire og save.. kong wa kai goal gud. dapat mo build sa ka sa imong goal una.

ako pag fresh grad nako ning aim ko 1M by the age of 25, i did not know how to achieve it then. but eventually na abot ra nako although a lot later na ahha 2 years delay. now ako goal.. ako napud gi set higher.

ako bago goal karon is, to be able to afford a house, and still have my cash intact.

ang important ra TS... kong naa kai goal.. mo save, dapat imo butangan og target date kong kanusa nimo ma-abot.

[slabdans]

di man gud ka ma inspire og save.. kong wa kai goal gud. dapat mo build sa ka sa imong goal una.

ako pag fresh grad nako ning aim ko 1M by the age of 25, i did not know how to achieve it then. but eventually na abot ra nako although a lot later na ahha 2 years delay. now ako goal.. ako napud gi set higher.

ako bago goal karon is, to be able to afford a house, and still have my cash intact.

ang important ra TS... kong naa kai goal.. mo save, dapat imo butangan og target date kong kanusa nimo ma-abot.

bro utangon nato na imong 1m bi...palit nakog jeep dipasaheroan mag negosyo ko