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

[fashion-is-you]

---

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.

wow..thats really inspiring..I hope I will be able to achieve such in just a short span of time..because I am not getting any younger..lolz..but thank you..really inspiring..i will put that in mind..

[fashion-is-you]

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

duha akong kiddos..hehehe

[Bricksand]

Just a tip to all: Learn to save and invest while you are still single. (as early as possible and income-abled)

[sabrinxy]

only buy what you need.. put aside first your wants.. save the rest of the money in a bank account that you have..

[jez_210]

para sa bday sa akong anak.. kawayan hulgan nako 5-5 or 10-10... moabot man pud ug 2k... den apil sd ko cooperative sa company.. salary deduction ng savings which is 50 ang pinakaleast.. naka save jud tawn bisan gamay...

[cmmyg]

I'm not one of the ladies from whom you want some tips pero mo share ko some tips that works well for us.

Maka save gyud when we start spending less. Nag cost cutting by investing on using natural light during the day, gibuslotan ang atop to let natural light get through the room. Sama niini Plastic soda bottles become light source - YouTube makatabang na labi na for small rooms.

We wrap all appliance cords (whole length) with aluminum tape then electrical tape to improve efficiency sa electricity nga moadto sa appliance labi na sa electric fan, washing machine ug ref. Any appliance or electrical load nga naay electric motor dako ang ma save sa ing-ani nga pamaagi. Make sure lang ang aluminum tape or foil will not touch any conducting material on the appliance cord or wire ug kinahanglan ma wrap ug electrical tape aron di dali maguba ang aluminum. For those big houses nga naay aircon, electric fan, washing machine ug water pumps nga migasto ug P10k ang electric bill, nakasave sila ug P3k sa ing-ani nga pamaagi. Additional nindot nga effect ani mao nga mohilom ang andar sa mga sabaan nga aircon - meaning less vibration, nakaless sa noise pollution. For small household, naay monthly savings nga P100 to P400 monthly sa electric bill with just one time gastos sa aluminum tape ug electrical tape.

Regarding food, niundang na kaon ug karne. It will take two months nga anam anam ug minus ang meat nga food intake. Fish nalang kinagmay and more on gulay, fruits (pinaka least nga naa ang saging hinog or linung-ag) and nuts na. Maka save kay wala naman pud mag sige adto ug pharmacy aron palit vitamins supplement ug wala nay sakit sakit sa panglawas. Pang long term ni nga pamaagi ug bye bye western medicine ang ing-ani nga pamaagi - meaning di na pud sakitin ang panglawas. Pasensya na mga doctors, kinahanglan gyud ug open mind ang ing-ani nga mga pamaagi.

Snacks sa mga bata - walay chichiriya ug processed foods with preservatives. Simple pan or saging with water will do. Kung sa balay lang, natural fruit juice and water nindot pud as drinks. Walay softdrinks. Wala mi anang mga powdered juice drinks. Wala pud mi instant noodles pero mag ilog ug pancit miki with vegetables.

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.

Kung naay sakyanan, we use simple solutions aron makadaginot sa maintenance sama sa pag improve sa engine oil ug sa electrical system.

Kung sa gargening, we save water by not removing the fallen leaves ug di sige isturbohon ang soil aron makatrabaho ang kinaiyahan mag improve sa soil. Fallen leaves di gyud angay silhigon kung nagtabon sila sa yuta, di pud angay sunogon. It will keep the soil moisture for a longer period of time aron magamit sa tanom or kahoy. Makasave ka time, makatabang pa sa palibot. Biodegradable wastes gikan sa kusina, composting na derecho. Plastics lang ang maadto sa basurahan.

The more we spend less, the more maka save. Nindot pud naay additional income or sideline business aron naay pangpuno sa savings.

Kana lang sa pagkakaron ang akong ma share.

Makasave ba jd ka ani sa pag wrap og aluminum tape and electrical tape sa cords sa mga appliances? Kinsa pa nakatry ninyo ani?

[arclops]

I highly recommend this book when it comes to budgeting...

"Money Mastery - 10 Principles That Will Change Your Financial Life Forever"

You may start with the following approach:

1. Identify your source of income on a monthly basis.
Example: Your salary + partner's salary

2.Keep a record of your expenses on a daily basis. If you have a pc with MS Excel installed, you're good to go. Make your recording simple, you don't need to enumerate every details. But record everything for every P1 nga inyong gigastuhan.
Example: Grocery, VECO, MCWD, etc..

3. Do step 2 above for 3 consecutive months. From here, you will know pila imong average expenses.

4. Categorize your expenses into two - household and school/miscellaneous.

5. Allocate a monthly budget based sa imong findings sa step 3.
Example: Household - 20T; School/Miscellaneous - 20T

6. Record your expenses for the 4th month. Use this as your benchmark. At the end of every month, track your expenses. If you get a positive residual amount, maintain it. Otherwise, analyze your expenses in that category to find out what made your expenses to swell.
Example: Household monthly budget - 20T; Household monthly expenses - 18T
Residual amount = 20T - 18T = 2T

The most challenging task when it comes to budgeting is discipline. The approach presented above may be tedious, but once you start doing it, it becomes a habit. When you reach step #6, you will be surprised nga naa kay ma identify nga mga unwanted expsenses. This is the good thing about recording and tracking. You can spot those expenses that are most likely attributed to our buying decisions based on emotions. I hope it helps.

[cmmyg]

advice pamo guys!

[silent-kill]

TS, mas nindot... mo suwat ka sa imong (sweldo + sweldo sa imong bana) then imo i lista imong tanan gasto for 1 month..
then imo i butang diri.. then ato i evaluate.. kong asa ka pwede maka save.. then lets create a goal for that savings.

[Wynna]

avoid unecessary expenses...