Soon, I'll be sharing you some of my frugal tips and ideas. For the meantime, I'll be sharing you some frugal quotes that I learned from my dad...
No. 1: Questions you need to answer before buying wants
Eto ang number 1 when you plan to buy something (alam ko narinig niyo na ito). You need to ask first yourself the following question:
1. Kailangan mo ba talaga ito?
2. Ikamamatay mo ba kung hindi mo mabibili ito?
Yang mga katanungan na yan ay talagang isinasapuso ko. Hahaha!
No. 2: "A Peso saved is a Peso earned"
This is true enough. If you save from your allotted budget, you have extra money which you could either spend or save. Kaya ako, I try my best to save on things - utilities, toiletries, groceries, etc.
No. 3: "Save at least 20% of your income"
Automatic dapat yan. Once you receive your paycheck, set aside kaagad ng savings not the other way around. Yung iba kasi spend first then yung natira yun ang savings nila.
No. 4: "Don't live beyond your means"
In Tagalog, huwag pipilitin kung hindi naman kaya. You should only spend on things that you can afford or else mababaon ka sa utang.
No. 5: "Always believe in delayed gratification"
Huwag magmamadali. Hindi lahat ng bagay instant. Darating din ang panahon kung saan magbubunga lahat ng pinaghirapan mo.
No. 6: "There is no such thing as 0% interest"
I do have credit cards but I don't purchase on 0% interest. In doing large purchases, I either pay cash or straight charge since they offer additional discounts on this kind of transaction.
No. 7: "Kung secured kang tao, hindi mo kailangan maki-in"
Naalala ko ito nung kasagsagan ng mga cellphones. Kuntento na si daddy sa Nokia 5110 niya. Ang point dito is, you need not to be insecure kung hindi ka in sa lahat ng bagay basta alamin lang kung ano talaga ang purpose kung bakit meron ka nito. Example: cellphones are used to communicate, cars are used for transportation, etc. Sabi nga ni daddy and hubby, yung mga taong akala mo can't afford, sila pa yung talagang mayayaman.
No. 8: "If you are buying for someone, think as if it is your money that you are spending"
This is more on stewardship pero puwede na rin siguro isama sa pagiging frugal. Kasi di ba, hindi porket hindi sa iyo yung pera, basta basta mo na lang lulustayin.
No. 9: "Always look for an alternative"
Scout, scout, scout first before you buy.
No. 10: "If you pay peanuts, you get monkeys"
Popular itong quote na ito. It just means na not all the time yung pinakamura ang bibilhin. Dapat yung sakto lang or there is a good value for money.
Yan lang so far ang naalala ko. Hindi naman masyadong halata ang impluwensya sa akin ni Papa G ano? Hahaha! I hope you learn something from it too. =)
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