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How to Budget money Manage time and Maximize your Money-making experience

How to Budget money, Manage time, and Maximize your Money-making experience

PinoyMoneyTalk Forum is definitely one of the country’s most visited personal finance fora today. And as a regular lurker of the site for years, I happened to read through this interesting list of budget tips, most of them still applicable to thrifty Pinoys and Pinays. This list is writted by a registered user whose handle is pachira. And source link can be found here.

While some items in the list are already outdated, and some funny, some of them are practical and a must =)

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Heto ang mga ginagawa ko ngayon. Lifestyle kasi yan at mindset.
1. Baunin ang tissue ng KFC dahil mas mahal ang Kleenex. Mainam ding pang-wipe ng printer ink na natapon ‘pag nag-refill.

2. Humingi ng madaming catsup ng McDo kahit walang french fries. Masarap ketchup nila. Or magpatakeout kasi parang 2 yrs na ata akong ‘di nagMcDo. Sa trabaho ko, libre merienda.
3. Mangolekta ng flyers para gawing scratch papers ang likod. ‘Yung glossy ay gawing bookmarkers at pangscrap book at pamaypay ng anak ko. At pera-perahan niya (playmoney). Pwede ring pambalot ng regalo. Promote environmentalism!!!
4. Tumawag muna sa lahat ng department store/hardware store/appliance store para magcanvass ng presyo ng mga gamit bago pumunta doon. Tipid sa pamasahe at sa oras. Magpareserve sa pinakamura.
5. Umupa/Kumuha ng bahay malapit sa palengke, simbahan, ospital, bangko, mall, munisipyo.
a.Mura ang tahong, dilis,isda,tuyo,gulay,bigas sa palengke.
b.Walking distance lahat sa akin pati simbahan at ospital.
c. ‘Pag katabi mo ang mall, di ka na maaaddict magmall. As in magkukulong ka na lng siguro tulad ko. Araw-araw mo ba namang madaanan. Nakakasuya ding lagi mong nakikita sila.
d. Tapos ang business permit in 1 day mga January 2 or 3 dapat para walang pila at wala pang extra requirements na maiisip lang nila along the way.. Pero binabayaran ko ‘pag malapit na ang deadline. Wag deadline, sayang oras. Although mas magaling asawa ko. Nagpapareassess hangang more than 50% less na ang babayaran niya.
6.Kontakin lahat ng bangko at itanong ang pinaka magandang time depost rates nila. Isearch sa net pati sa directory.
7.Magcanvass ng mga schools para sa anak ko.
8. Manood ng cooking shows para magkaidea kung paano magluto ng masarap kahit hindi kumain sa labas. Although ‘di ako mahilig magluto. Nagkaka-idea lang ako kung paano papasarapin ang mga normal na pagkain.
9.Magtiramisu kapag mura ang mangga at avocado.
10. Mag icecream pag buy one take one na.
11. Mag-ham after ng Pasko at Bagong Taon. May buy one take one.
12.Huwag bumili ng tuyo kapag malapit na ang Mahal na Araw.
13.Makipagmeet sa National Bookstore kung may ka-meeting at magbasa-basa muna ng mga business books o self-help books.
14.Huwag mimintis sa BIR mahal ang penalty.
15. Hanapin ang balita sa net. Mahal ang dyaryo.
16. Maglakad ng isang kanto para ang 7 pesos na pamasahe sa tricycle ay 6pesos na lang.
17. Turuan ang anak mula 1 yr old pa lang na masama ang hotdog, junkfood at mavetsin sa kanya. So no choice na magtuturo ng kung anu-ano sa supermarket. Chocolates at ice cream lang pwede..hehehe. Na gusto ko rin.
18. I-advance payment ang mga bayad sa iyo kung may negosyo ka na applicable ito. May iba pa ring hindi gagawa nito.
19. Turuang maghugas ng kamay nang tama ang anak. Mahal ang ospital.
20. Maglagay sa mutual fund kapag biglang magkapera na hindi inaasahan at extra money mo lang ito kung iisipin.
21. Huminga ng malalim kapag natetempt bumili ng kung anu-anong bagong damit, gadget, etc.
22. Turuang mag-CR ang anak bago matulog. Mahal ang pampers at magpalaba ng comforter. Mahal din ang bagong kutson.
23. Sumali ng paluwagan at dapat sa unahan para matime deposit ang pera. Yung interes ay part ng panghulog mo.
24.Magkachecking account na may 3.5% interes at gawin mo na lang na savings account. Wala pang problemang pondohan ng pondohan. Sayang pamasahe.
25.Mag-white shirt. ‘Di halata pag nauulit. Kaysa bumili ng de color na grabeng eye-catching ang design. If ever, de color simple lang dapat.
26.Huwag/iwasang mag-smoke o uminom ng alak. Mahal ang yosi at alak. Mahal din ang gamot at oxygen tank.
27.I-check kung namemaintain ang mga deposits sa bangko. Mahal ang penalty. 150 yung sa akin.
28.Maging maingat sa gamit. Mahal ang bags.
29.Labhan ng maayos ang damit. Isampay kaagad. Hindi na kailangang plantsahin. Promise. 5 yrs na akong di nagpaplantsa. Bumili rin ng damit na hindi lukutin.
31.Umattend ng mga free seminars. Lapitan ang guest speaker at magtanong nang magtanong. May mga mababait naman at willing talagang magshare ng ideas nila.
32. Wag tumaya ng lotto. Ang liit-liit ng chance.
33. Maging magalang sa lahat ng tao.
a.Makakadiscount ka sa palengke. May dagdag pa sa suki.
b.Mapapadali ang pag-aayos ng mga dokumento kahit sa BIR or munisipyo pa…magsungit ka…masusungitan ka rin. Umayos ka at matatatakan ang dokumento mo ng hindi oras…hehe.
c. Sa bangko, mabibigyan ka ng reconsideration sa mga rates.
d. Sa grocery, tutulungan kang magbuhat ng pinamili mo.
e. Sa tagaputol ng linya ng tubig (na di mo napansin na deadline na pala, dahil nagbakasyun ka at ‘di nakapagonline banking), hihintayin kang magbayad at babalikan ka na lang to get the OR number.
34.Makipagkaibigan. Marami silang magandang advice.
35.Magbasa ng PMT.Marami kang mapupulot.
36. Magdasal at magpasalamat lagi sa Diyos.
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We’d like to acknowledge the writer “pachira” for the list above.
Can you guys think of more to add? =)

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