Living in a tight budget is not the easiest thing to do, but it can be done. If you find that you overspend every month, here's a list of practical saving tips you can apply to help keep you expenses down.
- Pay cash whenever possible. This will help you from making a purchase unless you have actually have money available. If you decide to make a credit card purchase, be prepared to pay the balance off monthly.
- Bring your own baon. Eating out whether at a restaurant or at the office cafeteria, cost a lot more then bringing your own lunch.
- Cut down unnecessary texts and cellphone calls. Schedule calls that are not time sensitive on Sundays and off peak hours. If you can postpone your call until you get to a land line, then wait.
- Get a piggy bank and pour your change into it on a daily basis. What's important to remember is that saving a peso here and there eventually adds up. Avoid the temptation to splurge a little more just because you don't think it would save that much money. If you can shave off P300 a month from your regular expenses, that amounts to 3,600 a year.
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