Comments on: 5 Ways to Make Saving Less Painful http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/ Financial freedom and other money matters for the Average Pinoy Wed, 10 Mar 2010 18:21:12 +0000 http://wordpress.org/?v=2.7.1 hourly 1 By: Celine http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/comment-page-1/#comment-1392 Celine Wed, 26 Aug 2009 17:44:47 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-1392 Congratulations, Bingo :) I, too make it a habit of setting a timeline and actionable steps for my goals. If you want something and you have no plan, it's not a goal, it's just wishful thinking. Do you want to write a guest post about your process? Congratulations, Bingo :) I, too make it a habit of setting a timeline and actionable steps for my goals. If you want something and you have no plan, it’s not a goal, it’s just wishful thinking.

Do you want to write a guest post about your process?

]]> By: Bingo http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/comment-page-1/#comment-1389 Bingo Tue, 25 Aug 2009 08:05:22 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-1389 Good day! Few days ago, I was able to drop by in your column since I am looking for something to share about frugality. Frugal pinoy is indeed realistic for us Filipinos. Anyway, allow me to share some of my practices in saving for the rainy days. Even when I was still a student, I make it sure that I always have timeline in everything that I do even in my personal life. I am an average person but very determined. I obtained my 4-year course as I promised to myself as self-supporting. After I graduated from college, I work in a good company and started to plan -- that is to have my own house & lot at the age of 30. True enough and by God's grace, I was able to achieve it. At present, still I am connected with the company and my goal is to really be out of the rat race in a corporate world. For me to be able to achieve it, I certainly set goals and religiously follow it. I ensure to set a portion for church, emergency fund, savings (retirement), and investment. To be realistic, I set timelines and action plan for me to be able to achieve it. And hopefully, after a year or two, I would be able to run my own business, enjoy my vacation with family, be a blessing to my families and friends, and lastly, to help inspire other Filipinos. And by the way, I am still 31 years of age... =) Good day!

Few days ago, I was able to drop by in your column since I am looking for something to share about frugality. Frugal pinoy is indeed realistic for us Filipinos. Anyway, allow me to share some of my practices in saving for the rainy days.

Even when I was still a student, I make it sure that I always have timeline in everything that I do even in my personal life. I am an average person but very determined. I obtained my 4-year course as I promised to myself as self-supporting. After I graduated from college, I work in a good company and started to plan — that is to have my own house & lot at the age of 30. True enough and by God’s grace, I was able to achieve it. At present, still I am connected with the company and my goal is to really be out of the rat race in a corporate world.

For me to be able to achieve it, I certainly set goals and religiously follow it. I ensure to set a portion for church, emergency fund, savings (retirement), and investment. To be realistic, I set timelines and action plan for me to be able to achieve it. And hopefully, after a year or two, I would be able to run my own business, enjoy my vacation with family, be a blessing to my families and friends, and lastly, to help inspire other Filipinos.

And by the way, I am still 31 years of age… =)

]]> By: Celine http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/comment-page-1/#comment-1384 Celine Mon, 24 Aug 2009 16:46:49 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-1384 Congrats Cai :) That probably makes you ahead of everyone else who just started working. Usually it takes a while before people decide to save their income. Nakakaexcite kasi sa umpisa yung feeling na kumikita ka na. Congrats Cai :) That probably makes you ahead of everyone else who just started working. Usually it takes a while before people decide to save their income. Nakakaexcite kasi sa umpisa yung feeling na kumikita ka na.

]]> By: Cai http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/comment-page-1/#comment-1378 Cai Sun, 23 Aug 2009 22:58:38 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-1378 "it’s something I now look forward to with each paycheck." I agree with this! I will be reaching my first year as a working gal this September and I just started to pay attention with my savings last May. And since then, I look forward to every paycheck because I get excited to save my money! Haha “it’s something I now look forward to with each paycheck.”
I agree with this! I will be reaching my first year as a working gal this September and I just started to pay attention with my savings last May. And since then, I look forward to every paycheck because I get excited to save my money! Haha

]]> By: 5 Reasons why you don’t have any savings » Frugal Pinoy http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/comment-page-1/#comment-1312 5 Reasons why you don’t have any savings » Frugal Pinoy Tue, 14 Jul 2009 04:14:11 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-1312 [...] for you: make it easy. What barriers prevent you from saving money? I’ve written a post about ways to make saving less painful, so you can check that out for more tips. But here are some other [...] [...] for you: make it easy. What barriers prevent you from saving money? I’ve written a post about ways to make saving less painful, so you can check that out for more tips. But here are some other [...]

]]> By: Celine http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/comment-page-1/#comment-416 Celine Sat, 04 Oct 2008 01:36:55 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-416 @Anj: Glad to know you're learning to reward yourself. It's easier to fall off the saving wagon if you deprive yourself all the time of the things you enjoy. @Jamie: It's a good thing you learned how to save from your parents! I wasn't as lucky, but the good thing is that I learned from my mother's mistakes before I made them myself. Congratulations on being able to save and spend wisely! @Anj: Glad to know you’re learning to reward yourself. It’s easier to fall off the saving wagon if you deprive yourself all the time of the things you enjoy.

@Jamie: It’s a good thing you learned how to save from your parents! I wasn’t as lucky, but the good thing is that I learned from my mother’s mistakes before I made them myself. Congratulations on being able to save and spend wisely!

]]> By: jamie http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/comment-page-1/#comment-410 jamie Fri, 03 Oct 2008 16:17:04 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-410 This is a great post. My mother taught us the wisdom of saving for the rainy days. When I was still in elementary school, she would give me my allowance for the week. If I spend it all before the week ends, then I would be going to school with no allowance for the rest of the week. So I learned to control my spending urge. This habit has enabled me to buy a home for my family and secure their future. It's all about savings and spending wisely! This is a great post. My mother taught us the wisdom of saving for the rainy days. When I was still in elementary school, she would give me my allowance for the week. If I spend it all before the week ends, then I would be going to school with no allowance for the rest of the week. So I learned to control my spending urge.

This habit has enabled me to buy a home for my family and secure their future. It’s all about savings and spending wisely!

]]> By: Anj http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/comment-page-1/#comment-406 Anj Thu, 02 Oct 2008 03:33:52 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-406 This post was exactly what I needed to see. I've been feeling bogged down lately coz despite saving regularly, I still feel broke all the time. Since last year, I've been investing in mutual funds, stocks and UITF. But your blog pointed out that rewards are equally important. So treating myself every once in a while is something I'll definitely try to learn to avoid feeling like this constantly. Haha, now I realize I wasn't just being neurotic and that feeling was actually normal. Thanks a lot!!! This post was exactly what I needed to see. I’ve been feeling bogged down lately coz despite saving regularly, I still feel broke all the time. Since last year, I’ve been investing in mutual funds, stocks and UITF. But your blog pointed out that rewards are equally important. So treating myself every once in a while is something I’ll definitely try to learn to avoid feeling like this constantly. Haha, now I realize I wasn’t just being neurotic and that feeling was actually normal. Thanks a lot!!!

]]> By: Celine http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/comment-page-1/#comment-400 Celine Tue, 30 Sep 2008 11:32:47 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-400 @ Adie: Thanks for dropping by and giving Allan some advice :) @ Loida: Good for you that you've developed such a healthy attitude towards saving! Thanks for sharing your story with us :) @ Adie: Thanks for dropping by and giving Allan some advice :)

@ Loida: Good for you that you’ve developed such a healthy attitude towards saving! Thanks for sharing your story with us :)

]]> By: Loida A http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/comment-page-1/#comment-398 Loida A Tue, 30 Sep 2008 01:29:55 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-398 I am 55, with a stable job in government. I am still supporting my daughter because his husband's income is not enough for them. I only started saving last month, in the cooperative of which i am a member since 2001. This is for my retirement age and in case i get sick. I have a can at home which i keep under my bed and where i put 20 pesos a day since January. Every 30th, I open the can and deposit the total amount in my savings deposit, which i can get any time I want. That's 600 a month or 7,200 a year and i will earn 3% interest. I hope I can maintain this habit... I am 55, with a stable job in government. I am still supporting my daughter because his husband’s income is not enough for them. I only started saving last month, in the cooperative of which i am a member since 2001. This is for my retirement age and in case i get sick. I have a can at home which i keep under my bed and where i put 20 pesos a day since January. Every 30th, I open the can and deposit the total amount in my savings deposit, which i can get any time I want. That’s 600 a month or 7,200 a year and i will earn 3% interest. I hope I can maintain this habit…

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