“Living frugally allows you to live richly in ways that you choose.” ~Anonymous
2014 turned out to be a very positive and enlightening year for the hubby and me. It was the time when we took our finances more seriously. We started investing directly in the stock market in July and when November came, we opened a UITF account at a local bank.
While modifying our allocations for this month’s budget in my desktop, I thought about sharing some frugal living tips here in the blog. These are practices that the hubby and I try to do consistently to save money and live a simple but fun married life.
1. When withdrawing money from an ATM, I use only the one provided by my bank. This way, I get to avoid paying the P10 to P15 standard charge imposed by other banks to non-clients. Unless it’s an emergency, I practice withdrawing money ahead of time for my own convenience and peace of mind. The hubby, on the other hand, still refuses to accept this smart idea and continues to withdraw money from the nearest ATM whenever he needs cash fast. #galanteproblems
2. Instead of buying new beauty care (read: make-up) and toiletries, I try to finish using the ones I have at home first. This applies to food supplies as well. I just tell myself that my desire to try a new product can wait.
3. I usually don’t order drinks and ask for the service water instead. (When dining out, the hubby delegates the task of ordering the food to me 99% of the time.) This little trick saves us more than a hundred pesos each time. In the long run, I know it would mean more savings from our dining out expenses. On a few occasions that I do order drinks (out of sheer curiosity!), though, I just order one and share it with the hubby.
4. I use our loyalty cards whenever possible. If you haven’t read it yet, I wrote something informative about our loyalty cards before.
5. To keep our food expenses in Bacoor low and to encourage ourselves to eat healthy, the hubby and I buy fresh produce from the wet market. This also doubles as a bonding activity for us. Nowadays, we only go to the supermarket when our canned goods and cleaning supplies are on the verge of running out.
6. Unless we have house guests or it’s really necessary, we schedule our trips to the mall when in Bacoor during weekends. If we go out on Saturday, we stay at home on Sunday and vice versa. Fuel prices are starting to go up again and so every peso counts.
Do you have other frugal living tips in mind? Please let me know in the comment section so I could do them, too. 🙂