Some Frugal Living Tips

“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.

Continue reading “Some Frugal Living Tips”

Why I Use Loyalty Cards

If there’s one smart living tip I know and apply in my life, it’s using loyalty cards whenever possible. Right now, I have five in my wallet: SM Advantage Card (SMAC), Happy Plus Card, Shakey’s Pizzanatic Supercard, Starbucks Card, and Citibank Cebu Pacific card. I buy and use the products and services of these companies from time to time so I might as well benefit from them. It’s better than nothing.


With SMAC, I normally get 1 point (which is equal to 1 peso) for every P200 spent at SM stores and other partner establishments. I get less than 1 point for every P200 spent at SM supermarkets and I don’t know why. These points accumulate over time. I even get bonus points from PLDT!

Continue reading “Why I Use Loyalty Cards”