Comments on: 5 Ways to Make Saving Less Painful http://www.frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/ A Financial Freedom Guide for Filipinos Wed, 08 Feb 2012 14:41:58 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: fiona http://www.frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-218 fiona Tue, 23 Nov 2010 07:47:37 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-218 Since 2008, I've been very interested on how to become financially fit. I've been through all those budgeting tools,yet I think,it's hard to stay balanced all the time.There were moments when I would give up such as not writing down expenses daily. But I very well know I'm procrastinating again.It's really hard. Since 2008, I’ve been very interested on how to become financially fit. I’ve been through all those budgeting tools,yet I think,it’s hard to stay balanced all the time.There were moments when I would give up such as not writing down expenses daily. But I very well know I’m procrastinating again.It’s really hard.

]]> By: Celine http://www.frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-217 Celine Mon, 15 Nov 2010 13:19:22 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-217 It's never too late. Of course, the best time to start saving money is when you earn money for the first time. The second best time is *now*. It’s never too late. Of course, the best time to start saving money is when you earn money for the first time. The second best time is *now*.

]]> By: nhis http://www.frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-216 nhis Tue, 09 Nov 2010 07:50:37 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-216 I am working for three years now and i just started my savings this november, I am already 27 years of age, Is it not too late for me? Thank you.. I am working for three years now and i just started my savings this november, I am already 27 years of age, Is it not too late for me? Thank you..

]]> By: john http://www.frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-215 john Tue, 23 Mar 2010 08:14:09 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-215 I found your site today and seems very promising; a lot of good post. It is hard to save money especially if you haven't been use to it during your younger years. For me I always set aside a portion of savings let say 10% or 20% of it minimum and if still got extra I save them also. The only problem with us is that people tend to compare life style with others so savings is getting out of hand. Also try not to move up or increase your standard of leaving just because you get an increment or promotion. This is one of the main reasons why people are not saving up money although their salary is increasing yearly. I mean just think about your salary 5yrs ago and now, if there is huge difference and still you are not saving money then try to think back your life style before and now. Maybe before you cook your lunch at home and bring it to the office while now you always eat outside (chillis or fridays and etc). Less extravagant life style can save up a lot of money. Saving money is not really difficult but balancing things are the hardest. I found your site today and seems very promising; a lot of good post.

It is hard to save money especially if you haven’t been use to it during your younger years. For me I always set aside a portion of savings let say 10% or 20% of it minimum and if still got extra I save them also.

The only problem with us is that people tend to compare life style with others so savings is getting out of hand. Also try not to move up or increase your standard of leaving just because you get an increment or promotion. This is one of the main reasons why people are not saving up money although their salary is increasing yearly. I mean just think about your salary 5yrs ago and now, if there is huge difference and still you are not saving money then try to think back your life style before and now. Maybe before you cook your lunch at home and bring it to the office while now you always eat outside (chillis or fridays and etc).

Less extravagant life style can save up a lot of money.
Saving money is not really difficult but balancing things are the hardest.

]]> By: Celine http://www.frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-214 Celine Wed, 26 Aug 2009 17:44:47 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-214 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://www.frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-213 Bingo Tue, 25 Aug 2009 08:05:22 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-213 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://www.frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-212 Celine Mon, 24 Aug 2009 16:46:49 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-212 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://www.frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-211 Cai Sun, 23 Aug 2009 22:58:38 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-211 "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://www.frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-210 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-210 [...] 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://www.frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-209 Celine Sat, 04 Oct 2008 01:36:55 +0000 http://frugalpinoy.com/saving/5-ways-to-make-saving-less-painful/#comment-209 @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!

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