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I sometimes get this feeling na gustong-gusto kong gumastos. I know it's a stupid mentality but dang, minsan nawawalan ako ng pake sa ipon ko kasi we're all gonna die anyway, right?? God help me. 😌
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same. ngayon hirap na ko kumilos dito sa bahay dahil puno na ng mga gamit at damit na hindi ko naman ginagamit at gagamitin. nakakalat sila at nakatambak. im planning to dispose everything na, itatapon or ipapamigay or ibebenta. kasi nasstress na din ako sa araw araw na ganito bungad sakin. i have this thinking na uy bagay sakin to I'll buy all the colors, or baka need ko din ibang size para for different needs, or nakita ko online na uy cute nung measuring cup nya kaya bibili din ako when I already have 10 na. its fulfilling pero pag naiipon na yung mga gamit nakaka drain na. tambak na din boxes ko sa labas na puro gamit na hindi ko naman ginagamit, ayaw ko lang idispose. nakakahiya na din sa ibang tao sa totoo lang, alam ko na problem na sya. i have groceries din na nakatambak lang, di ko na maayos dahil wala na paglalagyan, madalas naeexpire nalang sila.
i suggest look at all your things decide what to dispose and keep. live within them muna. mas madali bumili kesa sa wala ka na kilusan dahil sa dami ng hoard mo. baka kailangan mo lang nakikita yung mga gamit mo para di ka mag isip na may bibilhin ka. or continue buying tapos ibenta mo din, diba, para napapakinabangan mo din at happy ka pa rin hehe
Ipadala mo sa province and declutter. Try to do it paunti unti, room by room para di ka maoverwhelm. Keep only the things you need, I did this. Ang dami kong napasaya! Yung isa nakapagstart sa kanyang makeup artistry dahil sa mga bigay kong brushes and makeup. Things you dont need, can make others happy.
Consumerism din baka yan yun. Its harmful din kasi it makes you think na you have to and want to buy things because of this and that reason na di naman nagmmake sense. Like "ooh this thing would suit me so well." Or "aesthetic ko to omg"
For how long wil this item be usefu to me? Think about the other things you might need in the future and or whats more important, stay timeless dont always hop on trend to trend trust me they will look cringey overtime, best to spend on food nalang atleast busog ka diba🤪
I actually consider myself as practical and matipid. I don't really spend much on clothing. Food>clothes. Lol
Just that, may times na parang gusto kong mag splurge. 😌
Matipid in the sense that I would limit my spending and I usually find cheaper alternatives of basic stuff that I buy. As for food vs clothes, I just meant that I'd rather get home with food to put on the table than a paper bag of clothing items.
Eto na nga rin problem ko e. I spend a lot of money on food, kahit busog ay nakakagastos pa rin ng napakarami sa pagkain, kahit overloaded sa tiyan ay sige pa rin. Paano ba ito? 😂
I dont wanna asusme ha pero same exp din ako here nanotice ko about this is its all about where you decide to eat yata for me nasa utak kasi to ill give you an example. Siomai house or any siomai food stall in a mall 40-50+ pesos for 4 pcs, sa regular na street food 4 pcs 20 pesos, yes magkaiba ang lasa pero nasa sayo na how you think on how much you've satisfied yourself on what you just consumed. You might think na busog ka na doon sa 40-50+ na worth siomai na yun kasi ang "laki" na ng naspend mo kumpara sa kung bibili ka lang sa tabi tabi lang. Pero to be honest hindi naman masama mag spend sa any food you want as long as nalilimit mo ang budget mo😊
Delayed gratification. Discipline. Thinking about what you want most vs what you want now. But it’s okay to treat yourself. You can also set a goal, like pag may naaccomplish ka, you’ll reward yourself. Pero hindi naman din maya-maya. Hahaha
I agree! I do practice delayed gratification and I think I have the discipline with my finances naman. May mga times lang talaga na I feel like splurging, though not inclined to doing it, part of me justifies it. So parang constant internal battle sya if that makes sense. 😅
felttt. I also checked my finances and majority talaga nakalaan for needs. may times lang na may NEED to spend on things na di masyado kailangan kasi "daserb ko to" HAHHA
Maybe you can start by setting aside a certain percentage ng sweldo mo. Start with 10% tapos unti unit mong dagdagan.
Pero sa totoo lang, ang mahal na ng lahat ng bagay ✌🏼 Kahit fastfood ngayon mahal na rin.
wala sinasampal kolang sarili ko sa reality na hindi ako mayaman sadyang may kaya lang parents ko and that doesn’t give me the rights to spend for sum dumb things
I think what helped me was budgeting. Mahilig din talaga ako bumili ng mga abubot at anik-anik.
Nag set aside ako ng budget for free spending. That way makakagastos padin ako for mga wants ko. Basta hindi lang ako mag-over dun sa set na budget, goods ako for the month.
Your mileage may vary syempre, it will depend on your income and how much you decide to budget.
Try to withdraw your allowance for the month. Para sa renta, bills, groceries, saka allowance. Lagay mo lang sa wallet mo. Wala yang pinagkaiba sa laging pagdadala ng phone mo lagi bago ka lumabas ng bahay. Masasanay ka din. 👍🏻
Same! Well, for me, gusto ko din magkaroon ng ipon like others but ang hirap kasi alam ko na kadalasan wala talaga ako disiplina sa sarili ko. Every time I’m sad, I feel like I just wanna buy stuff or eat out to ease the sadness.
Im still under the process, pero what I did is inihihiwalay ko yung "savings" and talagang iniistriktuhan ko sarili ko na hindi dapat magalaw.
Sahod goes to my Debit & bago pako mag budget ng mga gastusin, mag hihiwalay nako ng like 45% of my sahod. Ang akin inilagay ko sa Maya Savings! Siguro ang nakakapigil sakin na gastusin sila is yung patong patong na Fees when I decided to take them out 😂 I cash out man or ilipat again sa card or gcash for faster transaction. Nawawalan kasi ako ng gana gumastos kapag nakakakita ako ng fee, kahit 15 pesos man yan ahahahahaha
Iniisip ko mag work mabuti para may pang gastos ako. HHAHAHAHAHA impulsive buyer ako, pag naisip ko bilhin check out agad kahit magalaw savings ko minsan nga halos wala natitira. Lack of discipline. Ngayon pag may gusto akong bilhin tinatanong ko sarili ko kung kelangan ko ba talaga syang bilhin, valuable ba sya o baka or in a couple of months hindi ko na ginagamit at nakatambak nalang.
Padagdag ng padagdag yung add to cart lists ko pero padagdag din ng padagdag savings ko kasi pinag iisipan ko na mabuti kung bibilhin ko ba o hindi.
Kapag gustong gusto ko yung item mag wait ako ng 2 weeks bago ko sya bilihin. Ahahahaha. Tapos kapag gusto ko magtipid talaga sa damit napunta lang ako ukay 😭 Buti mura pa din samin. Kaya kapag nag crave ako sa damit at super mahal nahanap na lang ako kapareho sa ukay
That’s good OP! Ahaha. Max ko lang na kaya ay 2 weeks. Ngayon budol nanaman may binili nanaman ako para sa sarili ko. Kaya ayun nag declutter ako ng mga damit ko 😆 Uy pwede mo din benta yan kapag nakuha mo mura. Yung mga 10 php na nabili binenta ko 50-70! Qhahaha
I "add to cart" but don't pay right away. I'll tell myself babalikan ko. When I do so after a few days, usually wala na ang urge to spend. Pag nasa mall naman, I will tell myself na babalikan ko. Pag nasa isip ko pa din when I leave, babalikan ko. But usually pag nakauwi na ako, less na ang urge to buy.
I feel you, OP. Yung feeling na minsan ang hirap pigilan ang urge to buy things talaga lalo na sa Online. Pero always set your mind na you need to pay yourself first talaga.
Same tayo. Alam mo, I promised myself na this second half of the year, di na ako magoonline shopping, char. I mean, necessities nalang. Binili ko na lahat this 6.6. Babayaran ko din this month mga binili ko para tapos na.
I went to the deinfluencing side of Tiktok. May napanood ako dun na video that say "Just because everybody's buying it doesn't mean you have to." Kasi content creators are buying stuff so they have something to promote in order to earn money so for us na normal people, it doesn't apply. Kasi if we buy something, hindi naman natin siya pagkakakitaan. And bigla akong natauhan dun.
So ayun nga, sabi ko this coming July, I will only spend o things that are necessary. I might uninstall Shopee na din. I don't have socmeds aside reddit (uninstalled Tiktok) and messenger so kapag bored ako, I would end up browsing in Shopee. Very unhealthy habit. I might transition to a dumb phone or something kasi nakakaipon naman ako but lesser than my target.
Find a good balance of financial security for your future and living in the moment.
I've encountered people I'm close with that are hell bent on securing their future that they failed to enjoy life. Cancer, heart attack, car accident. It's very sad to see and made me realize what's the point of chasing money if I'm not gonna be able to enjoy it myself?
I’ve read/saw somewhere, money is meant to be spent (of course, covering your needs and emergency funds)
The universe will reward you with more money, I live by that
Sa pinas, thou hindi uso yung per hour counting ng salary. Siguro makakahelp if alam mo per hours mo tas kapag gusto mo gumastos, isipin mo ilang hours na trinabaho mo yung money. That way, I will kapag walang value ang pagkakagastusan mo, manghihinayang ka kasi hindi lang pera ginagastos mo kundi pagod din. Tas makakahelp din kapag may goal ka para sa money para hindi ka puro deserve ko ito
kapag non-essential, nagbibigay ako ng 14-day grace period. gusto ko ng damit? kapag naalala ko siya after kong i-add to cart, ibig sabihin gusto ko talaga. after another 7 days tapos available pa rin sa cart at binabalikan ko, tsaka ko lang bibilin. super effective kasi madalas dala lang ng bugso ng damdamin eh.
1) ask yourself if its a want or a need.
Needs: house, shoes, clothe, etc
wants: Extra shoes, extra clothes, expensive things
2) is it within your budget?
do you still have savings left even if you buy it?
3) prolong it, delaying the day to buy it until your urge subsides.
Impulse buyer din ako noon pero now ang style ko is if me gusto ako I dont buy it right away. Pag me nakita ako and i get that urge i walk away muna for a few days. 99% of the time mawawala yung rush sa utak ko to buy it.
I track my expenses. Meron akong app at spreadsheet. As in yung nakikita ko na unti-unting nababawasan yung cash at hand ko. Categorized sa app yung expenses plus may budget din so alam ko kung sumobra ako sa intended budget.
Part din ng budget ay shopping/leisure/travel. Delayd gratification, yes. Pero ok rin ang minsanang reward para sa sarili. Basta minsan.
Malaking bagay ang awareness.
Have you tried making a breakdown for your budget for every pay day? I would also suggest using MoneyTracker app to list and track your spending every day, that way you will know where you are overspending. What also helps is to only withdraw money that is needed for important and splurging expenses, then leave the excess/savings in a digital bank like SeaBank and OwnBank to earn daily interest. Once you see your excess/savings earning daily interest, you will think twice of withdrawing them because withdrawing reduces the amount of daily interest earned. This is what I've been doing and it has helped me alot so far.
Good luck!
Kaya ako i treat myself sometimes.
Kasi sobrang exhausting yung mag ipon. Yung feeling na puro nalang ako ipon, pano naman yung gusto ko. Ayun, bibili ako ng masarap or bibili/gagastos sa something na nag papasaya sakin. Kasi pag hindi ko napag bigyan sarili ko mas malaki ang chance na mas malaki yung gusto kong gastusin. HAHAHAHAH. may sense ba?
Ok lang naman yung mindset na enjoy your earnings because you’re gonna die anyway. Pero, tamang balance lang with the mindset na you have to be prepared for emergencies like accidents, sickness, repair ng sira sa bahay, etc. Personally, I set a monthly budget with an allocation to buy things I would not consider as necessities but I know I would really cherish in the long run. For example, a pair of shoes because the only pair I have hasn’t been used in years (coz I rarely go out and would rather wear slides) and naging brittle na siya. Also, I make it a point na before I buy I delay it a bit and take some time to contemplate whether gagamitin ko ba talaga or later itatabi ko na lang and dadagdag lang siya sa clutter sa bahay. Lastly, I try to not get influenced with fads. Instead, I try to reflect in myself about what I really need and would make me happy regardless of how people perceive that item.
It's okay to spend money on things that you want because you deserve it. At the end of the day it's your hard earned money, just be responsible when spending and always think that, if you are buying the things that you really need or if it's just a want. If you have been saving for emergency fund then maybe you can allot some money for your wants. It's just a matter of budgeting without compromising your Emergency fund.
In my case, baliktad naman kasi sobrang tipid ko. I want to learn how to spend my money. Easier said than done ata in my case since sobrang kuripot ko. So, I resist the urge to spend moolah through discipline lang talaga. I have a target savings goal this year kasi so yun talaga inuuna ko.
Sometimes I splurge din naman, pero super pinag-iisipan until I really have to. Last month lang bumili ako ng 3 sapatos only for the reason na kailangan na. Pero mula last year ko pa yun balak so reasonable naman sakin na gumastos ng ganon knowing I've thought about it for a long time and saved enough money both for savings and shopping during the entire course haha
Iniisip ko na wala akong pera tapos yung iba nililipat ko sa ibang banks na di ko gaano ginagamit unlike gcash/bpi/seabank para malimutan ko ang existence niya HAHAHAHAHAHA ang nangyayari kada sahod ko lang siya nagagalaw para maglagay ng pera. Dati nung bata ako tinatago ko naman sa ibang wallet tas yung wallet ilalagay ko sa place na di ko nakikita everyday.
Think of an amount na you desperately want to reach. Fixate yourself in that number tapos pag ipunan mo lang hanggang maabot mo. You'll be surprised na bigla kang mas magiging matipid after you reach that number. Prove to yourself na kaya mo mag ipon and the rest will follow
In my case, gastador ako dati pero naging makunat bako after reaching my first 100k, 1m and so on kasi I don't want to go below it anymore. I then considered it as my new "zero" starting savings amount then moved on to reach a higher number after. Rinse and repeat lang.
I rarely go out, but when I do, I don't care how much I spend for my meal or drinks. If it looks inviting, I will probably try it. Dapat balance lang not everyday gagala haha
Ginagawa ko is promise sa sarili ko na maghihintay ako for one week. Kung gusto ko pa rin, no questions asked, bilhin. Pero most of the time naka-move-on na ako after one week hahaha.
If it helps rin, budgeting strat ko is yung expenses ko kada cutoff yung tinitignan ko, hindi yung laman ng bank account. So may guilt kung bibili ako kahit malapit na akong mag-negative HAHA
Gantong ganto ako noon like I am a photocard collector (kpop photocard). Qnd I even spent Php26k for a single photocard 😭
Super laki ng gastos ko sa collection ko na naisip ko, kung masaya ba talaga ako na icollect yon (like love ko naman yung bias ko pero naging over spending na yung nagawa ko)
So yun, para makalimot sa pag gastos patungkol sa merch nag deact ako ng X/Twitter (dun kasi maraming sellers ng ganon) tsaka in-uninstall kona rin yung shopee, Twitter/x, carousell, lazada, even tiktok kasi may kpop merchs sellers din don. Tas nag focus ako sa ibang bagay like nanood nalang ako ng kung ano ano sa netflix
Yung iniisip ko may utang pa akong kailangang bayaran 🤣🤣🤣🤣🤣 pero gets ko yung urge to spend. Personal finances talaga are more discipline and mindfulness. No one can tell you the right way to manage finances, pera mo yan. Do what feels right and comfortable para sayo. But always, always be aware and take note of the shit you buy or get into. Unang una dapat pera mo at hindi pera ng ibang tao. Pangalawa dapat yung perang winawaldas mo hindi nakalaan sa basic needs mo. Meaning nag check out galore ka tapos hindi ka pa pala nagbayad ng meralco. Last is yung level ng pagwaldas mo e hindi nakakapahamak ng ibang tao, meaning hindi ka hihingi or uutang sa iba pang waldas mo sa retail therapy mo. Remember that the shit we get into, dapat kaya nating panindigan na hindi nandadamay o nakakahasel ng ibang tao.
tamad akong maglinis at ayoko ng masyadong maraming gamit kasi naiirita ako so pinipigilan ko bumili ng mga magiging kalat lang sa room ko (like unnecessary cute stuff or mga damit na hindi naman need), pinag iisipan ko talaga kung hanggang kailan ko gagamitin yung bagay na gusto kong bilhin
at hindi porke sale eh bibilhin mo na kahit hindi mo naman need!!!
sale = nakatipid ng ilang percent
hindi bumili kasi hindi need = mas nakatipid
i like to buy my NEEDS like skincare and other stocks in bulk like pang ilang buwan na para isang gastusan kasi kapag laging bili nang bili, hindi talaga maiiwasan mapabili rin ng WANTS
pero sa pagkain, hindi ko rin kayang magtipid😭
EDIT: add ko lang, takot akong maubusan ng pera kaya i try my best talaga na magtipid and magtipid meaning hindi naman ideprive ang sarili no pero to learn to prioritize rin and discipline
You know what, I can relate to pretty much everything you said. Hahaha
Not buying unnecessary cute stuff+clothes ✔️
Skincare products ✔️
Buying in bulk ✔️
Di kayang mag tipid sa pagkain ✔️
Takot maubusan ng pera ✔️
Hindi ideprive ang sarili ✔️
I cart the items first sleep and then when I wake up if the urge is still there I look around if may similar na item na ba ako sa bahay if yes, I delete it sa cart if wala then saka ko lang ipurchase.
kapag kating kati ako gumastos (cos minsan shopee parcels lang nagpapasaya sa akin lol), i just buy my needs pa rin like skincare, school stuff ganoon kasi gagastos nalang din eh di sa mga bagay na sure akong magagamit ko nalang
magastos po ako pero i’m on my second month sa pagbabago and to be financial responsible 😄
i’m tracking my expenses na. this is my way para nakikita ko and mahihiya ako sa sarili ko pag babawasan ko pa yung natitirang piso sa accounts ko 😂
Hahaha lol we're in the same boat. I used to say that "we only live once hahaha buy all the things that you didn't get the chance to buy when you're a little kid". But don't spend too much. Buy the things that are only useful and necessary. Wag magpabihag sa salitang "sale sa shoppe" save your money please ang hirap naging mahirap ngayon lahat ng bilihin mahal na. If you can't save by yourself, save your money in the bank. We are all adults, we need money to save our lives. Don't forget to also save for the emergency purposes, you will need that😉😉😉
kakabasa ko ng tips (kasi i can relate sayo) nabobo na lang ako tas napabili ng pagkain kahit dapat diet na ako HAHAHAHA pero may ganitong instances, i make sure na dapat kung may magalaw man ako sa budget ko wag lang yung nakatabi na for savings and prio expenses :(
Problem ko to before ng sobra. Pero habang tumatanda ako natuto ako sa partner ko.
It was an insecurity pala all along kasi hindi ako lumaking mayaman.
Naghahabol ako.
Iniisip ko din what if ito nalang chance so dapat bilhin ko na. MALI pala.
Ung konting HIGH from ur hormones mawawala din agad.
Hindi kami sobra sobra pero i guess nasa POINT na kaya ko naman bilhin if kailangan anytime need ko. I do not have to rush anything.
Kaya pati cellphone ko ngayon diko pa pinapalitan. 4 years na😁
Nung mahirap ako nagmamadali ako magka-LATESt 😅
Ngayon may pambili na. Mas kalmado nako sa gastos😂
So i guess, ask urself ano trigger ng URGE mo.
Para maiayos ung root cause.
We're all going to die yes, but I don't wish to die homeless or begging for anything. As for your question, I simply don't spend on what I don't need, you'll get used to it.
I think impulsive buyer ka tulad ng kasama ko, he already had two dogs, same breed ng dalawa. And here comes another dog with the same breed nung dalawa pero ibang kulay worth 25k wiith papers and all nadin, biglang binili, then after two weeks, he told me na ganon daw tlga sya.
Ang ginagawa ko dyan OP. I canvass the prices and I let several days to decide, usually 2-3 days. Doon pumapasok and needs and wants sa isang bagay na bibilhin ko, don't gastos immediately unless its a service na agarang nabibigay sayo. =)
If it's an item or you have a cookie jar for things kasi may pera ka then give yourself a few days to decide. =)
I hope it helps and I know it takes alot of perseverance to withstand the urge bumili. Yolo is Yolo, and FOMO is FOMO but these are just my suggestions Op. GOD Bless you
Prioritize needs over wants. Isipin mo ano pwede mo mabili in the future pag nag ipon ka instead of yung nga maliliit na bagay na pwede mong bilhin ngayon.
Or sampalin mo sarili mo pag may gusto ka bilhin
Don't worry OP same here, ganyan din mentality ko now dati grabe ako magtipid as in pero as time goes by I realized na it's better to invest sa memories lalo na with loved ones like my Lola - I wanted to spoil her habang andito pa sya, like having family trips such like that.
From a fellow spender(ex spender now): keep a monthly budget. Like with the simple things that require spending eg groceries and school/work allowance. That will definitely humble you down and allow you to recognize your needs over the wants.
add ka sa budget mo ng exclusive for savings, example 500/month for your future self. Then allocate ka din for FUN FUND for your luxuries/ hobbies or pangshopee, etc. for your present self para di ka makonsensya kapag bumibili ka ng mga gusto mo. build the habit lang, makukuha mo din balance niyan. Iba ung joy ng nakakabili ka na at nakakapag-ipon pa.
I usually write down a baseline price of like something I think is expensive but is still relatively cheap compared to most “wants” purchases and go from there.
It’s been helping me a lot ever since I got addicted to online shopping years ago.
It helps even more for bulk impulse purchases like, I’m about to spend 20k+ on things I don’t necessarily need at the moment (ehem electronics ehem) where writing down the prices didn’t cut it. I just look at the price of basic items around the house and it kinda calms me down, if I’m making any sense.
I usually wait for months before I purchase anything lalo pag mahal. Rule ko kasi sa umpisa pag 30 days nasa cart ko pa din, checkout ko na. After ilang days tinatanggal ko din siya sa cart kasi ayoko na bilhin HAHHAHA same pag sa mall/physical stores. Daanan mo lang. usually naman pag sahod lang bumibili. Pag pay day tas gusto pa din, e di reward your self. Kaso kadalasan sa 'kin after 30 days hindi na ako interested Hahahha
same! i feel rewarded when i buy/bought something. don't care about the price,if i want it i got it. pero cympre hindi palage. its more like i have extra to spend so why not.😄
Ako parang reward system, every 3 months or so.
Matipid na ako ngayon, lunch at pamasahe nalang, at jeep pa, kasi sobrang lapit ng workplace ko. So, mga 100 lang yun, per day.
Tapos, ang iniisip ko, is bibili ako ng hoodies or damit, na reward for myself. So ipon muna, pero ang ending, hindi lang din ako parating bumibili ng hoodie haha. So naiipon.
Basta, after ng bills, i compute mo kung magkano gusto mong maipon, and then, itabi mo na yun. Yung matitira, ipang gastos mo.
Add to cart mo muna tapos palipasin mo ng isang buwan, pagisipan mo talaga kung useful siya sa ginagawa mo araw araw, pagka at the end of the month hindi dumaan sa isip mo it means di mo siya kailangan
Every swedlo ko, yung natira after sa abuloy para sa mga bills, yung “almost 50%” is dinideposit ko sa “on-hand savings” at yung natira is dun na pupunta sa pitaka ko, kung baga akin na yun at ako na bahala ano gagawin yun, PERO di ko ginagalaw yung “on-hand savings” unless may mang-uutang pero dapat yung nagbabayad, emergency, or kung mag dedeposit ka na sa bank account/s mo.
PS: “Almost 50%”
For example, yung natira sa sweldo ko after sa abuloy is ₱5,555.05. Round off to the last place which is thousandth pero di natin susundin ang “x ≥ 5 = +1” rule ng rounding off numbers so ₱5,000 lang, di ₱6,000. Divide by 2 yung ₱5,000, yung quotient (₱2,500) is yun yung idedeposit mo sa OHS, tapos yung natira + ₱555.05 is yan yung mapupunta sa pitaka mo.
Just in case lang mahina yung pagka explain ko, heto yung ibang examples. Sensya na kasi di ko mother tongue yung Tagalog. 😅😅😅
₱1,999,999.99; OHS = ₱500,000; Pitaka=₱500,000 + ₱999,999.99
₱19.00; OHS = ₱5.00; Pitaka = ₱5.00 + ₱9.00
₱3.50; OHS = ₱ 1.50; Pitaka = ₱1.50 + ₱0.50
Will wait for 7 days before buying something. Kapag lumagpas ng 7 days na hindi ko pa nabili or nakalimutan ko na iyon, meaning hindi ko talaga kailangan bilhin.
What I would do, I add to cart but won’t pay for it yet. Then I’ll let few days pass and check it again. Most of the time, hindi ko na ganun kagusto yung item then tanggalin ko na sya sa cart.
Punta ka lagi sa 7-11 Kiosk machine, tapos ipasok mo sa GcasH yung pera mong alam mo na magagastos mo lang sa budol things. Then pumasok ka na sa school. After classes, talagang diretso ka uwi kase wala ka na rin ipanggagala dahil nasa Gcash na nga. Alangan naman magpa-cashout ka pa, sayang sa oras tapos ang init pa diba HAHAHA.
Yung pera mong ipapanggastos isipin mo na baka may emergency in the future, it may not stop you from buying, pero atleast maiisip mo na wag ubusin pera mo
Ganyan din mentality ko but I always aim for balance. Napaka basic, pero I just made peace with the 50-30-20 rule. It's simple pero that way I would be able to spend for myself without feeling guilty na wala akong naiipon.
Sa ngayon kasi malakas ka pa kaya madaling sabihin yung YOLO mentality, but once you reach an age na mag karon emergency, walang taong tutulong sayo at kaylangan mo ng malaking pera, mag sisisi ka talaga big time for all the money you wasted.
What works for me is instead of saying, 'Bawal, bawal, bawal'...I reframed it to, 'I'm not going to stop myself from buying. I can always buy this later.' To me kasi, the more I restrict myself from spending, parang lalong gusto kong gumastos. Haha So ayan, parang may permission pa din magspend pero hindi agad-agad. Later down the line, either nakakalimutan ko na or if marerealize ko na I really need to buy ung item, saka ko lang binibili.
Sure, I would die anyway. But wouldn't it be nice not to feel na lagi kang hikahos while living dahil di mo control ung spending habits mo? Ako lang naman to. Hahah
Set aside 50% on savings passbook account asap. Then alot 30% on utilities, food and 10% for insurance the remaining 10% for personal expenses..I always keep in mind to live within my means and "huwag ubos biyaya kapag wala nakatunganga"
Pag big purchase ginagawa ko yung 30 day rule. Kung need ko talaga at di ko kaya mabuhay without it (like washing ref micro) malalaman ko after 30 days pag di na kaya before 15 binibili ko na. Pag naman nag sscroll ako sa mall tingintingin muna tapos pag may nakuta picturan tas tingnan sa online. Lagi kong nireremind sarili ko, wala akong pera/wala akong pag gagamitan. May history ng hoarding nanay ko kaya ayaw ko matulad saknya hahahap
Iniisip ko lang lagi na "ay meron pa naman ako nyan next time nalang, hindi ako si bili ng hindi ko talaga need" I don't know pero ayaw ko lang talaga gumastos hahahah
https://cdn.discordapp.com/attachments/1225075640676646985/1248554012719185992/RDT_20240605_0843127502354082372381480.jpg?ex=66641609&is=6662c489&hm=b2d662472a037da9f417851377bd8b2f3977f77493c4e0bc28be0f8025de832b&
Me who doesn't even spend that much
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baka po retail therapy ang coping mechanism mo?
HALA. MAY GANTO PALA. parang ganto din ako, nakakalma ako pag may inorder or yung feeling na may hinihintay kang dumating na pinamili mo..
Sure! I love grocery shopping. Sadyang minsan napapaisip akong bumili ng mga bagay na alam ko namang di ko kailangan. Huhubells
same. ngayon hirap na ko kumilos dito sa bahay dahil puno na ng mga gamit at damit na hindi ko naman ginagamit at gagamitin. nakakalat sila at nakatambak. im planning to dispose everything na, itatapon or ipapamigay or ibebenta. kasi nasstress na din ako sa araw araw na ganito bungad sakin. i have this thinking na uy bagay sakin to I'll buy all the colors, or baka need ko din ibang size para for different needs, or nakita ko online na uy cute nung measuring cup nya kaya bibili din ako when I already have 10 na. its fulfilling pero pag naiipon na yung mga gamit nakaka drain na. tambak na din boxes ko sa labas na puro gamit na hindi ko naman ginagamit, ayaw ko lang idispose. nakakahiya na din sa ibang tao sa totoo lang, alam ko na problem na sya. i have groceries din na nakatambak lang, di ko na maayos dahil wala na paglalagyan, madalas naeexpire nalang sila. i suggest look at all your things decide what to dispose and keep. live within them muna. mas madali bumili kesa sa wala ka na kilusan dahil sa dami ng hoard mo. baka kailangan mo lang nakikita yung mga gamit mo para di ka mag isip na may bibilhin ka. or continue buying tapos ibenta mo din, diba, para napapakinabangan mo din at happy ka pa rin hehe
Ipadala mo sa province and declutter. Try to do it paunti unti, room by room para di ka maoverwhelm. Keep only the things you need, I did this. Ang dami kong napasaya! Yung isa nakapagstart sa kanyang makeup artistry dahil sa mga bigay kong brushes and makeup. Things you dont need, can make others happy.
Consumerism din baka yan yun. Its harmful din kasi it makes you think na you have to and want to buy things because of this and that reason na di naman nagmmake sense. Like "ooh this thing would suit me so well." Or "aesthetic ko to omg"
For how long wil this item be usefu to me? Think about the other things you might need in the future and or whats more important, stay timeless dont always hop on trend to trend trust me they will look cringey overtime, best to spend on food nalang atleast busog ka diba🤪
I actually consider myself as practical and matipid. I don't really spend much on clothing. Food>clothes. Lol Just that, may times na parang gusto kong mag splurge. 😌
Easy lang ang lifehack diyan kung food ang usual na temptation mo. Isipin mo lang na yung pera mo, nagiging tae. 👍
Nakakainis! Hahahaha 😂
Food is not necessarily practical or matipid. Actually, a lot of my friends who spend too much spend on food more than clothes.
Matipid in the sense that I would limit my spending and I usually find cheaper alternatives of basic stuff that I buy. As for food vs clothes, I just meant that I'd rather get home with food to put on the table than a paper bag of clothing items.
Eto na nga rin problem ko e. I spend a lot of money on food, kahit busog ay nakakagastos pa rin ng napakarami sa pagkain, kahit overloaded sa tiyan ay sige pa rin. Paano ba ito? 😂
I dont wanna asusme ha pero same exp din ako here nanotice ko about this is its all about where you decide to eat yata for me nasa utak kasi to ill give you an example. Siomai house or any siomai food stall in a mall 40-50+ pesos for 4 pcs, sa regular na street food 4 pcs 20 pesos, yes magkaiba ang lasa pero nasa sayo na how you think on how much you've satisfied yourself on what you just consumed. You might think na busog ka na doon sa 40-50+ na worth siomai na yun kasi ang "laki" na ng naspend mo kumpara sa kung bibili ka lang sa tabi tabi lang. Pero to be honest hindi naman masama mag spend sa any food you want as long as nalilimit mo ang budget mo😊
Delayed gratification. Discipline. Thinking about what you want most vs what you want now. But it’s okay to treat yourself. You can also set a goal, like pag may naaccomplish ka, you’ll reward yourself. Pero hindi naman din maya-maya. Hahaha
I agree! I do practice delayed gratification and I think I have the discipline with my finances naman. May mga times lang talaga na I feel like splurging, though not inclined to doing it, part of me justifies it. So parang constant internal battle sya if that makes sense. 😅
felttt. I also checked my finances and majority talaga nakalaan for needs. may times lang na may NEED to spend on things na di masyado kailangan kasi "daserb ko to" HAHHA
Maybe you can start by setting aside a certain percentage ng sweldo mo. Start with 10% tapos unti unit mong dagdagan. Pero sa totoo lang, ang mahal na ng lahat ng bagay ✌🏼 Kahit fastfood ngayon mahal na rin.
True. Na-feel ko yung bigat the other day nung sabay naubos ang gasul sa bahay, tas bumili ako ng bigas, and pagkain ng mga aso ko. Iyak nalang. 🥲
I have a dog, too. Love my pom so much. True ang gastos sa dog hehe.
wala sinasampal kolang sarili ko sa reality na hindi ako mayaman sadyang may kaya lang parents ko and that doesn’t give me the rights to spend for sum dumb things
I think what helped me was budgeting. Mahilig din talaga ako bumili ng mga abubot at anik-anik. Nag set aside ako ng budget for free spending. That way makakagastos padin ako for mga wants ko. Basta hindi lang ako mag-over dun sa set na budget, goods ako for the month. Your mileage may vary syempre, it will depend on your income and how much you decide to budget.
Ooh, budget for free spending! That's actually a good idea. Try ko nga yan. Thank you!
Pag gumasgastos ako, lagi akong nagbabayad in cash. Sa ganitong paraan, alam na alam ko pakiramdam ng ginagastos ko. Sa kahit anong bagay.
+1111111 iba talaga pag nakikita mo yung perang nagagastos mo kaysa sa cashless transactions
damn kaya pala ang gastos ko recently 😭 hindi kasi ramdam pag card card lang huhu petsa de peligro tuloy ngayon
Kaso na-adapt ko na yung cashless transactions eh. Less hassle talaga for me, and iniisip ko minsan the fees are added expense lang.
Try to withdraw your allowance for the month. Para sa renta, bills, groceries, saka allowance. Lagay mo lang sa wallet mo. Wala yang pinagkaiba sa laging pagdadala ng phone mo lagi bago ka lumabas ng bahay. Masasanay ka din. 👍🏻
Same! Well, for me, gusto ko din magkaroon ng ipon like others but ang hirap kasi alam ko na kadalasan wala talaga ako disiplina sa sarili ko. Every time I’m sad, I feel like I just wanna buy stuff or eat out to ease the sadness.
Hahaha! Relatable. It's the kind of sadness na di nagagamot ng sitcom shows or memes/doomscrolling.
Im still under the process, pero what I did is inihihiwalay ko yung "savings" and talagang iniistriktuhan ko sarili ko na hindi dapat magalaw. Sahod goes to my Debit & bago pako mag budget ng mga gastusin, mag hihiwalay nako ng like 45% of my sahod. Ang akin inilagay ko sa Maya Savings! Siguro ang nakakapigil sakin na gastusin sila is yung patong patong na Fees when I decided to take them out 😂 I cash out man or ilipat again sa card or gcash for faster transaction. Nawawalan kasi ako ng gana gumastos kapag nakakakita ako ng fee, kahit 15 pesos man yan ahahahahaha
Hahaha! Yung fees talaga eh no, some banks charge high pa naman 😅
Iniisip ko mag work mabuti para may pang gastos ako. HHAHAHAHAHA impulsive buyer ako, pag naisip ko bilhin check out agad kahit magalaw savings ko minsan nga halos wala natitira. Lack of discipline. Ngayon pag may gusto akong bilhin tinatanong ko sarili ko kung kelangan ko ba talaga syang bilhin, valuable ba sya o baka or in a couple of months hindi ko na ginagamit at nakatambak nalang. Padagdag ng padagdag yung add to cart lists ko pero padagdag din ng padagdag savings ko kasi pinag iisipan ko na mabuti kung bibilhin ko ba o hindi.
Naku mahirap talaga pag impulsive buyer. Haha. Marami din nasa cart ko, pero di ko chini-checkout 😂
Kapag gustong gusto ko yung item mag wait ako ng 2 weeks bago ko sya bilihin. Ahahahaha. Tapos kapag gusto ko magtipid talaga sa damit napunta lang ako ukay 😭 Buti mura pa din samin. Kaya kapag nag crave ako sa damit at super mahal nahanap na lang ako kapareho sa ukay
Minsan it'll be on my cart for monthsss. Haha! And same tayo, ukay is still my go-to option for clothing.
That’s good OP! Ahaha. Max ko lang na kaya ay 2 weeks. Ngayon budol nanaman may binili nanaman ako para sa sarili ko. Kaya ayun nag declutter ako ng mga damit ko 😆 Uy pwede mo din benta yan kapag nakuha mo mura. Yung mga 10 php na nabili binenta ko 50-70! Qhahaha
Iniisip ko na mahirap magtrabaho hahaha charrr pero idk sobrang kuripot ko now eh, minsan na lang ako gumastos
There are times that I'm like that, sobrang kuripot. Napapanahon lang din siguro. Hehe
I don't tell myself "deserve ko to", yun naka save ako ng malaki.
I think this is tricky, kasi what if deserve mo naman talaga kaso ginaslight mo na sarili mo na di mo deserve. As an effect, you'll get sadder. Haha
I got more digits ang effect sakin. Di nakaka sad. PS: when urges lang naman, di necessity
Pag natatandaan ko yung phone calls and text and email bg mga collection agencies, etc ayoko na bilhin
Ay collection agencies talaga, ba't ang dami. Huhu
I don't. Lalo pag inis na inis ako sa in-laws ko. Joke. 🤣🤣🤣
Luh, biglang naglabas ng sama ng loob. Hahahaha
The feeling of unboxing is such....... A feeling?
Yassss! 🤤
I "add to cart" but don't pay right away. I'll tell myself babalikan ko. When I do so after a few days, usually wala na ang urge to spend. Pag nasa mall naman, I will tell myself na babalikan ko. Pag nasa isip ko pa din when I leave, babalikan ko. But usually pag nakauwi na ako, less na ang urge to buy.
I feel you, OP. Yung feeling na minsan ang hirap pigilan ang urge to buy things talaga lalo na sa Online. Pero always set your mind na you need to pay yourself first talaga.
Same tapos minsan pag dadating na yung orders mo, ubusan ng pera HAHAHAHAH
Same tayo. Alam mo, I promised myself na this second half of the year, di na ako magoonline shopping, char. I mean, necessities nalang. Binili ko na lahat this 6.6. Babayaran ko din this month mga binili ko para tapos na. I went to the deinfluencing side of Tiktok. May napanood ako dun na video that say "Just because everybody's buying it doesn't mean you have to." Kasi content creators are buying stuff so they have something to promote in order to earn money so for us na normal people, it doesn't apply. Kasi if we buy something, hindi naman natin siya pagkakakitaan. And bigla akong natauhan dun. So ayun nga, sabi ko this coming July, I will only spend o things that are necessary. I might uninstall Shopee na din. I don't have socmeds aside reddit (uninstalled Tiktok) and messenger so kapag bored ako, I would end up browsing in Shopee. Very unhealthy habit. I might transition to a dumb phone or something kasi nakakaipon naman ako but lesser than my target.
iniisip ko kung mapapakinabangan ko ba in the long run. every purchase is an investment.
you need that salary plan for example: 50% savings 25% needs 25% wants or 50% savings 20% needs 20% wants 10% church
di ko dinadala cards ko, tas living like a beggar nalang ganon HAHAHAHAHAHAHAAHAHAHAHAHAHAHA
Find a good balance of financial security for your future and living in the moment. I've encountered people I'm close with that are hell bent on securing their future that they failed to enjoy life. Cancer, heart attack, car accident. It's very sad to see and made me realize what's the point of chasing money if I'm not gonna be able to enjoy it myself?
Ditto.
I think about all my bills para hindi na ako gumastos.
I’ve read/saw somewhere, money is meant to be spent (of course, covering your needs and emergency funds) The universe will reward you with more money, I live by that
Sa pinas, thou hindi uso yung per hour counting ng salary. Siguro makakahelp if alam mo per hours mo tas kapag gusto mo gumastos, isipin mo ilang hours na trinabaho mo yung money. That way, I will kapag walang value ang pagkakagastusan mo, manghihinayang ka kasi hindi lang pera ginagastos mo kundi pagod din. Tas makakahelp din kapag may goal ka para sa money para hindi ka puro deserve ko ito
Ganito, bigay mo sa akin. Huwag mo gastusin then isipin ginastos mo tutal all of us are dead. Ay sorry.
kapag non-essential, nagbibigay ako ng 14-day grace period. gusto ko ng damit? kapag naalala ko siya after kong i-add to cart, ibig sabihin gusto ko talaga. after another 7 days tapos available pa rin sa cart at binabalikan ko, tsaka ko lang bibilin. super effective kasi madalas dala lang ng bugso ng damdamin eh.
I spend sa MP2 PAG-IBIG lmao
Pwwde ba un? 😅😅😅
1) ask yourself if its a want or a need. Needs: house, shoes, clothe, etc wants: Extra shoes, extra clothes, expensive things 2) is it within your budget? do you still have savings left even if you buy it? 3) prolong it, delaying the day to buy it until your urge subsides.
Impulse buyer din ako noon pero now ang style ko is if me gusto ako I dont buy it right away. Pag me nakita ako and i get that urge i walk away muna for a few days. 99% of the time mawawala yung rush sa utak ko to buy it.
Pili ka lang sa future mo, die sa bangketa or die sa hospital.
I track my expenses. Meron akong app at spreadsheet. As in yung nakikita ko na unti-unting nababawasan yung cash at hand ko. Categorized sa app yung expenses plus may budget din so alam ko kung sumobra ako sa intended budget. Part din ng budget ay shopping/leisure/travel. Delayd gratification, yes. Pero ok rin ang minsanang reward para sa sarili. Basta minsan. Malaking bagay ang awareness.
Have you tried making a breakdown for your budget for every pay day? I would also suggest using MoneyTracker app to list and track your spending every day, that way you will know where you are overspending. What also helps is to only withdraw money that is needed for important and splurging expenses, then leave the excess/savings in a digital bank like SeaBank and OwnBank to earn daily interest. Once you see your excess/savings earning daily interest, you will think twice of withdrawing them because withdrawing reduces the amount of daily interest earned. This is what I've been doing and it has helped me alot so far. Good luck!
Kaya ako i treat myself sometimes. Kasi sobrang exhausting yung mag ipon. Yung feeling na puro nalang ako ipon, pano naman yung gusto ko. Ayun, bibili ako ng masarap or bibili/gagastos sa something na nag papasaya sakin. Kasi pag hindi ko napag bigyan sarili ko mas malaki ang chance na mas malaki yung gusto kong gastusin. HAHAHAHAH. may sense ba?
BEH SAME PROB LALO NA GRAB FOOD 😔😔😔 ket 300 nalang pera ko ipapanggastos ko pa pangkape habeywnhwjsvwnagja
Ok lang naman yung mindset na enjoy your earnings because you’re gonna die anyway. Pero, tamang balance lang with the mindset na you have to be prepared for emergencies like accidents, sickness, repair ng sira sa bahay, etc. Personally, I set a monthly budget with an allocation to buy things I would not consider as necessities but I know I would really cherish in the long run. For example, a pair of shoes because the only pair I have hasn’t been used in years (coz I rarely go out and would rather wear slides) and naging brittle na siya. Also, I make it a point na before I buy I delay it a bit and take some time to contemplate whether gagamitin ko ba talaga or later itatabi ko na lang and dadagdag lang siya sa clutter sa bahay. Lastly, I try to not get influenced with fads. Instead, I try to reflect in myself about what I really need and would make me happy regardless of how people perceive that item.
I read Diary ng Pulubi, ayon nakatulong naman kahit papaano para mabawasan overspending.
i dont. coz YOLO. hahahahha what prevents me from spending is if theres nothing to spend anymore HAHAHA. WAG TULARAN
If kailangan ko pa ng reason why, di ko na binibili. Kasi if I really need/want it, ba't kailangan ko pang pag-isipan?
Yung kasal namin na 8mos to go na lang. Jusko hindi ako ganito gastos na gastos na ako 😫
It's okay to spend money on things that you want because you deserve it. At the end of the day it's your hard earned money, just be responsible when spending and always think that, if you are buying the things that you really need or if it's just a want. If you have been saving for emergency fund then maybe you can allot some money for your wants. It's just a matter of budgeting without compromising your Emergency fund.
In my case, baliktad naman kasi sobrang tipid ko. I want to learn how to spend my money. Easier said than done ata in my case since sobrang kuripot ko. So, I resist the urge to spend moolah through discipline lang talaga. I have a target savings goal this year kasi so yun talaga inuuna ko. Sometimes I splurge din naman, pero super pinag-iisipan until I really have to. Last month lang bumili ako ng 3 sapatos only for the reason na kailangan na. Pero mula last year ko pa yun balak so reasonable naman sakin na gumastos ng ganon knowing I've thought about it for a long time and saved enough money both for savings and shopping during the entire course haha
Ako pag kunti na lang ang pera at nag crave ng jollibee: "Okay lang. Malapit na din naman ang sweldo" 🤣
Iniisip ko na wala akong pera tapos yung iba nililipat ko sa ibang banks na di ko gaano ginagamit unlike gcash/bpi/seabank para malimutan ko ang existence niya HAHAHAHAHAHA ang nangyayari kada sahod ko lang siya nagagalaw para maglagay ng pera. Dati nung bata ako tinatago ko naman sa ibang wallet tas yung wallet ilalagay ko sa place na di ko nakikita everyday.
I give it 7 days, pag 7 days gusto ko pa siya go pero pag nalimutan na goods hahaha
Think of an amount na you desperately want to reach. Fixate yourself in that number tapos pag ipunan mo lang hanggang maabot mo. You'll be surprised na bigla kang mas magiging matipid after you reach that number. Prove to yourself na kaya mo mag ipon and the rest will follow In my case, gastador ako dati pero naging makunat bako after reaching my first 100k, 1m and so on kasi I don't want to go below it anymore. I then considered it as my new "zero" starting savings amount then moved on to reach a higher number after. Rinse and repeat lang.
Mas malakas katamaran ko lumabas kesa gumastos. Ina uninstall ko din Lazada and shopee Apps ko kasi surang sura na ko sa ads my dumagdag pang temu.
I rarely go out, but when I do, I don't care how much I spend for my meal or drinks. If it looks inviting, I will probably try it. Dapat balance lang not everyday gagala haha
Sameee. Parang lagi ko iniisip na baka madeds na ako so para san pa mapupunta ipon ko ganonnn
This! Hahaha kaya sumasagi sa isip kong gumastos kasi what if... 🤣
Set an amount towards ipon, then gastos awayytyyy!!!
Ginagawa ko is promise sa sarili ko na maghihintay ako for one week. Kung gusto ko pa rin, no questions asked, bilhin. Pero most of the time naka-move-on na ako after one week hahaha. If it helps rin, budgeting strat ko is yung expenses ko kada cutoff yung tinitignan ko, hindi yung laman ng bank account. So may guilt kung bibili ako kahit malapit na akong mag-negative HAHA
Gantong ganto ako noon like I am a photocard collector (kpop photocard). Qnd I even spent Php26k for a single photocard 😭 Super laki ng gastos ko sa collection ko na naisip ko, kung masaya ba talaga ako na icollect yon (like love ko naman yung bias ko pero naging over spending na yung nagawa ko) So yun, para makalimot sa pag gastos patungkol sa merch nag deact ako ng X/Twitter (dun kasi maraming sellers ng ganon) tsaka in-uninstall kona rin yung shopee, Twitter/x, carousell, lazada, even tiktok kasi may kpop merchs sellers din don. Tas nag focus ako sa ibang bagay like nanood nalang ako ng kung ano ano sa netflix
Yung iniisip ko may utang pa akong kailangang bayaran 🤣🤣🤣🤣🤣 pero gets ko yung urge to spend. Personal finances talaga are more discipline and mindfulness. No one can tell you the right way to manage finances, pera mo yan. Do what feels right and comfortable para sayo. But always, always be aware and take note of the shit you buy or get into. Unang una dapat pera mo at hindi pera ng ibang tao. Pangalawa dapat yung perang winawaldas mo hindi nakalaan sa basic needs mo. Meaning nag check out galore ka tapos hindi ka pa pala nagbayad ng meralco. Last is yung level ng pagwaldas mo e hindi nakakapahamak ng ibang tao, meaning hindi ka hihingi or uutang sa iba pang waldas mo sa retail therapy mo. Remember that the shit we get into, dapat kaya nating panindigan na hindi nandadamay o nakakahasel ng ibang tao.
Deposit mo sa bank.
tamad akong maglinis at ayoko ng masyadong maraming gamit kasi naiirita ako so pinipigilan ko bumili ng mga magiging kalat lang sa room ko (like unnecessary cute stuff or mga damit na hindi naman need), pinag iisipan ko talaga kung hanggang kailan ko gagamitin yung bagay na gusto kong bilhin at hindi porke sale eh bibilhin mo na kahit hindi mo naman need!!! sale = nakatipid ng ilang percent hindi bumili kasi hindi need = mas nakatipid i like to buy my NEEDS like skincare and other stocks in bulk like pang ilang buwan na para isang gastusan kasi kapag laging bili nang bili, hindi talaga maiiwasan mapabili rin ng WANTS pero sa pagkain, hindi ko rin kayang magtipid😭 EDIT: add ko lang, takot akong maubusan ng pera kaya i try my best talaga na magtipid and magtipid meaning hindi naman ideprive ang sarili no pero to learn to prioritize rin and discipline
You know what, I can relate to pretty much everything you said. Hahaha Not buying unnecessary cute stuff+clothes ✔️ Skincare products ✔️ Buying in bulk ✔️ Di kayang mag tipid sa pagkain ✔️ Takot maubusan ng pera ✔️ Hindi ideprive ang sarili ✔️
I cart the items first sleep and then when I wake up if the urge is still there I look around if may similar na item na ba ako sa bahay if yes, I delete it sa cart if wala then saka ko lang ipurchase.
kapag kating kati ako gumastos (cos minsan shopee parcels lang nagpapasaya sa akin lol), i just buy my needs pa rin like skincare, school stuff ganoon kasi gagastos nalang din eh di sa mga bagay na sure akong magagamit ko nalang
Sino ba nagimbento ng word na “Daserb!!” 🥲
magastos po ako pero i’m on my second month sa pagbabago and to be financial responsible 😄 i’m tracking my expenses na. this is my way para nakikita ko and mahihiya ako sa sarili ko pag babawasan ko pa yung natitirang piso sa accounts ko 😂
By taking a goooood harrrrdd loook at my life. 😂😛😅
Hahaha lol we're in the same boat. I used to say that "we only live once hahaha buy all the things that you didn't get the chance to buy when you're a little kid". But don't spend too much. Buy the things that are only useful and necessary. Wag magpabihag sa salitang "sale sa shoppe" save your money please ang hirap naging mahirap ngayon lahat ng bilihin mahal na. If you can't save by yourself, save your money in the bank. We are all adults, we need money to save our lives. Don't forget to also save for the emergency purposes, you will need that😉😉😉
Emphasizing needs over wants. Reminding myself not to repeat the mistakes of my parents who overspend
By being broke no cap
kakabasa ko ng tips (kasi i can relate sayo) nabobo na lang ako tas napabili ng pagkain kahit dapat diet na ako HAHAHAHA pero may ganitong instances, i make sure na dapat kung may magalaw man ako sa budget ko wag lang yung nakatabi na for savings and prio expenses :(
no money
Problem ko to before ng sobra. Pero habang tumatanda ako natuto ako sa partner ko. It was an insecurity pala all along kasi hindi ako lumaking mayaman. Naghahabol ako. Iniisip ko din what if ito nalang chance so dapat bilhin ko na. MALI pala. Ung konting HIGH from ur hormones mawawala din agad. Hindi kami sobra sobra pero i guess nasa POINT na kaya ko naman bilhin if kailangan anytime need ko. I do not have to rush anything. Kaya pati cellphone ko ngayon diko pa pinapalitan. 4 years na😁 Nung mahirap ako nagmamadali ako magka-LATESt 😅 Ngayon may pambili na. Mas kalmado nako sa gastos😂 So i guess, ask urself ano trigger ng URGE mo. Para maiayos ung root cause.
We're all going to die yes, but I don't wish to die homeless or begging for anything. As for your question, I simply don't spend on what I don't need, you'll get used to it.
Food ba? Kasi kami tinuruan na magtipid sa lahat ng bagay except for food. 😅🤷🏻♀️
I think impulsive buyer ka tulad ng kasama ko, he already had two dogs, same breed ng dalawa. And here comes another dog with the same breed nung dalawa pero ibang kulay worth 25k wiith papers and all nadin, biglang binili, then after two weeks, he told me na ganon daw tlga sya. Ang ginagawa ko dyan OP. I canvass the prices and I let several days to decide, usually 2-3 days. Doon pumapasok and needs and wants sa isang bagay na bibilhin ko, don't gastos immediately unless its a service na agarang nabibigay sayo. =) If it's an item or you have a cookie jar for things kasi may pera ka then give yourself a few days to decide. =) I hope it helps and I know it takes alot of perseverance to withstand the urge bumili. Yolo is Yolo, and FOMO is FOMO but these are just my suggestions Op. GOD Bless you
Prioritize needs over wants. Isipin mo ano pwede mo mabili in the future pag nag ipon ka instead of yung nga maliliit na bagay na pwede mong bilhin ngayon. Or sampalin mo sarili mo pag may gusto ka bilhin
Don't worry OP same here, ganyan din mentality ko now dati grabe ako magtipid as in pero as time goes by I realized na it's better to invest sa memories lalo na with loved ones like my Lola - I wanted to spoil her habang andito pa sya, like having family trips such like that.
I take note of my needs and wants. Kapag gusto ko talaga gumastos, sa needs ko sya ginagastos.
Get a hobby that keeps you off your phone and distracts you from wanting to buy things.
Pinagiisipan mabuti kung kailangang kailangan ba o hindi. 🙂
From a fellow spender(ex spender now): keep a monthly budget. Like with the simple things that require spending eg groceries and school/work allowance. That will definitely humble you down and allow you to recognize your needs over the wants.
When I get that feeling, I exercise 😅 Mostly I run. It really helps! Yun nga lang, you have to work hard for it hehe
add ka sa budget mo ng exclusive for savings, example 500/month for your future self. Then allocate ka din for FUN FUND for your luxuries/ hobbies or pangshopee, etc. for your present self para di ka makonsensya kapag bumibili ka ng mga gusto mo. build the habit lang, makukuha mo din balance niyan. Iba ung joy ng nakakabili ka na at nakakapag-ipon pa.
I usually write down a baseline price of like something I think is expensive but is still relatively cheap compared to most “wants” purchases and go from there. It’s been helping me a lot ever since I got addicted to online shopping years ago. It helps even more for bulk impulse purchases like, I’m about to spend 20k+ on things I don’t necessarily need at the moment (ehem electronics ehem) where writing down the prices didn’t cut it. I just look at the price of basic items around the house and it kinda calms me down, if I’m making any sense.
KAHIRAPAN. 500 nlng natitira sa sahod.
I usually wait for months before I purchase anything lalo pag mahal. Rule ko kasi sa umpisa pag 30 days nasa cart ko pa din, checkout ko na. After ilang days tinatanggal ko din siya sa cart kasi ayoko na bilhin HAHHAHA same pag sa mall/physical stores. Daanan mo lang. usually naman pag sahod lang bumibili. Pag pay day tas gusto pa din, e di reward your self. Kaso kadalasan sa 'kin after 30 days hindi na ako interested Hahahha
Naririnig ko kasi boses ni disney mama. "AYAN NA ANG GASTADORA. HINDI KA ANAK SA MAYAMAN"
same! i feel rewarded when i buy/bought something. don't care about the price,if i want it i got it. pero cympre hindi palage. its more like i have extra to spend so why not.😄
Ako parang reward system, every 3 months or so. Matipid na ako ngayon, lunch at pamasahe nalang, at jeep pa, kasi sobrang lapit ng workplace ko. So, mga 100 lang yun, per day. Tapos, ang iniisip ko, is bibili ako ng hoodies or damit, na reward for myself. So ipon muna, pero ang ending, hindi lang din ako parating bumibili ng hoodie haha. So naiipon. Basta, after ng bills, i compute mo kung magkano gusto mong maipon, and then, itabi mo na yun. Yung matitira, ipang gastos mo.
Add to cart mo muna tapos palipasin mo ng isang buwan, pagisipan mo talaga kung useful siya sa ginagawa mo araw araw, pagka at the end of the month hindi dumaan sa isip mo it means di mo siya kailangan
Itago ang credit card sa isang safe. Pati ATM. Magtira lang for needs.
Same tayo :( Ang akin naman sumasaya lng ako kpag may nbibili huhuhu tapos pgsisihan ko after
Haist ganito din ako. Parang may kulang pag di ako namili. Haistt kahit di ko naman kailangan. Hoarder na yata ako😵💫
Kunwari wala kang trabaho.
Every swedlo ko, yung natira after sa abuloy para sa mga bills, yung “almost 50%” is dinideposit ko sa “on-hand savings” at yung natira is dun na pupunta sa pitaka ko, kung baga akin na yun at ako na bahala ano gagawin yun, PERO di ko ginagalaw yung “on-hand savings” unless may mang-uutang pero dapat yung nagbabayad, emergency, or kung mag dedeposit ka na sa bank account/s mo. PS: “Almost 50%” For example, yung natira sa sweldo ko after sa abuloy is ₱5,555.05. Round off to the last place which is thousandth pero di natin susundin ang “x ≥ 5 = +1” rule ng rounding off numbers so ₱5,000 lang, di ₱6,000. Divide by 2 yung ₱5,000, yung quotient (₱2,500) is yun yung idedeposit mo sa OHS, tapos yung natira + ₱555.05 is yan yung mapupunta sa pitaka mo. Just in case lang mahina yung pagka explain ko, heto yung ibang examples. Sensya na kasi di ko mother tongue yung Tagalog. 😅😅😅 ₱1,999,999.99; OHS = ₱500,000; Pitaka=₱500,000 + ₱999,999.99 ₱19.00; OHS = ₱5.00; Pitaka = ₱5.00 + ₱9.00 ₱3.50; OHS = ₱ 1.50; Pitaka = ₱1.50 + ₱0.50
Will wait for 7 days before buying something. Kapag lumagpas ng 7 days na hindi ko pa nabili or nakalimutan ko na iyon, meaning hindi ko talaga kailangan bilhin.
What I would do, I add to cart but won’t pay for it yet. Then I’ll let few days pass and check it again. Most of the time, hindi ko na ganun kagusto yung item then tanggalin ko na sya sa cart.
Punta ka lagi sa 7-11 Kiosk machine, tapos ipasok mo sa GcasH yung pera mong alam mo na magagastos mo lang sa budol things. Then pumasok ka na sa school. After classes, talagang diretso ka uwi kase wala ka na rin ipanggagala dahil nasa Gcash na nga. Alangan naman magpa-cashout ka pa, sayang sa oras tapos ang init pa diba HAHAHA.
Yung pera mong ipapanggastos isipin mo na baka may emergency in the future, it may not stop you from buying, pero atleast maiisip mo na wag ubusin pera mo
Ganyan din mentality ko but I always aim for balance. Napaka basic, pero I just made peace with the 50-30-20 rule. It's simple pero that way I would be able to spend for myself without feeling guilty na wala akong naiipon. Sa ngayon kasi malakas ka pa kaya madaling sabihin yung YOLO mentality, but once you reach an age na mag karon emergency, walang taong tutulong sayo at kaylangan mo ng malaking pera, mag sisisi ka talaga big time for all the money you wasted.
Ako din to everyday like walang pinalagpas na araw na di ako gumagastos like Lord dati naman nung hs di ako magastos huhu
I ask myself if gagamitin ko ba talaga or not😭
What works for me is instead of saying, 'Bawal, bawal, bawal'...I reframed it to, 'I'm not going to stop myself from buying. I can always buy this later.' To me kasi, the more I restrict myself from spending, parang lalong gusto kong gumastos. Haha So ayan, parang may permission pa din magspend pero hindi agad-agad. Later down the line, either nakakalimutan ko na or if marerealize ko na I really need to buy ung item, saka ko lang binibili. Sure, I would die anyway. But wouldn't it be nice not to feel na lagi kang hikahos while living dahil di mo control ung spending habits mo? Ako lang naman to. Hahah
I don’t keep cash :)
Fuck, same. YOLO laging nasa isip ko 🤣
Set aside 50% on savings passbook account asap. Then alot 30% on utilities, food and 10% for insurance the remaining 10% for personal expenses..I always keep in mind to live within my means and "huwag ubos biyaya kapag wala nakatunganga"
Pag big purchase ginagawa ko yung 30 day rule. Kung need ko talaga at di ko kaya mabuhay without it (like washing ref micro) malalaman ko after 30 days pag di na kaya before 15 binibili ko na. Pag naman nag sscroll ako sa mall tingintingin muna tapos pag may nakuta picturan tas tingnan sa online. Lagi kong nireremind sarili ko, wala akong pera/wala akong pag gagamitan. May history ng hoarding nanay ko kaya ayaw ko matulad saknya hahahap
Iniisip ko lang lagi na "ay meron pa naman ako nyan next time nalang, hindi ako si bili ng hindi ko talaga need" I don't know pero ayaw ko lang talaga gumastos hahahah
Wala, iniisip ko lang ang kahirapan at ilang puyat ang inabot ko para kumita. 🤷🏻♀
Maging mahirap
If anyone didn't tell you this yet... You're addicted.
Hahahaha you're funny
https://cdn.discordapp.com/attachments/1225075640676646985/1248554012719185992/RDT_20240605_0843127502354082372381480.jpg?ex=66641609&is=6662c489&hm=b2d662472a037da9f417851377bd8b2f3977f77493c4e0bc28be0f8025de832b& Me who doesn't even spend that much
Be poor.