How thrifty are you?
Well me, I am really thrifty. Like seriously thrifty. I remember back at my first job, they used to sell a cup of rice for 2 pesos. Imagine that 2 pesos, and i'm going to ask the server to put some toppings on it (where you put the sauce of a viand on top of the rice and you get to taste the deliciousness of that food without even paying a dime for it). Then after paying for my rice, I go down to the soup station where I get to pour soup at a little bowl and if i'm lucky enough a piece of meat will come and if i'm not lucky, sometimes a piece of ginger which disguises like a meat, but then again it's only for 2 pesos!
People have noticed my thriftiness today, especially when they ask me if do I want to buy some food and do I want to join them. I'll tell them "i'll pass this time". That's for about 5 days a week. In 3 weeks. For a month. I'm contented with what I bring from our house. Sometimes it's not healthy anymore.
I'm thrifty because I want to save some money. I like to see my bank account rise up. Seeing my bank account less from what I expect, I get depressed and makes me want to rob a piggy bank. Just kidding. Going back, In every payday I make sure to save almost more than half of my own salary. For example if you earn about 12,000 every month, so that's about 6,000 every cut off. Upon receiving the 6,000 you must set your budget already, for bills, food, allowance and daily expenses, and then you must save the remaining amount and lock it away!
Always remember to buy what you need, not what you want. But if you really want something, you have to make sure the pros and cons of it and you must have an extra cash so that you won't damage your very own savings.
So does that make me rich? No. Not even close. Because I'm only saving money, not growing it, soon i'll start investing for my money to grow.
Going down to the topic, how to be thrifty? I can teach you ways only if you are open to my suggestions.
Listen up.
- Buy what you need, not what you want.
as I've said up there, you need to ask yourself these questions: "Do I need it?" "Will it be useful in time?" "Will i earn from it in time?" "Will it make me happy?" "Will I suffer from financial loss after buying it?" etc... spend your money wisely, don't be like someone I know who is a one Day millionaire.
- Save money every month.
If you are a student and you have your allowance, try to save 60% of your allowance, for example your Dad (not your sugar daddy) gave you about 8,000 a month, save at least 4,800. If you are an employee and you earn 12,000 a month! Save at least 7,200 a month. Well that is my opinion. You can save 30% or less, it's up to you, alright?
- Open a savings account.
Choose a bank that you like, put your money in there, if you can make it a passbook it's cool so that you won't be able to withdraw your money anytime that you want. If you want an ATM, it's cool also. Just save your money in the bank, have the guts to go straight to a bank, beautiful and handsome Bank Tellers are waiting for you.
- Learn to budget.
If you don't know how to budget, then learn how to budget! List your monthly expenses may it be your allowance, bills, transportation, food and your nightly beering moments. Put it in a paper or a notebook and track down your expenses for you to have an organized list, so that you won't wonder where your cash have gone.
- Think about the pros and cons.
It's like number 1, but here, i'm going to explain to you why. When buying something expensive and you can't think if it is a need or a want (well sometimes I get that dilemma). Think about the pros, for example you want to buy a new car what are the pros of buying a new car? Comfortability? Easy access? Now think about the cons. Maintenance every month? Insurance? Papers? Parking? Now think about that.
- Learn to say NO.
When your friends tell you that they will drink for celebration and asks if you would like to come, stop and count to 3 and decide NO, or when someone tells you to treat them because it's payday, say NO. Easily saying no means less damage to your wallet. You wallet will thank you later.
- Stop buying expensive coffee unless..
You have some extra cash. I will be a little biased here, I myself is a coffee addict, sometimes I go for the cheapest one for I just need the caffeine, but sometimes I do go to coffee shops and buy some expensive coffee to taste it and for I get my creative juices inside a coffee shop and I don't know why! If you want to spend some time at a coffee shop and you don't have anything planned for the day,it's ok if you have extra cash. It's either you go back home and buy a 6 pesos sachet of a 3 in 1 Kopiko and do your thing there, or you can spend a hundred for a coffee in your favorite coffeeshop (Starbucks, J.Co, Bo's Coffee, Coffee Bean Tea & Leaf etc...) capiche? But if you don't have any extra, go buy at Aling Nena's store a 3 in 1 coffee or buy 2 of it if you want it strong. So strong that you want to run a 50K nonstop.
- Always go for the small size.
They say that SIZE DOESN'T MATTER right? Well for this one it's true. This is also a benefit for people who is trying to lose weight! Whenever Mark or Joy from Jollibee, Eric or Cherry from McDonald's asks you "would you like to upsize?" Just say No and tell them you are trying to lose some weight.
- Bring your own Lunch.
prepare your food the night before or wake up early. Either way, bring your own food and avoid buying food especially when you brought one already. This will save you a big amount of money.
- Control.
Lastly learn to control yourself buddy. That's it. It doesn't matter if you're craving for it, it doesn't matter how badly you want it, bottom line is that it is you who will have the last decision from it. If you learn how to control it, you will be thrifty as hell.
So that's it, try to follow those 10 things and you will be rich! Just kidding.
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