How to Control Spending

[chookchakchenes]

"Dont follow the crowd. "

[Yuki13]

Don't be a hypebeast.

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[viper888]

Stay away from an Apple Store

[ronw123w124]

Use your credit card only for essentials and don't bring it if going out shopping otherwise you'll end up spending more than you want to.

[dr. d]

1. leave your credit card and atm card at home.
2. bring with you only the money you need to get over the day.
3. don't buy on impulse. simmer the thought for a few days or weeks, before making the decision.
4. ang pera, pag pinasok mo na sa bulsa (o sa bangko), kalimutan mo na (act as if you don't have it.)
5. except for a few major buys, like real estate and possibly a car, don't buy on credit. make the purchase painful.
6. train yourself and your family to live simply.
7. love counting money.

[_Cathy_]

Whenever I use my card, I have an envelop where I place the cash equivalent so I can really feel the pinch of the purchase. I use my cc mainly for points or because I have no other option (online)

[_Cathy_]

2. bring with you only the money you need to get over the day.

This is something I could never do. I have a cash amount that I need to maintain on my wallet. I got this habit from both my parents. We also keep cash at home. You'll never know when the system falls and there are no ATMS or OTC cash withdrawals. haha.

[Walter]

If you have the discipline, using credit card saves money. Citibank and EasWest Cash back cards will reimburse up to 5% of your grocery, fuel & medicine purchase. Standard Chartered reimburses 3% of Shopping and Dining. BPI reimburses 5% of purchases in Ayala Malls. Maximum of 1000 monthly. With most cards you get 0.3 to 0.5% rebate through their rewards program by availing the gift cheques of certain establishments.

[Walter]

Whenever I use my card, I have an envelop where I place the cash equivalent so I can really feel the pinch of the purchase. I use my cc mainly for points or because I have no other option (online)

Instead of using envelop, open a separate bank account and transfer money there. More convenient and you can transfer the exact amount.

[Ry_Tower]

If you have the discipline, using credit card saves money. Citibank and EasWest Cash back cards will reimburse up to 5% of your grocery, fuel & medicine purchase. Standard Chartered reimburses 3% of Shopping and Dining. BPI reimburses 5% of purchases in Ayala Malls. Maximum of 1000 monthly. With most cards you get 0.3 to 0.5% rebate through their rewards program by availing the gift cheques of certain establishments.

I agree. Waive din annual fee if nakakabayad ka diligently and yes, points are actually discounts in the form of rebates. However small, it is still savings imho. Tama din sabi dito na just make sure the cash for it is separated already para alam mo na may pambayad ka. hehe