Tipid Tips In a Nutshell

  1. Live within your means.
  2. Use CASH to buy your needs.
  3. Pray to God for guidance.
  4. Write a budget and be true to it.
  5. Write a budget that will have surplus.
  6. Ask the help of a family member or a friend to tackle debt issues. Consolidate your debts by creating a debt elimination calendar. This concept was introduced in Marvin J. Ashton’s One for the Money. Here is a free PDF copy.
  7. Avoid owing new debts while you’re paying off your old liabilities. Better yet, avoid debt like a plague.
  8. Check your cash flow. An effective way to do this is to keep your paychecks, receipts, and paid bills.
  9. Teach your kids about the concept of saving while they’re still young.
  10. Harvest some food from your own garden.
  11. Gather sticks and wood fuel around your village and use them to cook food.
  12. Turn off the lights when not in use.
  13. Do your own laundry. And as for your drying needs, utilize the power of the sun.
  14. Unplug all devices and appliances that are not in use.
  15. Bring baon (packed lunch) to your work.
  16. Buy from the palengke and home-cook your family’s meals.
  17. Do your grocery shopping weekly, bi-monthly, or monthly (whichever works for your family’s budget).
  18. Shop from the ukay-ukay. Being fashionable doesn’t mean that your wardrobe must all be branded.
  19. Watch movies at home rather than regularly watch films on the big screen.
  20. To satisfy your wanderlust, be sure to book your flight 11 months prior to your planned vacation.
  21. Still on traveling, be sure to set aside some travel or recreation fund on your monthly budget.  Remember that all work and no play makes Jack a dull boy.
  22. Dine out only when you have to celebrate significant victories and, again, always pay in CASH.
  23. Do your own waxing, manicure, and pedicure.
  24. Grow your own vegetables and fruits.
  25. Buy a fuel-efficient car only.
  26. Do carpools. Or just do public transport.
  27. INVEST while you’re young. If you’re not that young, INVEST still.
  28. Pay tithing or give to charity.
  29. Do ukay-ukay shopping. There’s plenty of branded/vintage clothing that will amaze even the self-proclaimed fashionistas out there.
  30. All in all, live a simple lifestyle.

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