As a working mom, the best way to maximize our earnings is being frugal.
After all, we have to leave our beloved little darlings at home every day to earn a decent income and be able to sustain it for their needs.
We must be able to manage our money wisely and make the most of our hard-earned moolah, right?
It only takes discipline and a strong willing determination combined with the tough love we have for our little munchies that we have been striving these all for.


There are tips and mantras that we all can live by and make them a habit. Hurray to a more Frugal Lifestyle. More Happiness and a lesser stressed face. =)

1. Eliminate impulsive buying on your credit cards.

I am a victim, as of the moment, I still have a balance on my current ccard.
But I am getting there, One tip. Do not use your credit card to pay online for useless purchases. Think Needs! not wants. Never use it when it is not really needed. Never bring one with you during malling.
Use it only for emergencies. Remember: EMERGENCIES.

So good luck to me =)

2. Bringing LUNCH BAON to work.

I have been sticking to this just recently. I am buying my food at the affordable carenderia outside our place.
The viand is just around 10 to 20 pesos. Will really save me money if I buy at the workplace cafeteria, since the viand costs about 20 to 40 pesos. I also get to eat really healthy home made food. spell nomnom.

3. Going UKAY UKAY Shopping.

Thrift shopping is way cooler and can save you a lot of money. Plus these stores offers a lot of fashion finds from dresses, vintage shoes, bag and others. Read about some of my Ukay Haul Adventure around Cebu here.

4. Have your grocery list ready.

Always  shop with that list. And learn to discipline your self when making purchases.
This way you can gain more from your money and buy only those things needed. My take on these is not easy but I am slowly also using this tool and it has helped me control my spending and my budget. I use my smartphone to have that list as well, so it becomes really handy.

5. Refrain from being online or using FACEBOOK

If you're a person who is easily persuaded by what the eyes sees, then better put down your facebook and get down to your household chores. Facebook is very deceptive. It deceives you of what reality is and what true happiness really is. It is not about the places, the great clothes, the fabulous life that your fb friends are having on your feed, it is about connection. If it's not getting the best for you, then get over it. and Smile! =)
I did this and soon became happier and not bothered about the material things my fb friends are posting on their walls/ timeline. =)

Good Luck momsies!
Let me know your tips as well. =)

It's here.
I am finally blogging about the dream.
A dream of having my own home. with the family. with my family to be.

Allen and I had Adi two years ago. We were not married.
And we had our fair share of struggles. But we have overcome those challenges. Our love against the odds.

having a home, where we can call our own is our dream. every new family's dream.
We are now one of them. I have grown in not so well off family here in the Philippines.

We had a simple house but the lot was not ours. We rented for it. For 27 years now. same age as me.
We rented it for PHP300 pesos a month.

Well, to cut the story short, Allen and I decided to acquire a Lot near our place. In Consolacion, Cebu.
It is still under development and it's cheaper now compared to buying a furnished house and lot.

We cannot afford one so we opted for a lot. a 100-sq m lot.
payable for 5 years.

I mean it is but a great deal. i payed for the reservation and the equity. I am glad that Allen helped me out as well.

We may have meager ways of living but this will be our long term goal.
We are on our Sixth month and it'll be four years and six months more to go before we can finally call the Lot our own.

We are excited and we will do everything we can to reach that goal.

Crossing my fingers!
To God be the Glory.

P.S.

I was lucky enough to know a very good broker.
You can avail of their service as well here.