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Bogie

Bogie

CDO Lifestyle Blogger. Blogger since 2008. Educator. Life Mentor.

Save Money

How to Save Money this 2023

by Bogie January 2, 2023

New Year, New Goals. The start of the year is the best time to set practical financial goals. You might be one of the few people who struggled with saving money for the past years, and the new year is one good opportunity to get a grip on your money. Here are a few tips on how to save money for this year.

1. Review Your Finances

If you are to check on your bank book today, how much is the balance? Have you reached your saving goal for the year? If not, it’s time to assess what money is coming in and what money is going out as you spend.

According to a survey, one of the reasons people find it hard to save money is Money Mismanagement. People often make financial mistakes by overspending and not having practical goals for their money.

This year, take a realistic look at your current spending patterns, assess them and do something about them. 

2. Have a Budget

When I was in college, I had an opportunity to join a Financial Management seminar. One of the topics discussed was Budgeting. During the discussion, I asked the speaker if I need to budget my money given the fact that I am only depending on my school allowance. The speaker replied, when you know that your resources are limited, it is all the more important to have a budget. It will help you manage the little amount of money you have.

That lesson taught me to create a budget and stick to it. I am not a perfect budgeter, but having a budget helps me spend within my means. It allows me to focus on buying only the things that I need.

Moreover, having a budget allows you to assess if you need to make more money so you can set aside enough money for savings every month. This year is the best time to start budgeting. Don’t wait and start today. The tiny step to budget is better than the perfect budget you have in mind.

3. Pay Debts and Do not Acquire More Debts

Many people find it really hard to save money because of debts. Others are stuck in the habit of paying one debt and acquiring another. When debts are accumulating, this means you don’t have enough money left over to save. 

If your goal is to save money this year, start first by paying your debts. Start by writing all your debts, the amount owed, the interest rates, the minimum monthly payments, etc. Once you have written everything, make it your goal to pay for everything at least with the minimum monthly payments. Don’t think about skipping payments as this would only make things worse. Start paying off small debts and do not acquire more debts. This will surely take time, but you can do it. 

4. Cut Back on Expenses

If you find it challenging to save as much money as you’d like, it might be time to cut back on your expenses. Try to look for ways where you can lower your monthly fixed expenses and trim down daily expenses.

One good example of this is to consider examining the cost of eating out or preparing home-cooked meals. 

5. Start Saving Now

The best time to start saving is now. Even if you have debts to pay, set a goal to save money. You can start small and increase your goal each month. A savings goals calculator can help you with your plan to save. It will help you answer the question, “How much money will I save each month?” and guide you to enjoy your savings in the long run.

Whenever you are saving money, remember that this money should not be spent. Your goal for this money is to make it grow and use it when needed.

Economist William Wood says in his book Getting a Grip on Your Money, “Every day people make personal financial mistakes because they do NOTHING. So, let’s do something with our money this year… the goal is to SAVE.

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GrabFood Everyday Value Meals

Enjoying GrabFood Everyday Value Meals Starting at P99

by Bogie October 3, 2022

I’ve been working from home for about two years and I am loving it. Ideally, working from home and preparing your meals sounds great, but in reality, it requires so much of my time and energy. This is why the best option for me is to have my food ordered online. 

Many people find ordering food online very expensive but there are new meals to try at GrabFood which are just within the budget. 

Here are my 5 delicious affordable meals starting at P99 from GrabFood Everyday Value Meals in the Grab app!

1. Tiger Bubble Tea – Classic Bubble Tea P125 

After a tiring day of teaching online, this is one good afternoon drink I usually get. The size is just perfect to quench my thirst and satisfy my craving for milk teas.

2. JM’s Shawarma – Regular Shawarma -P87

This can be my food for lunch or my afternoon snack. I like the combination of meat, vegetables, and cheese. You can also opt for an all-meat Shawarma which is good for P125 pesos.

3. Josephus Lechon Meal Regular – P115

I can now eat Lechon even if there are no parties or big celebrations. The size is perfect for one person and it will truly make you feel BUSOG! This is one good yummy lunch for you to try.

4. Butchers Best Original Sisig – P185

This is one of the best Sisig in CDO. I love to eat this during dinner together with my husband. This dish is good for 2 to 3 people. 

5. Batchoy – Lugawan Bulalohan sa La Creolle – P60

This Batchoy is a perfect afternoon snack. The serving is good for 2 to 3 persons and it is very affordable. 

How to Order?

You can try this too! Just use the GrabFood app, click the Starts at P99 tile and search for the food that you want. Not only will you enjoy affordable meals, but you will also get promos every day in the app. 

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Make Awesome Moments Count with Samsung’s Newest Galaxy A04s

by Bogie September 20, 2022

Make awesome moments count: Samsung’s newest Galaxy A Series smartphone delivers awesome value for awesome moments

Holiday season is upon us. And while the pandemic still lingers, the season of ‘ber’ months remains to automatically shift people’s moods into celebration mode. It’s the most ideal time to make awesome memories, especially for Gen Zs who are returning to school for their face-to-face classes and are experiencing festivities outside virtual screens after more than two years of isolation. If the pandemic taught them anything, it’s to make every moment together count. 

For Gen Zs, this season is an awesome opportunity to make up for lost time with friends, catch up on experiences, and discover their place in the world. More than ever, it’s the time to capture memories and make every moment last. Hence, it’s important to have a reliable companion that can help express oneself freely and immortalize these wonderful experiences. 

This is why Samsung is introducing a new addition to the Galaxy A Series: the Samsung Galaxy A04s. This smartphone balances affordability with great functionality, allowing the young generation to make more memories and stay connected wherever they go.

The Galaxy A04s can turn casual hangouts, spontaneous out-of-town trips, or even lazy days into remarkable memories that one can look back on with its 50MP Triple Camera. There’s also enough space for thousands of photos and hours of videos since its 128GB of internal storage can be expanded by up to 1TB. This means there’s more than enough room for apps and modules for school or work, with extra space for all the memories users want to remember.

For a generation that’s known to be true digital natives, having a device that can keep them connected all day long is essential. With the latest Galaxy A device’s long-lasting 5,000mAh battery life, browsing, playing games, or watching movies are staple daily activities that can be done with no interruption.

And the best part? It’s awesomely affordable at only PHP 9,490 SRP to empower Gen Zs to make more memories and share them with the world. 

Stay tuned for the launch of Samsung’s latest best-value device, the Galaxy A04s, available soon in all Samsung Authorized Stores, and online platforms. 

Know more about the Galaxy A04s via samsung.com/ph.

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