When Is Being Lazy Good

I find being lazy these days good for me. The word itself may always imply negativity but when you associate that word on things like how you can save money or how you can live a more frugal life, being lazy is really good! So, start being lazy :)

Crazy?

Here's why I am not crazy when I said start being lazy to live a successful frugal life:

Instance #1:

Working so hard can make you feel so tired at the end of your week. During your rest days, you just want to pig out, sit and relax (unfortunately, this may just apply to single woman like me :(  ). When you see the pile of your clothes you need to wash, it is like they are a big sad face begging you to wash them. Your left and right brain is going to start debating whether you are going to wash them or not. Or, just go to the laundry store to have them do this chore for you.

This is where my right and left brain starts debating again. If I go to the laundry shop, I will need to walk ten blocks from my place. That is a lot of walking! Then I'll get all sweaty or I'll get hungry and I'll buy a food on my way home. Aside from the fact that I already paid for the laundry shop of the chore I should have been doing. And I might also get a cab if I am too tired to walk my way home. Did I just spent 300 pesos for just an hour? That is already my budget for two days!

And yeah, with all those stuff, I gotten lazy already. So, I started to set up everything. The stool, the brush, the soap, the fabric conditioner, the pales and everything you need for manually washing your clothes. The part of just brushing of the clothes already gives your biceps some hard work. Plus, you were able to save 300 pesos worth of expenses.

(I do handwashing because I am really trying to save on the electricity bills - just in case you are curious why I do that!)

Instance #2:

Shopping is every woman's theraphy - even when she's sad or happy. I may not be a big fan of buying after shopping -- I do window shop though. Most of the times, looking back, eating at some not so cheap restaurant is my thing! I am guilty when I say I am taking pictures of everywhere I go - to document my memories just in case I had an early Alzheimer's (I hope not!).

I work in a place where everything around is me is not cheap. I cannot find a single meal which is cheaper than 50 pesos. Prices all starts there. So, what can I expect with the shopping and all? It'll slash out all my payroll salary!

Good thing is that my workplace is like 30 or more blocks to where I live - and I am not gonna walk that far to shop!The shopping malls are not literally near my place. I need to ride a cab or trike to go there. Thank goodness! I love to walk going to work, don't get me wrong! But if I am going to walk just to go the shopping mall and then walk for three hours just looking around and shop for anything -- I'll just stay home: sleep, watch my favorite cable shows or movies, do scribblings and read all my unread books / magazines in the house!

How much did I saved? Maybe 500 to 1000 pesos. That's how I spent then when I am going shopping for a day! Now, it is just a thing of the past.

There's still a lot of scenarios. This post might have a part 2 to 100. Just sit back and be FRUGAL.

Saving Tip #1: 100 Pesos Challenge

This one depends on your daily expenses to and from work. Mine, I can do that at 50 pesos but that will be eliminating the food and making sure that you have a packed lunch. For me, I am not doing that yet because I do not know how to cook and I also do not want to always eat fried hotdog, egg or whatsoever at work - talk about being healthy. It is not. But I am getting my way there.

The trick is first, live a basic life. Second, stick to your basic expenses.

How do I do that?

You need food to eat, air to breathe and of course a dress to wear. Plus your footwear, of course. Then, there is the fare to and from work. Let us stop here. You've got the basic needs. What else do you need? For others, if ever they need a money in case of emergency. However, emergencies are not an everyday thing. So, why think about it? And please, always think positive.

I always make sure to eat in a food court near our office. There is a restaurant where I can already spend 60 pesos for my food. The food serves two viands: any viands and the other one is a veggie meal. So, you can choose another veggie meal, seafood or meaty foods. It comes with a drink. Enough for you not to choke for choosing a very cheap meal for the day.

I still have 40 pesos on my pocket, right?

From our village, I can spend 7 pesos to reach the trike station to get me to the office. well, near the office. But, I can walk my way to the trike station provided that I walk up early so I can afford to walk without being late. So, I saved 7 pesos. I still have 40 pesos, right?

From the trike station, I have to pay 9 pesos. Now, this is quite far so this is really part of the fare everyday. This is also my way to go back to the front of the village. Now, I only have 22 pesos.

Going back to the village, I can choose to ride another trike that will cost me 14 pesos or just walk. Why not a little form of exercise? Walking is good for you. Aside from the fact that it is an early evening walk. Between 6PM-7PM. Not bad and still not scary, right?

At the end of it, I saved 22 pesos everyday. I already saved 5,000 pesos more in a year. The next thing you need to do is to stick to this kind of lifestyle everyday.

What about the snacks?

It is part of my grocery to buy snacks that I can bring in the office everyday. A bread or crackers will do. A 3-in-one coffee or any drink as your additional everyday survival is allowed.

Is it still bad?

Any other excuses?

What do you think?

On Saving and Earning

I've been preoccupied with a lot of things since i had my long awaited freedom. It wasn't until recently that I chanced upon an article that I knew I had to share with everybody who is into 'living alone' mode like me.
Budgeting is the worst headache you need to encounter as soon as your salary day comes. Everybody, who's not rich, knows this. But, it can also be your best weapon to survive before your next salary day comes.
We heard a lot of saving tips from our favorite online forums or magazine but this one I read recently really is 'The One' -- at least for me. Well, I think it is because that is what I have been doing for the past over 6 months and fortunately, it was working for me.
Here it is:
(To credit the original column of this (and not be accused of plagiarism - LOL!) you can read the entire article here: http://ph.she.yahoo.com/money-saving-tips-grandparents-214659212.html )

Live Within Your Means. Living within your means is something easily said and a lot harder to follow. To do it, it is just a question of making a budget and spending less than what you earn (net after taxes). The main thing is to focus on your needs, not your wants, because it is easy to let our impulse spending get out of control. In addition, our grandparents certainly knew how to avoid lifestyle inflation. If you have already lived happily with a set amount of money before, why change now? You will not really miss the extra income if you do not get used to it and it is a lot more satisfying to see your retirement account grow. "Use it up, Wear it out, Make it Do or Do Without"This rather catchy phrase was used quite a number of times during the Great Depression and is the perfect counterpart to the word 'frugal.'

Use it up. As a society that enjoys stockpiling, trying different things and always being dazzled by the next new must-have, it can be hard to shut out all the marketing noise. However, if you've stockpiled a whole range of products such as shampoos, use up your stash before trying a new brand or going out to buy yet another 10 on sale. Wear it outThe best example of this would be an automobile purchase. When you buy a car, buy it until it is absolutely worn out and destined for recycling at the junk heap. Don't fall into the trap of wanting a new car every 3 years just to keep up with the Joneses.

Make it Do.What you have may not be perfect, but if it is able to do the job with a little coaxing, don't bother buying anything. For instance, let's say you run out of your favorite brand of ketchup in the house, but you have an old generic bottle that has been sitting around for a while that you don't really like. Make it do by adding flavorings such as spices to change what you don't like about it. Do WithoutIf you simply have nothing that is usable, find a creative way to do use something else. Perhaps you ran out of that commercial fertilizer for your plants. Why not try making your own at home by using egg shells, which are full of calcium, or your old coffee grounds? It would certainly help the environment. Cook at HomeDuring the Great Depression, eating out was a rare treat. Today, it has turned from a treat to a routine habit, as seen in 2011 where 40.6% of American food budgets in general was spent on eating food away from home. If you must go to a restaurant, at least cut back on how frequently you go. Ask for water rather than an overpriced alcoholic beverage.

Free ThingsThere's no need to feel like staying at home is a punishment rather than a treat. Our grandparents were just trying to keep food on the table and didn't have the luxury of big-box malls to shop at. It can be nice to wind down and relax rather than always being on the go. Find free things to do like playing a sport with your friends, trying a new recipe at home, taking a book out of a library, or learning a new skill such as a new language that could potentially increase your earning income in the future.

The Bottom LineBeing frugal doesn't mean being cheap, it means being smart with how you spend your money so you are able to save more for your future. After all, you spent a lot of time earning it. Our grandparents know best.

The Start of Living Alone

I am already in my early thirties. I believe that I am a late bloomer. I have delayed reactions to things around me. When everybody's using make-up during my high school years, I am still fascinated with Sesame street and drawing images but I am far from being nerdy.

Boyfriends? I am a kind of girl who says hmmm ... he's hot but I don't really jump into just anyone who says they like me. It is also during my high school years when I declared I am not into relationships and not into commitments.

Funny, huh? Or more so unbelievable. At first, I didn't believe that i'll come to this point that I will love my freedom. That being single is not really such a bad idea ~ except for the norm that thinks you're not a complete woman because you haven't utilize your womb. Hahaha. I like the word - utilize.

And then the idea. The only single thing I haven't done when everything in my life is singular is actually living alone! This year, I will be working on it on a very limited and tight budget and I want you all to be with me on this journey of mine.

Hail to freedom! Hello independence! And hail to all the single girls!