Mga mommies pa-share naman ng tipid tips ninyo. Pwedeng sa food, electricity, dine out and others.

( 3:3 ) Malaking tulong din na may bank accounts na may mga specific purposes. Hal. yung isa pang daily expenses, merong pang emergency expenses, tpos pang "life goals" fund, ung isa college fund ng mga bata, ung isa retirement ganun. This will depend on what's your family's financial priority. You don't need to have lots of money to start, may mga accounts na 100-2,000 and initial deposits. Start with that, then kapag lumaki laki na yung laman or makaluwag luwag, pachange mo na sa regular account. Philhealth momsh. Not our first choice for health insurance pero kasi sa work ni hubby kasama na. Educate yourself about it para ma maximize mo yung benefit niya. Kapag patapos na yung year and hindi pa namin nagagamit nagpapageneral check up kami para hindi masayang kasi yung contribution may validity lang I think one of the main factor talaga para makatipid is to never take for granted your finances. Set your priorities straight and be diligent on your goals. Always look for ways para maka mura but at the same maganda rin yung quality and services that way you can really say it's a good deal. ^