saving money


Whoever said that being healthy and fit is too expensive probably never knew what it’s really like to be healthy and fit.

You see, contrary to popular belief, being healthy and fit doesn’t need to be all that expensive. You also see, contrary to popular belief, being healthy and fit doesn’t need to be all that notable.

A penny for your thought? You can always be healthy and fit – and yes, while saving more effectively.

Another penny for your thought? That’s what will make being healthy and fit an expensive goal to be achieved – and yes, while saving more effectively.


Here are some ways:

Going Local

As compared to people who live a healthy and fit life by purchasing goods that sometimes go way beyond one’s normal budget, going local allows you to live a healthy and fit life by purchasing goods that sometime go below one’s normal budget. That’s because local products are (1) made in a natural setting, which can be seen by consumers in person; and (2) made in a natural way, which can be experienced by consumers in person – making for prices that are reasonable enough due to higher demands, but also quality enough due to higher expectations.

Going D.I.Y.

Who’d ever thought that going D.I.Y. can also make you healthy and fit? Aside from the fact that it’s a great way to save effectively, going D.I.Y. for you to be healthy and fit is a great way to save more effectively as you won’t really need to purchase goods. All you need to do is work on those materials that are already in front of you like those old doors that you can use as frames for your new bookshelf project in your bedroom, as well as use those tools that are only in front of you like those old ropes that you can use as seams for your new bookstand project in your living room.

Going Indoors

Simply put: If you want to save more effectively, make it a point to go indoors. Why? Going outdoors is a temptation itself for you to spend more than usual as you’ll be roaming all over the place and seeing all sorts of things, making you buy things to compensate for your time. Going outdoors is also a temptation itself to spend more than necessary as you’ll be roving around all over the place and experiencing all sorts of things, making you purchase things to compensate for your effort. Thus, you need to consider going indoors to make for a new (and highly effective habit) of resisting your urge to use those bills.

So, does this mean I can actually buy my favorite rowingmachine picks rather than paying a monthly fee in that new, but too expensive, gym downtown? Sweet!


Let’s face it.

If there’s one thing all of us have in common, it would be money. But with this, clear problems are being made with practically no clear solutions – even after many years of struggling with one. There’s the struggle of not being able to save early. There’s also the struggle of not being able to budget enough. There’s even the struggle of not being able to invest right.

Regardless, we have the power to overcome every struggle that comes with our dependence to money. We have the power to overcome the struggle of not being able to save early. We also have the power to overcome the struggle of not being able to budget enough. We even have the power to overcome the struggle of not being able to invest right.

And it all begins with a single step…and that is, to save more effectively.


Here are some ways:

Buy more local products.

Believe it or not, buying more local products is one great way to save more effectively.

This is because they are more affordable than store products due to (1) being freshly made every day, (2) being naturally made without preservatives, and (3) being made someplace where everyone can see how the product is made – making it more trusted by consumers or making it more demanded by suppliers, which ultimately leads to a local product being sold at just the right amount.

Do things by yourself.

Admit it or not, doing things by yourself is another great way to save more effectively.

This is because it is more affordable than hiring others due to (1) being able to choose what you want for the project, (2) being able to control how the project will be done, and (3) being able to do the project without spending that much on the labor force on top of the materials and tools – making it more sentimental for you or making it more valued by others, which ultimately leads to doing things being completed at just the right inclination.

A penny for your thought? Check out this saw.

Always remember, we have the power to overcome every struggle that comes with our dependence to money.

There’s the struggle of not being able to save early, which we can overcome. There’s also the struggle of not being able to budget enough, which we can overcome. There’s even the struggle of not being able to invest right, which we can overcome.

And it all begins with a few steps…and that is, to buy more local products and to do things by yourself.

Do you know any other ways to save more effectively? Let us know in the comments section below!

Let’s say you’re trying to finish a home project and you’re using your old log splitter. Then suddenly, while you’re having the time of your life, it breaks! The worst part is it can no longer be repaired! Obviously, you’ll start worrying about how you can complete the task when you know there won’t be a next time. Plus, you’ll be stressed about where you can get the money to buy a new one. However, if you have an emergency fund, you can remove all the worries, calmly check out the best electric log splitter out there, and purchase another!

Having an emergency fund won’t stress you out about unannounced happenings, which is why you need it.

emergency fund piggy bank

An emergency fund isn’t only beneficial when there are materials and appliances you need to repair and replace. It’s also useful when…

You had an accident

You can’t tell when you’ll encounter an accident, so you need a separate fund for your unexpected medical or dental bills. You might have insurance, but they don’t guarantee that you won’t pay a single dime. Other hospital operations and procedures aren’t covered by your insurance too, which means you’ll have to get some money out of your pocket. If you’re saving up for a brand new car or something else, getting money from your savings will be a pain in the ass. So, for uncontrollable events that could happen, it’s best to stay ahead of the game and save.


You need to repair your car

Auto repairs can take you by surprise. And most of the time, the amount of cash you need to spend for these repairs make your jaw drop. Using your car daily for transportation demands a lot of maintenance procedures from your end. Even if you think you’re taking care of your vehicle, you might fail to see a few parts that need replacement. Then you’ll just discover them once the car shows noticeable symptoms or starts breaking down. This is where the emergency fund enters the scenario. If you’ve allotted a few bucks for auto repairs, then you don’t have to disturb your savings or your credit card. Aim for less stress!

You need to travel immediately

As painful as it may sound, a family member’s death could be the reason for an immediate, unexpected trip. And of course, you won’t only pay for the costly late-minute plane tickets; you’ll need pocket money as well. If you’re a businessman, an emergency meeting outside the country could also cost a lot. Which is why, ladies and gentlemen, you need to start saving for an emergency fund.

flying plane


achieving goals

It’s one thing to set your goals. It’s another thing to achieve your goals. This is, most especially, when it comes to your financial goals.

You see, it’s not just about setting. More so, it’s not just about achieving. It’s about acting upon what you’ve set for what you’ll achieve.

The only question is: how?

Here are some ways:

Know the difference between needs and wants.

Food, clothes, house, electricity, water – these are needs. Gourmet dishes, expensive wine, designer bags, concert tickets, cable TV – these are wants. By now, you should know the difference between needs and wants. This is not just for you to identify what needs to prioritized, but also for you to focus on more important things like bonding with your family.

Begin a savings lifestyle.

Saving money doesn’t need to be hard. Thus, you need to begin a savings lifestyle. This will not just help you save more. It will also help you become more patient and more determined – and self-disciplined enough – to act upon your goals. What’s more, this kind of lifestyle is pretty much something anyone can do. All you need is to learn how to wait, learn how to persevere, and learn how to refuse.

Write it all down.

Your financial goals, your accumulated savings, your planned budget, your new investment – you should write it all down to help you get a clear picture on what you’re looking to achieve and how you’re going to act upon it. You should also write down every cent you’ve spent, in order to learn more about what triggers you in spending too much and knowing more about what prevents you in spending too much.

Do you know any other ways to achieve your financial goals? Let’s discuss more about it by sharing your thoughts on the comments section below!


If you have not been managing your personal finances as well as you want to, now is a great time as any to start working on it. It may seem like a daunting project, especially if you have trouble making your budget work. But the sooner you get more serious about your personal finances, the sooner you can focus on your financial security. Here are some ideas on you can manage your cash flow and save more for the more important things.

Never lose sight of the goal. Keep revisiting your goals. Focus on them. This will inspire and encourage you to work on your plans to achieve them. Use the money you intended for your short term plans or goals to do them. If you have been saving up for a trip, make sure that you do it when you meet your target unless there is a better use for the money you have saved up. More importantly, do not lose sight of your long term targets. Those are the big ones you really have to work on.

Prioritize your savings. Once you have determined how much savings you can make every month make sure to set aside the money for it before everything else. Have a savings first mindset. This can affect the way you make buying decisions. It could help you avoid spending on unnecessary purchases.

Learn more about how you can improve your finances. Make it a habit to evaluate your personal finance system. Review the progress you have made to grow your savings. Be on the lookout for income or investment opportunities that will boost your cash flow.

Avoid relying on your credit card too much. Leave your credit cards at home or limit the number of cards you carry around with you. This makes it easier to avoid spending on impulse. Check if it is wise to maintain several cards.

Live more frugally. You might be surprised by how much you can save if you start living more frugally. Cut back on expenses you can avoid. Prepare your own meals at home. Eat packed lunch and snacks at the office instead of dining out. If you love reading books, give bookswapping a try instead of buying new titles every time. Live with less and put the money on your savings.


Taking care of yourself should be non-negotiable regardless if you committed to living more frugally. You have to relax and pamper yourself regularly if you want to be more effective in everything that you do. While retail therapy may not be on this list, you will find that there are plenty of ways to relieve stress and take care of yourself without spending more than you have to. Some of the things may not even cost you anything.

Schedule a regular digital detox

Unplug your gadgets and go on a digital detox for a few hours. This will not only temporarily tune out all the flood of information that can get overwhelming t times. It will also help you save on power. Set aside an hour or more at least once a week to unplug your computer, mobile devices, and entertainment appliances. Use the time do whatever it is that relaxes you without your gadgets.

Explore green spaces near you

Step outside and spend time with nature. Visit a neighborhood or city park near you. Go for a stroll. Breathe and enjoy the natural scenery. Pack a snack or lunch for a picnic. Explore what activities you can do while you are there. You will likely find a lot of interesting things to do if you are willing to try. Many parks have facilities for outdoor sports like tennis and baseball. You may even find a bike rental facility and go for a ride around the area.

Catch up on some reading

Reading is a good stress reliever. Pick up that book you have not finished or find something on your stack that you have not read yet. Find a cozy place and settle in for a relaxing read. Pamper yourself with warm cup of chocolate, coffee, or tea. Indulge in some delicious cookies or cake while you read as many chapters as you can before your relaxation time ends.

Let your creative juices flow

Create pursuits are relaxing. And you do not have to be a certified artist to create something. Do something that you enjoy. Make art. Write a poem or essay, illustrate, or paint. Or you can start a creative project for your home. This will not only help refresh your mind and body. It may result to some creations that you could use.

Connect with loved ones and friends

Spend some time with your loved ones or invite friends over for a pot luck lunch or dinner in your house. This gives you a chance to catch up, especially with friends who may be equally busy for you to spend time with regularly.

Rest and sleep

Sometimes all you need is just a good rest and quality sleep. Take a break from anything and just use the time to rest. Soak in a scented or therapeutic bath and prepare for bed earlier than your usual sleep time. Ask family members to allow you some time alone. Put the do not disturb sign on your door and just catch up on some rest before you head back to the daily grind.


When it comes to personal finance, budgeting is a deal breaker. It could make or break your financial goals. Working on a budget at least once a month helps you get a good idea of how much you are spending and where you are going with your money. It allows you to allocate your resources and determine which items on the budget line you need to prioritize. It gives you an idea of where your current personal finances stand so you can make adjustments on your lifestyle, if needed.

Start your budgeting process with an end goal in mind. What is it that you are saving for? Are you aiming for something immediate or for the long term? Are you building a retirement fund? Are you saving money to spend for your dream vacations? Set your sights on your goals and work with them in mind every time you prepare your budget.

Review your money sources. Make a list of all your earnings from your job or investments. Take a look at the amounts coming in. Estimate how much regular income is coming in and make a separate calculation for the extra money that may be coming in from various works or investments.

Take a look at your cash flow. Understand and manage the flow of your money. Calculating your income is just part of it. You have to evaluate your expenses. List down all the payments you need to make regularly as well as all miscellaneous spending. Check all your financial statements and see which are costing you more money than you initially anticipated.

Put everything together and examine all the information you have. Review your income and expenses. Note the gap. Check how much you have enough left to save. Ideally, your budget should have a fixed amount for savings. If you are coming dangerously close to spending as much as or more than you are saving, you may have to start making the necessary adjustments. The goal is to minimize or reduce your spending and focus on how you can build on the savings you already have.

Be realistic with your budget. Avoid setting a budget that you will have a hard time following through. This will not only mess up the budget itself. It may also affect your financial goals. You do not have to make unnecessary sacrifices. Start slow and simple. Come up with something you can actually stick and not something you have to continuously adjust or fix.

Keep a record of your spending. Write down all expenses even the small ones that you may think will not have an impact on your budget. Review your record regularly. This will help you identify which areas you are doing well and which ones you may have to stop doing if you do not want to ruin your budget.