At the mall:

“Malling” is a Filipino activity that can make you spend for things you don’t really need. Only go to the mall when you need to buy something.

When you go shopping, take some cash. You can use an installment financing or a credit card for big purchases like appliances and furniture.

Take advantage of 0% installment offers that allow you to make big purchases without making a huge impact on your monthly budget.

Buy good quality furniture and appliances from reputable stores. Compare different brands of the type of furniture and appliances you want to buy to get the most value for money.

Always ask the salesperson if there is a discount. Sometimes, you may be lucky and get 5% or 10% OFF, which is still better than paying full price.

It pays to plan ahead. Buy clothes when they are on sale at the end of a season, not at the start of season.

Sales are good, but don’t impulse-buy something just because it’s on sale. Ask yourself if you would have bought it if it wasn’t on sale.

Carefully inspect each item before you make your purchase, to make sure they are free from defects.

Always keep your receipts in case you need to return something you bought.

At the grocery:

Go to the supermarket with a grocery list of the items you need to buy to avoid impulse buying.

When shopping for fresh meats and fish, shop at the wet market instead of at the grocery.

Never shop at convenience stores unless it is an emergency. Base your menu on the grocery ads to take advantage of sale items.

Scan the supermarket and get the most value for money with deals like “Buy 1, Get 1 FREE, “Save P5,” and other similar offers.

Compare prices and discover other brands that offer the same quality but at a cheaper price.

Buy large quantities of things you use a lot, but make sure these items are “non-perishable” and will not go bad quickly.

At the office:

Bring your own baon to work instead of buying food at the convenience store or eating out.

Save on transportation expenses and use public transportation whenever possible.

If you bring a car to work, start a carpool to save on gasoline expenses.

Thinking about what to give your officemates for the holidays? Give them homemade gifts.

When buying office clothes, avoid the trends. Buy classic and timeless pieces made from high-quality fabrics in neutral colors so you can mix & match.

At home:

Cook your own meals. Home-cooked meals are fresher, nutritious, and cheaper than delivery or takeout food.

Be your own handyman and do as much repair work yourself.

Use energy-efficient appliances and light bulbs to save on your electricity bill.

When bathing, save on your water bill by using a pail to collect water instead of using a running shower to take a bath.

Turn the lights off when not in use.