For your second serving towards the road to financial freedom.
6. Withdraw from your own bank. Surcharge fee for withdrawing from other banks' ATMs could reach to around Php. 7-15.00. Remember, every peso counts. Just think of the health benefits you give to your heart each time you decide to walk that two blocks where your bank's ATM is located. Probably there's a view to enjoy too, on the way there. Thinks of ways to make the task lighter. Your heart - and your wallet (or even your eyes) - would give you a pat on the back for that.
I used to challenge myself to fill my piggy bank - a 2-liter empty bottle of mineral water - to the brim, with 5-peso and 10-peso coins. It would take me a lot of months to do that and what an exhilaration those milestones would be for me that time. Recently, although I still use the same piggy bank, it is not anymore my goal to fill it to the brim like before. As soon as I feel that I have a lot of coins - maybe filling a quarter of the bottle - I immediately deposit it in my bank account, so that my money could earn for me, no matter how small. I could only shake my head thinking about the number of months I have allowed my coins to "sleep" in the piggy bank. Again, lesson learned. Let us all allow our coins to "sleep" in the bank this time, safe in our savings accounts, and earning for us.
9. Bring packed meals to work. I do this each time I have the chance to cook. Sometimes, I just cook rice and then I just buy viand at the canteen. Packed meals are a great way to save.
I realized that being able to have an eye for good clothes or items in the thrift shop is a skill that one develops in time. I was not really good in choosing stuffs before but in time, I have developed my skill. Actually, if you just look closer and strive to be patient in scanning through the items they are selling, you can see that items in the thrift shop are actually made of good quality. If you are lucky enough, you might even get branded items at a very good bargain price. My family and friends are amazed when I tell them that which stuff I bought from the thrift shop. Aside from buying cheap quality clothing, the way you carry yourself counts a lot too.
To be continued.