10 Financial Tips that I do to Save Money

photo grabbed from ecx.images-amazon.com

I’m now halfway to my 20’s and it is hard to admit that I am not getting any younger but have low net worth, less earning income and zero property. Last year, I started saving money for my retirement plan and for purchasing future property or for venturing into business. I am now on the verge of aggressively increasing my savings and these following tips really help me to achieve it:

1.       I record all my expenditures every month to easily track down which expenses I need to minimize or avoid spending.

2.       I am an impulsive buyer before but now I try to control it by categorizing the product or things that caught my eye if that's a necessity or not.

3.       I eat out one fewer time each month.

4.       I avoid going to the malls during payday.

5.       I do my shopping during sale.

6.       When I do my grocery, I bring a list with me and I stick to it. I also make sure that I am not hungry or else I might purchase things that I don’t really need.

7.       I bring my packed lunch to work.

8.       During payday I take off 10%-20% off my net income to put into my savings account. This one is the hardest thing to do but it makes me happy when I know I got to save more for that month.

9.       Live a simple life. Don’t be a snob or purchase things that are expensive especially if you can’t afford it. I learned this mantra from our former sr. accountant of the company I am working right now.

10.   I watch my savings grow and it gives me a satisfaction that I am on the right track. I giggle when I reach or meet my target amount quarterly.

I hope those tips I mentioned above will also inspires you to save more and be financially free from debts! Why not share your saving tips on the comment section below so that we can discuss it.

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Loreal Anti-Freeze Serum Leave On & 6 Reasons Why I like it

I have unruly hair and if you happened to be one of my closest friends you would know that I'm super addicted on using hair serum! It is timely that I run out of Etude House hair serum and the shopping hormones was activated in me that day. I went to Watson’s and Loreal Anti-Frizz Serum caught my eyes.  I guess it was love at first sight that I immediately run to the cashier to pay for the product. Hehe.

L'oreal Smooth Intense Anti-Frizz Serum Leave On
(Sorry for the bad resolution of the photo because I shot it using my dinosaur phone)

It has been two weeks since I am using it and I find a tremendous result in my hair. Here are my top 6 reasons why I like the product:

1. It has this subtle floral scent like jasmine.
2. It is not sticky nor oily when I apply it on my hair.
3. My hair becomes less rebellious and easy to manage.
4. It gives my hair a mild shine minus the oily wet look.
5. It is cheaper I bought it at Watson's for 345 pesos! It is more inexpensive than the Etude House Hair Serum.
6. It has Argan oil which is very good on hair.

Do you have any hair serum that you use in your hair? Share your stories in the comment section below.

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