Paano babanatin ang Piso. Para sa mga tulad kong uring manggagawa

(From my other Blog) Here are some of the things we do to save and make the most out of our hard earned Peso:

While Driving:

1) Do not set the thermostat of your airconditioning to freezing temperature. Set it at a level that is comfortable.
2) About a couple of minutes before reaching your destination, turn off the airconditioning but leave the blower on. Then set the thermostat to its coldest level. You not only rid the airconditioning system of unwanted moisture that can cause rust in the evaporator but you likewise save on gasoline that will be otherwise used to ran the airconditioning.
3) Look way ahead to anticipate speed bumps, red light, etc. Then shift to neutral and coast along
4) Car pool
5) Fill up in the morning as gas tends to shrink in volume when the temperature is low and tends to expand as the temperature rises.
6) Check your tire pressure regularly and inflate your tires 10% higher than the recommended normal tire pressure. Underinflated tires create more drag that leads to fuel wastage.

Leisure

1) Before going to the mall, eat a heavy meal at home
2) Buy things by bulk if possible to minimize trips to the grocery
3) Make a list of things to buy and stick to the list

At Home/Miscellaneous

1) If your airconditioning has no timer, buy two. I bought mine at "True Value" for about P 400.00. Put one timer on the airconditioning and the other on the electric fan. Set each timer so that the electric fan starts when the airconditioning stops.
2) Talk to your neighbor/s about sharing DSL connections. All those interested can share the cost of buying a wireless broadband router and share the monthly dues.
3) If you have internet/DSL connection, do not buy the paper anymore. Read the news online
4) If you have internet connection (dial up or broadband), use skype (http://www.skype.com/) to call your loved ones abroad. It is for free and the audio quality is wonderful.
5) Pay all your bills on time to avoid very expensive surcharges
6) If you have a good credit history, negotiate with your credit card service provider to waive the annual fees. We have had success here because we try to minimize spreading the payments over several months unless through a zero interest promo.
7) Maximize the consumable airtime on your mobile calling plan. My wife is on pre-paid while I am under post paid. Whenever she wants to talk to me, she contacts my number and then she cuts the call. I then call her back. Of course, Sun Cellular provides a better deal.
8) Use chikka to text (www.chikka.com)
9) Need instant cash? Check if you have been paying insurance premiums. They accumulate cash value and you can borrow money at low interest rates up to a maximum of 80% of the cash value of your insurance policy.

Please feel free to add to the above. I shall add to this list next time.