Frugal Honey

Budgeting & Saving

Sayonara Kyoto!

I’ve been looking forward to our July trip to Osaka & Kyoto for months now. In fact, I’ve talked about Japan so much that my friends and family are probably sick of hearing about it. But lately I’ve been feeling uneasy over the trip because of the possibility that we may not be able to afford it after all because: (1) I might be moving jobs after June, which means 2-3 months of no income; and (2) I’ll be dipping into our emergency funds for our spending money during the 11 days we’ll be in Japan.

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How to Open a BPI Save Up Account

One of the easiest way to save money, be it for your emergency funds, future travel, dream bag etc, is to automate it. The idea is to whisk money straight from your account into a separate account that’s intended for a special purpose, this way, there will be less temptation to get your grubby hands on your cash because it’s already gone (of course, it’s not really gone, it’s merely in a separate account from your regular/payroll account).

When it comes to automated savings, I cannot recommend BPI Save Up enough because not only does it make it easy to save, it also bundles life insurance with your ATM savings account. Aside from BPI, the only other bank I know that offers automated savings is Land Bank,* but the latter does not offer life insurance, making BPI the more attractive alternative.

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Expense Tracking

It feels so good to be writing again! The past few weeks have been super hectic and stressful, to the point that I was already suffering from an upset stomach and experiencing mild anxiety attacks. But I survived and I’ve learned that no matter how I try to avoid stress and stressful situations, they are part and parcel of life so I must find a way to effectively manage and deal with them. Another thing I discovered was that I do not succumb to stress eating, in fact I do just the opposite and have to force myself to eat in stressful situations. All the more reason to manage my stress, otherwise I’ll end up starving myself to death.

But at least it’s over and while I can’t scream freedom just yet because something equally challenging is looming ahead, I know that the worst is behind me and that I survived the trenches. Whew.

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The Privilege of Waiting for Death

Bro Harry

I visited a high school teacher at his retirement home in Dasmarinas, Cavite a few weeks back and I was dumbstruck when he casually told me that he was just waiting for God to call him. The conversation pretty much went like this:

Me: Brother Harry!

Brother Harry: Oh my! Hello! Hello you precious girl!

Me: How are you doing? 

Brother Harry: Doing fine considering everything and waiting for God to call me.

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Our First No-Spending Weekend

monopoly nights 2

This happened quite by accident. It was the weekend that followed successive school cancellations because of Typhoon Egay, hence, we had no choice but to stay indoors because of the bad weather. Surprisingly, we survived our very first no-spending weekend without going nuts or tearing each other’s eyes out. I’ll probably add to this list in time, but here’s what we did right to achieve zero spending last weekend.

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