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Tipid tips: Di ko dinadala yung credit card ko kapag nagrogrocery. Meron na akong listahan ng mga items na kailangang bilhin and dinadala ko lang yung exact amount tapos may kaunting extra. Kapag kasi dala ko yung credit card, hindi maiwasang bumili ng mga grocery items na hindi naman kailangan at labis. :)

Before, I enjoyed using credit cards. But now, it's a big no-no for me already. I've tried maxing out how many cards and I don't want to do that ever again. It's always good to pay in cash. It helps me to become more disciplined and practical at the same time.

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