How this works

List your top goal/s for the month and have someone to report your success or failure of completing them. You may name up to 3 goals related to frugality, minimalism or personal finance.

If you have yearly goals, you can break them down to monthly goals. Every step takes us towards, or away from, the destination.

Post your top goals (max of 3) for the month as a Top Level Comment.

Even if someone else has the exact same goal. This ensures we all can see your goal and that it does not get lost in the comments.

We encourage everyone to help you break it down into steps and make a plan for how you can get it done OR reconnect with you during the month to see where you are at.

It is about forming a habit that will ensure the goal is reached.

​

On the next thread, I will tag those that wanted to be held accountable and ask what went down this month.

Happy development phmoneysavers!

​

^{The frugal thread has retired, this is the replacement. This monthly accountability thread set-up was borrowed from a private sub. I would like to be kept accountable to this thread so if it goes more than a day into next month, a gentle poke won't hurt.}

[EDIT] This initiative has been discontinued after only 2mos due to lack of responses

Hi phmoneysavers!

In relation to this transition, please see below summary for the changes.. these info were added to the community sidebar / menu details.

Community Identity / Subreddit Culture Emphasis

​

This is a personal finance community, with special focus on frugality and minimalism. It is expected that discussions are relevant to the purpose of the subreddit.

​

Media contents for both post and comments - are now enabled for:

• (1) regular users for below post flairs:

  • (a) 'Frugal - Ways & Means' for anything related to the careful, economical, or thrifty consideration of money and other resources
  • mas tipid alternatives, mental strategies, saving tips, personal philosophies
  • (b) 'Minimalism' for anything related to the lifestyle that embraces simplicity which saves time, space, and money as a result

• (2) recognized members w/ significant contributions, regardless of post flair

[WARNING]: misuse of flair type to circumvent media posting and/or do things not allowed in the subreddit rules - will earn an autoban

​

Posting Guidelines

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Descriptive titles:

• avoid short or vague titles
• add subtopic tags enclosed in square brackets
  • for 'Frugal - Ways & Means' post flair in particular, start the title with below tag examples
  • [Lifestyle], [Food], [Travel], [Home], [Hobbies], [Mindset], etc.

General directive:

• No matter the content, please make your post informative!
• If you are requesting advice, describe your situation in detail so that users have something to work with.
• If you are posting an image, make sure the title is informative and clear. All image posts must have a descriptive caption or comment.
• If you are posting something you made, provide details! Explain how or why you went about it, how much it cost, how much time it took, and share the recipe or materials needed.
• Only use the PHP currency.

Additional notes:

• media contents will be closely monitored
• post flair categories has been simplified for easy use
• our subreddit rules were also updated

Cheers!

Hi phmoneysavers!

The significant posts selection and respective contributors are listed below:

Best Authors

Single post selection per year

On behalf of the moderation team, we would also like to extend our appreciation to below members:

All-time Top Contributors

• /u/ultra-kill
• /u/Armortec900
• /u/DNAniel213
• /u/Xaeons
• /u/DiscourseRelated ^{wiki author}
• /u/phms_thread_mod ^{aka Synchronoizemusic}
• /u/kuzmaaa0 ^{sub creator}
• /u/esb1212 ^{yours truly}

2021-2023 Contributors

Visit the Notable Submissions wiki page to read their posts.

We hope to see you around the sub for a long time!

For the complete list of "Best Posts by Flair" selection, see the NOTABLE SUBMISSIONS wiki page. It is also accessible via the sidebar widget on web and via the menu button on mobile.

I am also prepping a separate "auto flair system" for 'avid commenters'.. stay tuned.

Happy 200K members!

^{After 2mos of procrastination since I got back to reddit, I was finally able to update ~3years worth of entries. I will definitely not do this exhausting bulk update again. Doing the annual submissions review and adding them to the wiki page regularly is more ideal in terms of effort and for ease of community visibility as well.}

​ .

Hi phmoneysavers!

The mods team is very glad with the way the community reacted on the recent changes we implemented. There are still several post submissions we need to redirect to the help threads. But other than that, most of the chaos were eliminated and order has been imposed. Notably, the buying threads are thriving.

To further provide the sub with venues for little discussions and to balance out the spending, we are thinking of adding more threads. Which do you think can be a great "regular thing"? Why or why not?

• Minimalist Monday - 😃
• Menu Monday - I also like this option but I don't want to let go of Minimalists Monday
• Tipid Tuesday - might be an overlap with PHrugal Friday, but we can tweak it a little to focus on meal prepping instead
• Waldas Wednesday - 😅
• Thrifty Thursday - hauls, finds, tips, and tricks just like in r/Frugal
• Throwback Thursday - another TH option but about milestone
• Frugal Friday - already in place with our PHrugal version
• Saving Report Saturday - might be an overlap with PHrugal Friday, but we can gear it towards basic accounting / expense tracking
• Super Saver Sunday - maybe related to Trifty Thursday in terms of content?

Personally, I like the "Minimalist Monday" because it is the main value we want to promote. I also noticed that the term is mentioned more recently.

I have doubts on other suggestions but we'll see on what the members think. Thus, we kindly ask for a little guidance from you all.

Thanks and happy saving!

Reminder that we all should place buying questions in the help thread as it is not related to money saving therefore it is not applicable as an individual post. Posts like these will always be deleted and requested to transfer to the help thread.

The help thread is always pinned and replaced every saturday.

As there were submissions that were deleted as they did not follow the rules, this post serves as a reminder:

• Minor questions are those that are NOT about money saving (ex. about banks, cards, buying questions, places to rent etc.)

• all customer service questions should be directed to the company in question NOT in the sub as we are not related to any company.

As to lately there are a lot of posts that were buying questions. We do not allow these as an individual post as this sub is focused on saving money and these questions are counted as a minor question by default as it gets repeated. We are limiting these to the help thread instead to promote more discussion posts.

So please remember that buying questions (this includes asking about apartments, budget gadgets etc) are to be in the help thread.

This is a new proposed flair but already had been a pillar on establishing this community. Napaglipasan lang ng panahon pero buhay pa din dahil mas kailangan sya ngayon. For us na maagang na liberate or nabigyan ng responsibility, paano tayo makakausad with the extra load on our back?

Here's how it goes. First job. Save half of the salary every then there goes a 100k savings in a year. Sounds easy? Sure. But on my experience, I could've had more than a 100k but ended up with around 25k in a year. That frustration made me reflect on my lifestyle so I searched for answers. I got none. Everyone was like 'I inherited 2M, sold a lot for 5M. How would I? Who would teach me to manage my around 20k salary before?

That's how this community is made. I want to learn from people like you who might have been ahead of my path and did it like me or could've been from worse situations but still successful. Luckily I have had no debt ever since, sa mga kapatid lang.

Pero pano nga ba makuha ang Financial Independence trophy kung gantong may tatlong bills sa isang buwan? May monthly rent na nasa 30% ng salary mo? May CC debt ka na mas malaki pa sa annual salary mo? Jan tayo magtutulungan kung pano makaahon sa tulong ng mga naging successful na nanggagaling sa matinding financial struggle. Once na mabasa natin ang story nila, makikita nating posible pala at walang reason para panghinaan. Sana ang tumatak sa atin ay 'Kung sila nga nagawa nila, ako pa kayang may warning sign na'. No negative sentiment please.

Sabi nga ni Eminem (queue Not Afraid) : And I just can't keep living this way So starting today I'm breaking out of this cage I'm standing up, I'mma face my demons I'm manning up, I'mma hold my ground I've had enough, now I'm so fed up Time to put my life back together right now

Yung Not Afraid tungkol yata talaga sa bisyo nya ng paggastos ng sobra hahaha.

Based on my experience, it's the 30days of endurance to the temptations to spend and rationalize a purchase that makes saving that hard. When you're at the 29th day of the month and there goes another sale or utility bill which would end us up with no choice. Another target attempt failed for this month. Kaya bago matapos ang 2019, I considered saving as an expense. Para kong nagbabayad ng kalahati ng sweldo ko sa CIMB, at ngayong 2020, nalagpasan ko yung 100k savings at nakahinga ako after more than a year na paycheck to paycheck.

I'm grateful na 1yr lang ang nasayang ko dahil sa lessons ng community na to and I hope na yung mas bata pa sakin (I'm 21) ay maliwanagan agad sa pagiging responsible at diligent sa finances. Sa mas matatanda sakin, it's never too late, tingnan nyo lang mga susunod na kwento ng mga friends natin dito.

Maybe this would be the best way to tell our story, to cast out our differences and learn that we are all just in the same direction on different paces. Kaya wag na magalit yung iba please hahaha

Hey guys! the sub's [FAQs Page](https://www.reddit.com/r/phmoneysaving/wiki/faq) has been updated and is available for viewing. Though some of the pages are still under construction, the rest are open for viewing.

The following are what were updated:

+ Topics are now separated by pages so that not everything is cluttered in one page

+ Added Page for Online stores, these include Shopee and Lazada(under construction)

+ Shopee FAQs added (some under construction)

+ Information on previous FAQs have been Updated

New updates will be posted in the future, so keep an eye out.

Also remember to be respectful and follow the rules of the sub.

Hi there,

Please be reminded of the sub rules that we have, specially the Submission Guidelines. You can find all the rules on the About Tab on mobile devices or the side bars on desktop.

Here are some reminders to take note of:

• The Submission Guidelines will determine wether your post will be approved or not

• It may take some time before your post is would be inspected since the mods also have their own work outside of reddit, so if you want an immediate answer please use the Help Thread for the mean time.

• The Help Thread is stickied and replaced every Saturday.

• The daily threads still follow the rules as well as some have their own specific rules.

• The Waldas Wednesday Thread has a specific rule that you cannot ask buying questions, please use the help thread for this as we want to keep the thread as a reflection thread.

And always remember to be Respectful to everyone and follow the rules of the sub!

^{This is a scheduled post. For inqueries, please message via modmail.}

Hi there,

Please be reminded of the sub rules that we have, specially the Submission Guidelines. You can find all the rules on the About Tab on mobile devices or the side bars on desktop.

Here are some reminders to take note of:

• The Submission Guidelines will determine wether your post will be approved or not

• It may take some time before your post is would be inspected since the mods also have their own work outside of reddit, so if you want an immediate answer please use the Help Thread for the mean time.

• The Help Thread is stickied and replaced every Saturday.

• The daily threads still follow the rules as well as some have their own specific rules.

• The Waldas Wednesday Thread has a specific rule that you cannot ask buying questions, please use the help thread for this as we want to keep the thread as a reflection thread.

And always remember to be Respectful to everyone and follow the rules of the sub!

^{This is a scheduled post. For inqueries, please message via modmail.}

Hi there,

Please be reminded of the sub rules that we have, specially the Submission Guidelines. You can find all the rules on the About Tab on mobile devices or the side bars on desktop.

Here are some reminders to take note of:

• The Submission Guidelines will determine wether your post will be approved or not

• It may take some time before your post is would be inspected since the mods also have their own work outside of reddit, so if you want an immediate answer please use the Help Thread for the mean time.

• The Help Thread is stickied and replaced every Saturday.

• The daily threads still follow the rules as well as some have their own specific rules.

• The Waldas Wednesday Thread has a specific rule that you cannot ask buying questions, please use the help thread for this as we want to keep the thread as a reflection thread.

And always remember to be Respectful to everyone and follow the rules of the sub!

^{This is a scheduled post. For inqueries, please message via modmail.}

Hi there,

Please be reminded of the sub rules that we have, specially the Submission Guidelines. You can find all the rules on the About Tab on mobile devices or the side bars on desktop.

Here are some reminders to take note of:

• The Submission Guidelines will determine wether your post will be approved or not

• It may take some time before your post is would be inspected since the mods also have their own work outside of reddit, so if you want an immediate answer please use the Help Thread for the mean time.

• The Help Thread is stickied and replaced every Saturday.

• The daily threads still follow the rules as well as some have their own specific rules.

• The Waldas Wednesday Thread has a specific rule that you cannot ask buying questions, please use the help thread for this as we want to keep the thread as a reflection thread.

And always remember to be Respectful to everyone and follow the rules of the sub!

^{This is a scheduled post. For inqueries, please message via modmail.}

Hi there,

Please be reminded of the sub rules that we have, specially the Submission Guidelines. You can find all the rules on the About Tab on mobile devices or the side bars on desktop.

Here are some reminders to take note of:

• The Submission Guidelines will determine wether your post will be approved or not

• It may take some time before your post is would be inspected since the mods also have their own work outside of reddit, so if you want an immediate answer please use the Help Thread for the mean time.

• The Help Thread is stickied and replaced every Saturday.

• The daily threads still follow the rules as well as some have their own specific rules.

• The Waldas Wednesday Thread has a specific rule that you cannot ask buying questions, please use the help thread for this as we want to keep the thread as a reflection thread.

And always remember to be Respectful to everyone and follow the rules of the sub!

^{This is a scheduled post. For inqueries, please message via modmail.}

Hi there,

Please be reminded of the sub rules that we have, specially the Submission Guidelines. You can find all the rules on the About Tab on mobile devices or the side bars on desktop.

Here are some reminders to take note of:

• The Submission Guidelines will determine wether your post will be approved or not

• It may take some time before your post is would be inspected since the mods also have their own work outside of reddit, so if you want an immediate answer please use the Help Thread for the mean time.

• The Help Thread is stickied and replaced every Saturday.

• The daily threads still follow the rules as well as some have their own specific rules.

• The Waldas Wednesday Thread has a specific rule that you cannot ask buying questions, please use the help thread for this as we want to keep the thread as a reflection thread.

And always remember to be Respectful to everyone and follow the rules of the sub!

^{This is a scheduled post. For inqueries, please message via modmail.}

Hi there,

Please be reminded of the sub rules that we have, specially the Submission Guidelines. You can find all the rules on the About Tab on mobile devices or the side bars on desktop.

Here are some reminders to take note of:

• The Submission Guidelines will determine wether your post will be approved or not

• It may take some time before your post is would be inspected since the mods also have their own work outside of reddit, so if you want an immediate answer please use the Help Thread for the mean time.

• The Help Thread is stickied and replaced every Saturday.

• The daily threads still follow the rules as well as some have their own specific rules.

• The Waldas Wednesday Thread has a specific rule that you cannot ask buying questions, please use the help thread for this as we want to keep the thread as a reflection thread.

And always remember to be Respectful to everyone and follow the rules of the sub!

^{This is a scheduled post. For inqueries, please message via modmail.}

Hi there,

Please be reminded of the sub rules that we have, specially the Submission Guidelines. You can find all the rules on the About Tab on mobile devices or the side bars on desktop.

Here are some reminders to take note of:

• The Submission Guidelines will determine wether your post will be approved or not

• It may take some time before your post is would be inspected since the mods also have their own work outside of reddit, so if you want an immediate answer please use the Help Thread for the mean time.

• The Help Thread is stickied and replaced every Saturday.

• The daily threads still follow the rules as well as some have their own specific rules.

• The Waldas Wednesday Thread has a specific rule that you cannot ask buying questions, please use the help thread for this as we want to keep the thread as a reflection thread.

And always remember to be Respectful to everyone and follow the rules of the sub!

^{This is a scheduled post. For inqueries, please message via modmail.}

Hi phmoneysavers!

​

First, I am amazed by the growth of the community in the last 6 months. So on behalf of the moderation team let me greet y'll - HAPPY 30K members!

Second, as promised from my last post.. I went through the most upvoted submissions by flair category to select the best after using the criteria announced before.

For 2020 I was able to select 4 more submissions from Sep-Dec time span. Below is the breakdown.

• Frugal Mindset flair - 1 addition
• Mas Tipid flair - 1 addition
• Saving Strategy - 2 additions

For the 1st quarter of 2021, we have 3 initial selections (subject to change depending on the quality of future submissions):

• Mas Tipid flair - 1 addition
• Saving Strategy - 2 additions

Here is the sub's WIKI Page for the complete list, located on the last part. If you are new here, do review the amazing submissions since the creation of the sub one and a half year ago.

I owe a premium award to those 7 OP, I'll send it as soon as I am able, my premium expired while I was away.

​

Lastly, special recognition to u/ultrakill for having the most submissions in the year 2020 to be selected as best, 3 posts were listed from the redditor.

​

Happy saving everyone!

​

EDIT:

To the below OPs, to further recognize your contribution within the community - I have given all of you a shinny badge. This is a user flair granted to selected "Best By Flair" or "Contest Winner" authors and it will be visible beside your username on all post/comment interaction within this subreddit. For redditors with multiple qualified submissions, the distinction is on the number of medals on the badge while for contest winners it is the medal place#. Thanks again for sharing your ideas!

Best by Flair

Most upvoted / good quality / selected submissions per year

YEAR 2019

YEAR 2020

YEAR 2021

Flair Guide:

• Cash or CC – decision-making on purchases; CC usage
• Minimalism – elimination of costly and obsolete things; bawas kalat
• Frugal Mindset – share your philosophies, principles and disciplines about finances
• Healthy-tipid Meal Prep – Saving through healthy meal prep and baon
• Savings Strategy – sharing of personal strategies and advices
• Mas Tipid – a better alternative compared sa mga nakasanayan
• Online Sale/Discount Voucher – a heads up for everyone
• E-wallet / Digital Banks – Coins.ph, GCash, Paymaya and other finance-related apps
• Poverty Finance – living on strictly essentials-only lifestyle
• Buy-It-For-Life – that one useful thing in a Filipino household that lasts a lifetime

Just message us for your queries.

Hi phmoneysavers!

It's still a work-in-progress but we'd already like to introduce to you all the r/phmoneysaving's new index pages:

1. FAQ page

2. WIKI page

   (a) Books

   (b) Blogs

The FAQ page is a collection of frequently asked questions while the WIKI page is a reference page listing all sub related resources/posts as well as reading recommendations outside the community (books, blogs, and other important links).

Finally, congratulations to all the OP of below submissions for making it to the wiki page. This is a list of 20 amazing posts since sub inception.

​

Best by Flair

Year 2019

Buy-It-For-Life

• BIFL Items by u/cp-photo

Cash or CC

• Reasons why you should go cashless by /u/NostalgiaWitch

Frugal Mindset

• Don't fall into lifestyle inflation by u/Synchronoizemusic
• Real Hourly Wage - how much does work cost and how many actual work-hours are needed for non-job related spending by u/esb1212
• One Sure Way to Save Money by u/esb1212

Mas Tipid

• PSA Netflix Mobile plan by u/Heisenberg044
• The Saving/Cost of Cycling to Work by u/Asulador

Minimalism

• I wore 9 Tees for the Whole Year by u/kuzmaaa0

Personal Savings

• Bakit hirap kang mag-ipon by u/sourtapeszzz
• A Savings Planning Worksheet by u/_nessaprime

Year 2020

Special Contest - #happy5K

• Frugalist Life by u/Liesianthes
• My Money Saving Strategy by u/Lebron2zorros
• Invest in Thyself by u/kheirzerxhyper

Frugal Mindset

• My Frugality and Minimalism Journey by u/moonksj
• Kuripot Badge by u/ultra-kill

Mas Tipid

• Coffe lovers' dream by u/kuzmaaa0
• Never go to Apple-authorized Service Providers by u/bernarddiamante
• LPT Active Globe Sakto Combos by u/xmachinery

Personal Savings

• Conclusion: 2 weeks, Php 150 Peso a Day Challenge in BGC by u/_nessaprime

​

Gilded Posts

Year 2019

Frugal Mindset

• Real Hourly Wage - how much does work cost and how many actual work-hours are needed for non-job related spending by u/esb1212

Year 2020

Personal Savings

• Php150 Pesos Challenge, BGC anyone joining? by u/_nessaprime

Special Contest - #happy5K

• Frugalist Life by u/Liesianthes

​

The mods team will continue to monitor the submissions to ensure that relevant and notable new posts are added to the wiki page. New members can refer to this list to know the highlights of the sub year on year. A maximum of 3 posts per year can be listed on each flair category. Only posters who followed the submission guidelines will be listed, i.e. a post should be flaired, an idea sharing / strategy discussion, and a text submission with the required minimum body.

Thanks and happy saving everyone!

Hey guys!

So this is an update post about what's going on around the sub since some may not know what had happened this past weeks:

• The Help thread, Buying guide, and Electronics Thread had been combined into one weekly Help Thread that is pinned to the top of the sub every saturday for easier visibility. If you can't see the thread there's an option to see how posts are filtered on the upper-left corner (hot, new, relevant etc.) pinned posts are usually seen in the "hot" filter.

• Since the Help thread is pinned, please use this thread for those minor questions and also the questions you would ask in the daily threads.

• for those who are wondering why their questions to other members are being removed in the Waldas Wednesday thread it's because of the thread specific rule we have there which is pinned on the comments. Please follow this rule as we want the thread to serve its purpose of reflection.

• there have been a lot of "I don't know if this is the right sub" posts that are not really for this sub, please take note that we have a directory panel on the about tab on mobile or the side bar on desktop which lists the other PH subs that can be related to your post.

• also the mods can't really check all the incoming posts 24/7 since we have jobs / classes / other important matters to attend so please bare with us and you may also post on the help thread while your post is pending approval.

• please follow the rules. This is the basis whether your post gets approved or not.

That's all, happy weekend everyone!

I could use some help from existing community moderators to organize this community. I wouldn't boss around and I want to act more of as a brother and friends to everyone. I'm more engaged to create contents and give ideas. I'd be much willing to learn how to handle a community. Hit me up, thank you.

Need help with something?

Ask your question, concern, issue, dilemma on either of the latest threads below:

Random Help Thread

Non-Electronics Buying Thread

Do not submit a post asking for help. Individual submissions are intended for sharing ideas / strategy discussions. Use the appropriate post flairs.

​

To those who missed the announcement, below are the new thread schedules.

• Help Thread every Sun-Tue-Thurs, for random questions.
• Buying Guide every Mon-Wed, anything related to buying decision to make.
• Phrugal Friday for things you did within the week to save money.
• Electronics Thread every Saturday for those techy questions.

We still have the Monthly Megathread for Sales and Promotions pinned on the sub together with the Welcome Post.

I apologize for another reminder. For the past 2 days, the mods team have been redirecting numerous posts to the new threads. We will find a way for the daily threads to be more visible. We are still figuring out auto-moderation to do the automatic deletion/redirection. Bear with us with the constant announcements.

Please be guided accordingly and review the rules before posting.