My Top 30 Money-Saving Tips for Bigger Savings

Apr 26, 2014 | Money and Saving

Everything changes when you have your own family. When I was still single, I don’t care about household expenses and savings. But when I started my own family, everything changed. All of a sudden, I care about money, budget and savings. I may be a new mom (and a new housewife too) but I definitely learned a lot in my almost three years of married life.

Here are some of the money-saving tips I learned and discovered which you might find useful.

Photo from

Photo from

On shopping – 

1) Always make a list – and stick to it! There is a tendency to go overboard once you’re in the grocery. If you really want to save, then stick to the essentials. I allot a few hundreds for my and my husband’s cravings but that’s it. Apart from that, I just buy what is needed.

2) Don’t bring the kids. This is a big no-no when you do the grocery shopping. Every time I bring my toddler in the grocery, I can’t help but buy everything she points at to avoid a “scene” instead of sticking to a list. Plus, it’s difficult to say no to a two-year old.

3)  Buy in bulk. It is cheaper, more convenient and lasts longer.

4) Compare prices. There are a lot of similar items yet the price differs. Like for me, I buy 6-liter Summit mineral water for P62 instead of Absolute at P70. That’s still savings.

5) Look for promos. In our local store, there are packaged items that can be bought for a price of one. For instance, I buy chicken cubes with free evaporated milk at P54 instead of buying the usual chicken cubes for the same price.

6) Go for items that can be refilled. I use Johnson’s Baby Bath for my kids and just buy the refill every time I rain out of soap. That’s still P20-P40 savings.

On house and household items –  

7) Dilute the dishwashing liquid and other cleaning items with water. Trust me, it’s going to last longer.

8) Cook your own food. It’s cheaper, healthier plus you can cook and eat as many as you want without spending thousands of pesos for every serving.

9) Include vegetable in your dishes. This is a simple trick we’ve learned to budget our food consumption. Adding vegetables in the dishes will reduce the use of meat and chicken and at the same time, it is healthier too.  

10) Re-use and recycle. We re-use the water for bathing or sterilizing or the last rinse in the laundry to water the plants or to clean certain areas in the house. If you think you can still use something, then do it. It will save you some cash too.

11) Check your home for leaks. I have been a victim of this for many times already. There are instances where our helpers don’t tell us about leaks in their bathroom and we’ll be surprised when the water bill comes. As much as possible, check all the toilets and faucets for leaks. This can save you a few hundreds which can translate to savings.  

On utilities – 

12) Avail of the cheapest package for cable TV. Why subscribe to P1,599 with hundreds of channels when the P499 with 50+ channels will do? Plus, you won’t watch all of it anyway.

13) Look for a reliable yet affordable Internet service provider. And don’t be lured by promos and packages which you won’t be using.

14) Turn it off and unplug when you don’t need it. This is an old trick that works every time.

15) Open your windows. This allows more air and light to come in. Just make sure your windows has screens so you don’t have to worry about mosquitoes and other unwanted species roaming around your home.

16) Train your household help to save. Saving is a collective effort. If you really want to save and budget everything, include your household help and teach them the proper ways to do it since almost all of them don’t care about it.

On kids – 

17) Avoid buying expensive things. This may be difficult but I learned to stop buying P2,000 worth of shoes which they will only use for two months.

18) Don’t say no to hand-me-downs, especially when the clothes and shoes are still in good condition. I was lucky my cousin gave me her daughter’s clothes which were used once or twice. At least I don’t have to worry about my kids’ outfits anymore.

19) Use cloth diapers. Unlike disposable nappies, cloth diapers are one-time purchase which can be used over and over. What would you choose, 10 cloth diapers at P300+ each (which you will purchase once or twice, depending on how much you need) or P400+ a week for disposable diapers?

20) Potty train your tot. This will help you save a lot in disposable nappies. Plus, toddlers need to learn this skill too.

21) Breastfeed. It’s healthier and for free. And if you really want to get your shape back, breastfeeding can help a lot.

22) Invest on trusted brands and products that will last longer. When it comes to your kids, you want to make sure you’ll provide them with products of superior quality. At the same time, these products should last longer. For me, I use Pigeon and Nuby feeding bottles which both of my kids are able to use. Instead of buying a foldable crib, I went for wooden crib which can be converted into a toddler bed too – and I still have it until now.  

On personal needs and wants – 

23) Don’t splurge when it is not needed. I know how hard it is to buy that shoes or top. After all, we all deserve that, right? But if you will buy a new top or bag every week, that’s where the problem lies. Hence, always ask yourself, “do I really need it?” If you have reservations, then just don’t buy it.

24) Control the urge to eat out. My husband and I loves to eat out until we realized how much money we are wasting. We spend thousands in just one sitting and end up saying how home-cooked meals tastes better than the one in restaurants. A dinner in a fancy restaurant is okay. Just don’t do it everyday.

Additional money-saving tips – 

25) Use cash instead of credit card. The rule is simple. Don’t spend on something using money you don’t have. If you can’t afford it now, don’t buy. Credit card companies charge interests (yes, it comes under the term “finance charges”) especially when you don’t pay your bill in full. As much as possible, always, always, always pay in cash.

26) Pay the bills on time. Otherwise, you’ll be charged with interests that you’ll end up paying for more than what you actually purchased.

27) Track down your weekly expenses. This allows you to monitor your spending and see where you can cut back.

28) Look for alternatives. There will always be a choice between one or another. The good thing is there are alternatives which are more economical yet are durable too. So before you buy anything, think about which option you can save more without compromising the quality. An example of this is gym membership. Do you really need that thousands-worth of monthly membership when you can just jog around your village for cardio?

29) Schedule your spending. This is another technique my husband and I developed. Yes, savings are very important but we don’t deprive ourselves and still allot something for our personal needs too. The thing is we just schedule our date nights or expenses. This way, we are able to control our spending and develop discipline among us which we can pass on to our kids.

30) Practice self-discipline. All of these are useless when you cannot even control yourself and your spending.

How about you, mommies? What are your money saving tips which you can share? Leave a comment and let me know! This can help other readers too šŸ™‚


  1. Michelle Solee (@michisolee)

    I agree with your tips. But I don’t always pay in cash, I prefer to use credit card for cash rebate. šŸ™‚

  2. Marie

    Helpful tips, though I’m a huge spender, I’ll try šŸ˜‰

  3. kareen liez datoy (@blessedliez)

    Of the tips you have here, I cannot promise number 2! It is indeed true that once we bring the kids with us, we could spend more. But I always bring my daughter everywhere I go! Maybe next time we can avoid this already when we get her a nanny. Great tips!

    • momhandsarefull

      Hi Mommy!

      Thanks and I hope you found the tips useful šŸ™‚

  4. Ma.Me.Mi.Mommy

    These are very helpful tips! I also tend to use credit cards more for their perks like rebates and freebies than cash. Just make sure to pay them on time to avoid penalties. On the cloth diaper, I’ve tried using it but didn’t last long haha. Too many diaper changes but I only have a few liners. hehe. My question is does the cost to wash the cloth diapers not offset the savings from disposable?

    • momhandsarefull

      Hi Mommy!

      I’m glad you found the tips useful šŸ™‚ And I have to agree with you on the credit. it’s okay to use it as long as to pay it in full and on time šŸ™‚

      Regarding the cloth diapers, it turns out I was able to save more when I used the cloth ones. My youngest uses the pack of 32 EQ diapers and surprisingly, it can last for more than a week. Our water bill didn’t increase din naman šŸ™‚

  5. Janice / The Roller Coaster Ride

    These are great tips. You’ve definitely learned a lot. Being a mom really teaches us a lot of things, right? We really have to be money savvy.

  6. Que Sullano - Gavan

    Nice tips. When doing grocery shopping, since I cannot leave my son alone at home, I make sure that he adds something to the grocery list and that whatever is on our list we stick to it. It works naman.

  7. Liz A

    Great tips. I tend to overspend myself but when I do groceries, I buy in bulks and look for promos too. And I try to stock up on necessities so on the next grocery run, I can cross those that are still in stock off my list… šŸ™‚

  8. lally

    these are great tips. Thank you for sharing šŸ˜€

    • momhandsarefull

      Thanks! I hope you found the tips useful šŸ™‚

  9. Celerhina Aubrey

    I follow some of your tips. Others, I’m working on it! Hahahhaha! And I super agree on “train the help” or your family members for that matter to save! Naku. Sa amin, porket hindi sila nagbabayad walang nagtitipid lalo na sa kuryente.

    • momhandsarefull

      Yayas talaga are extremely wasteful, even when it comes to little things. Hindi nga naman kasi sila nagbabayad kaya careless. Kakainis!

  10. Arge

    Thank you for sharing your money-saving tips and tricks šŸ™‚
    My husband and I prefer to use credit cards for rewards but we buy only the essentials and allot some for cravings, too šŸ™‚

    • momhandsarefull


      I never tried redeeming rewards using my credit card. The truth is I’m not very comfortable using it since I might go crazy. Lol! šŸ™‚

  11. Ma. Yvette Heart (@mayvetteheart)

    I agree to all tips, but true I envy those moms who can breastfeed your children šŸ™ I wish I can. You always give your best tips sis Ayi šŸ™‚

    • momhandsarefull

      Thanks Yvette! šŸ™‚

      Breastfeeding didn’t come very easy to me. It took me a while before I was able to do it properly šŸ™‚

  12. Louisa Mercado

    Those are great suggestions and I follow most of them myself. I always pay in cash. If I can’t then I can’t afford it.


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