Hey! Are you having a hard time saving money? That's my dilemma too before. I learned this amazing tactic on how to save money in one of our seminars before. The speaker told us to answer three simple questions if you're planning to do/buy something:

1. Gusto mo ba?
2. Kailangan mo ba?
3. My pera ka ba?

If the answer to these questions is NO/NONE, then step back and think twice. 

I will give you an example:
I want to buy iPhone 11 because I want to join the bandwagon. 
I have to answer the three questions:

Gusto ko ba? YES!
Need ko ba? No :( I have my OPPO Reno 2F
My pera kaba? Yes! 

So, I stayed loyal to my phone right now and I saved almost 50k to 60k. Yay! ahaha! Happy Tuesday!