Follow this guide to making the most out of your time and money.
- Do your groceries in the morning or before people leave for work, when the stores aren’t crowded yet.
- Buy vegetables at the wet market very early in the morning, when crops are abundant and at their freshest.
- Fresh bread is sold at 30 to 50 percent off at least an hour before a mall’s closing time.
- Shop for rings and shoes during the afternoons, when fingers and feet swell, to get a better fit.
- Christmas decor are sold at the lowest possible prices right after the season.
- The latest toys and gadgets also abound during the holiday season. They usually come out late November to early December.
- Stock up on school supplies as early as April if your child’s school already gave out a list of items.
- Go to the bank as soon as it opens. Avoid lunchtime. There are too many clients and only a few tellers present. Pass up Fridays, the 15th of the month, and the end of the month for tedious transactions.
- Deposit checks early. Any discrepancies, like erasures or post-dated checks, can be easily addressed. Don’t try to beat the bank’s cut-off time, either. Since it’s normally between 12 to 12:30 p.m., there will surely be a lot of people.
- Avoid ATM withdrawals from 3 to 4 p.m. when the banks do their balancing. You’re more likely to encounter off-line machines or “no available cash” errors. Don’t withdraw money or pay your bills during paydays, holidays, and bonus days.
- Online or Internet banking is best done when you have finished more urgent items of the day, normally at night or early in the morning. You lessen the potential for errors and enjoy faster loading times.
Be Efficient At Work
- Deal with tough tasks early in the day, when your energy level is high. your brain can think through details more systematically.
- Check your e-mail towards the end of the day, especially after an out-of-town trip when correspondence has piled up. reading messages early will have you spending the rest of the morning going through your inbox.
- Set meetings early in the week to allow others and yourself time to arrange your schedules.
- Make or return phone calls as soon as possible so you have more time to finish projects.
- Ask for a salary raise in the middle of end of the year, when your performance can already be evaluated.
- Enjoy a stroll after sunrise or dinner, when the ambiance is better.
- Have a mammogram a week after your menstrual period, when your breasts are not too sensitive and the procedure won’t be as uncomfortable.
- Have laboratory tests done first thing in the morning, especially if they require fasting for at least eight(8) hours.
- Exercise during the early part of the day to help raise your body temperature, shake off sleep, and make you more alert.
Travel Without Worries
- Buy airline tickets during the off-peak season. Midweek flights are also cheaper. Book your trip at least two (2) months in advance to get special fares.
- Gas up before leaving the city. Petroleum can be more expensive as you go farther from the metropolis. A full tank will ensure fewer stops at gas stations.
- Head for the beach around September or February. They’re less crowded and the resorts offer more affordable rates.
- go on vacation when there’s a long weekend.
Make Household Chores A Snap
- Do general cleaning right after breakfast, when you are most refreshed after a good night’s sleep and the kids have gone off to school.
- Water your garden in the morning or late afternoon to preserve more moisture and conserve water.
- Plant new seeds or transplant cuttings early in the morning, when the ground is still soft after a gentle shower of dew.
- Iron clothes in the late afternoon or evening, when most of the day’s heat has gone.
- Prepare for a party the night before. Chop carrots, onions, garlic, etc. Marinate the meat, mix the salad, or wrap the lumpia and siomai in advance. Store them in a covered containers inside the refrigerator to save time the next day.
Build Or Renovate Your Home
- Paint your house between March to May, when paint dries faster.
- Build a house during the months of September and January, when prices of raw materials haven’t gone up yet. Avoid starting construction in the summer, when prices are very high.
Buy And Maintain Your Car
- Reserve a unit from the dealer as early as possible if you’re planning to buy a just-released car model. The first 100 units usually have all-imported parts, interiors, and bodies.
- Buy a car towards the end of the year, when dealers are more agreeable in giving discounts or advantageous financing schemes. They want to sell all the old stocks. it is also good to buy from December 28 to 31 because the LTO will assign the following year as your car’s model.
- Go car shopping early weekday mornings, when dealerships aren’t crowded.
- Wash the car early in the morning to prevent streaks. For a more glossy finish, let the wax set for at least an hour before wiping it off.
- Go for a tune-up when your mileage reaches 5,000 kilometers or every three (3) to five (5) months. If you’re using synthetic engine oil, you can stretch it to 10,000 kilometers. Take note of your vehicle’s tune-up schedule. Read your service manual, too, because every brand has its own timetable.
- Sell your car after three (3) to five (5) years, when the manufacturer’s warranty has just expired and the car’s value is still high.
- Invade the malls right after it opens; you’ll get to window-shop at a more leisurely pace. Friendlier salespersons, no lines at the counter, and a lot of parking spaces are plus points, too.
- Go to the salon early in the morning, when stylists can fully concentrate on you.
- Have an early or late lunch or dinner if you plan to have it in a restaurant. This way, you won’t have to wait for a table.
- Surf the Internet or download data early in the morning or late at night, when there are few users. Get value for your money with surf-all-you-can promos. Some ISPs offer them from midnight to around 8 a.m.