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Tip #46

new

Aldi gift card suggestion for the Holidays.
What could be a better gift!
Help your friends and family to watch their money.
#giftcard #giftideas #gift #gifts #giftsforher #giftforhim #aldi #aldideals #holidaygifts #holidayshopping #holiday #holidays #holidayseason #holidayvibes

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Tip #45
Guess what is my opinion on:
Black Friday
Cyber Monday
Holiday gifts: my secret
#blackfriday #blackfridaydeals #blackfridaysale #blackfridayshopping #cybermonday #cybermondaysales #holiday #holidays #holidayshopping #saintnicolas

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Tip #36

Walmart
Store delivery in three hours.
Home delivery in one hour.
Walmart beats Amazon on many levels.
#walmart #walmartshopping #walmartdelivery #walmarthaul #amazon #amazondelivery

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Tip #35

Aldi gift card suggestion for the Holidays.
What could be a better gift!
Help your friends and family to watch their money.
#giftcard #giftideas #gift #gifts #giftsforher #giftforhim #aldi #aldideals #holidaygifts #holidayshopping #holiday #holidays #holidayseason #holidayvibes

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Tip #34
Aldi is rarely more expensive
But sometimes it is!
Watch out!
#aldi #aldideals

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Tip #33

Flea markets: signicant savings opportunities.
Tips to further optimize your savings.
#fleamarket #fleamarkets #fleamarketfind #fleamarkets #fleamarketfinds#fleamarketshopwithme

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Tip #30

A saving box.
Budgeting towards savings goals.
Educate your children, this is a good subproject for them.
#unboxings #unboxing #savingbox #savings #savingsgoals

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Tip #29

new text

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Tip #28

Back to school K to 12.
Fight marketing, pressure, buy smart.
Educate your children, this is a good subproject for them.
#backtoschool

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Tip #27
Money leak or bleed.
Should a money leak or bleed impact or not your money discipline?
No!
#moneyleak #moneybleed #money

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Tip #26

new text

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Tip #25

Learn how to balance your budget by saving more money.
Especially on recurring expenses, so how you save repeats itself every week, month.
It adds up quickly.
My Recurring Cost sheet

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Tip #24

I came accross this post on Facebook and liked the spirit. Watch collectors all dream about expensive watches.
The author went out of his way to find quality watches for a fraction of the price.
What matters is the approach.
Credits The list


Click on the above photo to access the list

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Tip #22

The fridge as major saving opportunity in a household.
This is a recurring expense, so how you save comes back every month.
This is likely an easy one.
Fridge waste sheet

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Tip #21

Aldi employee is curious about the whereabouts of the Youtube channel and confirming what customers say about the savings.
Also showing products with large discounts.
In average 40% savings.
This is a genuine non promoted tip.
#Aldi #aldifinds

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Tip #20

Showing products with large discounts.
In average 40% savings.
This is a genuine non promoted tip.
Aldi employee is curious about the whereabouts of the Youtube channel and confirming what customers say about the savings.
#Aldi #aldifinds

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Tip #19

Aldi savings are going digital.
Printed ads still in the store.
In average 40% savings.
This is a genuine non promoted tip
#Aldi #aldifinds

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Tip #18

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Tip #17

Grocery shopping at Aldi.
In average 40% savings. For real.
This is a genuine non promoted tip
#aldi #aldifinds.

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Tip #16

Kill the money waste by changing your patterns.
Get outside help from a trusted friend.
Review or have reviewed your financial statements

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Tip #15

Ceiling fans on Amazon: https://amzn.to/4cg4nAP
A ceiling fan well tuned is the least expensive solution for comfort and energy bill. Let us talk about the ceiling fan direction switch. The benefits for you: more comfortable,saves energy.
a. In the summer season, your fan blades should be set to rotate counterclockwise when looking up towards the ceiling. Air is pushed downwards, giving a cooling "wind chill" effect to your skin. The speed controlled by the pulldown chain should be set towards the max to help with the wind chill effect;
b. Meanwhile, during the winter season, the fan should be set to rotate clockwise. It effectively pulls the cool air up and pushes warmer air down. The speed should be at minimum in order to move air effectively;
How: watch the video.

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Tip #14

How to effectively shop for grocery
Have a list of products to buy
Use a map/layout of the store

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Tip #13

How to repair:
Repair instead of throwing away
Repair the lighting / charging port on an iPhone

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Tip #8

eCommerce platforms
The tip is to shop among many platforms
Understand fees, shipment, compare prices, brick and mortar, etc.
eBay overall seems cheaper than Amazon, with a good buyer protection.
#ecommerce #ebay #ebayvsamazon #amazon

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Tip #7

Input

Loan amount: Term: Years
Down Payment: Interest Rate: %
  

Results

Loan amount:
Total Payments:
Monthly Payment:


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Tip #6
A viewer suggested topic, thank you Paula.
Credit cards: pay the balance in full!
Understand Fees, statement, balance, debit card, etc.

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Tip #5

MembershipS and Subscriptions can be out of control.
What matters: usage and duration. Also content that you enjoy. Alternative.
Fees: cost, termination, reentry

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Tip #4
A budget car can make a huge difference in your budget. Do not be fooled by the fully loaded options that you do not need. Financing is also very expensive.

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Tip #3

Looking for a tip to save on gas
It is easy, shop for gas and do not wait for the gas tank to be empty. On average, you will save 40cents per gallon. This is a genuine video, unsponsored. This is how I refill my gas tank.
Keep in mind that at a given corner, the gas stations are competing against each others and may go into a fight against each others that drive prices below the area market price (bidding war).

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Tip #2
Aldi grocery store: in average 40% savings compared to a regular grocery store.
This is a genuine non promoted tip.
#Aldi #aldifinds.


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Tip #1
Everybody needs to eat, right? And food is expensive. Wasted food is one of the largest human waste. Figures are staggering: 10% of global emissions come from wasted food, 1/3 of food is wasted. And this is your money.


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Welcome
Let us start with the beginning first. Welcome to the save make money project. This new phase of your life needs to be intentional. It will not be a fly by night. You will have to make changes to get there. We are a hard working family. All the tips are real life that we apply to ourselves. Look in the mirror, you will see the only person that can do it for you. After leaving my parents home with $50 of back then and no student debt. Everything we have created comes from these advises. The most important is the moral compas which leads all our initiatives.

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Save and Make

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Hi, I'm Philip

As a coach passionate about transforming people's relationships with money, I know what it takes to build wealth from scratch. After leaving home with just $50 and building a significant net worth, I discovered my calling: helping others achieve the same financial freedom.

My approach is judgment-free, practical, and personalized. I believe everyone deserves financial peace, regardless of their starting point.

100+ Households & Businesses Helped
$100M+ Wealth Contributed
50+ Years Experience

Client Success Stories

Real results from real people who took control of their finances

"When Philip first introduced me to this project, I thought, 'This is a perfect reflection of you.' The insights he shares are a direct extension of how he and his family live every day. There is no hidden catch, just practical, actionable advice for daily life."

MS

Michael S.

Entrepreneur

"During my term as President of 1-Tom, Philip mentored me. He was always very helpful and went above and beyond. Philip's contributions have been fundamanetal to our growth"

MR

Kameron H.

President

"Philip is very knowledgeable experienced and goal oriented. Trusted avisor, his analysis skills helped me focus."

MM

Marie M.

Business Owner

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