Life & Leisure

7 Money Lessons My Ilocano Mom Taught Me + Giveaway

When people think of Ilocanos, it’s a common stereotype that they are kuripot ( stingy with money). Unfortunately, Ilocanos haven’t quite been perceived as generous or giving. However, I’d rather see this regional trait in a more positive light. Instead of stingy, I think llocanos are practical when it comes to handling money.

Take my mom, for instance.

My mom is one of the thriftiest people I know. I say that lovingly and with much admiration. She is frugal in more ways than one. Before she decides to buy anything, she spends a lot of time weighing whether it is a want or a need. She finds use for things that most people would throw away. I remember she upcycled two green wine bottles into pretty vases and used old Christmas ornaments as flowers. Ten years later, they are still in the living room of our family home.

This is not to say that she is not generous. I actually think thrifty people save more so they can give more. They skimp on personal luxury to afford provisions for their family. They figure out ways to cut out unnecessary expenses so they can do more for people with what they save.Besides, as  the poet Kahlil Gibran wrote,

“You give but little when you give of your possessions. It is when you give of yourself that you truly give.”

Growing up in an Ilocano household, my parents, my mom especially, have these sort of financial mantras, if you will, that I’ve heard over and over again. They are mentioned practically all the time:  when giving us our school allowance,  when we are at the mall, every time we spend too much time on the TV or the computer, when we forget to turn off the lights or water, when we are sick, when we are on vacation and anytime they feel like giving us a lecture on money matters.

Anyway, let me share with you seven of my mom’s favorite sayings. Some are borrowed from popular quotes and financial experts while some are her own.

  1. Save for the rainy days

Early on, my mom encouraged us to put some of our allowance into savings. Moreover, she used this line to discourage us from spending too much on our wants. It seems pretty effective since I have this at the back of my mind pretty much like my financial conscience.

  1. It doesn’t matter how much you earn, what matters is how much you save.

I used to think that you have to earn a lot in order to save a lot. But a few years ago, my mom told me this line and my perspective radically changed. She got it from a TV show she was watching and shared it with me with much enthusiasm. It does make sense, doesn’t it? Because even if you earn millions but you live lavishly, you really won’t save anything.

  1. Health is wealth.

This is perhaps my mom’s favorite one. She constantly reminds us to take care of our health, not only because she cares for us, but because she knows being sick is expensive. A common cold can easily turn into pneumonia which will get you in the ICU and cost you thousands of pesos. So, when she sees us without jackets on during cold weather, she’d tell us this line and ask us to put them on.

  1. It’s about quality not the price.

My mom and I are avid bargain hunters. We find going to garage sales and thrift shops both relaxing and exciting. My mom taught me that even though something is cheap, doesn’t mean it’s of poor quality. Even when buying something pre-loved, she would always scrutinize the item on hand before deciding if it’s worth the price. Something pre-loved doesn’t have to look like it, right? 

  1. Always make a list.

When my mom goes grocery shopping, she usually has a list of things to buy. This stops every one from getting too much junk food and buying things impulsively. It also saves a lot of time because you don’t need to think of things you need while in the supermarket.

I think I got this from her. These days, I actually have more than one list when we go out. For example, when we go to the mall, I bring a to-do list ( buy slippers, pay the bills, deposit money, get a haircut ) and a to-buy list. These lists save us a lot of time and money because I don’t get easily swayed by promos and sales when I have focus.

  1. Live below your means.

Perhaps everyone has heard of this popular piece of financial advice: Live within your means.But my mom got this great quote from Suze Orman, a personal financial guru:

“Live below your means but within your needs. ”

I think it’s solid advice. You don’t have to impress anybody with new gadgets or a posh lifestyle even if you have the means to do so. Just spend on needs and save the rest.

  1. Cents matter.

My mom loves comparing prices of items of the things she needs. Unlike other people, she doesn’t find it bothersome.  She does what it takes to save even just cents. Sometimes, she would even take note of prices from different supermarkets to know where the lowest priced items are.

I know a couple of cents might not mean much. But imagine saving a few cents on a regularly used item like cooking oil. Over the years, you could have probably saved a lot from buying a slightly more affordable one.

I consider myself lucky to have an Ilocano mom. I think her practical money saving skills helped me put a lot of value on hard earned money and labors of love. If in the future someone would describe me as a kuripot (“frugal”) mom, I’d smile and proudly reply, “Yes, just like my mom.”

* This is an edited version of an article I contributed to It has been republished with permission.



I recently bought two copies of Mr. Chinkee Tan’s book entitled ” Diary ng Pulubi” ! It was a Buy 1 Take 1 Deal. I was really excited because they are both SIGNED COPIES! I enjoyed reading through the book because it has very practical  tips on how to avoid  spending too much.  Anyway, I thought you my dear reader would really benefit from this book so let’s have a giveaway! 


Winner will win 1 SIGNED COPY of “Diary ng Pulubi”

Who: 1 lucky Mommy N’ More Reader. Must be a resident of the Philippines 18 y/o and above. Must have a legitimate Facebook account

When: Contest will end on November 20,2017. The winner will be announced on November 21, 2017 on the blog and my Facebook page. The winner must contact Mommy N’ More Facebook page within 3 days. If not, another winner will be drawn.


  1. LIKE Mommy N’ More’s Facebook page. 
  2. LIKE this pinned Facebook post
  3. COMMENT ON the pinned FACEBOOK POST the best #kuripottip you’ve learned from anybody.
  4. Share this giveaway post PUBLICLY and tag 3 friends.
  5. Put this on the caption : “Berrr Months na! Kelangang magtipid! Join @Mommy N’ More’s giveaway and win Mr. Chinkee Tan’s “Diary Ng Pulubi: 22 Money Lessons on How to Avoid Going Broke” #MommyNMoreSavings  #MommyNMoregiveaways
  6. Make sure to tag Mommy N’ More  Facebook page on your post.
  7. You need to follow Steps 1 to 6 for your entry to be valid.

Good Luck!!

This promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Mr. Chinkee Tan. You understand that you are providing information to the owner of the Facebook page and not to Facebook.

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  1. Oh too bad the giveaway has already ended! I would’ve loved to join. The book looks like such a great read. I have much to learn about money. 🙂

  2. Relate!!! For the first 13 years of my life, I lived in a town in Mindanao where the population is 75% Ilocano. Dad is also Ilocano, and his kakuriputan is the stuff of legends, hehe. But what I love about my upbringing (which my husband is thankful for) is living below our means. In my hometown, we don’t waste hard-earned money just to show-off during fiesta. Pag walang pera, eh di walang handa. We’d rather save our money for more permanent things.

  3. Yay! I’m excited to read this book! ♥ Although not rich, my mother has taught me money lessons that I still carry with me wherever I go, even up to now. She’d always say before na ‘wag daw maging “one day millionaire” and that’s really true, because if we waste it all now, we’ll have nothing left to use pag nagkaron ng emergency.

  4. I agree with all your tips. There is nothing wrong with buying material things but we should not forget to save. It is better not to buy luxury things basta walang utang. 🙂

  5. I have a kuripot mother, too! She wasn’t Ilocano but she was raised by Ilocano parents and lived in Baguio for a good part of her childhood. I can really relate to these tips, and thankfully, being frugal rubbed off on me, too!

  6. Love these tips. I’m not kuripot, but I consider myself practical. I spend really less or rarely on myself, but when it comes to others, I don’t mind spending much. These tips are really helpful. Plus the diy, haha I love doing it and I hope people won’t raise eyebrows when they see diy’s. One time a friend used A4 paper with painted characters. I knew it was a diy, but the others were totally curious and felt bad. anyway, times are tough and every cent does count. =)

  7. “Live below your means” I totally agree. Nowadays, esp a lot are into social media, some are always showing off their “YOLO” kain dito, gala dun” lifestyle but sadly, some of them have no savings. Or that’s worst, baka umutang pa. “Save on rainy days” ang DAPAT. And oh, I love the giveaway book, will join. 🙂

  8. Roxane Cabile-Montierro says:

    Joined! 🙂

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