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  • Go Green: How to Save Money and the Environment

    13 July 2022


    Top 5 Budgeting Techniques to Help You Save More Money

    There is a common misconception that when you adopt an eco-friendly lifestyle, it will end up costing you a fortune. Although it can be expensive to practice sustainable habits, some green switches can actually help you save money. You heard it right – there are ways to be green while on a budget.

    This infographic will provide a guide on how you can be eco-friendly and financially smart at the same time.

    Top 5 Budgeting Techniques to Help You Save More Money Infographics

    Fast Facts

    1. In a 2019 survey, 65% of consumers said they wanted to buy brands that advocate sustainability, but only 26% actually do so. (Source:Harvard Business Review)

    2. Avoiding single-use plastics is the most common way UK consumers practice sustainability in 2021. (Source:Deloitte)

    3. Almost 70% of American consumers have expressed wanting to identify brands that reduce environmental impact. (Source:Forbes)

    4. Shoppers scout information in search of sustainable options, and 61% of them seek out energy-efficient labels when making purchases. (Source:Forbes)

    5. There is a radical shift in the lifestyle of consumers, as 47% of them now buy organic products regularly. (Source:Forbes)

    6. Nearly six in 10 consumers are willing to change their purchasing habits to help reduce negative environmental impact. (Source:IBM)

    7. Approximately eight in 10 respondents have expressed that sustainability is important for them. (Source:IBM)

    8. Gen Z and millennial consumers are now considering renting products, with nearly 60% of them having tried it or are interested in doing so. (Source:IBM)

    9. Shoppers are willing to purchase pre-owned or repaired products, with 70% of them having done or wanting to do so. (Source:IBM)

    10. Nearly eight in 10 Gen Z and millennials have purchased or want to purchase pre-owned products. (Source:IBM)

    Yes, you can be financially savvy and eco-friendly at the same time!

    Despite the common misconception that adopting an eco-friendly lifestyle is expensive, some green switches do help you save money. Here are some easy and creative ways to go green:

    10 Ways to Be Eco-Friendly on a Budget

    Here are some ways, tips, and strategies on how you can help save the environment on a budget:

    1.   Buy fruits that are in season

    In-season produce is fresher, tastes better, and has more nutritional value. They also require less energy for lighting and refrigeration. Aside from getting more vitamins, minerals, and fiber, you’ll be able to put some extra cash in your wallet since they’re cheaper.

    2.   Bring your own shopping bag

    When you bring your own grocery bag, you’re helping reduce the volume of plastic waste that ends up in landfills. Keep in mind that plastic bags take up to 20 years to break down. If you opt for reusable bags, you save money while protecting marine life since sea creatures can mistake garbage for food.

    3.   Buy reusable products instead of single-use plastic

    Ditch single-use plastic items and go for reusable, easy-to-clean alternatives. These sustainable products have the same functionality as their standard plastic counterpart, not to mention they’re comfortably handy and washable. Some of these eco-friendly products include:

    ●        Reusable straws

    ●        Reusable spoon and fork

    ●        Cloth tote bag

    ●        Stainless steel cups and bottles

    ●        Silicone bowl covers

    ●        Rezip storage bags

    ●        Reusable drink covers

    ●        Beeswax food wrap

    ●        Stainless steel pour-over coffee maker filter

    ●        Stainless steel lunch box

    ●        Reusable bread bag

    ●        On-the-go collapsible coffee cup

    ●        Reusable paper towels

    4.   Minimize air conditioning

    It’s possible to keep your house cool without spending a fortune on electricity bills. One way to do this is by minimizing air conditioning. As a cheaper substitute, consider installing ceiling fans, as they can equally help make your rooms feel cooler.

    Also, make sure to seal off any cracks and openings in your windows and doors to allow your thermostat to easily regulate the heat inside. Limiting the use of heat-producing appliances during the day also helps save energy since your air conditioner doesn’t have to kick in more frequently to keep the temperature within the ideal range.

    5.   Make DIY natural cleaning products

    Formulating your own cleaning products might sound a bit complicated, but it’s really simple. The ingredients are easy to find and cost-effective, not to mention gentler on the environment. For instance, in making laundry powder, you’ll only need grated natural soap, borax or washing soda, baking soda, lavender essential oil, and eucalyptus essential oil.

    Meanwhile, a paste cleaner only requires baking soda, liquid castile soap, tea tree essential oil, and lemon essential oil. Almost the same ingredients are needed for toilet bowl cleaner, which requires baking soda, white vinegar, and tea tree essential oil.

    Note that nearly all cleaning agents have the same components, so if you bought a certain set of ingredients, you may be able to use them in making different types of cleaning products.

    6.   Invest in a reusable water bottle

    Choosing a reusable water bottle is good for the environment and your pocket. Most reusable water containers are made from low-density polypropylene, a non-hazardous material that does not emit harmful gas. Less oil is also needed in producing them, which means they contribute to the preservation of natural resources.

    In addition, since they replace all the plastic containers you would have used, they help reduce toxic waste that harms underwater creatures. If an average person drinks four plastic bottles of water per day, one would be saving about 1,460 plastic bottles per year by simply using a tumbler.

    7.   Don’t jump into the fast fashion bandwagon

    Fast fashion is the mass production of low-priced but trendy clothing that quickly make their way from design to retail shops, with new collections being continuously introduced. This is bad for both the environment and your wallet.

    Clothes can take as long as 200 years to decompose, so the earth is getting polluted by more and more waste all the time. What’s worse is that most of the used items are neither recycled nor donated – they go to landfills.

    You can help solve the problem by going minimalist, buying only a few essentials. These include timeless pieces that outlast any trend like white t-shirts, versatile shoes, and good outerwear. Denim, blazer, and sweatpants are also some of the most enduring items you can include in your outfit rotation. By going for the basics, you can make the most of your wardrobe and, of course, your budget.

    8.   Air dry your clothes

    After the refrigerator and the washer, the dryer uses the most energy. Hanging your clothes under the sun is an energy-efficient alternative because the air and heat are free. It also makes your pieces last longer since the sunlight tends to be gentler on fabrics than a dryer. Just be sure to place the clothesline in a breezy shaded area to prevent the clothes from fading.

    9.   Stop lining your trash bins with plastic

    Rather than lining your trash bins with plastic, consider washing them periodically instead. Plastic bags take 10 to 20 years to break down, and as long as they are in landfills, they continue to damage our natural ecosystems. The simple step of regularly rinsing your garbage containers will go a long way in helping protect the environment (and your budget).

    10.  Have your own vegetable garden

    Whether you plant them in pots or the ground, vegetables and herbs are generally easy to grow. Chinese cabbage, tomato, lettuce, spinach, basil, parsley, and lemongrass are some plants that are easy to cultivate. By making your own garden at home, you can save money while getting up close and personal with nature. You also help reduce waste since harvesting your ingredients means no packaging is necessary.

    Protect the Environment and Save Money at the Same Time

    Despite the popular belief that sustainable living is expensive, there are ways you can be eco-friendly while on a budget. Opting for reusable containers, making your own natural cleaning products, adopting a minimalist wardrobe, and having your own vegetable garden, among others, can make a big difference in protecting the environment. At the same time, these practices help cut unnecessary costs, allowing you to save more money.

    If you’re thinking about getting insurance to help you build your funds, BPI AIA offers a package that integrates life insurance with savings. This allows you to get lifetime coverage while growing your money. Schedule a virtual appointment with a Bancassurance Sales Executive today to learn how you can start setting up your financial safety net.

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
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