
1. “Pwede Na Gani Ni” Planning Saves You Thousands
Every Kagay-anon knows the power of saying, “Pwede na gani ni.” It’s a natural way of making practical decisions that save money, especially when choosing materials. Whether it’s local supplies or negotiating with contractors, this simple mindset helps cut down costs.

2. Simplify Design, Maximize Savings
When you’re building your home, the temptation to go all out is strong. But Kagay-anons know that simplicity can be just as beautiful. Simplified designs keep both construction and maintenance costs down, and they don’t skimp on style.

3. Work with Trusted Local Builders Like JMG Construction
When it comes to building your dream home, trust is everything. Kagay-anons understand the value of working with reputable local contractors. Companies like JMG Construction & General Merchandise have a deep understanding of local building codes, weather conditions, and the community’s needs. By partnering with a trusted local builder, you avoid unexpected costs that can arise from inexperience or poor planning.

4. Buy Materials in Bulk and Haggle Smartly
Bulk buying is a common strategy among Kagay-anons looking to save money. Whether it’s construction materials or labor, buying in bulk and haggling politely can result in significant savings. Ask your contractor about preferred suppliers who offer discounts to ensure you’re getting the best deal.

5. Energy Efficiency is a Long-Term Win
Another great money-saving tip for Kagay-anons building homes is to think long-term. By using energy-efficient features like LED lighting and well-insulated windows, you’ll save on future electricity bills. It’s an upfront investment, but it pays off in the long run.

6. Avoid Costly Midway Changes
Changing your mind halfway through a construction project is one of the most expensive mistakes you can make. Kagay-anons understand this well. That’s why they stick to their plans from the beginning, avoiding the extra costs of labor and materials that come with indecision.

7. Phased Construction: Stretch Your Budget. Avoid Costly Midway Changes
If you’re working with a limited budget, building your home in phases is a great option. Many Kagay-anons use this strategy, focusing on building the essentials first—like bedrooms and bathrooms—then completing other areas like outdoor spaces or additional rooms over time. This allows you to spread out the cost and gives you more financial flexibility without feeling rushed.

8. Negotiate Everything – It’s the Kagay-anon Way
Kagay-anons are natural negotiators, and this skill can save you a lot of money during construction. From contractors to suppliers, don’t hesitate to negotiate for discounts or ask for better deals. You’ll be surprised how many businesses are willing to give a price cut if you simply ask. It’s part of our local culture to find the best possible deal—so take advantage of it.

9. Do It Yourself, If You Can
In Cagayan de Oro, DIY is more than just a hobby—it’s a way of life. If there are parts of the project you can take on yourself, like painting, landscaping, or installing fixtures, why not do it? Enlisting help from family and friends for these smaller tasks can save you on labor costs and make the process more personal. Plus, there’s nothing like seeing a project you’ve personally worked on come to life.

10. Get Expert Advice for Free
Many Kagay-anons don’t realize that consulting with local experts can often be free or included in your construction package. Reputable companies like JMG Construction & General Merchandise offer free consultations to help you plan your project effectively. Getting professional advice early on can help prevent costly mistakes later.