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Tsikoteer
- Join Date
- Nov 2009
- Posts
- 3,474
March 27th, 2018 10:03 AM #41Magpaturo ka muna manligaw sa mga tsikoteer bago ka bumili tsikot. Saglit lang yan.
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Tsikoteer
- Join Date
- Mar 2008
- Posts
- 52,523
March 27th, 2018 10:04 AM #42no need for instructions.
it's in the genes.
besides, it's more fun if it comes from within you.
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March 27th, 2018 10:04 AM #43
3M sounds like a big number, but with literally nothing to your name right now, ang dali ubusin niyan.
Go get a car. I'm about your age so I know the happiness that car ownership brings. And funnily lahat naman ng nagadvice sayo na wag bumili ng kotse, may mga sariling kotse din. Ibang iba yung freedom and convenience ng pagkakaron ng sariling kotse.
It doesn't have to be fancy anyway. Since single ka naman, something along the lines of a Civic for 1.1M. Get rims or whatever upgrade you want, maybe for a total of 100k. So you'll be left with 1.8M.
Now that you have the car out of the way, I would suggest that you start investing in property. Since you have a big lump sum, pwede ka mag-dowpayment ng condo.
Average price for a 2-bedroom condo in second prime locations is about 5M right now. 30% downpayment is about 1.5M so kayang kaya mo na i-cash. Loan mo nalang yung remainder. At least kaysa nagbabayad ka ng 5k/month na bedspace, you actually get to live in a place of your own. Kung ayaw mo ng condo, bili ka nalang ng lupa sa probinsiya.
Kaya important din na may idea kami ng income mo para at least alam namin kung kaya mo ba imaintain lifestyle mo.
If you buy a car in cash, yung monthly expenses mo sa gas, parking, toll, and maintenance will be around 10k/month.
Kung kukuha ka condo, tapos loan mo 10 years yung balance, mga 45k/month yung hulog mo.
Then learn to live a little - go out on dates, travel, buy decent clothing. Another 20k/month for you to enjoy your life should be fine.
Siguro naman more than 75k/month yung takehome pay mo kung kaya mong makaipon ng 3M (unless wala ka talagang binili in your ~8 years of working kaya ka may ipon).
Sent from my SM-G935F using TapatalkLast edited by jut703; March 27th, 2018 at 10:10 AM.
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March 27th, 2018 10:07 AM #44
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March 27th, 2018 10:08 AM #45
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March 27th, 2018 10:09 AM #46
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March 27th, 2018 10:10 AM #47
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Tsikoteer
- Join Date
- Jul 2009
- Posts
- 3,604
March 27th, 2018 10:10 AM #48Do you have firsthand experience on that? hahaha
Same as everyone else... The entry level software engineer positions don't make a lot pero when you can prove you can do more than just code, there's quite a jump.
I'm guessing he works at those big name multinationals din? Accenture, etc?
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March 27th, 2018 10:15 AM #49
90k net for an IT job? How old is your brother?
I'm in the wrong industry talaga
Based on his posts, shadow seems like a cool guy. Pilyo, mukhang galante and good sense of humor. In general, girls find that attractive.
Sent from my GT-N7100 using Tapatalk
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Tsikoteer
- Join Date
- Mar 2008
- Posts
- 52,523
March 27th, 2018 10:17 AM #50
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