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  1. Join Date
    Nov 2009
    Posts
    3,055
    #41
    Magpaturo ka muna manligaw sa mga tsikoteer bago ka bumili tsikot. Saglit lang yan.

  2. Join Date
    Mar 2008
    Posts
    38,119
    #42
    no need for instructions.
    it's in the genes.
    besides, it's more fun if it comes from within you.

  3. Join Date
    Dec 2006
    Posts
    16,523
    #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 Tapatalk
    Last edited by jut703; March 27th, 2018 at 10:10 AM.

  4. Join Date
    Jan 2012
    Posts
    2,369
    #44
    Quote Originally Posted by commercial View Post
    Thanks ulit sa mga sumagot. I won’t disclose my salary here hehe. Pero I work as software engineer. Earning that amount of money is indeed an accomplishment for me but I would say it is not easy. Your mind is always stressed and tired plus many times you sleep less than 4 hours. Actually it is recently that I realized na tumatanda na ako and I dont want to continue working for money forever so I plan to somewhat giveup my side lines and maybe have a more human life style hehe.

    Anyway, actually naconsider ko na rin buying a townhouse pero I am single pa naman and I do not have yet any plans to settle on a specific location. Unless ipa-rent ko yung mabibili kong townhouse.
    My brother is also a software engineer. Pretty much I know how much you guys earn. Should I buy a car just to have a hobby? Difference is he pays condo, car amort and has a gf Should I buy a car just to have a hobby?


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  5. Join Date
    Dec 2006
    Posts
    16,523
    #45
    Quote Originally Posted by carwhacko View Post
    My brother is also a software engineer. Pretty much I know how much you guys earn. Should I buy a car just to have a hobby? Difference is he pays condo, car amort and has a gf Should I buy a car just to have a hobby?


    Sent from my iPhone using Tapatalk
    Magkano ba range para may idea kami. Should I buy a car just to have a hobby?

    Sent from my SM-G935F using Tapatalk

  6. Join Date
    Jul 2007
    Posts
    46,756
    #46
    Quote Originally Posted by 12vdc View Post
    Magpaturo ka muna manligaw sa mga tsikoteer bago ka bumili tsikot. Saglit lang yan.
    Kay shadow siya paturo. He knows how to have fun at mukhang matinik sa chicks. Hahaha

    Sent from my GT-N7100 using Tapatalk

  7. Join Date
    Jan 2012
    Posts
    2,369
    #47
    Quote Originally Posted by jut703 View Post
    Magkano ba range para may idea kami. Should I buy a car just to have a hobby?

    Sent from my SM-G935F using Tapatalk
    Well sa brother ko package is 90k.


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  8. Join Date
    Jul 2009
    Posts
    3,598
    #48
    Quote Originally Posted by _Cathy_ View Post
    Kay shadow siya paturo. He knows how to have fun at mukhang matinik sa chicks. Hahaha

    Sent from my GT-N7100 using Tapatalk
    Do you have firsthand experience on that? hahaha

    Quote Originally Posted by jut703 View Post
    Magkano ba range para may idea kami. Should I buy a car just to have a hobby?

    Sent from my SM-G935F using Tapatalk
    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.

    Quote Originally Posted by carwhacko View Post
    Well sa brother ko package is 90k.
    Sent from my iPhone using Tapatalk
    I'm guessing he works at those big name multinationals din? Accenture, etc?

  9. Join Date
    Jul 2007
    Posts
    46,756
    #49
    Quote Originally Posted by carwhacko View Post
    Well sa brother ko package is 90k.


    Sent from my iPhone using Tapatalk
    90k net for an IT job? How old is your brother?

    I'm in the wrong industry talaga
    Quote Originally Posted by mda View Post
    Do 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? Hehe
    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

  10. Join Date
    Mar 2008
    Posts
    38,119
    #50
    Quote Originally Posted by _Cathy_ View Post
    90k net for an IT job? How old is your brother?

    I'm in the wrong industry talaga


    Sent from my GT-N7100 using Tapatalk
    ikaw kasi! hindi ka nag-duktor...

    - - - - - - - - - - - - - - - - - - - - - -

    Quote Originally Posted by _Cathy_ View Post

    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
    ma-ginoo pero medyo bastos.

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Should I buy a car just to have a hobby?