How do you guys save?

[marg]

Assess your Lifestyle. Determine where the bulk of your spending goes item by item. And start finding a suitable replacement to each to minimize suffering.

For example, if you are the type who buys a Starbucks drink everyday, replace it with a Diet Coke, Ice Tea or Juice which costs just P20+ per bottle. Suddenly you have an extra P100 to save!

Do the same for everything you spend for. You'll find more money to save without much pain.

[frenchtower]

12% of my of salary automatically goes to my retirement account. My company matches that by 6%.

On top of that, I have income from rental properties that goes straight to the bank.

Some of my disposal income goes to insurance, precious metals, select blue chip stocks and if possible, additional rental properties.

I do not succumb to impulse purchases. If I want to reward myself, I let the interest of my investments pay that for me.

[CVT]

Damn right! ... I actually have grocery receipts to prove this! ... Landmark Grocery here in Makati CBD is the cheapest!

Typically by how much % bro.?

vs.

vs.

vs.

vs.

vs.


Ang layo naman kasi ng Landmark sa lugar namin dito sa LPC....

13.8K:gotcha:

[gambit1978]

if you are earning not enough to invest, then save first and invest, but if you are earning enough to invest , dont save too much .. just invest .. dont let your money sit on the bank.. let the money works for you... look for good company giving more interest than the bank.. thats what i do now.. instead on bank i put my money on some company giving 1.5 percent per month interest. i can collect the interest monthly or make it compound interest..

saving is for security , investing is for financial freedom...

read some books .... book by robert kiyosaki might help..

ive got a soft copy of RICH DAD POOR DAd.. pm me and i will send it to you...

[xninjax]

if you are earning not enough to invest, then save first and invest, but if you are earning enough to invest , dont save too much .. just invest .. dont let your money sit on the bank.. let the money works for you... look for good company giving more interest than the bank.. thats what i do now.. instead on bank i put my money on some company giving 1.5 percent per month interest. i can collect the interest monthly or make it compound interest..

saving is for security , investing is for financial freedom...

read some books .... book by robert kiyosaki might help..

ive got a soft copy of RICH DAD POOR DAd.. pm me and i will send it to you...

Can you PM me the company name giving 1.5% monthly interest?

[eld]

If you're not a trust fund baby or don't know how to suck in wealth effectively, then you really should live way below your means your whole life. Tingnan niyo nangyayari sa ibang bansa, nawalan sila ng trabaho. Wala pa silang savings. Retirement accounts nila na wipe out. At wag kayong umasa sa bangko lang. Buy gold kahit paunti-unti then bury it underground or itago sa ligtas na lugar. that's one of the best ways to hedge against inflation.

[donbuggy]

This is my one and only phone since 2004.

[Jan Cristobal]

I'm having trouble saving right now. I don't know if its because I overspend or buy things that I don't need kasi sale pero all I know is that I wanna save na talaga and long-term sana - hindi yung tipong save now tapos gastos pag may bibilhin. Gusto ko yung tipong pang emergency talaga or for the future na Sana matulungan niyo ko

I think this might help you What the Poor Middle Class and the Wealthy Buy on Payday

Can you PM me the company name giving 1.5% monthly interest?

If your looking for an investment, I know a company offering 29%ROI in 6months. They are re-investing the Money on Livelihood programs for Barangays, Foundations and Cooperatives. Nakatulong ka na, kikita ka pa.

PM me if you're interested

[_Qwerty_]

if you want to save.. quit smoking daw.. although easier said than done..

if you smoke 20 sticks per day daw.. you can save over 3M in 30 years..

Quit Smoking to Become a Multi-Millionaire ~ Investment Philippines

[CVT]

By not buying everything in fashion or on sale...

14.0K:bike3:

[uls]

If your looking for an investment, I know a company offering 29%ROI in 6months. They are re-investing the Money on Livelihood programs for Barangays, Foundations and Cooperatives. Nakatulong ka na, kikita ka pa.

PM me if you're interested

tapos pag di makabayad yung mga nangutang sasabihin sayo ng company sorry di maka-collection eh

[xninjax]

If your looking for an investment, I know a company offering 29%ROI in 6months. They are re-investing the Money on Livelihood programs for Barangays, Foundations and Cooperatives. Nakatulong ka na, kikita ka pa.

PM me if you're interested

If it's too good to be true, it probably ain't :D

[uls]

If it's too good to be true, it probably ain't :D

kaya nila mag bigay ng ganyan return kasi malaki ang interest nila sa pautang (parang 5/6)

ang problema pag di sila makasingil sa pinautangan di sila makabayad sayo

[xninjax]

ang problema pag di sila makasingil sa pinautangan di sila makabayad sayo

Hmnn.. I wouldn't be surprised.

With a high return like that, there would always be a "twist" somewhere :D

[jansky]

saan ba magandang mag invest lets say 2k per month? with good interest...

[gambit1978]

Hmnn.. I wouldn't be surprised.

With a high return like that, there would always be a "twist" somewhere :D

what about this CI guy in PMT forum, offering 3 to 5 percent a month to be invest in realty.. is it safe??..

[ghosthunter]

I think this might help you What the Poor Middle Class and the Wealthy Buy on Payday



If your looking for an investment, I know a company offering 29%ROI in 6months. They are re-investing the Money on Livelihood programs for Barangays, Foundations and Cooperatives. Nakatulong ka na, kikita ka pa.

PM me if you're interested

This is a good example of something TOO GOOD TO BE TRUE. If it's too good to be true, it usually isn't true.

Don't let GREED take over your decision.

[ghosthunter]

what about this CI guy in PMT forum, offering 3 to 5 percent a month to be invest in realty.. is it safe??..

Invest? ... I would call it a gamble.

[uls]

what about this CI guy in PMT forum, offering 3 to 5 percent a month to be invest in realty.. is it safe??..

ganito... just find out where they invest the money. find out where the cash flow comes from

sabi mo "to be invest in realty"

what are the specifics? they build? they develop subdivisions? they build condo buildings?

they buy units and rent them out?

the cash flow comes from rental income? parang sila REIT?

when you hear claims of high returns, be curious of how they do it so you'll know the risks

what could threaten the cash flow?

pag di makabayad ng upa mga tenants, damay ba ang promised high returns returns mo?

[gambit1978]

ganito... just find out where they invest the money. find out where the cash flow comes from

sabi mo "to be invest in realty"

what are the specifics? they build? they develop subdivisions? they build condo buildings?

they buy units and rent them out?

the cash flow comes from rental income? parang sila REIT?

when you hear claims of high returns, be curious of how they do it so you'll know the risks

what could threaten the cash flow?

pag di makabayad ng upa mga tenants, damay ba ang promised high returns returns mo?

tnx,, they buy old condo and pa rent nila.. sa area lang ng mga may call center agents.. they issued pdc , let say you invest 100k with a contract of 1 year, they give you 12 pdc (100k/12 + interest each).. so if wala paltos pdc nila with in a year balik puhunan mo..
4 years na yata na ganun, so far dun sa mga post sa furom wla pading negative feedback.. he said that they used your money to furnish the condo... sa nbabsa ko dun totally wla kang control sa pinag investan mo, , so if worst can happen estfa lang ang pueding ey habol dun di ba|??..