Typical Filipino Depositor’s Bank Balance...

[shadow]

Ewan ko lang. Mga adverse sa CC eh mga lumang tao na lumang magisip. Simple lang kung hinde ka makatulog sa utang mo sa CC eh di it means you should not have it to begin with.

It's a tool, a convenience. Meron ka bibilhin natural babayaran mo. Anong difference sa pag cash ginamit mo?

Yun nahkakapeoblsma hinde alama i-manage finances nila. Ganun ka simple. Hinde CC ang may problema yun tao.

Kung hinde ka marunong mag manage ng finances mo, kahit cash gagamitin. Mauubusan ka pa rin.
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[shadow]

mablis makatanda ng itsura yan madami utang.

Hinde. Ang nakakatanda yun utang na Hinde mo mabayaran, pero kung naka ready naman na pambayad at due date lang hinihintay. Parang baby ang kutis. Walang stress, saka Kags hinde kailanga pala pumila para mag bayad ng bills


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[_Cathy_]

Maaaring tama ka bro.

Inilagay ko lang sa middle income ang pamilya sa US, where the household income is > $100K, - para i-compare sa pamilya sa Pilipinas na parehong professional at nagtatrabaho ang mag-asawa.

Killer talaga sa US ang presyo ng bahay,- masyadong mahal vs. the annual income.... Lalo na sa mga big cities na >$1M ang bentahan.

Kung magre-renta ka naman,- baka > $1.5K per month ang ilalabas mo... $18K for one year.

Bihira naman ang nakatira in the middle of the city. Marami pa rin naman bahay at the 100k mark. Saka kung nakatira within the city, upper income yun.

re rent, my eldest Aunt lives in downtown SF, studio apartment in their building costs USD3k per month daw

[MR_BIG18]

Maaaring tama ka bro.

Inilagay ko lang sa middle income ang pamilya sa US, where the household income is > $100K, - para i-compare sa pamilya sa Pilipinas na parehong professional at nagtatrabaho ang mag-asawa.

Killer talaga sa US ang presyo ng bahay,- masyadong mahal vs. the annual income.... Lalo na sa mga big cities na >$1M ang bentahan.

Kung magre-renta ka naman,- baka > $1.5K per month ang ilalabas mo... $18K for one year.

Pero siyempre, iba ang serbisyo sa publiko at ease of access sa Amerika. At, opportunities para sa mga bata.... These make people wish they'd stay there.

Pero rito, may household help ka, na mahal sa kanilang i-afford.

Kaya bakasyon na lang lagi sila sa EU o sa Caribbean, at post sa IG at FB...

Tayo naman, sa Boracay, Cebu/Bohol, Phuket, Bali, HK, Korea, Japan, Taiwan...
(Huwag sa Singapore - mainit palagi roon... )

E di manos din lang...



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Kaya tumingin kang palagi sa salamin carwhacko...

Even with that income of 40k or less, people can still live comfortably as long as dont have the keeping up with the joneses mentality, sabi ng ni chinkee tan, the pillars to be financially free are, create passive income, stay out of debt, live below ones means..pero number one reason talaga for me is lack of contentment..

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[_Cathy_]

Ewan ko lang. Mga adverse sa CC eh mga lumang tao na lumang magisip. Simple lang kung hinde ka makatulog sa utang mo sa CC eh di it means you should not have it to begin with.

It's a tool, a convenience. Meron ka bibilhin natural babayaran mo. Anong difference sa pag cash ginamit mo?

Yun nahkakapeoblsma hinde alama i-manage finances nila. Ganun ka simple. Hinde CC ang may problema yun tao.

Kung hinde ka marunong mag manage ng finances mo, kahit cash gagamitin. Mauubusan ka pa rin.
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Yup. It blows my mind why people think they can get away with NOT paying the full amount of their purchase. CC ginagamit for convenience, points, tracking. May mga tao din na ayaw ng barya, saka yung SM na kulang parati magsukli, pag card hindi ka maiisahan.

[MR_BIG18]

Hahahaha madali pala akong tatanda kung ganun!


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Its always needs vs wants...notice after a few days of purchasing something, when the novelty of a new item fades, one tends to chk other stuff to purchase online...parang mas nakakatuwa pang mag basa ng reviews, my observation is, yung excitement before the purchase itself not the purchased item and hinahabol natin fix, yung build up to the moment, thats where we get out dopamine, then after the purchase..buyer's remorse...now, there is no turning back, you have to work harder to pay for it, with that comes additional stressors in life, at the same time, may gusto ko ka uli bilhin...never ending cycle, some people i know lose sleep over it, to the point of taking sleeping pills..

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[carwhacko]

Ewan ko lang. Mga adverse sa CC eh mga lumang tao na lumang magisip. Simple lang kung hinde ka makatulog sa utang mo sa CC eh di it means you should not have it to begin with.

It's a tool, a convenience. Meron ka bibilhin natural babayaran mo. Anong difference sa pag cash ginamit mo?

Yun nahkakapeoblsma hinde alama i-manage finances nila. Ganun ka simple. Hinde CC ang may problema yun tao.

Kung hinde ka marunong mag manage ng finances mo, kahit cash gagamitin. Mauubusan ka pa rin.
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Natumbok mo boss! I never pay minimum and I treat them as cash.


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[shadow]

Its always needs vs wants...notice after a few days of purchasing something, when the novelty of a new item fades, one tends to chk other stuff to purchase online...parang mas nakakatuwa pang mag basa ng reviews, my observation is, yung excitement before the purchase itself not the purchased item and hinahabol natin fix, yung build up to the moment, thats where we get out dopamine, then after the purchase..buyer's remorse...now, there is no turning back, you have to work harder to pay for it, with that comes additional stressors in life, at the same time, may gusto ko ka uli bilhin...never ending cycle, some people i know lose sleep over it, to the point of taking sleeping pills..

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Baka meron problema sila sa finances nila to begin with Kaya hinde sila makatulog pag gumamit ng card. Why work harder to pay for it, kahit na want yun dapat kaya mo pa rin bayaran.

Parsng si Macho *carwacko she just bought a new fortuner, eh kakabili lang niya ng Ford. Some would say if not many that it's excessive, hinde naman kailangan. But she can afford it. So walang problema.

Ang problema kung bibili ka tapos hinde mo naman afford dun ako meron issue. If people want to buy excessive things just to satisfy their wants, but they can well afford it. I don't see any problem. If that's their fix. Good for them.


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[CVT]

Natumbok mo boss! I never pay minimum and I treat them as cash.


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E di parang baby ang kutis mo pala (ayon kay bro.shadow), carwhacko!

Yeah!

[CVT]

Bihira naman ang nakatira in the middle of the city. Marami pa rin naman bahay at the 100k mark. Saka kung nakatira within the city, upper income yun.

re rent, my eldest Aunt lives in downtown SF, studio apartment in their building costs USD3k per month daw

Kaya nga ang kanilang annual household income ay $120K,- dahil middle income family iyon....

Numbers ko for the apartment rental and the cost of houses,- nasa outskirts of the big cities,- where mahal pa rin ang mga renta at mga bahay....