Anong age kayo nag karon ng house and lot?

[EQAddict]

Tama po Sir Juts, Doc.. Mostly nung nakapwesto near metro.. Ancestral home na or from mana.. Or talagang mayaman na from the start..
Sa tulad ko na gusto din may sariling sikap na naipundar hindi po talaga afford yung malapit sa metro.. Ang mahal para sa isang empleyado lang..
Loan pa yung lot na nakuha ko sa San Jose Del Monte, Bulacan on my late 20s maliit lang nasa 288sqm.. That time SM San Jose Del Monte is just a rumor and yung MRT project parang suntok sa buwan na magkatotoo.. Pero umaasa ako baka next 10 years ay baka magkatotoo at sana nga magkaroon ng IT companies near that location..
Aba.. Nagulat ako.. Wala pang 5 years nagawa na yung SM San Jose Del Monte.. Yung Qualimed hospital din at yung School na malapit gawa na lahat.. tapos nasinulan na din ABS-CBN Soundstage..
Na-excite tuloy ako mag ipon ulet sana soon mapatayuan ko na.. [emoji4]
Natapos ko na SSS ng mama ko 2 years ago.. Soon matapos ko na 2 insurance, 1 health insurance (isa ito sa mga wrong decisions ko pero tinuloy ko na lang hahaha).. makakaluwag luwag na ako.. gusto ko na ipay up in advance loan ko para house construction naman..

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I admire your hard work, foresight and determination to succeed. Simple and humble dreams backed up by hard work and grit. So unlike the entitled, procastinating unproductive whiners that plague our society.

A breath of fresh air in these covid times.

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[travajante]

I admire your hard work, foresight and determination to succeed. Simple and humble dreams backed up by hard work and grit. So unlike the entitled, procastinating unproductive whiners that plague our society.

A breath of fresh air in these covid times.

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^I second this![emoji120]

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[papi smith]

Loan pa yung lot na nakuha ko sa San Jose Del Monte, Bulacan on my late 20s maliit lang nasa 288sqm..

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Wow ha! Malaki na yan for me, ours is just half of that, so halos bahay lahat, 30% lang naiwan na easement on the front and left, naka firewall ako sa other 2 sides.

[misseksaherada]

Wow ha! Malaki na yan for me, ours is just half of that, so halos bahay lahat, 30% lang naiwan na easement on the front and left, naka firewall ako sa other 2 sides.

Naisip ko nga po hatiin din.. Yung half gagawin pong apartment/bed space para meron income since malapit po yung area sa Ayala/Araneta/Sy projects.. Meron pong market for possible na magri-rent.. pero idea palang po yun.. ayaw ko din po sobrang laki na bahay ang hirap ng maintenance.. sarap mangarap [emoji16] buti na lang libre.. Hahaha

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[Mr. Ri Crash]

Ako naman nakabili ako dito sa may northern part ng QC. Townhouse na nasa 3.5M mga 4 years ago, 27 ako nun. Tapos nakabili ako ng lupa sa bandang Camarin sa Caloocan, pwede patayuan ng apartment para passive income.

Sa kamukha kong di naman nakatapos ng college, wala naman mapagkukuhanan ng sweldong malaki puro diskarte lamg sa buhay pwede at lakas ng loob

[EQAddict]

At least you have a plan and walk the talk. You will go places and achieve many good things. Others just whine all day all year.

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[misseksaherada]

Optimism is a virtue one must have, especially so during these trying times.

Treat failures as lessons learned.

The fellow who invented the lightbulb said: “I have not failed. I've just found 10,000 ways that won't work.”

You’ve come a long way.

I assume you drive your own car now.

And you own a piece of the Earth.

Welcome, for you have arrived.

Congratulations!

I know it wasn’t easy.

Loan pa din Sir yung sariling sikap din na sasakyan ko.. napabili na ako dahil tumatanda na din parents ko.. I see it as a need na, kung di pala ako naka-loan last year eh di nahirapan ako ngayong lockdown.. Ang bilis nga ng panahon.. 2 years na lang matapos ko na din car loan.. yun nga lang puro loan ako.. salamat sa tulong ni God talaga, He is a good provider at gina-guide Nya talaga ako..

At least you have a plan and walk the talk. You will go places and achieve many good things. Others just whine all day all year.

Naniniwala po ako na lahat po may purpose, mababait po kasi parents ko (both bread winners ng families nila).. Minsan naiisip ko na nandito ako sa mundo para maging blessing sa parents ko.. Maybe I'm the answer to their prayers.. Through me God is giving them what they deserve in life.. I"m just an instrument, beneficiary ng good deeds nila [emoji4].. And tulad dito sa Tsikot, gusto ko din mag-share ng things na natutunan ko and mag-guide din sa iba para di na nila maranasan yung mga naging sablay ko..
That's why I love Tsikot's community maraming realization at madami ako natutunan..

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[jut703]

Loan pa din Sir yung sariling sikap din na sasakyan ko.. napabili na ako dahil tumatanda na din parents ko.. I see it as a need na, kung di pala ako naka-loan last year eh di nahirapan ako ngayong lockdown.. Ang bilis nga ng panahon.. 2 years na lang matapos ko na din car loan.. yun nga lang puro loan ako.. salamat sa tulong ni God talaga, He is a good provider at gina-guide Nya talaga ako..

Naniniwala po ako na lahat po may purpose, mababait po kasi parents ko (both bread winners ng families nila).. Minsan naiisip ko na nandito ako sa mundo para maging blessing sa parents ko.. Maybe I'm the answer to their prayers.. Through me God is giving them what they deserve in life.. I"m just an instrument, beneficiary ng good deeds nila [emoji4].. And tulad dito sa Tsikot, gusto ko din mag-share ng things na natutunan ko and mag-guide din sa iba para di na nila maranasan yung mga naging sablay ko..
That's why I love Tsikot's community maraming realization at madami ako natutunan..

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Loans aren't automatically bad. In fact I think you loaned very wisely - look at the land you bought in Bulacan, for sure the value appreciation is much higher than your loan interest rate.

And you are indeed a blessing to your parents. One of the biggest joys in life is not having to rely on your parents financially. You've even taken it a step further by being the one to provide for your parents. [emoji106][emoji106][emoji106]

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[jmc21420]

Loan pa din Sir yung sariling sikap din na sasakyan ko.. napabili na ako dahil tumatanda na din parents ko.. I see it as a need na, kung di pala ako naka-loan last year eh di nahirapan ako ngayong lockdown.. Ang bilis nga ng panahon.. 2 years na lang matapos ko na din car loan.. yun nga lang puro loan ako.. salamat sa tulong ni God talaga, He is a good provider at gina-guide Nya talaga ako..

Naniniwala po ako na lahat po may purpose, mababait po kasi parents ko (both bread winners ng families nila).. Minsan naiisip ko na nandito ako sa mundo para maging blessing sa parents ko.. Maybe I'm the answer to their prayers.. Through me God is giving them what they deserve in life.. I"m just an instrument, beneficiary ng good deeds nila [emoji4].. And tulad dito sa Tsikot, gusto ko din mag-share ng things na natutunan ko and mag-guide din sa iba para di na nila maranasan yung mga naging sablay ko..
That's why I love Tsikot's community maraming realization at madami ako natutunan..

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Loans indicate you are creditworthy. It also means you have the wherewithal to pay them.

Lenders hardly extend credit to someone whose history shows late payments, missed payments, and financial irresponsibility.

Not only we learn things from our experiences, but we also learn from the mistakes and successes of others.

It’s great to know you have your goals to achieve. Write them down. Read them every day to remind you where you are going. And work real hard.

Working hard is the thing that bridges your dreams from your reality.

I’m sure your story INSPIRES people.

And I’m sure your parents are very proud of you.


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[CVT]

Loan pa din Sir yung sariling sikap din na sasakyan ko.. napabili na ako dahil tumatanda na din parents ko.. I see it as a need na, kung di pala ako naka-loan last year eh di nahirapan ako ngayong lockdown.. Ang bilis nga ng panahon.. 2 years na lang matapos ko na din car loan.. yun nga lang puro loan ako.. salamat sa tulong ni God talaga, He is a good provider at gina-guide Nya talaga ako..

Naniniwala po ako na lahat po may purpose, mababait po kasi parents ko (both bread winners ng families nila).. Minsan naiisip ko na nandito ako sa mundo para maging blessing sa parents ko.. Maybe I'm the answer to their prayers.. Through me God is giving them what they deserve in life.. I"m just an instrument, beneficiary ng good deeds nila [emoji4].. And tulad dito sa Tsikot, gusto ko din mag-share ng things na natutunan ko and mag-guide din sa iba para di na nila maranasan yung mga naging sablay ko..
That's why I love Tsikot's community maraming realization at madami ako natutunan..

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You may not realize it, but you're also a breath of fresh air and a true blessing in our tsikot community.

Gives us unparalleled inspiration and strengthens our steadfast faith in humanity.

May your tribe increase!!!

[tartakobsky]

25, was single then, house and lot para sa parents ko, thru pagibig loan.

Got married two years later, nag-rent muna

Then a year ago, was 35, with a bit of savings and plenty of courage we finally bought our own place via bank loan.

[EQAddict]

Agree to the above posts. You are a blessing to your parents and not a parasite. You lift them up on your own shoulders rather than drag them down at their senior age.



So many people like that still in this modern age. Cringe worthy. Talk about users and uselessness, helplessness. Waiting for money always and helpless and whiney when it isnt there. Absolutely wont be able to survive on their own.

In a few years your car loan will be done and you can plan your (option 1) next investment or (option 2l accelerate the payments on your property. I would do option 2 if its feasible as clearing out your loan is the biggest step you can make in that time period. Frees you up for bigger things down the road. Good luck ! Even lessening the remaining balance or period to pay will mean much earlier financial headroom.













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[yubby24]

Nakakainspire si miss. Ako patapos na rin yung car loan next year. Sakto sa birthday ni misis yung last day of payment. Pinag-iipunan ko na rin yung pangdown naman para sa H&L. Nag-iikot ikot na rin kami around Pasig ng mga nagbebenta. Puro 3M pataas ang bentahan. Kulang pa kahit pang-20% down yung ipon. Konting tiis-tiis pa.

[misseksaherada]

And you are indeed a blessing to your parents.

Naiyak ako ng onti dito Sir Juts.. I embraced it ever since bata pa ako.. Na I"m gonna be a good daughter dahil yun lang ang kaya kong gawin to give back all the good deeds ng parents ko hindi lang sakin pati na din sa relatives and sa community..

Not only we learn things from our experiences, but we also learn from the mistakes and successes of others.
It’s great to know you have your goals to achieve. Write them down. Read them every day to remind you where you are going. And work real hard.

Opo, fulfilling po talaga kapag na-achieve ang goals with hard work.. Nagsi-celebrate din ako sa success ng iba dahil alam ko hindi biro ang effort na ginugol para ma-achieve yung goal..

Agree to the above posts. You are a blessing to your parents and not a parasite.
In a few years your car loan will be done and you can plan your (option 1) next investment or (option 2l accelerate the payments on your property. I would do option 2 if its feasible as clearing out your loan is the biggest step you can make in that time period. Frees you up for bigger things down the road. Good luck ! Even lessening the remaining balance or period to pay will mean much earlier financial headroom.

Thank you Sir.. And probably I"m gonna seek advice here in Tsikot community if I need to choose options for the future.. It excites me more.. In God's time..

Nakakainspire si miss. Ako patapos na rin yung car loan next year. Sakto sa birthday ni misis yung last day of payment. Pinag-iipunan ko na rin yung pangdown naman para sa H&L. Nag-iikot ikot na rin kami around Pasig ng mga nagbebenta. Puro 3M pataas ang bentahan. Kulang pa kahit pang-20% down yung ipon. Konting tiis-tiis pa.

Thank you Sir.. Buti na lang sa life kanya-kanya tayong timeline sa pag achieve ng dreams.. If minsan hindi nagtugma ang plan sa reality.. We can still start anytime..

ok BTT na.. masyado na ata nag focus sakin.. Hehehe [emoji28] but I truly appreciate Tsikot"s community.. Parang nagkaroon ako ng extended family.. siblings.. and extra support system.. parang feeling ko may extra push to guide me sa pag achieve ng goals ko.. Thank you mga Sir/Ma'am.. [emoji7]


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