How do you feel right now?

[jut703]

If you started paying for gas and maintenance, but had no increase in income, then you have to give something up to retain your 50% savings ratio.

Perhaps you can lower it to 30%, then cut down further on other expenses.

Remember, as long as your income's the same, it's a zero-sum game - if expenses increase, savings decrease.

I know that it's easier said than done, but nothing good ever came easy right?

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[shadow]

Can you imagine cath, kung nagbayad ka pa ng car amortization?


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[_Cathy_]

Yes my income is still the same. I had no increase for 3 yrs na ata :cry:

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[SkyFlakes88]

No. She refuses to liquidate sellable properties. My Kuya said I have to work with a mindset that we will get nothing from our grandparents and parents. But sometimes I feel bad when my lola spends her money on my bum cousins, pati apo sa tuhod she pays for the education.

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Ma'am Cathy for me tama po kuya nyo and you are actually lucky kasi you can stand on your own kahit paano you earn your keep. Natututo ka sa buhay kesa umaasa ka sa oldies mo. I'm sure your parents and lola is proud of you. D lang nila sinasabi yan pero they are proud.

Think of it this way. You earn your keep. Anything happens and you will not have a very hard life unlike sa cousins mo.

[dr. d]

No. She refuses to liquidate sellable properties. My Kuya said I have to work with a mindset that we will get nothing from our grandparents and parents. But sometimes I feel bad when my lola spends her money on my bum cousins, pati apo sa tuhod she pays for the education.

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how can i remind you gently...
it's their money, not yours.

[dreamur]

Apply ka na lang ng redundancy Cat. Baka they are offering X3 tapos apply ka kay boybi or EQ. Sigurado matataas offers nila. Pick the highest bidder.

[_Cathy_]

Can you imagine cath, kung nagbayad ka pa ng car amortization?


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Kaya nga feeling ko major fail ako. I cannot even afford to buy a house or car. My Mom is proud that I have a job and not a bum And the planned expat assignment made my Mom really proud too.

Pasalamat na rin ako at hindi Montero binili sakin. Baka sa kangkungan na ko pulutin. Gulong pa lang magkano na.


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[_Cathy_]

Ma'am Cathy for me tama po kuya nyo and you are actually lucky kasi you can stand on your own kahit paano you earn your keep. Natututo ka sa buhay kesa umaasa ka sa oldies mo. I'm sure your parents and lola is proud of you. D lang nila sinasabi yan pero they are proud.

Think of it this way. You earn your keep. Anything happens and you will not have a very hard life unlike sa cousins mo.

Thanks for the kind words. I still can't stand on my own but at least I am not a burden to my parents (according to my Mom)

how can i remind you gently...
it's their money, not yours.

It just makes me feel bad when I have cousins leeching off of my Lola. Car and house paid for by my Lola Ako naman I am having acid reflux from cost of 40k PMS

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[jut703]

Kaya nga feeling ko major fail ako. I cannot even afford to buy a house or car. My Mom is proud that I have a job and not a bum And the planned expat assignment made my Mom really proud too.

Pasalamat na rin ako at hindi Montero binili sakin. Baka sa kangkungan na ko pulutin. Gulong pa lang magkano na.


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Cath, remember that financial success isn't the only measure of a life well-lived. You're well-educated, articulate, and have a lot of opportunities knocking at your door. More than your claimed financial failure, what worries me more is your reluctance to step out of your comfort zone and take a leap of faith (yes, I'm referring to your odd reluctance to take an expat post).

Marami diyan, biglang yaman nga, pero la naman kwenta kausap, or di kaya walang modo. Character > money, all the time.


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[shadow]

Cath, remember that financial success isn't the only measure of a life well-lived. You're well-educated, articulate, and have a lot of opportunities knocking at your door. More than your claimed financial failure, what worries me more is your reluctance to step out of your comfort zone and take a leap of faith (yes, I'm referring to your odd reluctance to take an expat post).

Marami diyan, biglang yaman nga, pero la naman kwenta kausap, or di kaya walang modo. Character > money, all the time.


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Plus. Malapit na mahuli sa byahe si cath. [emoji23].

Mag-asawa ka na cath! Huwag ka kasi post ng post dito magiging old maid ka, ikaw rin. [emoji111]🏼️


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[jut703]

Plus. Malapit na mahuli sa byahe si cath. [emoji23].

Mag-asawa ka na cath! Huwag ka kasi post ng post dito magiging old maid ka, ikaw rin. [emoji111]🏼️


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May BF na nga diba? Hehehe

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[shadow]

May BF na nga diba? Hehehe

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Hahaha parang Hinde ka naniniwala kay cath ah. [emoji4]


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[minicarph]

Hindi sya maging old maid, coz hindi palang niya natatagpuan yun soulmate energy na para sa kanya

Ang plan ng diyos eh yun anak niya. Usually mas matatalino ang anak kung ang mga magulang may edad na, di tulad nun mga parents 20 somethings

[jut703]

Di naman si OB si Cath. Or dapat ba iapply ang no pic = BS rule? Hehehehe joke lang. [emoji111]🏻️


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[jut703]

Hindi sya maging old maid, coz hindi palang niya natatagpuan yun soulmate energy na para sa kanya

Ang plan ng diyos eh yun anak niya. Usually mas matatalino ang anak kung ang mga magulang may edad na, di tulad nun mga parents 20 somethings

Sad. My parents were in their mid-20s when I was born. Bobo pala ko. Thanks for letting me know. [emoji29]


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[minicarph]

Hindi ka bobo, mas matalino lang sa'yo yun mga kids na may parents na 30 and 40 somethings

[jut703]

That's great - your validation is all that matters in determining how I view my intelligence, or lack thereof. [emoji106]🏼


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[SkyFlakes88]

Hindi sya maging old maid, coz hindi palang niya natatagpuan yun soulmate energy na para sa kanya

Ang plan ng diyos eh yun anak niya. Usually mas matatalino ang anak kung ang mga magulang may edad na, di tulad nun mga parents 20 somethings

I beg to disagree. Mental capacity of a person doesn't rely on this. I wonder where did you get this kind of thinking?

[minicarph]

Dont dwell too much on intelligence, it's a useless gift anyway. I think it's a curse to begin with. Because it limits your freedom, i think intelligence is a self-imposed prison cos andami lalo hindi mo I nagagawa sa buhay coz naisip ng intelligence mo dont do this, dont do that

[minicarph]

I beg to disagree. Mental capacity of a person doesn't rely on this. I wonder where did you get this kind of thinking?

Sa sperm.

Sperm is dna.

Dna gets upgraded as you age then passed on to sperm then offspring


Say for example, a father jis a VP sa company at 42 compared to a father who is just accepted sa work at 21

Na-pass on yun , check the biological science conhronicles, it's there