How do you feel right now?

**_Cathy_** · December 1st, 2015 02:26 PM

Originally Posted by minicarph

Bakit iniipit ka ng Lola sa money?

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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**StockEngine** · December 1st, 2015 02:31 PM

Originally Posted by _Cathy_

A failure

I cannot even afford to pay for the PMS of my car. I hope my Lola realizes that money is really hard for me. Hindi lang ako nagrereklamo sa kanya

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Outside casa na

1. Engine oil
2. Brake cleaning
3. Filter cleaning ac and engine
4. Check lights and underbody
5. Tighten nuts bolts

3k-5k

**_Cathy_** · December 1st, 2015 02:43 PM

Originally Posted by StockEngine

Outside casa na

1. Engine oil
2. Brake cleaning
3. Filter cleaning ac and engine
4. Check lights and underbody
5. Tighten nuts bots

3k-5k

Toyota estimated 18k

I almost fell off my seat. Nade depress talaga ko ngayon. Then next month registration and insurance.

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**minicarph** · December 1st, 2015 02:49 PM

Originally Posted by _Cathy_

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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Your lola is right not sell properties. Yan lang ang pinakamagandang store of wealth ngaun. Regardless, if bagsak ang market just leave it be.

Regarding bum cousins, ewan ko I have my share of bum relatives na kunwari sipsip at affectionate just to save their asses. Sayang ng buhay na ngaun pa lang,

**cast_no_shadow** · December 1st, 2015 02:50 PM

Originally Posted by _Cathy_

Toyota estimated 18k

I almost fell off my seat. Nade depress talaga ko ngayon. Then next month registration and insurance.

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Mahirap talaga mag maintain ng dalawang oto, ayaw mo bawasan ng isa?

kahit yung 10th gen hehe

swerte mo pa nga you dont pay monthly amortization.

**StockEngine** · December 1st, 2015 03:03 PM

Originally Posted by _Cathy_

Toyota estimated 18k

I almost fell off my seat. Nade depress talaga ko ngayon. Then next month registration and insurance.

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Di ka naman kaskasero. So you can delay the atf change. Go to servitek and make sure you keep the service job record for higher resale. Dont give toyota pasig 😅 your money especially for an aging vehicle. 18k is too much imo.

**_Cathy_** · December 1st, 2015 03:11 PM

Originally Posted by cast_no_shadow

Mahirap talaga mag maintain ng dalawang oto, ayaw mo bawasan ng isa?

kahit yung 10th gen hehe

swerte mo pa nga you dont pay monthly amortization.

I need coding car

Originally Posted by StockEngine

Di ka naman kaskasero. So you can delay the atf change. Go to servitek and make sure you keep the service job record for higher resale. Dont give toyota pasig 😅 your money especially for an aging vehicle. 18k is too much imo.

Yup. I don't plan to bring it in Pasig. Either Bicutan or BGC. Those casa have nice feedback kasi. I don't wanna casa nga. Sayang yunh binili ko na Liquimoly 5 L na FS sa baldwin filter. A friend told me kasi major ang 40k so best bring it in the casa.

May 2014 pa kasi lang PMS ko. I follow the 5k rule kasi.

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**CLAVEL3699** · December 1st, 2015 03:21 PM

Originally Posted by _Cathy_

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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Magbawas ka kasi nang Luho mo para magkasya ang pera mo

**jut703** · December 1st, 2015 05:50 PM

I agree. Hindi naman tayo minimum wage workers living below the poverty line na yung income natin hindi talaga sapat to cover our basic needs.

It's really more of your mindset and willingness to live within your means. A monthly budget helps. Basic equation is Income - Savings = Expenses. As an employee, your income is pretty much fixed, but you're in charge of setting how much you want to save. 50%? 30%? 10%?

I think 20% is doable for most. If you can go higher, better. Then, from the net amount after you've automatically subtracted your savings, that's where you base your monthly budget.

If you convince yourself that your monthly disposable income (after savings) is just, say, 20k, then make sure to live within that budget. Isipin mo, yun lang talaga sweldo mo. Wag mo isipin na meron pa yung money allocated for savings.

Track your expenses and cut down on what's absolutely necessary only. Why 2 cars? Why not sell the other one, then Uber once a week? Maybe borrow your lola's car once a week? Perhaps less shopping on Amazon? Again, the key is to think like you only have very little income, and live within that constraint..

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**_Cathy_** · December 1st, 2015 06:07 PM

I was able to save 50% of my income before I started paying for my gas and car maintenance in late 2013. Since 2014 almost equal na yung DR and CR sa SOA ko :cry:

And I don't even pay for insurance and registration yet

I do need to cut down on my online purchases. I also need to wake up early so I don't run out of parking space in the bldg.

I also don't charge my OT anymore during busy periods. OT pay used to help even for a few thousand. Sobrang higpit kasi sa OT. Sino ba gusto nagO OT diba? Para no issue I don't charge anymore. My other officemates nakaka demoralise kasi ininterrogate talaga.

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