Sweldo Na Naman.....

[papi smith]

ayun, sagot ng lola ni doc ang deficit spending nya, very privileged

What do you mean? How can it be a privilege earn less than your expenses?

[uls]

deficit spending is a privilege only a few can enjoy

how can it be a privilege?

a regular employee

pag naubos ang sweldo bago mag payday, diba nangungutang?

kahit sino nakaka utang naman diba?

[_Cathy_]

ayun, sagot ng lola ni doc ang deficit spending nya, very privileged

but my maternal lola passed away is 2006. It's very frustrating that I've been working since 2009 and and I don't even have my own car or house/condo.

[benchman]

but my maternal lola passed away is 2006. It's very frustrating that I've been working since 2009 and and I don't even have my own car or house/condo.

you have 2 cars!
and a house too, kanino pa ba mapupunta iyan.

[_Cathy_]

you have 2 cars!
and a house too, kanino pa ba mapupunta iyan.

But that's not my own money I'd feel more accomplished kung galing sakin.

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[benchman]

But that's not my own money I'd feel more accomplished kung galing sakin.

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naku wag mo na dagdagan pa, hirap ka na mag-detail niyan kung tatlo or apat na sila sige ka

[_Qwerty_]

kahit gano kalaki or kaliit ang sweldo.. dapat matuto lang mag budget.. save save save lang yan.. save mo kalahati then pagkasyahin mo lang yung kalahati sa lahat nang gastusin mo..

lalo na kung single pa.. tapos nakatira ka pa sa parents mo.. walang monthly expense for food, house etc.. pati maintenance nang car and parking libre? malaki dapat ma sa save mo nyan..

[_Cathy_]

naku wag mo na dagdagan pa, hirap ka na mag-detail niyan kung tatlo or apat na sila sige ka

Yung lumang lancer ko binenta ko nung 2012, napabayaan ko sobra may pamilya na pala ng daga sa ilalim ng driver's seat. Pati wires sa engine bay nginatngat. Inis na inis Mommy ko sakin Ngayon yung Gen 11 lang nade detail ko. Give up na ko pakintabin yung Gen 10. Hirap talaga pag silver.

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[_Cathy_]

kahit gano kalaki or kaliit ang sweldo.. dapat matuto lang mag budget.. save save save lang yan.. save mo kalahati then pagkasyahin mo lang yung kalahati sa lahat nang gastusin mo..

lalo na kung single pa.. tapos nakatira ka pa sa parents mo.. walang monthly expense for food, house etc.. pati maintenance nang car and parking libre? malaki dapat ma sa save mo nyan..

Dati 50% pero ngayon kasi ako na nagbabayad ng gas ko. Yung PMS minsan ako na rin. Saka yung nag alaga sakin since baby ako matanda na ngayon and I pay for all her medical needs (check up, meds, allowance etc). Pag nag grocery ako ako na din nagbabayad. Yung fat lab ko malaki din expense ko. Di ko rin alam pero wala talaga natitira. Hindi naman ako mahilig mag gimik or travel.

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[remzam]

Dati 50% pero ngayon kasi ako na nagbabayad ng gas ko. Yung PMS minsan ako na rin. Saka yung nag alaga sakin since baby ako matanda na ngayon and I pay for all her medical needs (check up, meds, allowance etc). Pag nag grocery ako ako na din nagbabayad. Yung fat lab ko malaki din expense ko. Di ko rin alam pero wala talaga natitira. Hindi naman ako mahilig mag gimik or travel.

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Mahilig ka mag Amazon and other online orders. Small stuff adds up and until it's too late, you'll realize malaki na pala nagastos/utang mo sa CC.

Base sa mga posts mo i think you work in a bank or a financial institution. Dapat financially literate ka rin Cath.

May kaibigan ako siguro doble sahod sa akin. Pero mas marami pa ako ipon kesa sa kanya. Yes factor ang sweldo. Pero kung gastador pa rin, wala talaga maiipon. Mataas sweldo mataas lifestyle costs. Yung iba mas mataas ang lifestyle cost kesa sa sweldo, negative pa. Payong forum lang.

But in the end, your money, your gastos. Pinaghirapan mo rin naman yan. No judgment

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[_Cathy_]

Mahilig ka mag Amazon and other online orders. Small stuff adds up and until it's too late, you'll realize malaki na pala nagastos/utang mo sa CC.

Base sa mga posts mo i think you work in a bank or a financial institution. Dapat financially literate ka rin Cath.

May kaibigan ako siguro doble sahod sa akin. Pero mas marami pa ako ipon kesa sa kanya. Yes factor ang sweldo. Pero kung gastador pa rin, wala talaga maiipon. Mataas sweldo mataas lifestyle costs. Yung iba mas mataas ang lifestyle cost kesa sa sweldo, negative pa. Payong forum lang.

But in the end, your money, your gastos. Pinaghirapan mo rin naman yan. No judgment

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What I'm proud of is I have 0 debt. I pay for my CC in full and I also take advantage of cash discounts Yun nga lang, I don't have savings to buy a car or condo I have small amount in USD and EUR given to me by my family (cash gift) Bonus lang kasi namin nasa save ko, ang problema this year wala kami performance bonus

[CVT]

Even if you earn a million dollars a month;

If you spend a million and one dollars a month;

You'd still be a pauper.

[_Cathy_]

Even if you earn a million dollars a month;

If you spend a million and one dollars a month;

You'd still be a pauper.

boss, where's my chocolate

[shadow]

YOLO!


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[CVT]

YOLO!


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Kaya wala nang convert-convert!

Yeah!

[_Qwerty_]

Ok lang yan Cath kasi single ka pa.. enjoy everything.. and tama basta wala kang utang..

Ibang usapan na yan kung magkaka family ka na.. pero madali yan.. just get a husband na mayaman.. para kahit di ka mag work.. ok pa din..

[remzam]

Di ba sa mga financial literacy talks, parati nila sinasabi, your minimum target for savings dapat is at least six months of your salary. Para mawalan ka ng trabaho or maisip mo mag resign bigla for whatever reason, buhay ka, and you ha e six months to get another job. Or six months to bum around without asking money from your parents until you get a new job.

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[shadow]

Kaya wala nang convert-convert!

Yeah!

Ganyan dapat! [emoji39]


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[_Cathy_]

Ok lang yan Cath kasi single ka pa.. enjoy everything.. and tama basta wala kang utang..

Ibang usapan na yan kung magkaka family ka na.. pero madali yan.. just get a husband na mayaman.. para kahit di ka mag work.. ok pa din..

Mahirap ata mag asawa ng mayaman. Gusto ko yung same lang namin or a little higher. Pero seriously I will be the happiest person on earth if I had a husband who would let me be a housewife. I will really worship him and treat him like a king for giving me my dream life. Fantasy ko yan talaga pagsisilbihan ko na wala na siyang masasabi. Pati toothpaste sa toothbrush ihahanda ko na. Lutuin ko whatever food he wants for the day then I'll go to the gym, then grocery then when he gets home ***y time. Hahaha. That's the perfect life!

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[shadow]

Ewan ko bakit Marami takot sa utang. Sa sobrang bilis umutang sa bank take advantage of it. Halos lumuhod na bangko ngayon para umutang ka lang sa kanila.

It's a tool. Just used it wisely. You can even negotiate with them to lower interest rate.

I'm just saying sayang ngayon opportunity kung kumikita ka Naman take advantage mo line of credit sa banks.


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