What Are You Thinking About?

[makyong]

Cat, 2 options -marry a rich guy.

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Or a foreigner,
Para maganda rin lahi[emoji4]



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[cast_no_shadow]

I'm in my 30s and can't even afford a car, much more a house! How do people do it so early. Am I really earning pennies

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wala kasi yung urgency of need to pay for those since it is already provided for you.

Pag kinailangan mo na for sure magagawa mo yan.

Cliche might it sound pero yun nga wala sa laki or liit ng income yan.

[_Cathy_]

Or a foreigner,
Para maganda rin lahi[emoji4]



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That is true. It's interesting how when I was younger I didn't like Caucasians (even half). I assumed that Filipinas married foreigners because they could not get Filipinos. I know it was mean of me to assume and judge but that was the common stereotype.

BUT ever since I worked with Caucasian expats, I've had a 180 degree turn of opinion, in fact I think Filipinas that marry highly educated (at least middle class) Caucasians won the jackpot The problem is these eligible bachelor Caucasians would probably go for Caucasian women as well.

Now I realize there is so much wisdom in my Lola because she was the one who wanted me to marry Caucasian (my lolo's best friend is American).

[jut703]

I'm in my 30s and can't even afford a car, much more a house! How do people do it so early. Am I really earning pennies

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Set goals for yourself. Say, you want a house in 3 years. Compute for the cost of that, factor in inflation.

Assess how you'll get there. Check your current finances - how much are you making? More importantly, how much do you save in a month?

If your savings are insufficient to fulfill your goals, it really just boils down to two things - either your goal is too lofty, your savings are too small, or both.

If your savings are too small, assess why. How many percent of your gross income do you have left at the end of the month? Examine your expenses, are all of them necessary? Is your lifestyle something that you can support on your own? If not, why not reassess and live a simpler life? If you're too comfortable with your current lifestyle, ask yourself if achieving your goal is really worth sacrificing for.

If, after adjustments to your lifestyle, your savings are still insufficient, perhaps it's time to reevaluate your earnings. You know for a fact that you're earning below you're market rate, then do something about it. If your company will not give you a raise or promotion, then look elsewhere. If you're not willing to do so because your work is comfortable, then ask yourself again if you're willing to trade comfort for achieving your goals.

If, after increasing your savings and income, you still can't achieve your goal, reexamine your goal. Is it achievable? Is the timeline you set for yourself sufficient? If you want a house in a posh subdivision, you'll have to earn several hundreds of thousands of pesos a month to afford it. If that's not possible, perhaps you can recalibrate your expectations. Perhaps a house in a more affordable location? Perhaps a longer timeline?

At the end of the day, it boils down to 3 things - assessing where you are now, setting your goals, and most importantly, working towards them, even if it means stepping out of your comfort zone.


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[minicarph]

I'm in my 30s and can't even afford a car, much more a house! How do people do it so early. Am I really earning pennies


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People who do it early will have mental sickness later on in life, either Halz Haimer o Anneurysm

Kaya wag ka mag-alala

[Jun aka Pekto]

I'm in my 30s and can't even afford a car, much more a house! How do people do it so early. Am I really earning pennies

If I was in the PH, I would:

1. Make do with my six-year old netbook and possibly my 10-year old Mac Mini or acquire their used/second-hand equivalents. Or....dispense with them totally.

2. I'd use my cheap $19 flip up phone in lieu of a smartphone. Heck. I do that right now.

3. I would have no Internet at home, relying solely at WiFi hot spots and Internet cafes to do my surfing.

4. My clothes and shoes would be bought from the open-air markets or discount stores.

5. I would live with my parents and save the money I would have spent on rent and utilities. I might have to contribute a little to my folks just to be polite. But, I would save the rest.

6. I would carry bagged lunches to work and eat home-cooked meals 99% of the time. I do that here as well.

7. I would commute to work and back. I commuted a few times during my last visit there. I had none of the stress my brother in law had in his daily drives. Quite honestly, I rather mingle with the rank and file rather than be a privileged driver over there. Sure, it doesn't do much for this forum (a car forum). But, oh well.

8. I'd keep myself healthy and in shape to minimize medical expenses.

9. I'd still have a small decades-old CRT TV and rely on over-the air broadcasts for reception.

I have a cousin there who works at BGC. He and his wife commute daily back and forth between Cavite and work. They have a decent house and have some amenities.

I also have a couple of cousins who started out living in an unpainted cement block house with a single-layer corrugated sheet roof and a dirt floor. They worked and scrimped until they had enough to set up a business. They now live at one of the nicer subdivisions in Subic.

[minicarph]

That is true. It's interesting how when I was younger I didn't like Caucasians (even half). I assumed that Filipinas married foreigners because they could not get Filipinos. I know it was mean of me to assume and judge but that was the common stereotype.

BUT ever since I worked with Caucasian expats, I've had a 180 degree turn of opinion, in fact I think Filipinas that marry highly educated (at least middle class) Caucasians won the jackpot The problem is these eligible bachelor Caucasians would probably go for Caucasian women as well.

Now I realize there is so much wisdom in my Lola because she was the one who wanted me to marry Caucasian (my lolo's best friend is American).

basta siguraduhin mo lang na hindi sila ma-tissue paper sa CR

[minicarph]

Set goals for yourself. Say, you want a house in 3 years. Compute for the cost of that, factor in inflation.

Assess how you'll get there. Check your current finances - how much are you making? More importantly, how much do you save in a month?

If your savings are insufficient to fulfill your goals, it really just boils down to two things - either your goal is too lofty, your savings are too small, or both.

If your savings are too small, assess why. How many percent of your gross income do you have left at the end of the month? Examine your expenses, are all of them necessary? Is your lifestyle something that you can support on your own? If not, why not reassess and live a simpler life? If you're too comfortable with your current lifestyle, ask yourself if achieving your goal is really worth sacrificing for.

If, after adjustments to your lifestyle, your savings are still insufficient, perhaps it's time to reevaluate your earnings. You know for a fact that you're earning below you're market rate, then do something about it. If your company will not give you a raise or promotion, then look elsewhere. If you're not willing to do so because your work is comfortable, then ask yourself again if you're willing to trade comfort for achieving your goals.

If, after increasing your savings and income, you still can't achieve your goal, reexamine your goal. Is it achievable? Is the timeline you set for yourself sufficient? If you want a house in a posh subdivision, you'll have to earn several hundreds of thousands of pesos a month to afford it. If that's not possible, perhaps you can recalibrate your expectations. Perhaps a house in a more affordable location? Perhaps a longer timeline?

At the end of the day, it boils down to 3 things - assessing where you are now, setting your goals, and most importantly, working towards them, even if it means stepping out of your comfort zone.


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in short, parang if - then - else lang

[_Cathy_]

I decided today that I will not rely on my family anymore.

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[Calistro]

Hirap maghanap ng kasambahay