What Are You Thinking About?

[_Cathy_]

Bro .... with that attitude....the only way for you is up.

*cathy.... we all can learn a thing or two from Jut. He started with much less but his outlook and perseverance will net him much more. Its all in how you look at and ACT on life.

Sent from my SM-N950F using Tapatalk Pro

But you guys have so much talent, intelligence and character. Atenean pa Destined for success talaga.

I'm just an average person.

I'm so sorry for ranting. I can't help but feel so sad when kamalasan happens to me.

[EQAddict]

Well you do have us as your digital friends...who will prop you up when you are down and smack you down when you are acting like a brat. We call it as it is. And in this case we are telling you that you are NOT starting from zero. You're 'account" balance is positive and all you have to do is change your attitude and your outlook. That costs literally nothing. Do that and believe me your trajectory will also change.

Its all a matter of perception.



Sent from my SM-N950F using Tapatalk Pro

[jut703]

But you guys have so much talent, intelligence and character. Atenean pa Destined for success talaga.

I'm just an average person.

I'm so sorry for ranting. I can't help but feel so sad when kamalasan happens to me.

The only real difference between successful people and you is GRIT and the DETERMINATION TO DO SOMETHING ABOUT IT.

Those things aren't in-born. Those are choices. You choose to acknowledge your standing in life, then do everything you can to improve it.

It's okay to feel sad. Then you turn that sadness into motivation and discipline. Bottomline - GET MOVING.

Sent from my SM-G935F using Tapatalk

[_Cathy_]

With a 50k net income I can:

- Pay for a 1BR condo (2.5M) - 21k/month
- Maintain a car (gas, PMS) - 10k/month
- Utilities - 5k/month
- Day-to-day expenses - 12k/month
- Savings - 2k/month

What you can't do is downsize your life. Actually you can, you're just not willing to. Until you do that, you'll never be financially independent.


Sent from my SM-G935F using Tapatalk

I will recall my spending this weekend

Saturday:
150 flowers for my Lola
1800 grocery (this is not our household grocery, just miscellaneous)
5000 food for fat lab
170 wheat bread + ube roll
75 Shawarma

Sunday:
150 bananas fat lab
700 lunch (Mom and I)
190 toys fat lab (buy 1 get 1 so this is a steal)

Monday
Dentist - 5200
Cake - 510
Drinks - 280
Credit Card - 10200

I guess I can delete some of it

[mda]

Ano laman ng CC bill? O:

[Wh1stl3r]

*Cathy
I made 12k/month before taxes in my first job. To save money, I ate a packed lunch or carinderia takeout plastic baggies and bought only the essentials.

When I was starting my business I sold stuff retail out of the back of a borrowed car. When I started selling to companies I was my own sales agent and collector. Even drove my own truck to make deliveries.

During those times, even when I wasn't making much I never felt like I was poor. Even with my meager income I could buy what I needed. I didn't have money for nice things. But it always felt great that the money I made came from the sweat off my back. I wanted a lot of stuff I couldn't afford, but even without those things I was happy.

Now I sell stuff out of the back of my own car. How awesome is that? April fools lol.

Doing a lot better now but same as before, I still want stuff I can't afford but even without those things I'm still happy. Only difference is the stuff I want now is a bit more expensive. So to me it's just really learning how to live within your means.

I'd try to absorb whatever I can from the guys here. I'm constantly amazed at how generous they are with their hard earned lessons from life experiences. They say experience is the best teacher. How awesome is it to get those lessons here for free?

You should really put more thought into trying to change the way you view and do things. One thing is for sure. If you don't change, your life will more or less stay the same (if you're lucky).

[_Cathy_]

Well you do have us as your digital friends...who will prop you up when you are down and smack you down when you are acting like a brat. We call it as it is. And in this case we are telling you that you are NOT starting from zero. You're 'account" balance is positive and all you have to do is change your attitude and your outlook. That costs literally nothing. Do that and believe me your trajectory will also change.

Its all a matter of perception.

Sent from my SM-N950F using Tapatalk Pro

I really appreciate that you still are kind to me. I do need people who will say things as it is and not sugar coat things. I would be very happy if I can just achieve a quarter of what you achieved in life. Remember when you bought your Dad a fortuner?That's my dream for my Dad. When I was in my teens (90s) my Dad mentioned that he liked the ride of the Nissan Safari. I said to myself that when I work, I will surprise my Dad with a Safari. Phase out na Safari, never happened. hehehe.

The only real difference between successful people and you is GRIT and the DETERMINATION TO DO SOMETHING ABOUT IT.

Those things aren't in-born. Those are choices. You choose to acknowledge your standing in life, then do everything you can to improve it.

It's okay to feel sad. Then you turn that sadness into motivation and discipline. Bottomline - GET MOVING.

Sent from my SM-G935F using Tapatalk

I have to admit I do lack determination and motivation. But because of Tsikot, I am saving part of my salary now. Not much but I am conscious not to zero out my salary anymore.

[jut703]

Remember when you bought your Dad a fortuner?That's my dream for my Dad.

Correction - LAND CRUISER. [emoji16]


Sent from my SM-G935F using Tapatalk

[_Cathy_]

Ano laman ng CC bill? O:

Gift for my Boss P2644
Gift for my colleague P999
Gas
Toll
Uber

*Cathy
I made 12k/month before taxes in my first job. To save money, I ate a packed lunch or carinderia takeout plastic baggies and bought only the essentials. .

What year is that Weird nga because I eat packed lunch also. My lunch is specific so I don't normally eat out Mon to Thu. Pag Friday I have lunch and dinner with friends. If I didn't make baon, I would have less money pa.

[_Cathy_]

Correction - LAND CRUISER. [emoji16]


Sent from my SM-G935F using Tapatalk

Before the land cruiser I know he bought a Fort pa.

[EQAddict]

Before the land cruiser I know he bought a Fort pa.

Wow you recalled that? That was 3 yrs ago hehe.

But if you can recall anything....recall our advice. Lots of stuff said here are good lessons that i am also going to file for myself.



Sent from my SM-N950F using Tapatalk Pro

[mda]

Gift for my Boss P2644
Gift for my colleague P999
Gas
Toll
Uber



What year is that Weird nga because I eat packed lunch also. My lunch is specific so I don't normally eat out Mon to Thu. Pag Friday I have lunch and dinner with friends. If I didn't make baon, I would have less money pa.

Well eto yung mga unecessary expenses I guess. If you want to cut down you could start there.

The most we gave our boss was a 600 peso gift... Hati pa kami - 3 kami nun haha

[jut703]

Gift for my Boss P2644
Gift for my colleague P999

I know it's nice to be generous, but that's still spending WAY beyond your means.

I'm sure your boss wouldn't want you spending that much on a gift for him if he knew you couldn't even live on your own.

Sent from my SM-G935F using Tapatalk

[MR_BIG18]

Di kami aabot ng 100k a month sa gastos...

Sent from my SM-G955F using Tsikot Forums mobile app

[_Cathy_]

Wow you recalled that? That was 3 yrs ago hehe.

But if you can recall anything....recall our advice. Lots of stuff said here are good lessons that i am also going to file for myself.

Sent from my SM-N950F using Tapatalk Pro

I will never forget that because that's something I dreamed of doing for my Dad

Yes, I am so glad to have you all as my virtual friends. I listened to your advise re the inheritance ha

[AllenR]

This is the only forum I've been to where I've learned so many valuable life lessons. Thank you, everyone.

[_Cathy_]

Well eto yung mga unecessary expenses I guess. If you want to cut down you could start there.

The most we gave our boss was a 600 peso gift... Hati pa kami - 3 kami nun haha

Ano naman mabibili mo sa P600! hahaha!

I know it's nice to be generous, but that's still spending WAY beyond your means.

I'm sure your boss wouldn't want you spending that much on a gift for him if he knew you couldn't even live on your own.

Sent from my SM-G935F using Tapatalk

He knows I live with my parents and I always complain to him about my low salary BTW, that was my birthday gift for my boss. He sends me so much goodies din kasi. I spend more for gifts for my VP here in Manila. Hindi pa ko galante dahil may nagreregalo sa VP namin pandora charms at handbag.

Di kami aabot ng 100k a month sa gastos...

Sent from my SM-G955F using Tsikot Forums mobile app

education pa lang how much na? Saka yung kilos of chicken and beef mo, that is so expensive.

[MR_BIG18]

Ano naman mabibili mo sa P600! hahaha!



He knows I live with my parents and I always complain to him about my low salary BTW, that was my birthday gift for my boss. He sends me so much goodies din kasi. I spend more for gifts for my VP here in Manila. Hindi pa ko galante dahil may nagreregalo sa VP namin pandora charms at handbag.



education pa lang how much na? Saka yung kilos of chicken and beef mo, that is so expensive.

Education..10k++ month
Libre books ng anak ko..even the quarterly field trips are included..
Car loan..21k
Utilities/lpg,meralco,maynilad-5k
Gas-6k
Food/groceries.. 24k
Taekwondo & piano lessons 1.8k & 2k
2 Cellphone plans 1.8k and 2.9k
2 Gym memberships: 4k
Misc yung susobra or for car insurance..


I cook my own food and we rarely eat out..if we do eat out...sila lang.. i just watch them eat..if i do order..its for out, kasi tinamad ako mag luto ng gabi..1.5k is my budget a week for meats..you can see, di aabot ng 100k..



Sent from my SM-G955F using Tsikot Forums mobile app

[mda]

Ano naman mabibili mo sa P600! hahaha!

IIRC we bought him a pen hehe

[_Cathy_]

Education..10k++ month
Libre books ng anak ko..even the quarterly field trips are included..
Car loan..21k
Utilities/lpg,meralco,maynilad-5k
Gas-6k
Food/groceries.. 24k
Taekwondo & piano lessons 1.8k & 2k
2 Cellphone plans 1.8k and 2.9k
2 Gym memberships: 4k
Misc yung susobra or for car insurance..


I cook my own food and we rarely eat out..if we do eat out...sila lang.. i just watch them eat..if i do order..its for out, kasi tinamad ako mag luto ng gabi..1.5k is my budget a week for meats..you can see, di aabot ng 100k..



Sent from my SM-G955F using Tsikot Forums mobile app

You don't have mortgage kasi. Paano pa yung spending sa toys/clothes/tech/personal care purchases? Maintenance like haircut, nails, dentist doctor's visits, vitamins, pet care.

Sent from my GT-N7100 using Tapatalk