What Are You Thinking About?

[_Cathy_]

Spent the afternoon planning my life/finances for the next 10 years.

Can't decide if I'll take a 5 or 10 year loan for my condo. If I take 5 years I spend much less on interest, but it'll be much harder for me to save for my next car as most of my salary will go to loan payments.

And now I'm questioning if I should even get a next car, as doing so would delay my savings for a house. I haven't even factored in the savings necessary to have kids yet. And after all that, I still have to consider the savings to build initial capital for a business! [emoji24]

Ang mahal pala mabuhay. [emoji23][emoji23][emoji23]

Sent from my SM-G935F using Tapatalk

Why would you need a new car? Your civic is not even 3. Also, your car is provided by the company diba?

Sent from my GT-N7100 using Tapatalk

[jut703]

Why would you need a new car? Your civic is not even 3. Also, your car is provided by the company diba?

Sent from my GT-N7100 using Tapatalk

Because once we get married we'll need 2 cars since we'll be working in different parts of the metro and it's not sustainable to make hatid sundo all the time.

And I was thinking that with my salary I could afford a second car. Haha wishful thinking. Kulang na kulang pa pala. [emoji23]

Maybe I should just take back the Mazda 3 instead of letting my siblings use it. [emoji23][emoji23]

Sent from my SM-G935F using Tapatalk

[papi smith]

Always remember the immortal words of OB, you need to have loans to live, because if you don't pay, patay ka

[jut703]

Always remember the immortal words of OB, you need to have loans to live, because if you don't pay, patay ka

Yeah a big chunk of my money will end up as loan payments. But even then kulang pa rin for the life I was envisioning. [emoji24]

Sent from my SM-G935F using Tapatalk

[_Cathy_]

Because once we get married we'll need 2 cars since we'll be working in different parts of the metro and it's not sustainable to make hatid sundo all the time.

And I was thinking that with my salary I could afford a second car. Haha wishful thinking. Kulang na kulang pa pala. [emoji23]

Maybe I should just take back the Mazda 3 instead of letting my siblings use it. [emoji23][emoji23]

Sent from my SM-G935F using Tapatalk

Let your GF buy her own car? Pag nagka asawa pala ako expect ko din bibilhan ako bagong auto. Lol.

I'm curious, she doesn't know how to commute? I have a friend like that, hatid sundo niya GF niya to and from work. He lives in Makati. GF lives in Antipolo and works in BGC. That's dedication!

Sent from my GT-N7100 using Tapatalk

[AllenR]

Yeah a big chunk of my money will end up as loan payments. But even then kulang pa rin for the life I was envisioning. [emoji24]

Sent from my SM-G935F using Tapatalk

Looks like you need an additional source of income. Did you also factor in any projected salary increases? Future wife's income?

[jut703]

Let your GF buy her own car? Pag nagka asawa pala ako expect ko din bibilhan ako bagong auto. Lol.

I'm curious, she doesn't know how to commute? I have a friend like that, hatid sundo niya GF niya to and from work. He lives in Makati. GF lives in Antipolo and works in BGC. That's dedication!

Sent from my GT-N7100 using Tapatalk

She'll have the Civic, I'm planning to buy the second car for myself.

She knows how to commute, she's been commuting since high school. Right now she commutes from her community health center to their house everyday. Even on normal hospital duties she commutes from St. Lukes to their house on her non-duty weekends whenever I can't bring her home.

We used to commute together when we were in college. I'd take two trains to get from ADMU to UPM. Then we would take a bus from UPM to Fairview. Then I'd take another bus from Fairview to crossing. Then hang from the back of a jeep from crossing to our place. We did that for 4 years. Our bonding was mealtime before commuting home and the entire 2 hr bus ride to Fairview from Taft.

Commuting is not a problem, we will if we have to. But that's not the life I want for us. I commuted today in the sweltering 40 degree heat. It was awful. If I had it my way, I wouldn't want my wife to be commuting after a 36-hour duty. Which is why I'm planning our finances now.

Looks like you need an additional source of income. Did you also factor in any projected salary increases? Future wife's income?

Yes I factored in the salary increases and my wife's future income. For the next 3 years, she'll make less than what a fresh graduate from college makes. Doctors don't make good money until they're in their mid-30s.


Sent from my SM-G935F using Tapatalk

[mda]

Let your GF buy her own car? Pag nagka asawa pala ako expect ko din bibilhan ako bagong auto. Lol.

At this age, wala pang pera yung nag wwork sa field of medicine...

I'm more than a few years out of college (older than jut) and my batchmates are making between 20-50k working as residents sa hospital

[carwhacko]

Ilang taon na ba si sir jut? Hehe! Baka mas matanda pa pala ako pero yung alam ko sa buhay eh kulang na kulang pa.


Sent from my iPhone using Tapatalk

[jut703]

Ilang taon na ba si sir jut? Hehe! Baka mas matanda pa pala ako pero yung alam ko sa buhay eh kulang na kulang pa.


Sent from my iPhone using Tapatalk

Ayon kay bro Walter, 50s. [emoji23]

Sent from my SM-G935F using Tapatalk