What Are You Thinking About?

**EQAddict** · April 26th, 2018 08:34 PM

Dude...remember what i said. Pain now is gain later. While you are young....bite the bullet. Your salary will inevitably increase so might as well take the loan now. 5 yrs is a short time. In a blink of an eye you will be on your 2nd property.

Kayod now is better than kayod later.

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**dreamur** · April 26th, 2018 09:04 PM

10 year term since you are still young then lump sum payments when able. I did 10 on mine and settled it on the 7th.

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**minicarph** · April 26th, 2018 09:49 PM

Originally Posted by EQAddict

Dude...remember what i said. Pain now is gain later. While you are young....bite the bullet. Your salary will inevitably increase so might as well take the loan now. 5 yrs is a short time. In a blink of an eye you will be on your 2nd property.

Kayod now is better than kayod later.

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yes mangutang na lang kayo. ang gusto talaga ng nature mangutang tayo lahat, hindi charity. charity is dangerous pero pag nangutang ka, yun interest payments nyo bumabalik sa money circle which in turn lumalaki therefore madami pa iba tao mapapautang

para sa kin, pag nangugutang ako, nag-chacharity ako kasi yun interest ang contribution ko sa ekonomiya, at yun determination ko mabayaran ang utang yun naman ang purpose ko sa mundo for me to not to quit the ever increasing challenges in our lives

kita nyo mga bansa na mga kumabig tapos ayaw magbayad ng utang, Libya, Beirut, Argentina, Greece, hindi naman America nang-gyera sa kanila coz ayaw nila magbayad ng utang, inallow ng nature na gyerahin at sirain ang mundo nila coz ayaw kabig sila tapos walang accountability sa pagbabayad ng utang.

Utang ang nimbento ni nature, para lagi tayo gumagalaw to realize our potentials and for the circle of life the move, you know, like a cycle

**jut703** · April 26th, 2018 10:38 PM

Originally Posted by EQAddict

Dude...remember what i said. Pain now is gain later. While you are young....bite the bullet. Your salary will inevitably increase so might as well take the loan now. 5 yrs is a short time. In a blink of an eye you will be on your 2nd property.

Kayod now is better than kayod later.

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Yes bro. I plotted out my planned spending for the next 10 years and my projected income (incl. salary increases). Added my fiance's projected income as well (pitiful for the next 6 years hehe).

Decided on a 10 year loan to free up some space to enjoy my life while I'm still young. Though surprisingly everything just fits exactly to a tee - I thought I was gonna have a bit of a surplus. I guess I have to work extra hard and have a fair bit of luck to have a more comfortable life. [emoji4]

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**CVT** · April 26th, 2018 10:45 PM

Originally Posted by jut703

Yes bro. I plotted out my planned spending for the next 10 years and my projected income (incl. salary increases). Added my fiance's projected income as well (pitiful for the next 6 years hehe).

Decided on a 10 year loan to free up some space to enjoy my life while I'm still young. Though surprisingly everything just fits exactly to a tee - I thought I was gonna have a bit of a surplus. I guess I have to work extra hard and have a fair bit of luck to have a more comfortable life. [emoji4]

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Bro, talagang ganyan pag nagsisimula... Everyone has to go through that stage... Stay healthy and keep grinding and believing.

In a little while, everything will ease up...

**jut703** · April 26th, 2018 10:47 PM

Originally Posted by CVT

Bro, talagang ganyan pag nagsisimula... Everyone has to go through that stage... Stay healthy and keep grinding and believing.

In a little while, everything will ease up...

Mukhang ganun na nga bro. I just have to stay healthy in my 30s to 50s to still have the energy and time to enjoy life instead of just grinding it out and not reaping the fruits of my labor.

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**MR_BIG18** · April 26th, 2018 10:53 PM

Originally Posted by jut703

Mukhang ganun na nga bro. I just have to stay healthy in my 30s to 50s to still have the energy and time to enjoy life instead of just grinding it out and not reaping the fruits of my labor.

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Bat hanggang 50s lang?

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**jut703** · April 26th, 2018 11:08 PM

Originally Posted by MR_BIG18

Bat hanggang 50s lang?

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Pwede ring 90s.

But really, it's because I wanna enjoy the world while I'm young. I don't want to be 50 when I buy my first sports car, I don't want to wait until I'm a senior citizen with many aches in my body before I travel the world and see the great outdoors. But at the same time, I don't want to be YOLO like many my age who have not prepared for the future.

It's a lot to ask and it's a big balancing act. I have to work hard to fund my dreams, but I also can't be too much of a workaholic or my youth will pass me by.

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**StockEngine** · April 26th, 2018 11:22 PM

Originally Posted by EQAddict

Dude...remember what i said. Pain now is gain later. While you are young....bite the bullet. Your salary will inevitably increase so might as well take the loan now. 5 yrs is a short time. In a blink of an eye you will be on your 2nd property.

Kayod now is better than kayod later.

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4yrs done 1yr to go [emoji16]

time flies..

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**Wh1stl3r** · April 27th, 2018 12:57 AM

Originally Posted by jut703

Yes bro. I plotted out my planned spending for the next 10 years and my projected income (incl. salary increases). Added my fiance's projected income as well (pitiful for the next 6 years hehe).

Decided on a 10 year loan to free up some space to enjoy my life while I'm still young. Though surprisingly everything just fits exactly to a tee - I thought I was gonna have a bit of a surplus. I guess I have to work extra hard and have a fair bit of luck to have a more comfortable life. [emoji4]

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Bro, it also pays to have a side hustle that you enjoy. Takes care of some of the bills and it doesn't feel like work if you enjoy doing it.