What Are You Thinking About?

[jut703]

Contentment is a double edged sword. On one end, you can find hapiness even in smallest things. On the other end, you might loose focus on your end goal. I guess it comes with age?

20 to 35 - goal driven
35 onwards - contentment?

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I don't think contentment and motivation are mutually exclusive.

You can be happy with where you are, yet always have your sights towards improving yourself.

To use a sports example, I think I play pretty decent badminton, enough to beat a high school varsity player perhaps. I'm grateful to be able to play at that level, especially as so many people don't even have the fitness level to do so even if they wanted to.

But that doesn't mean I'm okay with stagnating. Every time I play, I always try to raise my level to be able to compete with the college varsity players. I always try to find ways to improve my game and work on it slowly but surely. I get frustrated every time I have bad games, but overall I'm still happy that I get to play.

You can replace badminton with income, career, love life, etc.



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[ray_noel]

I know easier said than done if you already have a certain outlook ingrained, but a paradigm shift is the only way for a better life.

3 tips I'd give:

1. Focus on your sphere of influence
2. Have a clear vision of what you want and how to get there
3. Suck it up through the tough times and don't give up

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I would strongly agree on this... 7 habits of highly effective people training i had last week...

That was so good. You can apply it in your personal life and at work!

First things first, Start with and END in mind and among others....

Good luck ms cathy!



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[n_spinner06]

Have to start somewhere... Pero normally, laid back work + high salary... not possible.

This is what i'm aiming for. Haha. But i wonder if yung fulfillment would suffer.

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[Nelson de Leon]

Definitely agree. I know a lot of people (myself included) who have none of what Cathy has but are grateful nonetheless.

An attitude of gratitude goes a very long way.

I know easier said than done if you already have a certain outlook ingrained, but a paradigm shift is the only way for a better life.

3 tips I'd give:

1. Focus on your sphere of influence
2. Have a clear vision of what you want and how to get there
3. Suck it up through the tough times and don't give up

Good luck Cathy. I hope you find peace and contentment.

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Just to add, you learn unlad contented and happy with what you have pero you still strive to achieve your dreams.

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[_Cathy_]

You have access to other properties that you can dispose off for cash. Your aunties constantly buy you small presents. Sometimes its also looking at the glass as half full rather than half empty.

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We can't dispose it because we don't have money to pay estate tax. It's so complicated

But thank you for reminding me that I am so lucky with my Aunties. I really am. Their generosity is more than I could ever ask for (two of them volunteered to pay for my education in the US) I had an argument with my Mom because I told her I want to sell my Gen 11. She thinks it's so impulsive of me to want to sell my Gen 11 because of a locking problem. I told her I will just borrow money from my Aunt and she got mad at me. My Aunt said kasi after I bought my Gen 11 that I should have told her I wanted a Montero so she could have given me the 300k difference. So I am kinda just "claiming" it now. I already told my Mom magtiis na lang ako sa sirain ko na Gen 11.

Akala ko ano na ang problema ni cathy. Pambili lang pala ng bagong kotse. [emoji28][emoji28][emoji28]

Car loan lang katapat nyan cat.

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We don't loan cars talaga. I live debt free. The only time I will loan will be for a property.

Have to start somewhere... Pero normally, laid back work + high salary... not possible.

It's possible for our local VP. LOL. Yun nga lang, muntik ng matanggal hahaha

I know a lot of people (myself included) who have none of what Cathy has but are grateful nonetheless.

I disagree. You have everything that a lot of people (including myself) don't have - youth, successful career, stable relationship, healthy family.

[MR_BIG18]

We can't dispose it because we don't have money to pay estate tax. It's so complicated

But thank you for reminding me that I am so lucky with my Aunties. I really am. Their generosity is more than I could ever ask for (two of them volunteered to pay for my education in the US) I had an argument with my Mom because I told her I want to sell my Gen 11. She thinks it's so impulsive of me to want to sell my Gen 11 because of a locking problem. I told her I will just borrow money from my Aunt and she got mad at me. My Aunt said kasi after I bought my Gen 11 that I should have told her I wanted a Montero so she could have given me the 300k difference. So I am kinda just "claiming" it now. I already told my Mom magtiis na lang ako sa sirain ko na Gen 11.



We don't loan cars talaga. I live debt free. The only time I will loan will be for a property.



It's possible for our local VP. LOL. Yun nga lang, muntik ng matanggal hahaha



I disagree. You have everything that a lot of people (including myself) don't have - youth, successful career, stable relationship, healthy family.

Estate tax...pa asses nyo muna...you can pay now via installment..

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[_Cathy_]

Exactly. I was driving down McKinley a few days ago and I wondered - "Are those living in Forbes and Dasma any happier than the people living in, say, Sampaloc?"

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This reminds me of my friend who was genuinely so distraught when her parents told her they might need to move out of their house in Makati to Alabang. She complained about how Alabang is so far, the toll is so expensive and her gas consumption will go up etc etc. Awang awa na siya sa sarili niya na lilipat sila sa AAV

But I do think people who live in lower middle class neighborhoods are happier. Whenever I would watch the news about new years celebrations in Tondo, naiinggit ako. So much people and they can just be happy and silly.

100k is ok if youre debt free..

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I am debt free but 100k net is definitely not enough for a person living alone and paying all the bills.

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Estate tax...pa asses nyo muna...you can pay now via installment..

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We already did. Hindi kaya talaga.

[MR_BIG18]

This reminds me of my friend who was genuinely so distraught when her parents told her they might need to move out of their house in Makati to Alabang. She complained about how Alabang is so far, the toll is so expensive and her gas consumption will go up etc etc. Awang awa na siya sa sarili niya na lilipat sila sa AAV

But I do think people who live in lower middle class neighborhoods are happier. Whenever I would watch the news about new years celebrations in Tondo, naiinggit ako. So much people and they can just be happy and silly.



I am debt free but 100k net is definitely not enough for a person living alone and paying all the bills.

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We already did. Hindi kaya talaga.

Get a good tax lawyer...

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[SpinCycle]

As per TRAIN, Family homes valued up to P10M are now exempted from estate tax.

And everything else is a flat tax rate of 6% as opposed to previously being a progressive tax rate.

You might find that your estate tax this year is very low or zero.




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[jut703]

I disagree. You have everything that a lot of people (including myself) don't have - youth, successful career, stable relationship, healthy family.

I was referring to the things EQ mentioned - your 2 cars, your home in an exclusive subdivision plus an ancestral home in the province, etc.

My car? I worked for it. My condo? I saved for it. My relationship? I persevered for it. My career? I invested my time and effort for it.

My parents never gave me a car (nor could they afford to). My family has never owned a home. I didn't have a lot of the things my classmates had growing up. But I didn't sulk - I made a plan to improve my life, and worked for it. I can proudly say that everything was earned, not given.

There will always be things that other people have that we don't. But likewise, there are things that we have that others don't. And that's what we should be focusing on so we can live a life of gratitude.



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[jut703]

I would strongly agree on this... 7 habits of highly effective people training i had last week...

That was so good. You can apply it in your personal life and at work!

First things first, Start with and END in mind and among others....

Good luck ms cathy!



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Yes bro, I was referencing the 7 habits when I made that post.

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[jut703]

I am debt free but 100k net is definitely not enough for a person living alone and paying all the bills.

That's a slap in the face to the millions of Filipinos, families even, who live with far less than 100k net a month.

When I was a fresh grad, I wasn't making anywhere close to 100k net a month. But I could afford to live on my own if I needed to.


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[Calistro]

..What are you willing to give up to get a hold of your dreams...?

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[MR_BIG18]

As per TRAIN, Family homes valued up to P10M are now exempted from estate tax.

And everything else is a flat tax rate of 6% as opposed to previously being a progressive tax rate.

You might find that your estate tax this year is very low or zero.




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We recently transfered properties under my name via deed of sale..it maybe 6% if we go through the extra judicial process, problem was the asses value in most of our properties went up 150%..hinabol namin yung deadline which was feb 15

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[Archerfish]

I was referring to the things EQ mentioned - your 2 cars, your home in an exclusive subdivision plus an ancestral home in the province, etc.

My car? I worked for it. My condo? I saved for it. My relationship? I persevered for it. My career? I invested my time and effort for it.

My parents never gave me a car (nor could they afford to). My family has never owned a home. I didn't have a lot of the things my classmates had growing up. But I didn't sulk - I made a plan to improve my life, and worked for it. I can proudly say that everything was earned, not given.

There will always be things that other people have that we don't. But likewise, there are things that we have that others don't. And that's what we should be focusing on so we can live a life of gratitude.



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I really admire you... I hope I have been a good role model to my kids that they may reach a similar status like yours.

[_Cathy_]

Get a good tax lawyer...

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I don't know with my 91 year old Lola. Yung family lawyer namin 80+ yrs old na

As per TRAIN, Family homes valued up to P10M are now exempted from estate tax.

And everything else is a flat tax rate of 6% as opposed to previously being a progressive tax rate.

You might find that your estate tax this year is very low or zero.

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We are not selling our family home. We are selling the vacation and agricultural properties.

I was referring to the things EQ mentioned - your 2 cars, your home in an exclusive subdivision plus an ancestral home in the province, etc.

My car? I worked for it. My condo? I saved for it. My relationship? I persevered for it. My career? I invested my time and effort for it.

My parents never gave me a car (nor could they afford to). My family has never owned a home. I didn't have a lot of the things my classmates had growing up. But I didn't sulk - I made a plan to improve my life, and worked for it. I can proudly say that everything was earned, not given.

There will always be things that other people have that we don't. But likewise, there are things that we have that others don't. And that's what we should be focusing on so we can live a life of gratitude.

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I don't want to tell my life story here. ULS knows how hard my life is now. Maawa kayo sakin kung alam niyo what I have been through in my life. Two of my friends in the office know and ever since they have been extra nice to me. I'm probably a reminder to them that their life is good.

[jut703]

I don't want to tell my life story here. ULS knows how hard my life is now. Maawa kayo sakin kung alam niyo what I have been through in my life. Two of my friends in the office know and ever since they have been extra nice to me. I'm probably a reminder to them that their life is good.

Ok, so your life is hard. What will you do about it?


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[_Cathy_]

That's a slap in the face to the millions of Filipinos, families even, who live with far less than 100k net a month.

When I was a fresh grad, I wasn't making anywhere close to 100k net a month. But I could afford to live on my own if I needed to.

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But I meant a salary for me to be able to mortgage a property, pay household bills, maintain a car and have enough savings.

..What are you willing to give up to get a hold of your dreams...?

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My dream is to be a housewife

[EQAddict]

My car? I worked for it. My condo? I saved for it. My relationship? I persevered for it. My career? I invested my time and effort for it.

My parents never gave me a car (nor could they afford to). My family has never owned a home. I didn't have a lot of the things my classmates had growing up. But I didn't sulk - I made a plan to improve my life, and worked for it. I can proudly say that everything was earned, not given.

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.

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[jut703]

But I meant a salary for me to be able to mortgage a property, pay household bills, maintain a car and have enough savings.

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.




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