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]

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

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[jut703]

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

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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]

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[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]

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[_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]

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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!

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[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]

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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!

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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.


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[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.


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[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.


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Ayon kay bro Walter, 50s. [emoji23]

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[carwhacko]

Ayon kay bro Walter, 50s. [emoji23]

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Sa dami mong alam boss baka. Haha! Ako 28 palang pero feeling ko behind ako. [emoji23]


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[mda]

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!

I have too much work na di ko yun magagawa even if I wanted to...

Pero that guy has too much free time lalo if he can do that every day...

[minicarph]

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!

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grabe naman, ang demure ba ng friend mo? tiga Makati na nga sya, pa-enslave pa sya tiga- Antipolo. wala kaya binatbat quality ang women dyan sa Rizal di tulad sa mga tiga Makati. labo niya, hiwalayan na nya yan.

mental note to all of you, pag ang liligiwan nyo tiga Antipolo, Tanay, Angono, Binangonan, mag-isip isip kayo kung sosy living na kayo sa top cities like ORtigas, Fort or Makati. Those girls not worth it. you know the best test, know their mothers, yun ang kalalabasan nyan nililigiwan nyo pag naging magasawa kayo

case in point eto kaibigan ni Cathy, under na kaibigan nya. yan halos mag nakikila ko mga female sa parts na yan, dominating nang-uunder, tas ang la-loud pa, may punto na, and I think 80% tabain

[CVT]

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

Agree. The wife should get the best car.... Yeah!

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.
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.

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I was doing something like that everyday and I've witnessed all sorts of accidents on the road in the wee hours of the night.... At one point, I though it was the end [of me] when traffic was at standstill on a bridge, it was raining hard, huge and heavy transport trucks are all around and the bridge was oscillating strongly.. Luckily it did not snap.. ... And then I decided I have to end this suffering and so I married her.. Then, it (re)-started...

Now that's dedication and forward planning.... Yeah!

[_Cathy_]

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

Strongly ask for a car from the parents? Looking back, I feel guilty when my car was over 5 years old and I told my parents I will total my car if they don't replace it But I was young and immature when I said that. I'm lucky my parents are so patient and good to me

grabe naman, ang demure ba ng friend mo? tiga Makati na nga sya, pa-enslave pa sya tiga- Antipolo. wala kaya binatbat quality ang women dyan sa Rizal di tulad sa mga tiga Makati. labo niya, hiwalayan na nya yan.

mental note to all of you, pag ang liligiwan nyo tiga Antipolo, Tanay, Angono, Binangonan, mag-isip isip kayo kung sosy living na kayo sa top cities like ORtigas, Fort or Makati. Those girls not worth it. you know the best test, know their mothers, yun ang kalalabasan nyan nililigiwan nyo pag naging magasawa kayo

case in point eto kaibigan ni Cathy, under na kaibigan nya. yan halos mag nakikila ko mga female sa parts na yan, dominating nang-uunder, tas ang la-loud pa, may punto na, and I think 80% tabain

Ang galing mo mag interpret kasi under talaga siya sa lahat ng naging GF niya I think he likes it that way, yung sinasakal siya. Laughing stock nga siya sa barkada namin. Yung GF niya before that, hindi Pilipino (expat yung parents) malapit lapit sa Makati kasi sa Rockwell may condo, pero yung bahay sa Capitol something in QC. They had to break up kasi na assign na yung Dad ng girl sa SG. Downgrade siya talaga sa pinalit niya.

[COLOR="#008080"]Agree. The wife should get the best car.... Yeah!]

Really lang ha? My brother got the best car because he got my Dad's "toy car"

[mda]

Strongly ask for a car from the parents? Looking back, I feel guilty when my car was over 5 years old and I told my parents I will total my car if they don't replace it But I was young and immature when I said that. I'm lucky my parents are so patient and good to me

I can't do that with my parents. Mas lalo pa ask a GF to do the same to hers.

Masaya na ako sa mga kotse namin. My parents are telling me to sell. I'm asking them to keep...

[_Cathy_]

I can't do that with my parents. Mas lalo pa ask a GF to do the same to hers.

I mean, if you have no car, strongly ask for it. Minsan parents kailangan lang konting pilit. If it does not work, at least you tried.

[dr. d]

Agree. The wife should get the best car.... Yeah!

years, ago, i got what i believed at that time, a car my wife would be inspired enough as to behoove her to learn to drive.
i sold it after a few years.
she refused to learn how to drive.
but that car kept me busy on weekends... cleaning...

[mda]

I mean, if you have no car, strongly ask for it. Minsan parents kailangan lang konting pilit. If it does not work, at least you tried.

If I asked, it would probably be for a Vios or a City. Any more and di kaya ng konsensya ko. Di ko alam if kaya kong makahingi ng kotse ng parents for 'my use'. Buti our cars are family vehicles... walang may actual ownership. Nobody really thinks "Walang gamitan ng kotse ko" sa amin (medyo nagulat ako na car 'ownership' among individual family members, for some families, is quite common pala).

[_Cathy_]

years, ago, i got what i believed at that time, a car my wife would be inspired enough as to behoove her to learn to drive.
i sold it after a few years.
she refused to learn how to drive.
but that car kept me busy on weekends... cleaning...

Your wife is a "princess". That's one tell (women who refuse to drive even if they have cars at their disposal)

If I asked, it would probably be for a Vios or a City. Any more and di kaya ng konsensya ko. Di ko alam if kaya kong makahingi ng kotse ng parents for 'my use'. Buti our cars are family vehicles... walang may actual ownership. Nobody really thinks "Walang gamitan ng kotse ko" sa amin (which, for some reason is quite common pala).

Bait mo naman Sa family namin, only my Dad can use everyone else's cars. The rest of us, walang hiraman ng kotse. Kahit linis, may instruction ako not to clean my car. hehehe.