What is your average monthly expenses and how much do you save?

[badkuk]

what's more, nauuna ang ma govt offices sa pagdeclare ng no-work pag me bagyo ^_^ Ano pa kaya kung naapprove yung 4-day workweek?

[JJ All Day]

Yup. CBA signing bonus for staff only. Performance bonus depends on employee rating and profitability of the bank.

I don't think our officers had profit sharing. They have great benefits already. Hospitalization covered at any hospital with any doctor of their choice. Kaya our officers always got the most expensive doctors. Meds included (dati pati supplements). Low rates for housing loan and car loan. They also have a lifestyle allowance (country club etc)

Staff and officers no interest personal loan. We can also buy shares of the bank lower than market price. This is where I made money talaga. My well to do colleagues bought max num of shares as high as half of their salary deducted monthly.

In the bank where I am employed at, the PS is for officers only. There is no PS for rank-and-file. Yes, it is true that the benefits for officers is much better than the rank-and-file. Take for example that car plan for officers which, depending on rank, may be free (no share at all) or 50-50 sharing (the 50% officer share to be paid in 3 or 5 years at 0%). One can re-avail for another car plan, once you finished paying for your existing car plan. That means, every 3 or 5 years, may bago kang auto.

[JJ All Day]

you're still very young sir. I thought you're already at least in your late 40s to middle or late 50s, ang bata nyo pa naging milyonaryo 😮 saka yung anak mo nasa mga 20s pa siguro siya. indeed god is good. nakapagsubaybay din ako sa mga posts mo sir and i understand that you're connected with the supreme court. totoo ba talagang may "ma'am arlene" dyan na tinaguriang "Janet Lim napoles ng judiciary" o kathang isip lang siguro yan ng media?
BTT I use cash in my expenses no CC anymore straight from my monthly pension. the lumpsum for 5 years that I received when I retired a couple of years ago still in the bank almost intact pa.

This made me think ng matagal kung magcocomment ako or hind =)

[Juan Martinez]

This made me think ng matagal kung magcocomment ako or hind =)

bakit naman sir? di naman tayo taga NSA ☺

[holdencaulfield]

what's more, nauuna ang ma govt offices sa pagdeclare ng no-work pag me bagyo ^_^ Ano pa kaya kung naapprove yung 4-day workweek?

nag 4 day work week na kami noon. panahon ni gloria tapos si gordon yung tourism sec. rason ni gordon,mas maboboost ang tourism at menos gamit sa kuryente.

may dagdag na two hours sa kada araw namin noon. 10hrs kaming nasa opis sa 4days.

boss namin namimili kung either monday or friday ang off namin. hindi lahat sabay sabay mag off so may 5 day operation pa rin ang office.

boring kasi ako lang laman ng bahay at mga langgam.

[JJ All Day]

bakit naman sir? di naman tayo taga NSA ☺

Off topic kasi, hahaha!

[glenn manikis]

*cvt anong company Po? Kanino po sila nag p.o. Baka wala pang p.o. Maybe I can give a better offer? Ano po capacity ng genset? Ilan kva? Addl. Income din po yan sir...

Mag baseline po tayo... Magkano kuha nyo and Magkano pwede ko ibigay.. Then yung sobra commission na....

[JJ All Day]

Back to topic.

Can someone explain the difference between EXPENSES and EXPENDITURES?

I noticed that this create confusion to many because:

What is asked is "EXPENSES" and "SAVINGS" only but, for you to arrive at SAVINGS, both EXPENSES and EXPENDITURES should be considered.

No one is posting figures about their INCOME. Instead, some are posting figures for their EXPENSES only, while some posts both figures for their EXPENSES and EXPENDITURES.

Thus, those who want to compute and compare are lost.

[glenn manikis]

nung nasa gov`t ako. ang aim kong pasukin PCSO, PAGCOR at BOC. SSS oks din afaik. panalo mga benefits.

Sss hindi na din Maganda dun... Mas Maganda pa sa judiciary.. Simula ng umupo pnoy... Tinangal lahat ng benifits nila...

[CVT]

*cvt anong company Po? Kanino po sila nag p.o. Baka wala pang p.o. Maybe I can give a better offer? Ano po capacity ng genset? Ilan kva? Addl. Income din po yan sir...

Mag baseline po tayo... Magkano kuha nyo and Magkano pwede ko ibigay.. Then yung sobra commission na....

Sorry bro.,- I could not share information....

I was made to understand by their big boss that they already released the PO for this, -as I was consistently following-up with them because of the shutdown we experienced last year when their unit conked out during one of those storms....

And, that is their internal business/dealings... Sorry, could not be of help here...


"The measure of a man is what he does with power" LJIOHF!

26.5K _/_/_/_/_/:taunt:_/_/_/_/_/

[chua_riwap]

Sss hindi na din Maganda dun... Mas Maganda pa sa judiciary.. Simula ng umupo pnoy... Tinangal lahat ng benifits nila...

How about GSIS? Isa raw sa mga GOCC na ok daw pa sweldo at benefits.

[Bin Diesel]

How about GSIS? Isa raw sa mga GOCC na ok daw pa sweldo at benefits.

Mula din ng maupo si PNoy nabawasan na din mga benefits.

- - - - - - - - - - - - - - - - - - - - - -

How about GSIS? Isa raw sa mga GOCC na ok daw pa sweldo at benefits.

Mula din ng maupo si PNoy nabawasan na din mga benefits.

[CVT]

^^^ Baka sa rank and file and staff lang bro...

Di ba't iyang GSIS, or SSS ba? May P1M performance bonus ang mga pinuno,- na-headline iyan di ba?


"The measure of a man is what he does with power" LJIOHF!

26.5K _/_/_/_/_/:taunt:_/_/_/_/_/

[Tallguy]

Daming nagiging mayaman sa gobyerno if sa customs, bir ka

[holdencaulfield]

Sss hindi na din Maganda dun... Mas Maganda pa sa judiciary.. Simula ng umupo pnoy... Tinangal lahat ng benifits nila...

sabagay, wala nako sa gob mula nung naupo yang si pnoy. kaming nasa rice noon ang allowance namin isang sako lang, yung kapitbahay naming PCSO tatlong sako ang dinig ko.

kaya masuwerte mga ka opisina kong nakapasa sa pcso.

[holdencaulfield]

Daming nagiging mayaman sa gobyerno if sa customs, bir ka

eh di ba yung messenger lang diyan may resort? san ka pa?

hayup di ba?

[glenn manikis]

^^^ Baka sa rank and file and staff lang bro...

Di ba't iyang GSIS, or SSS ba? May P1M performance bonus ang mga pinuno,- na-headline iyan di ba?


"The measure of a man is what he does with power" LJIOHF!

26.5K _/_/_/_/_/:taunt:_/_/_/_/_/

Mga consultants Lang ang binigyan ng 1m, maganda daw kasi performance nila kaya binigyan nila sarile nila ng bonus... Co-terminous position lahat yan

[ClaNker]

The thread have been officially derailed. Lipat sa chatbox thread ot boys.

[cast_no_shadow]

How about GSIS? Isa raw sa mga GOCC na ok daw pa sweldo at benefits.

GSIS? TOTL ng GOCCs yan

[dreamur]

Back to topic.

Can someone explain the difference between EXPENSES and EXPENDITURES?

I noticed that this create confusion to many because:

What is asked is "EXPENSES" and "SAVINGS" only but, for you to arrive at SAVINGS, both EXPENSES and EXPENDITURES should be considered.

No one is posting figures about their INCOME. Instead, some are posting figures for their EXPENSES only, while some posts both figures for their EXPENSES and EXPENDITURES.

Thus, those who want to compute and compare are lost.

Taking expenses and expenditures plus savings would more or less give one an idea of how much is the gross income. I specifically did not ask for earning figures to avoid offending the sensibility of others as the intention of the thread is to learn how to save. So far I learned that:

1. Income - savings = expense is just a theory and would be very difficult to sustain.


2. Banks offer better benefits in terms of bonuses and other incentives

3. Only hi-tech companies offer share based compensation

4. Working for the government will not make you rich, unless you are corrupt.

5. Running your own business is risky unless you sell gen sets and have a business minded daughter

6. Nissan urvan can be bought cheap if repossessed but isuzu crosswind is ideal for vhire business

7. I am in the wrong line of work