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

[EQAddict]

Its always greener on the other side of the fence.

I can tell you the tv commercial directors (the semi good ones anyway) charge 1.5m per day of shooting as professional fee. And they are booked a lot.

The big wigs in these stock brokerage firms (they are employees and their one and even two downs) haul in 100m a year.

Power industry execs are normally in the top 100 individual taxpayers. They PAY 50plus m in taxes per year.

[Juan Martinez]

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

bro I'm sure you get my drift

[Juan Martinez]

Mas Maganda pa sa judiciary...

sir, totoo ba yung sinasabi nila na yung jdf is not subject to audit because it will violate the fiscal autonomy of the supreme court. at yung mga buildings where the RTCs or MTCCs or MCTCs or MeTCs are sitting across the country are not owned by the SC but owned either by the LGUs or the National Government because the annual budget of the judiciary doesn't allot for that purpose, since its annual budget is earmarked only for salaries, allowances, and MOEEs.

[glenn manikis]

*jm may Taga coa na pumupunta din samin... Surprise inspection pa nga sila ng books namin... The Hall of justice bldgs. Ay Mostly galing sa DOJ budget... Iilan Lang galing sa local govt... May issue pa nga Pag galing sa local govt. At ang kasunod na problema dun is sino naman ang magbabayad ng electric and water bills ng HOJ bldg. na galing sa local govt.? Eh walang budget na naka alot ang SC and Doj dun...

There are 3 branches of govt.. Executive, legislative and the judiciary... Pero when it comes to budget the judiciary get only .005% of the national budget.... Kaya napupupunta sa salaries, benefits and office supplies lahat.. Wala na matitira para sa Pag pagawa ng HOJ bldgs. Kahit nga pang maintenance man Lang ng aircon ang hirap mag request ng budget... Kaya majority of hoj bldgs. In the phils. Is in poor condition... Ni walang aircon..

Usually sa local govt. Kami humihingi ng assistance...

[yebo]

Paano kung hinde maka boundary driver? Carry over the next day?

Asa ka pa. Baka iwanan na lang sa harap ng garahe mo yung unit i-lock pa ang susi sa loob, at wala na ibibigay na boundary sa iyo takbuhan ka na lang. Usually naman yung mga ganun na driver dati na nila gawa ang ganyan. Hahanap ng malipatan yan tapos yung last day nila di sasabihin sa iyo saka ka tatakbuhan. Swerte ka pa kung di ka gawan ng kalokohan. Minsan yan empty ang fuel tank, wala na reserba, HU, pati battery pag iniwan yung unit sa harap ng garahe mo. Yung isang tantadong driver nga ni erpats pati fuel pump at water pump dinale pa e. Meron pa kami isang unit na iniwan pa sa probinsiya, tinext na lang sa amin kung saan namin kukunin.

Huwag kayo papasok sa transport business kung di kayo handang manutok ng baril sa driver at kaladkadin sila sa presinto. 9/10 ng drivers ng puv mga g*go. Yung mga successful lang dyan yung mga halang din ang bituka kaya takot mga drivers nila gumawa ng kalokohan.

[_Cathy_]

game, lalakasan ko na loob ko magbigay ng numbers o.

male late 20s, single but taken living with gf and housemates, renting apartment, IT professional in a large BPO, makati based.

monthly:
take home 40k. kala nyo malaki no porke IT pro haha.
-4k utilities(cable, kuryente, tubig, phone bill) sagot ni gf internet sa bahay
-3750 rent
-2.5k car expenses includes gas, carwash, parking pag naubusan sa free. lapit lang kasi opis, may bigay din si gf kasi laging nagpapa hatid sa gym.
-3k groceries
-4k opis expenses includes food, drinks, pamasahe pag lunch out etc
-6k weekend gimmicks. can be dinner out, movies, kape. isama mo na ung clothing altho di naman monthly ang bili ko.
-8k savings (20% of take home)
take home - expenses - savings = 8750 ung missing, w.c i guess napupunta sa bisyo. mejo mahilig tayo mag inom, malakas din sa yosi. kelangan na itigil to! haha ang laki ng unaccounted for o! iniisip ko kung may nalimutan ako pero parang wala!

Malaki na rin for 20s yung 40k net. That's around 60k gross. Is that regular shift without OT?

Why is the rent so cheap? I assume you are living in with your GF so all those rent, food and utilities are 50%? Dati kasi nag plano akong maglayas so I looked around condos in salcedo, legazpi and bgc. Nasa 30k per month. My kuya said I have to pay for condo parking, utilities and probably assoc dues. I scrapped the idea, hindi ako pwede magmalaki sa family ng "lalayas ako" :bwahaha:

[jut703]

My friend rented a studio type condo in Makati for a time (since she lived in Fairview and worked in Makati then). She paid around 6.5k per month since there were 2 of them sharing 13k.

Try not to look for high-end condos. Kung ano lang yung tugma sa income mo.

[_Cathy_]

My friend rented a studio type condo in Makati for a time (since she lived in Fairview and worked in Makati then). She paid around 6.5k per month since there were 2 of them sharing 13k.

Try not to look for high-end condos. Kung ano lang yung tugma sa income mo.

That's another problem for me kasi I wanted to live on my own (no condomate). I really can't afford it with my small salary. Even if I got a 13k condo I still need to pay for parking slot and utilities. It sucks to have a low paying job

[JJ All Day]

Live within your means... being able to afford something does not mean you should buy it... Save for your future

Posted via Tsikot Mobile App

[JJ All Day]

That's what I always tell my audience when I discuss topic about fraud and money laundering

Posted via Tsikot Mobile App

[holdencaulfield]

That's another problem for me kasi I wanted to live on my own (no condomate). I really can't afford it with my small salary. Even if I got a 13k condo I still need to pay for parking slot and utilities. It sucks to have a low paying job

mahirap din pag may kasama. minsan mas magastos pa yang ganyan. noon kasama ko dalawang pinsan kong binata (though apartment namin so libre) kung di sila mas malakas gumamit ng tubig o kuryente, mapapasabay ka sa mga gimick nila.

ubos ubos biyaya, maghapong naka tunganga!

[_Cathy_]

Live within your means... being able to afford something does not mean you should buy it... Save for your future

Posted via Tsikot Mobile App

I don't have any debt. I just can't afford to take over what my parents for.

mahirap din pag may kasama. minsan mas magastos pa yang ganyan. noon kasama ko dalawang pinsan kong binata (though apartment namin so libre) kung di sila mas malakas gumamit ng tubig o kuryente, mapapasabay ka sa mga gimick nila.

ubos ubos biyaya, maghapong naka tunganga!

Yup. I enjoy being alone most of the time. Saka ang hirap makisama.

Basta sweldo ko napupunta lang sa transportation, phone bill, toiletries, meds/supplement, food and my fat lab. I used to include clothes or shoes in my monthly budget but not anymore. Pati dentist ko from quarterly (my lola used to pay for it) naging semi annual na. Yung online purchases ko nahihirapan ako i give up. Sometimes the deals are too hard to resist! One of these days I will list down my spending for the month so I really know where my money goes. I tried it before pero I lose track.

[Newcomer123]

Make sure to save ten times your monthly gross before you even think on spending over "wants". As in liquid talaga at hindi naka commit. Lower than that you're inviting financial ruin if SHTF just one time in your life.

Any more than that, then you're a hermit. Go out and live life. You have all the right ^^

[dreamur]

Folks, do you think bringing packed lunch equates to savings? I always eat out during lunch and I think I have spent between 6k to 8k a month, mostly fast food pa. Aside from being unhealthy, nakakasawa na rin pagpabalik2. Hindi pa nama ako obese at hindi maitim batok ko.

[_Cathy_]

Folks, do you think bringing packed lunch equates to savings? I always eat out during lunch and I think I have spent between 6k to 8k a month, mostly fast food pa. Aside from being unhealthy, nakakasawa na rin pagpabalik2. Hindi pa nama ako obese at hindi maitim batok ko.

Of course. But don't do it just for savings, do it to be healthy. I bring my lunch from Monday to Thursday because I have a specific menu that I eat. I also don't like fast food because I am scared of sodium. The only time I am always eating fast food is when there is twister fries On weekends I eat normal food so I join my friends/colleagues and they always let me choose which restaurant I want to go to My colleagues spend about the same amount you do but not fast food. What do you eat sa fast food that it costs P300-400? There are a lot of casual restaurants that are cheap like Uncle Cheffy, Banapple, Kanin Club, Mesa, Bubble Tea etc. Fast food for me is Jollibee, McDonalds. Chowking, Shakey's, Pizza Hut, KFC, Wendy's etc.

[greatauror28]

Folks, do you think bringing packed lunch equates to savings? I always eat out during lunch and I think I have spent between 6k to 8k a month, mostly fast food pa. Aside from being unhealthy, nakakasawa na rin pagpabalik2. Hindi pa nama ako obese at hindi maitim batok ko.

In the long run, yes. But the takeaway on this is that you know what stuff you put into your food and you can even go the healthy way i.e. lessen salt, half the servings, etc.

We all know that nowaways, P200 per lunch meal on any given restaurant/fastfood is just "cheap" variety and may not even satisfy your supposed to be food intake.

Meal prepping your lunch is the way to go!

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

Folks, do you think bringing packed lunch equates to savings? I always eat out during lunch and I think I have spent between 6k to 8k a month, mostly fast food pa. Aside from being unhealthy, nakakasawa na rin pagpabalik2. Hindi pa nama ako obese at hindi maitim batok ko.

In the long run, yes. But the takeaway on this is that you know what stuff you put into your food and you can even go the healthy way i.e. lessen salt, half the servings, etc.

We all know that nowaways, P200 per lunch meal on any given restaurant/fastfood is just "cheap" variety and may not even satisfy your supposed to be food intake.

Meal prepping your lunch is the way to go!

[EQAddict]

Folks, do you think bringing packed lunch equates to savings? I always eat out during lunch and I think I have spent between 6k to 8k a month, mostly fast food pa. Aside from being unhealthy, nakakasawa na rin pagpabalik2. Hindi pa nama ako obese at hindi maitim batok ko.

I bring packed lunch to work my wife makes for me.

[Juan Martinez]

That's what I always tell my audience when I discuss topic about fraud and money laundering

Posted via Tsikot Mobile App

but kidnappers, racketeers, illegal gamblers, terrorists, drug lords, and other police characters are those who use our banking system to launder money, if you're from the secretariat of AMLC, they are the last kind that you peptalk about money laundering.
anyway, i thought hard too before I posted because this is off topic

[holdencaulfield]

Folks, do you think bringing packed lunch equates to savings? I always eat out during lunch and I think I have spent between 6k to 8k a month, mostly fast food pa. Aside from being unhealthy, nakakasawa na rin pagpabalik2. Hindi pa nama ako obese at hindi maitim batok ko.

si esmi nagbabaon. tipid ang ayaw lang niya pag malamig na yung food. kaya lang no choice siya kesa daw sa cafeteria nilang mahal. isang scrambled egg parang 40petot?

[Walter]

Buy a good quality food container. There are designs that can keep food warm for many hours. Some even let you cook rice, you pour hot water and raw rice into it.