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

[NightRock]

I learned my lesson well kaya ayoko na ng may monthly binabayaran. Fixed allowance for family and relatives 150k per month minsan double pag may mga okasyon at kung ano ano pang extra hingi nila. I closed my credit card sa foreign bank. Isa nalang sa BPI which hindi ko naman gusto basta nalang nag issue 52k limit hindi ko naman nagagamit . Minsan lang sa pag papa deliver ng pizza online hehehe at yearly financial help sa isang foundation which is about 50k per year. And hindi ko pinapatagal utang ko sa CC next day bayad agad. Monthly savings i cant say it here when it comes to cash hehehe mag kaka bukuhan ng sweldo. But at present time average investment for my BPI trade is 5k daily for the last 450 days. With 10% profit na. Im a risk taker when it comes to buying stock. Iniisip ko nalang its better than casino. And so far hindi pa ko natalo sa stock market. And when it comes to work I can say after 25 years Im fully relax at my career. Nakalipas na nga ang 5 months this year ng hindi ko alam ano pinag gagawa ko sa trabaho. Maghapon mag stock market at mag FB at mag basa ng news

[CVT]

Oo nga pala, mali proposal ko. Drinks sa ofw, pulutan for the rest.

Red Lantern - can you bring enough girls to be the hostesses for the night? Or you might want to offer your house or condo unit for the venue. Booze and food are being paid by the company, right?

Bro.,- I am free anytime this week.... Gusto kong mahilatsahan iyang mamang iyan, kung hindi siya aninong-gumagalaw lang....

Kapag hindi iyan nagpakita,- alam na.... balikutsang ampaw pala... :hysterical:


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

26.4K _/_/_/_/_/:hit:_/_/_/_/_/

[CVT]

House expenses including electricity, water and phone bills -100k
house amort - 67k
car 1 - 36k. 2 more months tapos na.
Car 2 - 45k. Tagal pa.
Condo amort - 15k (downpayment period pa lang, i expect this to go up to 25-30k later)
My mother's allowance - 25k
In-laws' allowance - 25k
Savings - 100k normal, 50k minimum per month
My allowance - 50k
Kung ano matira then that is for my wife to spend for clothes, kids' "needs and wants", appliances, house furnishings and gadgets, eating out, out of town trips, etc. Siya nagbabayad lahat nun.

Whatever my wife earns wala ako paki. Happy wife happy life. Basta ako yung end of year bonus ko 50% goes to savings and the rest is for me to spend (for the wife! )

Pareho pala tayo bro.,-.....



Mapagmahal sa mga magulang,- at sa in-laws at sa wife.....

At nabubuhay lang sa allowance....

Pero,- ang laki ng allowance mo....

Iyong sa akin, P4K lang isang buwan...

Makahingi nga ng 10% increase kay Kumander....

Pakita ko itong allowance mo na (benchmark) ebidensiya....



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

26.4K _/_/_/_/_/:hit:_/_/_/_/_/

[Juan Martinez]

my salary when i joined the government was P4,700. with five mouths to feed, it's still a mystery to me how my wife manage to make ends meet. yung tatlong anak ko, sa awa ng diyos, naka graduate naman lahat, kahit public school lang from high school to college (all of them graduated in UP). buhay namin talaga isang kahig isang tuka, up to now i still don't understand the concept of saving (alam nyo naman sa gobyerno our salary is never enough. you can never save, at kung maka save man barya-barya lang. that's why i can't understand how Binay becomes very rich). it was all deficit spending for us. i really had an opportunity to work with a private company because after i finished my banking and finance i was offered kasi nagiging honor tayo, but the uniformed service was just too impossible to resist. bloodline kasi. one time nga na preventively suspended pa tayo kaso daw overkill daw yung operation namin pero napawalang sala naman and we're vindicated in the end pero the damage had already been done to the family's coffers kasi walang sweldo during the period of preventive suspension. hirap talaga buhay ng pulis pag di ka pumasok sa kagaguhan. buti na lang natsambahan yung bar exam later medyo nakaahon pero wala pa ring savings. nang naggraduate na yung bunso ko i applied for optional retirement. i received a sizeable sum as my retirement benefits and my monthly pension is equivalent to the salary of the next higher rank. di pa rin kami nagsi- save, ngayon pa? i have no regrets working with government. it's public service, and the idea that i have done something for the public good is a source of pride. and things like these coming from one's superiors bring personal fulfillment that money can't buy--

[CVT]

my salary when i joined the government was P4,700. with five mouths to feed, it's still a mystery to me how my wife manage to make ends meet. yung tatlong anak ko, sa awa ng diyos, naka graduate naman lahat, kahit public school lang from high school to college (all of them graduated in UP). buhay namin talaga isang kahig isang tuka, up to now i still don't understand the concept of saving (alam nyo naman sa gobyerno our salary is never enough. you can never save, at kung maka save man barya-barya lang. that's why i can't understand how Binay becomes very rich). it was all deficit spending for us. i really had an opportunity to work with a private company because after i finished my banking and finance i was offered kasi nagiging honor tayo, but the uniformed service was just too impossible to resist. bloodline kasi. one time nga na preventively suspended pa tayo kaso daw overkill daw yung operation namin pero napawalang sala naman and we're vindicated in the end pero the damage had already been done to the family's coffers kasi walang sweldo during the period of preventive suspension. hirap talaga buhay ng pulis pag di ka pumasok sa kagaguhan. buti na lang natsambahan yung bar exam later medyo nakaahon pero wala pa ring savings. nang naggraduate na yung bunso ko i applied for optional retirement. i received a sizeable sum as my retirement benefits and my monthly pension is equivalent to the salary of the next higher rank. di pa rin kami nagsi- save, ngayon pa? i have no regrets working with government. it's public service, and the idea that i have done something for the public good is a source of pride. and things like these coming from one's superiors bring personal fulfillment that money can't buy--

May your tribe increase, bro...

We need many many more people with similar, if not the same, level and intensity of conviction and integrity in our government and public services!


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

26.4K _/_/_/_/_/:hit:_/_/_/_/_/

[Juan Martinez]

^ thank you bro ☺

[ClaNker]

My average monthly expense? Halos lahat ng income napupunta sa expenses, sa liit ng sahod eh halos walang natatabi sa savings.

Isang kahig isang tuka.

[JuanTam0d]

Fixed Expenses:

YEARLY

Tuition Fees: P300K
Summer Activities: P150K
Christmas Activities: P200K

MONTHLY

For Kids: P30K (P10K for every kid)
For Wife: P20K (1 wife only)
For Manang & Manong: P10K (for both)
Foods: P45K (P1,500 everyday)
Groceries: P40K (P10K every week)
Water & Electricity: P15 to 20K
Fuel & Maintenance: P15K
Loans: None
Credit Cards: None

And, of course MY ALLOWANCE: (SECRET) =)

[JuanTam0d]

When I was still an employee (5 years ago), my monthly gross salary of P80K is not enough to sustain the growing needs of my growing family. I decided to quit from work and put up my own business when I was 33. Currently, masasabi ko na mas magaan ang buhay ngayon kesa dati. Walang yumayaman sa paggiging empleyado lang. Wala pa din ako savings na ganon kalaki dahil I want my family enjoy kung ano meron kami. Iniisip ko na lang na kung sakaling magkaroon ng emergency, maganda naman ang credit record ko at madali makautang. Worst case, may konting properties (mostly vacant lots) din naman na pwede ibenta.

I dont save that much. Instead, I invest a lot on real estate (kahit tig 100 sq/m lang na lupa)

[JuanTam0d]

I only have 2 cars, a 5-year old ALTIS and 5-month old VIOS. Minsan, nagtataxi pa nga ako pag coding yung altis at yung vios naman ay gamit ni misis/mga bata.

Wala din ako bisyo maliban sa tsiks (hehehe). Minsan minsan lang kapag may natipuhan. But I only allot P5K only per tsik per night =)

[_Qwerty_]

ang nakakainis.. imbes na malaki savings.. kasama pa sa budget yung tax!! which is almost 30% a month!!! argh!

savings usually go sa mga investment.. so far i had 2 life insurance paid off.. 1 life investment still paying (40K per year).. 1 life insurance for my wife paid off.. 1 life investment still paying (20K per year).. savings sa Pag-ibig fund.. 2K a month.. condo paid in 7 years.. lot in Batangas paid in 5 years.. the rest expenses na.. school tuition is biggest expense at >300K per year.. wala pa allowance/books/uniform..

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

ang nakakainis.. imbes na malaki savings.. kasama pa sa budget yung tax!! which is almost 30% a month!!! argh!

savings usually go sa mga investment.. so far i had 2 life insurance paid off.. 1 life investment still paying (40K per year).. 1 life insurance for my wife paid off.. 1 life investment still paying (20K per year).. savings sa Pag-ibig fund.. 2K a month.. condo paid in 7 years.. lot in Batangas paid in 5 years.. the rest expenses na.. school tuition is biggest expense at >300K per year.. wala pa allowance/books/uniform..

[JuanTam0d]

ang nakakainis.. imbes na malaki savings.. kasama pa sa budget yung tax!! which is almost 30% a month!!! argh!

savings usually go sa mga investment.. so far i had 2 life insurance paid off.. 1 life investment still paying (40K per year).. 1 life insurance for my wife paid off.. 1 life investment still paying (20K per year).. savings sa Pag-ibig fund.. 2K a month.. condo paid in 7 years.. lot in Batangas paid in 5 years.. the rest expenses na.. school tuition is biggest expense at >300K per year.. wala pa allowance/books/uniform..

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

ang nakakainis.. imbes na malaki savings.. kasama pa sa budget yung tax!! which is almost 30% a month!!! argh!

savings usually go sa mga investment.. so far i had 2 life insurance paid off.. 1 life investment still paying (40K per year).. 1 life insurance for my wife paid off.. 1 life investment still paying (20K per year).. savings sa Pag-ibig fund.. 2K a month.. condo paid in 7 years.. lot in Batangas paid in 5 years.. the rest expenses na.. school tuition is biggest expense at >300K per year.. wala pa allowance/books/uniform..

30% of what? anlaki naman yata nyan sobra? its about time to consider buying a new car then.

[crosswind]

Pagwithdraw XXk a month to pay for daily needs like food, pabaon tapos weekly grocery... gasoline for cars weekly because OC ako sa reading eh tapos Driver's and maid salry is not included.
Subdivison dues/ fees needed to pay + water(4k) + meralco (5K)
land tax for our lots in the province and farms
So savings is like 20%
buti pa nga we dont use credit cards

[holdencaulfield]

meron nga pala akong mga matatalinong opismeyt noon, magiipon (20k) tapos itinataya sa lotto.

[glenn manikis]

To Juan Martinez... govt.? Better look somewhere Pero hindi sa govt. Unless nalang kung corrupt Ka..

It's a dead end job..

18yrs. Ako sa govt... Walang Asenso...
Pero nung sinubukan ko Ibang field, langit at lupa and difference..

What I can earn sa govt. In 4 yrs... I can earn in a month.... No exaggeration here...

Sayang ang panahon at buhay mo Sa gobyerno.

How I wish I had done this years ago...

[glenn manikis]

Honestly speaking isa sa malaking expenses ko per month yung ibinabahagi kung blessings sa mga taong that really needs help... Last May 2015 Parang naka upper xx ata ako... Pero pinaka malaki ko nung Dec. 2014.. Umabot ng xxx..

[StockEngine]

Honestly speaking isa sa malaking expenses ko per month yung ibinabahagi kung blessings sa mga taong that really needs help... Last May 2015 Parang naka upper xx ata ako... Pero pinaka malaki ko nung Dec. 2014.. Umabot ng xxx..

You are blessed bro. Nothing beats the best investment 😉 if u know what i mean.

[cast_no_shadow]

To Juan Martinez... govt.? Better look somewhere Pero hindi sa govt. Unless nalang kung corrupt Ka..

It's a dead end job..

18yrs. Ako sa govt... Walang Asenso...
Pero nung sinubukan ko Ibang field, langit at lupa and difference..

What I can earn sa govt. In 4 yrs... I can earn in a month.... No exaggeration here...

Sayang ang panahon at buhay mo Sa gobyerno.

How I wish I had done this years ago...

Ouch!

Last May I just celebrated my 10th year in government service [emoji2]

Still no regrets. I'm happy where i am.

Told the wife mas malayo mararating niya with regards to career.





Sent from my iPhone using Tapatalk

[jut703]

To Juan Martinez... govt.? Better look somewhere Pero hindi sa govt. Unless nalang kung corrupt Ka..

It's a dead end job..

18yrs. Ako sa govt... Walang Asenso...
Pero nung sinubukan ko Ibang field, langit at lupa and difference..

What I can earn sa govt. In 4 yrs... I can earn in a month.... No exaggeration here...

Sayang ang panahon at buhay mo Sa gobyerno.

How I wish I had done this years ago...

Obviously you and JM are after different things.

It's good that you left the government. You shouldn't go into McDonald's looking for Chickenjoy.

[holdencaulfield]

Ouch!

Last May I just celebrated my 10th year in government service [emoji2]

Still no regrets. I'm happy where i am.

Told the wife mas malayo mararating niya with regards to career.





Sent from my iPhone using Tapatalk

congrats! ako bumigay mga years ago.

pero sarap kaya gawing sideline ang government.