Results 31 to 40 of 98
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October 21st, 2015 08:29 AM #31
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Carpe Diem
- Join Date
- Aug 2009
- Posts
- 2,071
October 21st, 2015 08:33 AM #32
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October 21st, 2015 09:50 AM #33
$2500 per month, for how long? Malaki ipon as seaman kasi wala kang gastos sa barko. Pero pano pag tapos na kontrata mo?
Are you 100% sure you can find a job that will pay as well as your current job, if not better?
I'm sure you noticed that this thread has become a financial advise thread, because honestly we all think it's unwise to spend all your money in a car. Wala ka ngang ipon eh, walang investments, walang insurance.
I would suggest you start with building an emergency fund first, equal to about 6 months of your expenses. This way, hindi man marenew kontrata mo, you have enough buffer to survive a few months as you look for your next job.
Then, I would suggest you start building the habit to invest. Hindi habang-buhay OFW ka na maganda sweldo. Ang dami nang kwento ng mga OFW na nauwi rin sa wala kasi yung kinita nila nung OFW sila eh ginastos din lahat. Invest maybe 30-50% of your salary in stocks/UITF since I assume di naman malaki ginagastos mo per month kasi nga nasa barko ka.
Then make a monthly budget. Kung may pinapadalhan ka ng pera sa Pilipinas, compute mo na magkano yun and ibawas mo na sa budget mo para di mo ginagalaw. Also, set aside your money for savings/investment before even spending a single peso. The formula is not Income - Expenses = Savings. Rather, it's Income - Savings = Expenses. Otherwise, mauubos mo yung pera and at the end of the day wala ka na palang ipon.
Now, back to the car. Ok lang naman bumili ng brand new kung afford mo. Kaso the fact na kakagat ka dun sa mga low DP-high interest scheme definitely means na you're rushing to buy a car. Again, balik tayo sa fact na hindi naman panghabang-buhay ang pagiging OFW. Mas mabuti na yung bumili ka ng secondhand na kotse na nabayaran mo in cash, kaysa may brand new car ka nga, naremata naman kasi hindi mo nabayaran yung monthly kasi tapos na kontrata mo sa barko.
Yung mga sinasabi namin dito eh payo lang naman. If gusto mo talaga kumuha na ng kotse kahit na hindi ka pa financially stable, choice mo yan.
Feeling ko lang kasi, you're getting a new car to feed your ego. Oo mukha kang bigtime kasi may new car ka, baon ka naman sa utang. Mas nakakaimpress for me yung taong secondhand lang yung sasakyan pero maraming ipon at investment.
But again, at the end of the day. Pera mo yan. Buhay mo yan. Just know the risks and consequences of what you plan to do. Good luck.
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October 21st, 2015 10:18 AM #34
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Tsikoteer
- Join Date
- Jun 2012
- Posts
- 4,448
October 21st, 2015 10:42 AM #35
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October 22nd, 2015 10:31 PM #36
Eto mahirap pag ofw, lalo na pag seaman ka. Yung kapatid ko seaman din, binata, ayaw nyang bumili ng sasakyan though kaya nyang bayaran ng cash, sabi nya, "aanhin ko naman ang kotse? Di ko naman madadala yan sa barko". Nag invest na lang sya sa lupa. Then pina tayuan nya ng
apartment (for rent). Doble kita pa sya. Kesa naman daw sa kotse, naka tiwangwang lang sa garahe, magagamit lang nya every after 10months. Bibili na lang daw sya ng kotse pag nag retiro na sya.
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October 23rd, 2015 06:20 AM #37
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October 23rd, 2015 06:32 AM #38
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October 23rd, 2015 06:53 AM #39
Im all in with what you guys are sayin, but it seems TS really wants this car.
Mangungunsinti ako ngayon hehe.
TS mukhang bata ka pa naman, nakita mo naman na ang payo ng iba dito, actually tama sila pero kung type mo talaga ito, nasa sa iyo yan, go for it.
Pero sana tingnan mo ibang options. Daming bago labas na maliit na SUV tulad ng chevy trax, nissan juke, honda hrv. Tapos yung mga nauna na tulad ng XV, ecosport at jimny. Magkakaroon a ng ata ng cx3.
So ara sulit yung all in money mo sa auto kuha ka na ng bago bago.
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October 23rd, 2015 06:53 AM #40
Im all in with what you guys are sayin, but it seems TS really wants this car.
Mangungunsinti ako ngayon hehe.
TS mukhang bata ka pa naman, nakita mo naman na ang payo ng iba dito, actually tama sila pero kung type mo talaga ito, nasa sa iyo yan, go for it.
Pero sana tingnan mo ibang options. Daming bago labas na maliit na SUV tulad ng chevy trax, nissan juke, honda hrv. Tapos yung mga nauna na tulad ng XV, ecosport at jimny. Magkakaroon a ng ata ng cx3.
So ara sulit yung all in money mo sa auto kuha ka na ng bago bago.
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