I found myself happier when I started buying/paying for what I want, but on a budget. Dati kuripot ako. Ayaw ko maglabas ng pera kahit kailangan. Kahit sobrang gusto ko yung bagay o sumama sa trip/kainan/inuman, hindi ko parin binibili or gagawa ng rason para hindi sumama...kasi gastos lang. Pero naisip ko...life is short and anytime pwede may mangyari sa akin. You don't know what can happen to you tomorrow, next week, next month, next year, years from now. Parami ng parami ang naririnig kong stories na marami ngang naipon na pera pero hindi na ma-enjoy.
One thing I recommend na wag kuripotin is travel. Maraming ng paraan ngayon to travel on a budget. If you are into traveling, don't put it off in the future kasi maraming pwedeng mangyari that can make traveling harder or not possible anymore. Read travel blogs. Maraming tips on how to save before and while traveling. Travel while young and able. Travel like a backpacker, not like a typical tourist. Hehe.
The only Peso Sense post that I agree
Usapang Pera
- DarkRushBeat
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Kaya nga..
Trabaho, Ipon, Travel, Enjoy!
he he he
Trabaho, Ipon, Travel, Enjoy!
he he he
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....
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But you can't have a Rainbow, without a little Rain....
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Travelling is really not my thing . Taong bahay lang talaga ako. Kahit dati sa abroad yung mga pinsan ko at kasama ko sa work madalas maka-travel ako lang ang hindi. Gumagawa na lang ako reason like nag uuwi ng work or may OT para lang hindi ako kulitin. Langya, kahit nga lang mag bakasyon para umuwi noon ng pinas ayaw ko eh. Pero ang totoo, nanghihinayang lang ako sa gastusin at sa oras. Hindi kasi ako makakapag enjoy at mapapahinga pag one week leave lang - naiipon lang ang trabaho eh. I honestly find enjoyment once i have finished the things I needed to do. Personal preference ko lang talaga to mula't sapul pa. So that's like borderline kuripot <-> frugal in some sense.
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Agree about travel. Mas madali nga ngayon dahil maraming budget airlines.
Yung sa RPG sa tingin nyo pwedeng praktisan ng money management?
Ano? Bibilhin ko ba itong armor na ito? Ito yung pinakamalakas ang defense pero pinakamahal. Pag nabili ko ito, wala na akong extra gil/credit pambili ng weapon.
Yung sa RPG sa tingin nyo pwedeng praktisan ng money management?
Ano? Bibilhin ko ba itong armor na ito? Ito yung pinakamalakas ang defense pero pinakamahal. Pag nabili ko ito, wala na akong extra gil/credit pambili ng weapon.
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Isn't that what we're doing already? You technically do "fetch" quests in real life in order to gain money and experience di ba? Pag wala ka gil or xp, tyaga ka sa low tier gears pero pag leveled up ka na, wantusawa ka bumili ng malalakas na gamit tapos lahat ng items mo 99pcs agad. Malakas pa loob mo makipag sabayan sa mga big time na kalaban .
anyway....
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priorities lang naman yan. proper budgeting. daming ways mag-travel. kung may work ka, its a matter of bugdeting also your time, yung pag-file ng leaves.skp_16 wrote: ↑Fri Mar 10, 2017 3:15 am I found myself happier when I started buying/paying for what I want, but on a budget. Dati kuripot ako. Ayaw ko maglabas ng pera kahit kailangan. Kahit sobrang gusto ko yung bagay o sumama sa trip/kainan/inuman, hindi ko parin binibili or gagawa ng rason para hindi sumama...kasi gastos lang. Pero naisip ko...life is short and anytime pwede may mangyari sa akin. You don't know what can happen to you tomorrow, next week, next month, next year, years from now. Parami ng parami ang naririnig kong stories na marami ngang naipon na pera pero hindi na ma-enjoy.
One thing I recommend na wag kuripotin is travel. Maraming ng paraan ngayon to travel on a budget. If you are into traveling, don't put it off in the future kasi maraming pwedeng mangyari that can make traveling harder or not possible anymore. Read travel blogs. Maraming tips on how to save before and while traveling. Travel while young and able. Travel like a backpacker, not like a typical tourist. Hehe.
The only Peso Sense post that I agree
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- DarkRushBeat
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Ako din rin naman mahilig sa travel. Unang una wala naman ako sariling wheels, di bale sana kung meron..2nd, baka matambakan ako ng work pagbalik ko...3rd, maghahanap ako ng cheapest options, si Kumander naman magpipilit ng mahal na options...He he he...
I think the only time or travel i ever made away from work is when i went to Thailand last Nov 2015....
I think the only time or travel i ever made away from work is when i went to Thailand last Nov 2015....
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....
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But you can't have a Rainbow, without a little Rain....
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low gear = ukay-ukay clothes, cdr-king gadgets, 3-1 coffee, cherry mobile ang phone mograyfox17 wrote: ↑Sat Mar 11, 2017 4:55 pm
Isn't that what we're doing already? You technically do "fetch" quests in real life in order to gain money and experience di ba? Pag wala ka gil or xp, tyaga ka sa low tier gears pero pag leveled up ka na, wantusawa ka bumili ng malalakas na gamit tapos lahat ng items mo 99pcs agad. Malakas pa loob mo makipag sabayan sa mga big time na kalaban .
anyway....
pag naka-level-up la na... starbucks na coffee mo at naka-iphone ka na
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- DarkRushBeat
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& puro Uni Qlo na clothes mo he he he, hindi na Ukay-ukay....
Sinabihan ko din si Kumander na once yari na yung bahay namin, lahat ng klaseng pagtitipid e kailangan itry, lalo na sa utility bills...Kaya bibili ako ng ref, pero maliit lang he he...
Sinabihan ko din si Kumander na once yari na yung bahay namin, lahat ng klaseng pagtitipid e kailangan itry, lalo na sa utility bills...Kaya bibili ako ng ref, pero maliit lang he he...
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
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Ganyan naman talaga ang normal na sistema sa paghawak ng pera - pag nakaluwag then bili ka ng something to reward yourself. Ang problema lang yung pag control sa expenses. Bibili ng gusto pero magkano na lang ang matitira sa pangtustos sa araw-araw.
In a sense, parang ganito lang din ang gusto nyan ipahiwatig: Ipunin mo ko ngayon para sa hinaharap meron ka madudukot pag nangailangan ka na - mapa-medical expenses man or any other situations you deemed as "emergency."
Madali na lang din kasi maka-acquire ng bahay at kotse ngayon. Mag loan ka lang sa bangko para pang down oks na, problema na lang yung pang monthly dahil tinitingnan din dyan yung capacity to pay ng borrower lalo pa't sa sahod magdedepende ang approval ng loan amount mo. Swerte mo kung maaprubahan ka kung ang monthly mo is less than 30K, madalas atleast 40K and above ang monthly salary nung mga naaprubahan.
Buti sana kung may budget ang isang tao na afford mag isang bagsak ng house and lot pero sa panahon ngayon, at dito pa sa pinas, medyo mahirap ma-achieve yun.
At pag naubusan ng cash, eto naman ang laging sasabihin ng konsensya mo ...
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Yan yung reason kung bakit mas gusto mag solo travel hehe. Iba iba kasi ang gusto ng tao pag dating travel. I travel to learn and know more about the place, its culture, its people and their lifestyle, and to meet other travelers. Syempre kasama narin doon ang sightseeing and eating local foods. Pag nagta-travel ako medyo parang backpacker.DarkRushBeat wrote: ↑Sat Mar 11, 2017 8:16 pm Ako din rin naman mahilig sa travel. Unang una wala naman ako sariling wheels, di bale sana kung meron..2nd, baka matambakan ako ng work pagbalik ko...3rd, maghahanap ako ng cheapest options, si Kumander naman magpipilit ng mahal na options...He he he...
I think the only time or travel i ever made away from work is when i went to Thailand last Nov 2015....
For some people naman...travel = vacation. Sightseeing tsaka kain lang itinerary nila.
Back to usapang pera, I think I don't want to have kids. Marami kasi akong travel goals. Mas gusto ko sa travel mapunta ang pera ko kesa sa pagpalaki ng bata. Ewan ko kung selfish yun o hindi, pero kanya-kanyang buhay naman yan hehe. Parangap ko kasi maging full-time travel writer/blogger at medyo travel photographer narin.
.......
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1. may experience ka na ba na kailagan mo ng pera dahil sa unforeseen events like accidents or sickness? if so, ano ginawa mo?
2. nagkulang ka ba sa ng funds? if so anong gingawa para may preparation ka sa susunod na pangyayari?
3. naranasan mo ba na ilang buwan kang walang income? again, anong ginawa mo?
if you find the phrase "I will save you tomorrow" in a negative way you can change your term of that fund in positive terms like buffer, extra, relaxation, etc.
I prefer to use "buffer fund"
if you think about it, yung #1 can be covered by insurance.
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- skp_16
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Like I said..."in a sense"SirZap wrote: ↑Sun Mar 12, 2017 1:29 am1. may experience ka na ba na kailagan mo ng pera dahil sa unforeseen events like accidents or sickness? if so, ano ginawa mo?
2. nagkulang ka ba sa ng funds? if so anong gingawa para may preparation ka sa susunod na pangyayari?
3. naranasan mo ba na ilang buwan kang walang income? again, anong ginawa mo?
if you find the phrase "I will save you tomorrow" in a negative way you can change your term of that fund in positive terms like buffer, extra, relaxation, etc.
I prefer to use "buffer fund"
if you think about it, yung #1 can be covered by insurance.
.......
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Ang umasa sa mga anak balang araw ang ayoko mangyari sa lahat...I want my 2 boys to live lives of their own...Ayokong dadating yung panahon na meron na silang mga pamilya e naka asa kami sa mga bigay nila...Sinabi ko ke Kumander kung kinakailangan namin mag sari-sari store pagtanda namin, then so be it...Ayoko yung point na oobligahin ang mga anak na magbigay....Kaya etong iniipon ko sa aking mahiwagang alkansya na me sticker ni Gwen Garci, this is for the days ahead kapag its time for me to retire from working...
And 1 final thought for the day, financially
Agree ako sa dedication at discipline....Meron akong sinubukan iinfluence using Peso Sense Ipon Challenge for 2016, after a few months nag give up, hindi raw kaya, kahit 20.00 or 50.00 a week lang...
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....
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FC: 1934-0903-9050
But you can't have a Rainbow, without a little Rain....
Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building
Gameboy/Nintendo DS/PSP/Nintendo 3DS
FC: 1934-0903-9050
- skp_16
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It is all about balance. Save for the future but spend also for the present. Wag puro save save save for the future kasi baka hindi ka naman umabot sa future, wag rin spend spend spend now kasi yari ka sa future kung umabot ka. Hehe.
In the end, we save to spend.
In the end, we save to spend.
.......
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sabi nga nung officemate ko "personal finance is now a required life skill". di daw tulad noon na kapag nagkatrabaho ka sapat na yun para ka mabuhay.
to add: may na-sign si ex-pres. ng EO to promote financial literacy
http://www.philstar.com/business/2015/0 ... ship-among
http://www.bworldonline.com/content.php ... &id=129038
to add: may na-sign si ex-pres. ng EO to promote financial literacy
http://www.philstar.com/business/2015/0 ... ship-among
http://www.bworldonline.com/content.php ... &id=129038
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Everytime na sinasabi ng mga tao sa paligid ko na "hindi mo madadala sa hukay ang pera mo!" parang ang dating sa kin is either insecure sila na may ipon ako that I can use freely or naiinis lang sila kasi hindi maka kubra sa kin...
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