Are U a Spender or an investor?

[quantuminplus]

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spender and i hate it

try to become an investor bro.... long term ang e goal.... it's worth it gyud.... nindot man gyud e spend, but very nice kung naka pondar ka ug investments maybe after 5-20 yrs boooommmmmmm.... so nice.... nagpa convert nako.... more as an investor....less spending....

[istoryamember]

ako 80% investment ko karon 20% spend. Dako kaayo deperensya kay d a ko sa bukid nagpuyo. Because of internet pwede ra ko puyo ug bukid, gamay pa kaayo gasto Anha ko Cebu gamay ra kaayo ang 1000/day nga gastos. Maayo pud kay ako wife naa man work

[Cory1986]

ako 80% investment ko karon 20% spend. Dako kaayo deperensya kay d a ko sa bukid nagpuyo. Because of internet pwede ra ko puyo ug bukid, gamay pa kaayo gasto Anha ko Cebu gamay ra kaayo ang 1000/day nga gastos. Maayo pud kay ako wife naa man work

mao sab na akong plano ai. if mo uli ko, di jd ko sa syudad. im trying to research about dumaguete, duol ra sad sa cebu. im nature lover and i like simple living. i dont go out and i dont like crowd. for the win ni!

[quantuminplus]

mao sab na akong plano ai. if mo uli ko, di jd ko sa syudad. im trying to research about dumaguete, duol ra sad sa cebu. im nature lover and i like simple living. i dont go out and i dont like crowd. for the win ni!

@ istoryamember and Cory1986..... ka nice ninyo..... magpinariha ko ninyo kay good influence mo..... hahah..... daghana nako ug makat onan ninyo thanx guys.....

[nijazared]

haven't invested since wife always spends...

[p26]

spender q...usahay ra investor kung naay masulod sa ako utok.

[quantuminplus]

try to change into an investor mga istoryans.... bahalag ginagmay..... basta consistent..... cut ur expenses..... like if ur a smoker.. cut it to half... sa mga gadgets.... laag2x permi.... and etc.... save for the rainy season..... or if ur going to use that invested fund maybe educational fund for ur children, business or retirement.... 10% - 20 % of ur salary...ok na kaau na for a start....

[makie]

very well said.... that's huge 70%....

It took me years pud to do that. Even karon, there are times nga di ko kaabot ug 70% in a month but still dako2 gihapon akong masave.

What I did para makasave ko ug 70%? I listed every expense that I have in a month to the last centavo. When I first did that, I was very surprised to see nga daghan diay kaayo ko ug gasto nga unnecessary. Like for one, akong snacks in a day was P30. I'm working 6 times a week so P180 a week na and for a month, P720 na. P720 in a month is a big amount but di lang nako makita kay gamay ra man ang P30. So what I did, gireduce nako tanan gastos nga pwede mareduce and even eliminated some nga pwede ra man wala. It was hard at first kay naandan na gud but eventually it became a part of me. After mga 5 months, I compared my expenses and I saw some 20% difference sa previous ug current nako.

I also make a list sa akong mga savings/investments. Seeing it by the numbers makes me want to save/invest more. Mao ni ang usa sa mga reason nganong nabawasan gyud nako akong mga gasto. I don't invest just for the sake of investing or nibutang lang ko ug kwarta with the hopes of gaining in the future. I make it a point nga kabalo gyud ko sa akong mga investments to the last detail. IMO, that's what a real investor does.

I hope that I have shared a thing or two nga makatabang pud sa uban diri.

[quantuminplus]

im a spender but im also an investor.

[Untrue]

Investor! I love the smell money! And I hate saying goodbye to my money.