How old are you? And how much is your savings na?

[silent-kill]

---

ako i share hehe nindot pud ni sa mga wa pa kahibaw.

5 Reasons Why Most Don't Become Wealthy - YouTube

[mariarosar]

buy things you want if you got extra money and sparingly. Not to the extent you spend all of it, try to balance everything. We only live once

if you have extra cash, put the majority of it to investment, some to savings for immediate fund, and a little something for yourself as a reward for your hardwork. You never know nus-a ta mamatay, maayo nalang ka tilaw sad og lami.

swak jud kau nga tubag boss.... dili sa tanang panahon malipayon ka kai naa kai daghang kwarta.. hehehe.. pero mas nindot jud og naay kwarta. balance is needed..

[cebu.opportunities]

Share lang pud ko a little regarding credit cards ky common misconception ani ky makabaon sa utang.

With self-control and discipline, credit cards are very useful. Actually, they can be used to increase your revenues but it can also leave you full of bad debts. What you can garner from it lies from your very own hands so handle it properly.

I do not have any credit cards on my own but I have benefited a lot from my siblings credit cards. I utilize it in capitalizing some of my little businesses, groceries, flight bookings and other stuffs. We see to it that we are able to pay the statement DUE amount and NOT the allowable MINIMUM PAYMENT per billing statement for the latter will charge some interests against you. So far, so good. There are times nga gabaguod sa kadako sa bill (confidential na lang ang monthly bills) pero thankfully never pa na delay ang payments so we are not charged any interest and annual fees are waived. Basically, wa mi gibayran "fee/interest" of using the credit cards. It's the business owners nga gi-swipan ang na chargan og 3% pero as credit card user, wai nakuha ang credit card company.

Make sure lang nga you have sure returns or means of paying your bills then you can benefit a lot from it. Naay daghan promos ang credit cards nga makatabang pa gyud nimo in saving or maka-"ginansiya". We are even accumulating points which will give us the chance to enjoy traveling by air for free.

....but if you are not yet prepared in handling credit cards, better refrain from having one lang sa ky it can eat up your savings as fast as you can never imagine.

[MAGNETIC.LEVITATION]

Share lang pud ko a little regarding credit cards ky common misconception ani ky makabaon sa utang.

With self-control and discipline, credit cards are very useful. Actually, they can be used to increase your revenues but it can also leave you full of bad debts. What you can garner from it lies from your very own hands so handle it properly.

I do not have any credit cards on my own but I have benefited a lot from my siblings credit cards. I utilize it in capitalizing some of my little businesses, groceries, flight bookings and other stuffs. We see to it that we are able to pay the statement DUE amount and NOT the allowable MINIMUM PAYMENT per billing statement for the latter will charge some interests against you. So far, so good. There are times nga gabaguod sa kadako sa bill (confidential na lang ang monthly bills) pero thankfully never pa na delay ang payments so we are not charged any interest and annual fees are waived. Basically, wa mi gibayran "fee/interest" of using the credit cards. It's the business owners nga gi-swipan ang na chargan og 3% pero as credit card user, wai nakuha ang credit card company.

Make sure lang nga you have sure returns or means of paying your bills then you can benefit a lot from it. Naay daghan promos ang credit cards nga makatabang pa gyud nimo in saving or maka-"ginansiya". We are even accumulating points which will give us the chance to enjoy traveling by air for free.

....but if you are not yet prepared in handling credit cards, better refrain from having one lang sa ky it can eat up your savings as fast as you can never imagine.

OT: Sis, can you PM me, what credit card company are you using and unsa pud mga suggested nimo nga company?

OnT: at Mid life, still doing a lot of investing. So savings, sa kana lang easily ginagamit permi.

[powerplay]

OT: nice ang citibank cashback card.. you get rebates for your groceries and other bills

[makie]

Regarding credit cards, I think its purpose is for convenience. It is also very useful for emergencies.
Pero para sa uban, extension of buying power or another source of income ilang tan-aw sa credit cards.
It's always tragic if we deviate and abuse the use of things.

[frozen_surfer]

Working as a Nurse for 2years, earning P8,000 a month

AGE: 23/single
SAVINGS: 22 thousand pesos
TANGIBLE ASSET: Masters Degree holder, Candidate for Doctor in Educational Management (spent all my savings sa school)
Nokia 1280 with flashlight
apil ang girlfriend ani? :-p ehhehe

Kapuy ang life sa pobre.

[jan_moreno]

im 28 years old.....
working in UAE for 14 months
savings (300,000+ php)
assets - 22k gold necklace, 22k gold cross pendant, 18k gold bracelet, blackberry Z10, HP notebook, acer tablet, ipad mini with cellular capabilities, new ipod touch (32 GB), skull candy (hesh headset), Sol Republic headset & kenneth Cole (Automatic Watch)

[aldrin89]

Age:24
Savings: 40K+ ra

Gamay ra kaayo ko ug nasave , mo balik pa raba ko ug school samot wala ko ma save ani, Naay maka advise nako unsa buhaton para maka income while ga study?

[quantuminplus]

Working as a Nurse for 2years, earning P8,000 a month

AGE: 23/single
SAVINGS: 22 thousand pesos
TANGIBLE ASSET: Masters Degree holder, Candidate for Doctor in Educational Management (spent all my savings sa school)
Nokia 1280 with flashlight
apil ang girlfriend ani? :-p ehhehe

Kapuy ang life sa pobre.

bro..... ok nana ang 22k na savings bro........ i know na gamay sweldo ngari pinas, but at ur age masters degree holder naka , and candidate pa gyud sa doctoral..... in other words...... dili ka pobre..... very rich ka sa imong career path..... inig human nimo sa imong doctoral modako na imo sweldo...... so please start investing na pod..... para.... ur hard earned money will work for you...... make it as your pang early retirement ba....... sa savings daan lang nimo dili ka pobre........ one step at a time........ sa giingon pa nila, it took years for henry Sy to become a tycoon....... not to the sense na gusto pod nato mahimong henry sy.... but to reach that goal na financial freedom......