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

[toortle]

---

bro sa imo 20k na sweldo dako naka ma save ui...... use the formula...... Salary - Savings = Expenses......... try kono save/invest 5k....... and live with 15k..... sa 15k mabuhi ghapon ka ana for sure.... naa daghan ngari they have way smaller salary than u and have savings/investment..... it's how much u keep than what u spend...... sa imo 15k pwede man ghapon ka makalipay lipay ana.... pero make it to a minimum.....

lage. mao sd na ingon sa akong ate ug mama.. dako knu kaau unta ko ma save if kahbaw lng ko mu budget.. sayang btaw.. sugdan ta ni ug save krn may 15.. HAHAHAHA

[quantuminplus]

that's a good start bro..... keep it up.....

[asean]

With all due respect, I don't believe anyone is qualified to tell someone how to live his life ...

No flame intended Sir ha, but from my perspective one must live his life the way he believes, regardless of whether right or wrong it is as we see it. I have met people who have achieved true satisfaction in life. Even when that person probably has less than 10k of financial circulation each month, he is one worth being jealous of. Why?

Life isn't about being rich, having savings, being better than others. At least that's the way I see it.

Now regarding cirilae's spending, as advised by his parents, I don't think we are qualified to judge his parents. Just because someone ate his Oreo without dunking in milk first doesn't mean he didn't know he could. For all we know, the parents may have found life's true meaning, and are trying to teach him just that. By saying it's "bad advise" we're projecting ourselves to know better man gud, we don't even know his/her parents.

This is a lesson I've recently learned. I remember being the happiest person, back when I earned 200 pesos per day. I could go home, lay down, smile and sleep smiling. I was very contented. I had no hobby, no access to Internet, my small world rotated around going to work, coming home and just letting time pass by.

Things changed. I got gadgets, computers, a hobby, businesses, much greater income. But guess what, my standard for happiness raised to seemingly-unreachable height. Now I sleep 2-4 hours per day, I've two pages of undone tasks in my to-do list. I developed a hobby, had to give it up to make way for business and other priorities. I'm happy, especially each time I come home to my daughter and wife, but I've grown 'less-happy' without a doubt. Wifey and I once had this deeply-intellectual discussion about our lives, and we both agreed: "We were happier then"

This is some sh!t I don't usually tell, I've just grown a little too grumpy to give advice. But let's pause for a moment to think about what we truly want. We have savings? We have a better life than others? We feel good about ourselves? But then, is that our true happiness?

In an effort to regain our contentment and happiness, I'm seeking to get a place less infected by human civilization. Bukid-style ba. No phones or anything. Akong mga negosyo diri probably akong manghod ako pa-tiwason or whatever. Now I understand nganong akong Papa kontento na lang sa simpleng kinabuhi'. I sometimes brag [only to him] about my big financial and business achievements (especially having big companies as my clients), he gives me a meaningful smile. Now I get the message. "You have so much more to learn, son."


So anyway back to topic. I know you all feel good about bragging about your savings, and I am not qualified to question or ridicule that. But my message is, rethink your happiness. I could feel good about narrating my achievements and my unacknowledged participation/contribution in big marketing gimmicks, but I'd rather say I'm 23 and only have 1k in my savings account right now.

I'm still looking forward to living a happy, content and simple life uncontrolled by money. But sometimes I begin to doubt its likeliness to come true.

I think the point of my post is living on either extreme of the consumption-savings are equally bad. spending your income all at once is just as bad as being a super super frugal person (a miser).

Naa koy kaila, super kaayo ka gwapa, ang dress down to shoes.. perti kaayo ka nindot kabalo jud ka mahal.. pero naay one time nag kita sila sa akong wife kay naay event adutan.. maski plete sa jeep wala (namukong nalang, dili man sad ilhan kay gwapa man hehe) ug wala pa sad siyay lunch.. ako nalang nag palit ug lunch.. kadaghan nana nahitabo nga dili mukaon kay walay kwarta, pero ang mga gamit, shoes, make-up puro branded..

When I was in manila, akong housemate kay sige lang pud ug kaon ug noodles kay hurot jud daw iyang kwarta padala sa iyang family sa Cebu. I'm not telling him na dili na sad magpadala sa iyang family, of course nindot jud ng maka tabang ta sa atong family, pero kung cge lang ta kaon ug noodles then magkasakit ta,, kinsa pamay mutabang sa atong family??

This is a lesson I've recently learned. I remember being the happiest person, back when I earned 200 pesos per day. I could go home, lay down, smile and sleep smiling. I was very contented. I had no hobby, no access to Internet, my small world rotated around going to work, coming home and just letting time pass by.

I'm assuming na wala pa kay anak aning mga panahuna?? Pero kung pag gawas sa imung anak, basin naka realize ka na dili nana enough imung 200/day para mahappy, kay ang unahon kay ang basic needs sa atong mga anak.
Katong ning gawas akong baby, naka sulti jud ko na kaylangan na jud mu doble kayod to provide better living sa akong anak.. bayad lang gali sa hospital pirmi ng mahala, unsa pa kaha ang everyday expenses.
kung healthy, naay gikaon akong anak, mahappy nako ana bai..

As I've had said, enjoy sad panagsa kay mamatay raman sad ta tanan..(maybe mau ang reason nganung mau ang gi advise sa parents ni cirilae and I'm not against sa ilaha) pero kung maghatag nimu ug problema nga cge lang ka ug enjoy, maybe you should check sad sa imung lifestyle.
pero kong happy jud ka nga wala nakay makaon kay maulagi ang reason is nag enjoy ka, aw ikaw ang bahala.

Happiness is not always equated to money but if kung ang imung kwarta imung gipalit pagkaon sa imung anak, imung kwarta imung gi save para pang ekswela sa imung anak, imung kwarata imung gi save incase mangayo ug tabang sa parents.. dili ka mahappy ana?

I am happy with my savings, kay katong nasakit akong papa naa koy ikahatag.. And I will be happy saving for the future of my baby.

kay kanang mga tambay sa iskina happy and contented mana sila, pero happy jud kaha na sila I'm not saying na kaylangan mahimu kag multi millionare ug datu jud kaayo ka. pero at least man lang ma improve atong mga kinabuhi mga pinoy.

Ang uban pinoy cgeg reklamo way kwarta, pobre ang pinas, kurakot ang gov;t.. pero unsa man atong na himu? cge lang ug reklamo..

Matod pa ni Bo "Money is NOT the most important thing in our lives yet money greatly affects the most important things or areas of our lives.". like helping sa atong family, future sa atong mga anak..

[asean]

"It's not about how much u earn but how much u save"

I am an OFW which gives me and advantage to save big coz I'm earning dollars but really? I have coworkers here who has been here for 20 years or more and with nothing to show. No savings or assets or whatsoever. Modesty aside, I've saved enough and invested enough that I consider myself self-insured and will go back home by next year. Will work not because I HAVE to but because I WANT to regardless of the salary. I did all of these just by being frugal. Heck, I don't even own an IPad or an IPhone.

Ang mga OFW dako jud ug tabang sa pinas. saludo ko ninyo ma'am.

Mayta ang ubang OFW kay pareha nimu, makat-on ug save ug maka balik na dinhi sa pinas with their families..

[powerplay]

this is a nice video on saving and investing

https://www.youtube.com/watch?v=T3ucuGFkbYI

[batangyagit_20]

age : 23

savings : wala

1day millionaire

[Usman77]

To each his own. Wala man seguro nanghinambog ang mga tawo diri kay wa man pud ta magkailhanay.Anyway, para nako maninguha lang ko ron samtang kaya pa kay inig abot sa retirement, mopahulay naman sad ko. With the money that I worked hard for, I think, it would one day help me to have a comfortable retirement.Besides, maayo sad nga andam ta kay mogasto man pud tag masakit ta, o labi na kung mamatay ta.Kadtong pareha nako nga naningkamot ron para sa kumportableng retirement, padayon lang ta kay anang mga panahona ma-enjoy na gyud na nato ang atong gipaninguhaan unya pwede na lang ta ana magtanum-tanom o mobuhig hayopan para lingaw-lingaw.

With all due respect, I don't believe anyone is qualified to tell someone how to live his life ...No flame intended Sir ha, but from my perspective one must live his life the way he believes, regardless of whether right or wrong it is as we see it. I have met people who have achieved true satisfaction in life. Even when that person probably has less than 10k of financial circulation each month, he is one worth being jealous of. Why?Life isn't about being rich, having savings, being better than others. At least that's the way I see it.Now regarding cirilae's spending, as advised by his parents, I don't think we are qualified to judge his parents. Just because someone ate his Oreo without dunking in milk first doesn't mean he didn't know he could. For all we know, the parents may have found life's true meaning, and are trying to teach him just that. By saying it's "bad advise" we're projecting ourselves to know better man gud, we don't even know his/her parents.This is a lesson I've recently learned. I remember being the happiest person, back when I earned 200 pesos per day. I could go home, lay down, smile and sleep smiling. I was very contented. I had no hobby, no access to Internet, my small world rotated around going to work, coming home and just letting time pass by.Things changed. I got gadgets, computers, a hobby, businesses, much greater income. But guess what, my standard for happiness raised to seemingly-unreachable height. Now I sleep 2-4 hours per day, I've two pages of undone tasks in my to-do list. I developed a hobby, had to give it up to make way for business and other priorities. I'm happy, especially each time I come home to my daughter and wife, but I've grown 'less-happy' without a doubt. Wifey and I once had this deeply-intellectual discussion about our lives, and we both agreed: "We were happier then"This is some sh!t I don't usually tell, I've just grown a little too grumpy to give advice. But let's pause for a moment to think about what we truly want. We have savings? We have a better life than others? We feel good about ourselves? But then, is that our true happiness?In an effort to regain our contentment and happiness, I'm seeking to get a place less infected by human civilization. Bukid-style ba. No phones or anything. Akong mga negosyo diri probably akong manghod ako pa-tiwason or whatever. Now I understand nganong akong Papa kontento na lang sa simpleng kinabuhi'. I sometimes brag [only to him] about my big financial and business achievements (especially having big companies as my clients), he gives me a meaningful smile. Now I get the message. "You have so much more to learn, son."So anyway back to topic. I know you all feel good about bragging about your savings, and I am not qualified to question or ridicule that. But my message is, rethink your happiness. I could feel good about narrating my achievements and my unacknowledged participation/contribution in big marketing gimmicks, but I'd rather say I'm 23 and only have 1k in my savings account right now.I'm still looking forward to living a happy, content and simple life uncontrolled by money. But sometimes I begin to doubt its likeliness to come true.

[quantuminplus]

mao wa may nanghinambog ngari..... ni share raman ta para ang uban ma engaño sad mag save....... para sa future..... either para sa future funds sa imo future family.... educational fund sa mga bata nya pohon..... and retirement fund........ nahurot nalang nako ug basa ni nga thread..... wa gyud nako na feel naay ng hinambog...... they freely told their amount save.... kay kahibalo sila.... wa nagka ilhanay mga tawo ngari..... and we are not comparing our lives from others.......

[makie29]

Whether we like it or not, having more savings will assure us better security in life. That's just how the way it goes.
I agree that money can't buy everything but heck everybody gets sick every now and then, everybody's children must go to school, everybody eats and has to eat good food, everybody retires at some point. All of those needs require money, require savings.
Financial stability is a need and there is no way that we should oversee that.
We will never be happy if some of our needs are not being met. Happiness is a state of mind. Whether you have a lot of money or not, your happiness will be determined by your disposition but it is a lot better to be happy and rich rather than be happy and poor.

[BaDz Abadia]

ako wa koy savings.. joke. HAHAHAHA... mu ingon lang kog wala para dili hambugiro ^^ mwahaha

diko makig away diri pero invest namo sa stocks mga pipz nga wala pa ni invest sa stocks