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

[k3ntlim1130]

---

I'm 25. I 'm a born enterpreneur, they say because in my younger years I used to buy and sell. I am more luck y to have a partner who creates the business idea while I put them into reality.

I have a business, registered and running for 1 year and 4 months now.

My cash on hand is slightly low because late Nov 2012, we opened a second store.
Bought life insurance for me and my partner and bought a car na super bargain ang price coz bargohonon sa bank.

This year will be the year we will build up our funds and maybe start investing on stocks early next year once cash on hand reaches 300k.

Nice!
Gamit jud ang life insurance.. para sa imo future..
Nya dala nasad cya ug investment + protection..
asa ka naa company ron?

[consgols]

up up up up up up up

[k3ntlim1130]

Age 23 - RN
Savings: murag naa pa koi 800php sako atm as of the moment. OTL
I have a mtb, a phone and a severely damaged laptop ,which cannot be restored nor fixed.
mag unsa nmn lang ko ani oi. last year i tried investing my money on insurance, but gpa stop ko sako family kay dapat e enjoy daw nako ako swelds.. i obeyed. but look how far my money went.. sa LAAG!! hahai mag regret nlng after

sayanga gud.. maypa imo g.padayon ang imo life insurance.. gamit kau na cya in the future..
much better kay sa banks/ATM.. kay ma insured paka n naa pa interest in the future..

[joeyeka]

Sa wakas, nahuman na gyud nako sukad ganihang buntag from page 1 up until ngari.

Daghang salamat ninyong tanan kay daghan gyud kog nakat-onan.
Nausab akong panlataw bahin sa kwarta.

Age: 20
Savings: 3 digits (ganiha ra tawn ko nagtransfer skong savings account tungod sa pag-basa nako ani nga thread.)
Asset: wa gyud

Undergrad ko and naa koy pangwarta online. Nagsalig pa sa ginikanan mao ang akong ma-earn nga kwarta, mahug nga extra. Dili stable ang income mao mabuhi gihapon kung wala o naay kwarta.

Daan nako nagbasa2 ug mga books about how to manage my finances, pero di gihapon mutalab kay kuwang pag discipline. Pero the moment nga nakabasa kos mga post diri, I didn't see it as posts from people who brag for their achievements, but rather people who are living proofs na achievable jud diay ang ingon atong mga butang sa ilang pangidaron. Nagtuo man gud kog inig tiguwang ra ta maka-amgo bahin ani. mao YOLO akong nahimong principle. diay to mas maayo masugdan na ni samtang sayo.

About investment pud, layo pa kaayo ko anang mga MF, stocks2 oi. Best investment I could embark on at the moment kay investment sakong brain. Gituohan nako nga mao ning pinakadakong mhimong asset nako.

After investing for myself para ma-enhance akong skill and then makpangwartag tarong, diha pa siguro ko musulod sa next stage: Business and Investments.

Best luck sa atong mga pagpaningkamot!

[Ryan Tan Yu]

Bro, one thing is for certain. Wala gyud mi magbrag sa amount of savings nga naa namo ngari thread. We simply are just sharing. Maybe lang you feel that way because of how and what you feel when you wrote this post.

A lot of people who read the posts here are even inspired to save up. Some people even said nga na awaken sila. That alone is something worth giving a positive look ani nga thread.

Anyway bro, basing on your post pud, I don't think having a lot of money has to do anything with no more time for the family and you not being happy with your life anymore. Basing lang sa imong posts, tungod sa imong businesses or somethings that you do, like your gadgets, computers, a hobby nahutdan naka ug time to be happy and you only sleep 2-4hours a day. Also you've got two pages of work that you have to do.

From this, it is clear nga dili tungod sa money ang imong na feel nga stress ug kawad-on sa oras and ultimately unhapiness, it is the things that you do. It is the priorities that you set.

Maybe indirectly makasulti ka nga tungod sa money mao na ingon ani ko karon.
But is it really?
Or is it because eventhough you have the money now, but you want more of it. You have very good achievements now, but you want more of it. You have unacknowleged participation/contribution in big marketing gimmicks, but you want it to be appreciated and acknowledge. With this basin now it becomes a question of priorities, time management, appreciation and acknowlegements. Because you want more of what you already have or ought to have simply because you think it can make you happy. Because of this wanting more, ang resulta wala na nuon ka mahappy. And you say it is because of money nganong unhappy ka.

From the years of savings up and being frugal, personally, importante gyud kaayo nga naay savings, mas dako mas maayo. This will help me in times of dire need.
I'd rather have that amount and withdraw from it when the need arises. What if masakit ko, masakit akong anak, masakit akong wife. Masakit akong parents, sisters, brothers. Those savings will definitely be a very very important help. And I'm not even saying I'm not unhappy having that. That savings makes me sleep at night feeling happy and and a little secure.

With all this, I don't and never have any intention of offending you bro ha, I just want to share ra but maybe you should revisit your priorities bro. I think it's not your savings or the amount of money you have in your savings account have that is making you unhappy now. I think it is your priorities. We shared because we want to inspire people to save. We did not share para ipasuya ang mga hard-earned buck para unya among gamiton in the near future.

And one more thing, even a teacher of mine who is a person in authority adviced nga people should go abroad to work. Para inig retire nila dollars ang kita-on. Kay ang pension niya 8,000, dili gani kuno even makabayad sa mga tambal sa sakit sa katiguwangon, at least sa abroad dako2x ang kita-on ug ang pension.

Sad reality, but if he has learned to save up labon bata pa siya ug nag invest for the long-run. Basin unta he's outlook on how you live our lives dinhi sa Pilipinas or in going abroad to work nga ang resulta ma-miss ang among family, dili na parehas sa iya naa natanom sa huna-huna karon. Kay kung naa unta siya dako nga savings, may it be from years of hard work or money from invested income or from business or what-not. At least man lang unta lahi ang iyang ma advice namo.

Lastly, I'd rather have more savings para pambayad unya sa akong ganahan. Ug savings para mobayad sa hospital bills in kaso ug unsa man gani mahitabo nako ug sa akong family and persons in the family circle.
Than have other people worry about finding money, magpabaga mangutang didto sa silingan, mananto, mamrendra, in kaso magkasakit ko or anybody sa akong family circle.

This is the jist in all this. Mas maayo nga naa koy ako, para matabangan nako ang akong kaugalingon para pud unya makatabang ko sa uban. Dili ko makatabang sa uban kung bisan ako dili gani katabang sa akong kaugalingon.

No offense bro. Just wanna share. And I'm not bragging, just want to inspire.

None taken, good point.

I'm just a little too sensitive about 'showing off' and/or 'bragging,' no offense but I find it pathetic.
I've reached a point in life where I have become overwhelmed by my achievements, nahimo' kong hambugero maybe indirectly but I felt it inside. Now past that stage, I see myself in others na kusog manghambog. So I have no intention of picking up a debate, but I posted what I posted as simply nothing more than a food for thought.

Again I mean no offense, I'm simply stating, but showing off your savings and enumerating your assets is a display of huge ego the way I see it. Just personal opinion ha. Let's leave that at that.

Anyway re: happiness, no I'm sure it isn't priorities and acknowledgment that I have issues with. It's overall standards in life. I'm sure I have my priorities as right as can be, and in fact I feel better seeing the results rather than getting acknowledged. I can write a book about happiness and endlessly discuss it with you all here but it is pointless, since it is off-topic and not exactly welcome.


Back to topic:
Regarding savings, I'm not exactly against it but I don't like the idea of keeping money in your account--only because I see endless ways of making it grow. Maybe that's a habit I developed, possibly inherited. Any free time is spent wandering by sight kung unsay pwede i-negosyo, bisan way kwarta. I was introduced to MF, but the growth percentage was significantly lower pulling MF down to the bottom of my priorities.

Naa koy ma-agian na thread diri sa Istorya asking "Unsay maayo negosyo for 10k" I think to myself "Mao ni angay i-save ang kwarta," since klaro kaayo the person was unsure of what to do with his/her money. Although, if I were him/her I'd rather do actual research rather than asking around.

Pffff I had all my thoughts organized but lost it while typing. This post will end hanging hehehe.

[Ryan Tan Yu]

...

About investment pud, layo pa kaayo ko anang mga MF, stocks2 oi. Best investment I could embark on at the moment kay investment sakong brain. Gituohan nako nga mao ning pinakadakong mhimong asset nako.

After investing for myself para ma-enhance akong skill and then makpangwartag tarong, diha pa siguro ko musulod sa next stage: Business and Investments.

Best luck sa atong mga pagpaningkamot!

Priorities done right! Skills and abilities ang pinaka-smart investments, in my opinion.

[Butitor]

@joeyeka

Nganung "layo" man kaayo ka sa MF/Stocks? Karon ang saktong panahon. Now I'm on my late 20's, gamahay gani ko maypa early 20's ko gasugod. OPEN NA OG MF ACCOUNT bisan minimum lang...

[Ryan Tan Yu]

A lot of people who read the posts here are even inspired to save up. Some people even said nga na awaken sila. That alone is something worth giving a positive look ani nga thread.

Anyway bro, basing on your post pud, I don't think having a lot of money has to do anything with no more time for the family and you not being happy with your life anymore. Basing lang sa imong posts, tungod sa imong businesses or somethings that you do, like your gadgets, computers, a hobby nahutdan naka ug time to be happy and you only sleep 2-4hours a day. Also you've got two pages of work that you have to do.

...

I agree, the positive feedback is pleasant.

No, it's not about having more; I'm talking about having less. I can go on but again *sigh* I'll be the douche spoiling a good discussion

[Butitor]

150k @ 27 yrs old ug hapit na mahubas tungod sa akong kasal this month.

Ay ra pakasal bai hehehe joke!!!

OT: Lahi2x ra jud diay ning tawo sa? Mga pareha ra ta edad pero wala nako ng kasal2x..........kay wala man ko uyab!!! hahahaha

[Ryan Tan Yu]

nindot bitaw na brod Live a simple life. Kung naa na koy savings nga 100M magpabukid nako ug magpuyo nga pinobre.

I see this as a comment not thought over. Why am I even quoting this. 100M as savings then magpabukid magpuyo' ug pinobre? You're totally missing the point.

It's true, you can't equate happiness by how much assets or how many millions of savings you have. Believe me. I'm not bragging or anything but I came from nothing and worked my way up. I've been to both sides of the pole. I'm 27 years old and my net worth is P5M ,( I may sound like bragging but please hear me out). Having that net worth, am I happy now? NO. I want more and more and more. I become so stingy that their came a point that after eating a 5 dollar mcDonald's meal , I beat myself up because I spent an effin' 5 dollars. That gotta change. I soul-searched. I aligned my priorities. I slashed my "enoughasaurus" . I have enough. Now I'm yearning for a simple life. I'm ready to let go of my job and live a simple life.

Well I might actually just have found someone from the same perspective. But hey I think net worth, is indeed directly proportional to happiness; in reverse. The more worth one thinks he is, the less happy he grows. I don't have statistics to back this up but speaking from experience, I was happiest when I was rock-bottom. You know, the feeling of having nothing to lose. Anecdote time:
I was age 16: Adto ko matulog sa gym diha' sa merkado. One morning I woke up gikawat akong Sandugo na sinelas! I saved 1 month for it! Tag-200 baya' to. Guess what, instead of b!tching around I just laughed and said to myself, "Haha who would think I was worth stealing from!" I had to walk half a day bare-footed and I thought it was funny.
Present day: I found a very good deal of a car that was in the middle of me completing a business deal with one of VECO's contractors, I was broke kay I had to use all my money plus prenda sa TV ipalit sa stocks kay COD man ang payment term. Now I can't buy the car, I'm pissed at myself. I didn't even technically lose anything suko' na hinuon ko.

Huge difference, then and now.