Originally Posted by
Mygz
Dati mi employee 3 years ago , but then my wife and I decide to focus on our pharma business. Our combined income per month is close to plus minus 160k/ month average,sometimes more than. We take home allowances of only5k each per month, we have one child , we save 10k each, so total of 30k net, sa ako, wife og bb namu per month in 3 savings passbook na Naka RSP sa bpi for investment In 3 types bonds, balanced,and equity in trust fund sa ako wife. The 60k is separate fund at other bank for monthly rolling but not used.serve as buffer fund chunk from gross of 160k. To sum up we save 110k/month. Our liabilities : 19k/month of all new ford ranger for 3years monthly amortization last march Lang nakuha, we place 500k down payment and our loan for 3 years is 600k brand new price is 1.1M, our second home is coming to take out via PAG-ibig loan of 12k/month, market value is 2.069M, but we put equity of 800k our loan is 1.1M. Nag kuha mig Condo sa Manila nasa 1st year equity pa mi og 3,888 per month kay preseling pa. Pero murag amo na ni IPA assume layo og year 2016 pa ma take out worth 1.6M. Our gas expense amount to 6k/month, living expense electric,water helper,grocery milk sa bb total.of 25k/month. Our cash Liquidity is estimated 2M in banks . Assets: first house worth 1.2M, Paper assets 600k, agri land 20hectars with Palm oil plant not bearing fruit pa possible next yr nasa expense mode pa. Jewelries worth 200k, Idont want to count.appliances / gadgets coz depreciating value. We are both 34y.o, we live in frugal lifestyle, our bb is almost 2y.o, by the way paper assets of 600k is included to our 2M liquidity apil na dinhi. Goals: if mag bearfruit na amu palm oil, start na income mu dugang mi sa paper assets for educational, retirement and grand vacation fund. Then target of at least 5door apartment if maka hatag na amu agri investment. Base on data above, mga isyoryans am I financially healthy? If you are my financial advicer , what is lacking? Am I financially free on my situation? In what stage of status profile ko na belong? Thanks your analysis is very much appreciated, gusto Lang nako mahibal an asa nako na stage...
maayu mu kopot ug kwarta
Reply With Quote
