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

[Kristiano]

kay ok naman ang financial stability, ang sunod topic ani ky about "getting rid of in-laws and S3x> low na stamina/walay gana ky cge pangita kwarta... hehe

[firestarter]

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tinuod sad bitaw na uy... ma wa ang pagkalabing kung pirmi gutmon, pirmi tingbits. hope nga ny regular financial education.


basi ma move na ni sa "Love is" section bro

Mao gyud sis, pero pareson pud baya sila..

@quantuminplus + @ireneolive = <3

What do you guys think?

OnT: Dili na daw na uso ang "bahalag saging basta labing", since lisod naman gyud kaayo karon, survival mode na. Ang uso karon: "Love will keep us alive".

[tambok_08]

Age: 25
Status: Married with 1 son
Income: around 23k per month working in a BPO
Savings: around 50k (for emergency needs)
i invested my extra savings in life insurance kay ako mostly ga provide sa family, i wanna be protected incase anything happens to me, i also got an investment for my son 3k per month for 5 years (with a little insurace included), so when he turns 18 he will have a money of his own and i will teach him how to invest and spend wisely, bali gift nako sa iya in the future.. ako ra pasagdan mo grow ang money after paying for 5 yrs and check it again when he turns 16-18.. if maka extra income, i will get a life insurance for my hubby sad para both of us are protected..

i feel so left behind kay i just knew about mutual funds, investments, vuls and the like kay just 1 year ago.. had i learned this earlier, dako2 najd kog savings especially tong single pako.. anyway, i used to give money to my parents man pd atong single pako like 50% of my salary plus i pay bills.. so wala ra ghapon nasayang ang money... hopefully maka earn ko more income to put more money on my investments.. this thread is so inspiring.. thank you ^_^

[inxss4]

im a young adult and my earnings?....secret!

[superidol]

Bahala dukot ug bulad sud-an basta permi galubo. Bahala wa yamo bank acct basta hilot kada gabie.lol

EehhEEEMm!! tnood ja ni xa. . EEeeHHeeeMmm! grabe jd ka lami ang bulad. . samot na qng ulan2x. .

[k3ntlim1130]

Age: 25
Status: Married with 1 son
Income: around 23k per month working in a BPO
Savings: around 50k (for emergency needs)
i invested my extra savings in life insurance kay ako mostly ga provide sa family, i wanna be protected incase anything happens to me, i also got an investment for my son 3k per month for 5 years (with a little insurace included), so when he turns 18 he will have a money of his own and i will teach him how to invest and spend wisely, bali gift nako sa iya in the future.. ako ra pasagdan mo grow ang money after paying for 5 yrs and check it again when he turns 16-18.. if maka extra income, i will get a life insurance for my hubby sad para both of us are protected..

i feel so left behind kay i just knew about mutual funds, investments, vuls and the like kay just 1 year ago.. had i learned this earlier, dako2 najd kog savings especially tong single pako.. anyway, i used to give money to my parents man pd atong single pako like 50% of my salary plus i pay bills.. so wala ra ghapon nasayang ang money... hopefully maka earn ko more income to put more money on my investments.. this thread is so inspiring.. thank you ^_^

same ta bai.. last year pako ning sulod ug MF.. nya gamay rapa jud kay suway2x lang nako.. sayang.. hehe..

[Butitor]

im a young adult and my earnings?....secret!

Ipakita na diri. Share para pod makatabang ka inspire nganhi.

[i_am_fairy]

Age: early 30's
Savings: 5k ra intawn (maintaining balance pa jud..hehe)
Assets: House and Lot acquired from Pag-ibig, a motorcycle and a lot somewhere in Barili

I used to have enough jud before kay di man jud ko gastador but when I invested my money sa balay and yuta, didto nako mejo wa nay savings. Sometimes, malipay nako if naa ko savings nga 2k. Hopefully in the future mas dako na sa 2k akong ma save..
i want to learn about MF sad, kaso madalok ko sa risk gud kay wa jud ko idea ani..hehe

[icmmendoza]

very eye-opening thread indeed. I have learned so much by reading all of these posts.

well, here's my share:
age: 20
savings: -10k pa
"Bugoy" jud ko sauna, I wasted a lot of chances, I was an engineering student. pero wa koy sud sud ato, sige lang ug dota. Dira nako naka amgo nga nihilak na mismo ang nag finance nako sa akong pagkabugoy, there, i told myself nga mag bag-o najud ko, I asked my grandmom for a last chance, so nisugot siya pero sa 2 year course ra ko niya mapa enroll, okay na ni para nako for a start. I took advanced diploma in computer programming. first sem went by, problem free, pero sa mga sunod nga sems, niana na akong lola nga di na kaau niya makaya ang pag finance nako, so there, i started looking for a job, naka sud ko sa western watts as a coding specialist. gamay2 rag sweldo pero payts na kaayo para bayad skwelahan, then hatag sa akong lola para tabang sa adlaw2 nga kunsomo. Work while ga skwela, go rajud ko bisag naay times tig 3 hrs ra ang tulog or straight jud walay tulog. The management in our company saw how efficient I am in working, so after ko ni graduate, gi promote dayun ko as dp. taasa na sa akong gisuwat oy, long story short, Working ko karon as a data processor sa SSI (formerly western watts). sa akong pagtrabaho as a Coding specialist nakapalit kog brand new MIO soul FI worth 78k, this will be my main source of transportation, way upgrade2, pang transpo lang, mas save kaysa mo plete, I only consume 150 gas per 7 days, nya reward jud ni nako sa akong kaugalingon motora. nakapalit sad kog i5 nga MSI laptop, i'll use this for my business idea soon and for my happy times, then wala na, simple ra ug cellphone, mga lima na guro ni ka tuig akong corby hehe. I was able to graduate sad bunga sa pagpaninguha, and mag hatagan ko sa akong lola ug para bayad sa kuryente. I got all of these with my "Coder" rate pa sa among company since probationary pako for 3 months (2013 diay ko graduate hihi). once ma regular data processor nako, dako2 jud ug matubo sa akong rate karon. ang tubo sa akong sweldo mao nay sugdan nakog tigom for my future business plan. stay tuned...

[cebu.opportunities]

Age: early 30's
Savings: 5k ra intawn (maintaining balance pa jud..hehe)
Assets: House and Lot acquired from Pag-ibig, a motorcycle and a lot somewhere in Barili

I used to have enough jud before kay di man jud ko gastador but when I invested my money sa balay and yuta, didto nako mejo wa nay savings. Sometimes, malipay nako if naa ko savings nga 2k. Hopefully in the future mas dako na sa 2k akong ma save..
i want to learn about MF sad, kaso madalok ko sa risk gud kay wa jud ko idea ani..hehe

mao gyud miss. draining kayo sa funds mag-invest sa real estate pero as long as faithful lang gyud sa pag-bayad monthly and ma fully paid na, this kind of investment ky "di" ma.wa sa imoha especially sa lot (unless if hit by force majeure while sa structural aspect, wear and tear gyud hinuon ni) pero it's potential gain ky mag-depende na gyud sa imoha if how you'll utilize the property.
pwede no gain (nag-rely sa appreciation sa value by time), passive fix income, or active, volatile yet higher potential income.

ang MF, naa siya low, medium and high risk so if in doubt ka higher risks, you can always start with sa lesser risk then if ready naka to shift to higher risk, shift lang.