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  1. #11

    may be i'm one of the persons NOT affected by this one..... dili sa pang hambug TIHIK jud ko....
    that is my friends comment on me 'tihik" kuno ko asta akong wife muingon na tihik kuno ko..... for me it's not tihik... I just want to spend my money for my NEEDS not my WANTS.....
    there is a big difference between things that you need and things that you want.....

    needs are the things to survive(longer)
    wants are the things that give you pleasure

    I also spend money for the things that I want but with limitation and discipline.... my point is that your expenses must be justified. hehehe thats me

  2. #12
    hey mga bro....naa bayad gyud daghan way how we hnadle aour financies ...naa sad lot of istoryans na willing to set down with you like ni HONEYY2723, me (reachingout) ug uban pa gyud willing and able kaayo ang naka nindot kay FREE of charge...asa man mo mangita ana oi LIBRE..sulayi ra gud

  3. #13
    mowork jud bitaw kung tihik ka or more aptly, having financial discipline.
    expenses should not exceed income with 10% to 20% of income set aside for investment.
    depende sad sa goal. for me, who want to retire early, i set aside almost 50% of my net salary per month.
    so far ok man, i don't feel deprived of what i really want.

  4. #14
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    hi al (miyay), i never knew you save almost 50% monthly... pretty smart decision...

    (swerte ang ma-minyo nga guy nimo kay ikaw ang nag-ipon para sa wedding hehehe... i mean
    look for a "fiancee" who thinks like you... then train your kids... )


    Quote Originally Posted by miyay View Post
    mowork jud bitaw kung tihik ka or more aptly, having financial discipline.
    expenses should not exceed income with 10% to 20% of income set aside for investment.
    depende sad sa goal. for me, who want to retire early, i set aside almost 50% of my net salary per month.
    so far ok man, i don't feel deprived of what i really want.

  5. #15
    kinsa man gud tao karon nga walay utang? naa man gani utang nga tao nga walay trabaho samot na naay trabaho.

  6. #16
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    you are correct bro to a certain degree

    believe me bro, there are people nga literally "walay utang"... and these people kadtong "financially" educated..

    its doesnt matter kung naay trabaho or wala... coz theyre "educated"

    salamat sa info bro... makakat-on ang uban sa imong inputs...


    Quote Originally Posted by necrotic freak View Post
    kinsa man gud tao karon nga walay utang? naa man gani utang nga tao nga walay trabaho samot na naay trabaho.

  7. #17
    tinuod na bro kung finacially educated maka gawas jud sa utang.. pero karon panahuna daghan dili makahimo ana..

  8. #18
    marriage bites...

  9. #19
    naa pa divorce sa pinas, daghan nang nanga buak...

  10. #20
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    .. no doubt bout it...

    Quote Originally Posted by necrotic freak View Post
    tinuod na bro kung finacially educated maka gawas jud sa utang.. pero karon panahuna daghan dili makahimo ana..

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