
why disclose it in a public forum board?
naa tay incentive madawat dre? lol
I will not considered myself having savings, since am still paying my loan ... If ever naa sad secret nalang kay naa unya'y manghulam unya dili mubayad ... LOL !

3-4k per month
Planning to apply for abroad next year, kelangan ipon para makalarga![]()
I won't disclose the figures, but I always target setting aside at least 40% of my income to my savings.
I say set aside at least 10% of your total income for investment, 20% for savings. Deduct the necessities from the remaining amount and save the remaining figures after deduction. Pwede rapud nimo i spend
i.e
total income is 100k
10% = 10k for investment
20% = 20k for savings
50k = Necessities (bills, groceries, etc)
Remaining amount: 20k (pwede ra nimo i spend, or pwede nimo i add sa savings)

8k a month target ko pero minsan di rin nakakaabot![]()
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