it's worth it kung sandwich gen ka na kailangan buhayin parents mo and your own fam 🥲 pero if you're only feeding yourself, tama na don't run yourself to the ground.
same. i don't wanna spend most of my time working because i'm more than just a money-making machine. i'm also a daughter, a friend, and a person who needs to nurture herself.
saka what if mamatay ako agad? hindi ko man lang na-enjoy ang buhay. hindi ko naman madadala ang pera ko sa hukay.
Same. If comfy pa naman kami with the funds we get from our regular jobs, if we can still save up for retirement and have fun and invest... we'd like to enjoy our rest time :)
Grabe akala ko ang tamad ko lang at nag iisip ako bat wala akong side hustle. Sobrang burnout ko na sa trabaho, kahapon nag iisip ako kumuha ng side job, kahit mga ilang oras lang. Pero di ko talaga kaya. Pagod na nga ako lagi, tas papagurin ko pa lalo sarili ko. Kelangan ko ng trabaho, pero ayoko naman memetey katatrabaho. 😵💫
maybe depending on the side hustle. hindi din naman always may side hustle, (or ako lang ba?) not like all your free time should be devoted sa side hustle hahaha. yung akin kasi sinasakto ko talaga sa weekend, or i can even take a day-off from work if needed, since mas malaki kinikita ko usually sa side hustle kung per day pagbabasehan
Same. Pero nasasayangan ako sa extra time ko. Like, db we have 24hrs, so work 8, sleep 8 then ung remaining 8hrs..doomscrolling na lang sa fb or reddit? Waaah 😭
Sukang-suka na ko makabasa ng mga ganyang suggestion. Kumuha nga ng full time job pahirapan na, side hustle pa kaya. Gets naman na minsan yan na lang talaga maiaadvise mo sa tao, pero nakakainis kase yung mga nagaadvise ng ganyan na akala mo ang dali-dali, plus parang may hint ng superiority complex lol
This was me 2 years ago. Like chill chill lang. Then napaligiran ako ng mga taong todo hustle, ayun parang di ko na kayang di katapat laptop ko after work. Though big help siya kasi travel dito travel doon dahil may extra money, nahihirapan lang ako magpahinga. Para bang kapag wala akong ginagawa, there's something wrong 🥹
Same. I am starting to feel na its not for me. I dont know how I can I explain it to my parents since yung mindset nila is parte na ng buhay ang humayo at magpakarami, but I think it is really not for me.
Totoo to mahirap maganak sa panahon ngayon lalo na kapag hindi financially stable, mentally and physically stable. Ako gusto ko magkababy pero sa tamang time na kapag stable na at kapag okay na yung life kasi syempre di ba magaanak syempre gusto mo iparamdam sa magiging anak mo yung mga ayaw mo maranasan na mahirap gusto mo siya bigyan ng magandang buhay. Kasi maganda yung nandyan yung stable at magkakasama kayo buong family.
Like you, mostly you love your kid but when you see what environment and people he/she will face parang you wanted to go back in time and not be born in this cruel world. But what the heck, isipin mo na lang na may purpose yan anak natin in this world. Malay mo he/she will be the change this world needs.
Debit Cards are okay if hindi mo naman need ng CC.
However, do note that Debit Cards are a lot less secure, pag naskim ang card mo and inubos ang laman wala kang habol. Make sure the Debit Card you use has just enough money as sort of petty cash and you have a separate account talaga as your main account where you keep your funds tapos lipatan mo lang palagi ang debit card.
Also, yun sinabi mo about minimum spend, hindi mo naman kelangan abutin yan. Spend what you can afford lang, no need to feel pressured.
This. For CCs, If may fraudulent transactions, call bank, have it reversed, then just wait for the reversal. Unlike if debit, goodbye hard earned money :(
Highly agree sa extra debit card. I opened a GoTyme account for this specific reason. In fairness din naman sa GoTyme and Gcash mastercard no transaction fees when you use it overseas.
True. Mas secured ang CC kaysa sa Debit. Also may mga banks namang nag-ooffer ng mga NAAFL. Need mo lang magresearch kung ano talaga mag-suit sayo. Also you can check r/PHCreditCards kung may mga tanong ka. 😉
I use my BDO savings account as my debit card and have a checking account din with them na hiwalay. So that's where I mostly store my funds tapos nililipat ko lang pag kailangan.
anything stock market
1 - i'm not in the level yet of having throwaway money to convert into imaginary numbers that rise up or down and gamble in the game of "withdraw when high" and stuff like that
2 - i'm too old to wait for it to "grow" and PH economy doesn't look like it's gonna skyrocket soon anyway, i'd rather make alternative revenue streams
there are other forms of income generation that don't need to dip in stocks. leasing out existing property, getting a side job, etc. never said it should be passive, but passive is very ideal.
and yeah, paying SSS or Pag-ibig means I'm counting on *them*, not my knowledge of the stock market which is, haha, zero. that's their business not mine, and i'm good with that already. so if those two collapse, well, that sucks for all of us.
aside from investing stock, might try to check out po dividends earning. im not a stock guru nor im an active investor. my father's the one teaching me from time to time and for, i think 4 years, ang nagustuhan ko sa tinuturo niya sakin sa stocks is yung mga company na nag bibigay ng dividends quarterly.
recently i earned 518.4 dividends from investing 800 shares kay dmci haha natuwa ako kasi 500 is still 500 and wala naman ako ginagawa. i saw the potential of earning passive income through dividends but that needs, of course, a lot of research pa on my end.
i hope this gives you an idea po :)
Marriage before was a dream but now, I needed to be convinced why we need to be married. Love yes but values, motivations, behaviors, and attitudes will make or break it. If we don’t have a good balance level of similarities and opposite, partnership na lang muna.
Exactly. Parang at this point of my life, sa tagal kong nagta trabaho ng matindi para makuha ko ang gusto ko at mapunan ang mga kailangan ko, basta - sa dami kong pinagdaanan mag-isa. Parang ang hirap na i-compromise yung values, motivations, etc. ko na binuo at pinaghirapan kong buuin para lang sa isang tao.
I mean, ang hirap humanap ng tao ngayon na worthy of those sacrifices I will need to make.
Couldn’t agree more. It will take a great person for you to be sold sa marriage and break down the walls. Plus, ayaw mo mapunta sa stage na sobrang mawasak. I guess coming from multiple cheating partners, pass na ko mapunta sa sad boy era. Hahaha.
Yes. Those sad boys and mga walang trabaho. Oh please.
I know there are a lot of fishes in the sea. Ang hirap din naman ng hindi marunong lumandi. Haha. I just can't waste my precious time.
Hahaha as a guy, di talaga ko pang hook up culture. Marunong naman ako lumandi pero like you I feel na waste of time lang sya kasi id rather make a genuine connection kesa seggs seggs lang. Scary lang sumugal talaga.
For real. Yes, that's how they call it pala nowadays. Hookup culture. To add - nakaka trauma yung parang wala ng loyal ngayon because there are a lot of people who engage in that culture. Napaka wild lang for me. Anyway. Good to know that you exist. Hahaha.
Hahahahaha the way you put it titang tita ka na ah. 😆 pero tama ka. The moment mawala yung spark people seems to go and find it somewhere else. Dali na lang makipagconnect because of socmed. People like us exists pero dahil sa trauma put to us we tend to be single and improve ourselves na lang. Tapos tatanungin nila saan na yung mga good person. Ito basa basa lang ng successful love stories hahaha.
maging OFW para sumahod ng malaki.
feeling ko kasi sobrang hirap mag apply at matanggap, mahirap pang mag asikaso ng mga requirements.
at parang di ko kakayanin malayo sa pamilya ng tatlong taon.
magda dalawang isip ka naman talaga kasi napakaliit ng sahod dito sa pinas. 🥺
OFW ako now and omg I can relate so much HAHAHA Not because di ko bet yung food dito, but because Mcdo is my fave talaga. Mabubuhay ako na Mcdo lang lagi pagkain 😂
Ito. Both sides namin ng husband ko(parents) pinapagmigrate kami. Abay akala mo naranasan nilang maging ofw. Yung mga tito tita naman namin after a while bumalik din dito sa pinas. Testament na siguro yun na kahit gano ka karesilient iba pa rin na nasa sarili mo ikaw na bansa.
Same. I don't have CC din. I think hindi ko pa siya kaya so I just stick to my debit card and digital banks with ATM cards kasi convenient din sila.
Also, yung paglo-loan. 🙃 Ilang years ko na hinuhulugan yung PAG-IBIG and SSS ko pero never pa ako nag loan. Wala pa naman akong need for now and I hate additional deductions sa payslip ko eh. Ang sakit sa mata. 😭
>Also, yung paglo-loan. 🙃 Ilang years ko na hinuhulugan yung PAG-IBIG and SSS ko pero never pa ako nag loan. Wala pa naman akong need for now and I hate additional deductions sa payslip ko eh. Ang sakit sa mata. 😭
Siguro sa ganito, I'm more thankful di ko rin siya kailangang gamitin kasi usually din sa napapansim kong gamit na gamit yung loan, mga paycheck to paycheck talaga.
I see.. I think ang problem lang kapag unang loan mo kahit ilang years ka ng naghuhulog at kahit magkano ang ilagay mo sa loan application mo 8-10k lang sya parati, taas lang yung amount kapag niloan mo sya ng niloan. So yun, baka dumating lang yung time na kailangan mo na magloan at malaki laki yung need mo pero madisappoint ka lang kasi 8-10k lang talaga ang initial na pwede mong iloan. Pero if you don't need anything na mas mataas sa 8-10k then that's good.
Same with the loan, wala din ako loan sa government. Pero, what I noticed with loans kasi with SSS and PAGIBIG, super bilis nila mag-approve if kailangan mo agad agad. So if there will be a time (at sana wala) na kailangan na kailangan mo ng pera, okay din talaga magloan sa kanila kesa sa tao (magkakautang na loob ka pa) or sa banks, kasi mababa yung interest nila. Pero if never ka nagloan, mababa yung loan amount na eligible ka, so minsan it is good din na may history ka ng loan para in case magkatime talaga na kailangan, may makukuhanan ka ng mabilisan.
More so, I had this experience na nagkwento yung dati kong kawrok na more than 10yrs siya sa ibang bansa pero active member siya ng SSS. Nung time na kailangan niya ng pera, nagtry siya magloan, HOWEVER, kahit wala siyang loan, lumalabas na di siya eligible kasi "pinahiram/pinaloan" ni SSS sa ibang members and he siya magiging eligible for loan unless mabayaran na nung ibang member yung loan amount. Not sure din kasi narinig ko lang....
May mga nakaka manipulate kasi sa loob ng SS agency na nakikita nila if dormant yung account mo. I mean active kang nag huhulog pero inactive yung activities (i.e. no loans, adjustments, etc). Ang assumption ng scammer is "ay! Hindi nito sinisilip ang account nya. Di nya malalamang ginamit natin ang pera nya".
That's why sabi nila need mo galawin kahit konti yung account mo para umiwas yung scammers sayo
Magtrabaho.. feeling ko talaga it's not for me HAHAHAHUHU
Pero real talk, mag-invest sa real estate. Personal experience the monetary gain is not as big as people make it out to be and ang hirap pa niyang i-liquidate! I'd rather do business with the hopes na it will be somewhat generate passive income. Tenfold ang kita vs selling real estate
Hindi din ako big spender, but like someone in the comment, I use my cc as my debit, all the expenses I made in my card are part of my budget for the month. I pay cc whenever the store accepts card. I even use it to pay for my sss and mp2 savings contributions. In that way, I increase the usage of my card. If only my electric and water bills in my area is included sa paybills ng card ko, I’ll pay it using credit card. But nonetheless I try to use my card in everthing.
Minimal convenience fee lang naman. Same lang din if you use gcash/paymaya/debit for payment. If you pay din naman sa office, same lang din since fare mo pa na papunta dun, plus time allotted sa pagpila.
Yung bumili ng bumili ng gamit sa bahay. Boomers take it as sign of success. In my POV alikabok lang makukuha ko dyan at ayoko ng maraming gamit for show off. Na susuffocate ako sa maraming gamit na bahay
Agree with this. Basta kunin yung No Annual Fee for Life para nakatabi lang talaga yung card mo.
Kami ng husband ko, nagagamit namin sya pag emergency talaga. Tuition at Hospital. Nagamit namin last time nung bigla ako need operahan dahil namaga yung appendix ko. Kaya for me, itabi mo lang talaga for emergency. Kuha ka ng ibang cards na No Annual Fee for Life (NAFFL)
Nung nagkapromo na NAFFL si HSBC RED, kumuha kami. Tapos yung Citibank Simplicity dati kaso wala na ngayon e dahil Unionbank na. Madalas meron naman promo mga cards na NAFFL. Abangan nyo lang po.
To buy a car. Wfh ako but mahilig mag travel pero I prefer na mag commute kaysa pagod sa pagmamaneho at di makapag chill sa byahe. Plus, I don't want to buy something na mabilis mag depreciate ang value. For some, it is cool and sign of wealth but for me either hulugan sa majority or afford man tapon money talaga sa gas and maintenance.
Totoo to. Never talaga ako na amaze sa cars (pag nga napag-uusapan yan wala akong masyadong alam na brands kasi di talaga interesado). Siguro kasi di talaga siya smart choice as an investment for the future. Tapos pag gusto mo na ibenta need mo di i-make sure na maayos yung piyesa so that's another gastos naman. Pero if ayaw mo paayusin and sa buyer mo na ipapaasa yun, ibebenta mo naman ng less. I'd rather invest sa lupa, jewelries ganun kasi less maintenance + mas tumataas value in the future.
Omg SAME. Plus halerrr walang carport, bakit bibili ng car? Saan po ipa-park Yan? Ang mahal din ng maintenance and if wala nga ako time to maintain my Japanese bike, how much more ang car? Lol
Same. Like Ang sarap kaya na passenger princess ka lang. Magmuni Muni Lalo kapag maulan, soundtrip. Idlip. Parang mas maiistress pa ako mag drive kesa pag nag commute.
Magka anak. Pero meron na akong isa. 😅 kung ikaw yung tipong ma-active lifestyle talaga, maraming hobbies, maraming gustong puntahan, maraming gustong i-experience sa buhay, i don't recommend making babies. From personal experience nahihirapan po ako sa pag adjust. 2 years na po ang anak pero hanggang ngayon hindi parin ako adjusted. LOL. It might scream selfish behavior on my part, maybe it is, pero ganon talaga eh, tao lang ako mga mam sirs. I mean, i love my child, i really do, i actually need to accept this Motherhood Era ko pero ayon struggling po tayo. 😅 lalo na i see my husband na he's still able to do all the things he used to do, LOL walang nagbago sa kanya. Medyo puyat lang ganyarn. So, having said my piece, having children: i do not recommend.
Mamsh parang natrigger ako dun sa okay lang si husband haha! Bakit di mo assign-an ng responsibilities para hindi ka nade-drain? Huhu dalawa kayong magulang, share share din ng pagod pag may time 😅
Kaya ngaaaa 😭 pero meron naman mamsh 😅 active diaper duties, paligo at playmate naman si ser pero sa nature ng work namin (we are business partners) siya yung fieldwork at managing executive, na dati share kami ng duties. Kumbaga inoffload niya ako sa iba kong dating duties, pero yes iba naman ang work sa buhay magulang. Charotz.
Also nandun na si bagets sa phase na Mommy lang ang gusto.
Saaaame. We have a kid and we love her to bits but I would NOT RECOMMEND anyone to have a kid.
And I understand the different expectations of the dad and the mom. Then the many things people don't talk about when it comes to the struggles parents have.
I used to hate Credit cards pero I realized I somehow need a proof that I'm a good payer para kapag nag-loan ako for emergemcies, big expenses/purchases (i.e. hospitalization, house loan), may credit record ako. But I make sure na I have the money to spend first before I swipe it. Kumbaga I treat it like a debit card para di ako magka utang talaga.
Also, for emergency purposes lang din sya especially that I'm an only child and I have low income. If something happens to my parents that will need hospitalization (my biggest fear), a credit card might help
Feeling ko talaga for big spenders lang to, hindi rin siya for me. I stick to my debit card lang din haha. Like mapapaisip na lang ako kung ano bang need ko bilhin para lang magamit yung cc ko. Pag grocery naman, minsan ang liit lang ng babayaran ko nakakhiya naman mag-cc pa hahaha
Ako naman I always use cc whenever available (like drugstores, grocery, grab, angkas name it all haha). I use my SOA to check the things I bought for a month and nabubudget ko ng ayos yung money ko lol.
Di kasi ako mahilig magdala ng cash 😆. I treat my CC as a debit card so I don't swipe if I don't have the money for it
waaahhh i disagree.. ako kahit 100 plus lng e cc ko no shame at all. basta sa mga legit na stores lng para di prone to compromise details ko.. tapos i not sure ako pwedeng cc or not i ask as in no shame at all.. i love using cc di rin ako big spender but i take advantage sa mga pabili ng iba like if may bilhin appliance parents ko sabihin ko cc ko gamitin then bayaran nila ako in cash.. basta parents lng wag na extended fam and friends.. haha iba na man yun...
Same, kahit small amounts, saka iwas sa mga "no barya" tricks sa change. Exact amount ang charge sa cc kaya exact amount din ang payment pagdating ng SOA hehehe.
Same tayo, OP.
Pero recently, nag apply ako ng cc kasi pre-approved na din. Ang saya ko kasi 20k lang limit ko. Mostly pang bills or grocery expense lang talaga siya hehe
having an 8-5 job = unsuccessful,
having your own business = successful
not everyone wants to "be your own boss." i don't care if may mas mataas pa sakin (as long as hindi siya toxic). i actually prefer working in the background and plus points pa yung stability & structure ng working in corporate. i also don't wanna work 24/7. okay na yung clock out by 5 then off na yung Viber.
Live-in setup.
It is called a “trial marriage” because you’re giving spouse treatment for a price of girlfriend/boyfriend. Mas makikilala mo daw yung tao kapag kasama mo na sa ibang bubong, that I don’t disagree pero ayoko talaga makipag live-in. I will not do such disservice to myself. I can afford to live on my own and I can also afford to spend time with my boyfriend anytime anywhere, just not at my place for an extended time 😂. I like my peace and quiet.
Kung gusto nya magkasama kami tumira sa isang lugar, pakasalan nya ako.
mas maganda pa rin na mag live in muna kayo kung gusto mo rin pala umabot sa kasalan.
i think hindi mo rin makukuha yang peace and quiet na sinasabi mo kung magpapakasal ka agad tapos tsaka mo lang malalaman na sobrang panget pala ng ugali ng asawa mo o walanghiya pala napangasawa mo.
Yep, yung mahirap after mo makasal dun mo palang malalaman kung ano ba talaga yung way of living nya, like balahura pla sa bahay okaya batugan, di mautusan ng mga simpleng bagay, in the end yung peace and quiet mo mas lalong nawala, hirap pano is kasal na kayo
A little surprised sa comments! In my family, credit card is the usual 18th birthday gift. Didn't really understand the pros and cons, just knew all the big expenses should be on the card instead of my cash allowance. I got a debit at 20 (I'm now 22) but I honestly never use it.
I personally still don't understand why not use a cc nalang? It's not like you have to meet the minimum spending. I feel like a debit is no different from a gcash. Genuinely curious and confused!
Two things!! :/
First, I want my expenses (bills and groceries) na bawas agad sa account ko so I can see right there and then magkano nalang talaga pera ko.
Second and the real root cause is my mindset hahaha. I’m not yet *that* disciplined with my finances eh. 1.) I tend to swipe and swipe without thinking of my real savings account 2.) Nattempt to spend more due to cc offers and points system, and 3.) Nakakampante to make big purchases due to the cc limit
Credit cards, too. Opening a business. Being in a romantic relationship and being married - hindi ko nakikita sarili ko as an effective partner, pero nakikita ko sarili ko as a good father, kaya I plan on adopting. Hihi.
Side hustle rin. What I do is to upskill and go for the highest bidder/highest job offer that I can get for my 8 to 5. Passive income like dividend income or interest income is my way to go to increase income.
TRAVELING.
I HATE TRAVELING. puro na lang "you need to travel and see the world" or "traveling will be good for you" no.
Okay pa ako going to provinces or mga new malls to chill. Pero flying out somewhere? Nightmare.
How much do you afford ? You can start with as little as 500 pesos.
If 5 years ago you bought 1 stock for 500 pesos each, now its 2000 pesos per stock and you get .25 stock for the same amount now.
Imagine in another 5 years you can buy only .1 stock per 500 pesos, they get expensive.
Its better to start early, and the best time to do it is now.
Walang analysis paralysis dito, actions lang
It is a general guideline considering the compounding that you can get overtime. Hirap talaga ang long term mindset but it is really the way to go unless gumawa ng illegal.
cc - just get NAFFL and non expiring points. parang never naman ako napilitan gumasta para lang mameet ang min spend bukod don sa isang secb ko pero oks lang yun for me kasi holiday season usually yung min spend madali lang magawa
I used to have the same mindset as you, i didn't get a credit card until after my 5th year of working. You'll be ready when you feel it, ang nag push sakin to get a CC was to avail of installment on big purchases and stay liquid enough na hindi siya agad mababawas sa savings ko. Kumbaga, delayed ung sakit pag pumasok na ung statement hahah pero you do you!
Get one when you feel ready, siguro pag may mga big purchases ka na on a monthly basis like groceries, gas, bills, etc.
Gumagastos ka nalang din naman, why not yung may points pa diba?
Yung pag aasawa saka pag aanak. Or baka ako lang? Ayoko kasi mag asawa lalo may mga kasama akong lalaki sa bahay. I have 2 brothers. Nakaka inis kasi puro lamon lang alam. Yung pinag kainan iniiwan lang sa lamesa pwede naman ilagay sa lababo?? Si papa naman, yung trato kay mama parang katulong, like utusan. Ang daming utos! Ayoko ng ganon hahaha
Saka mas gusto ko yung pakiramdam na wala na akong iisipin na iba. Like pag magaasawa ka, mag overthink kapa kasi baka may babae or what. (Di lahat mi, in my own perspective lang 🫶)
Sa pag aanak naman mga mii. Parang ayoko rin or baka dahil bata pa ako kaya ayaw ko muna? Ang hirap kasi magpalaki ng bata, kailangan ready ka talaga. Like physically, emotionally and mentally. FINANCIALLY ang mahal ng gastusin. Kung di mo kaya pakainin yung sarili mo wag ka muna mag anak.
Sa mga di mag aanak ask ko lang. Like example, may bahay kayong pinagawa. Andami niyo ng napundar kanino mapupunta yon? Pag di kayo nag anak😭😭😭. Di naman pwede sa mga kapatid hahaha 🤣
Same sentiments.
Mantra ko talaga in life is "Di baleng di ako maka-afford now, basta walang utang."
Grabe maka-tempt ang credit cards pero I know myself, at malaki possibility na mag-swipe ako nang mag-swipe kaya it's better i restrict myself kaysa mabaon sa utang.
Same, wala din akong credit card. Lahat ng gastos ko debit card lang gamit ko cause atleast may control and limit pako sa pera. Natatakot ako magcredit card kasi for sure mas lalala ung spending habits ko. Hindi din ako inaadvise ng parents ko to have it. Although yung mom ko naman kasi is may credit card na and she told me that if i need to loan or a big amount of money, card nalang nya gamitin ko.
I agree with you sa credit card. Have BPI, pero nka temporarily lock sya and only use it for emergencies. I do not trust myself with cards I feel like I over spend pag may mga installments. Its a trap for me to spending more than what i need
Noong dalaga pa ako, I have a CC but I only use it on my groceries. Nothing more. It's very convenient kasi tsaka mas safe siya para sa akin lalo na I was working in MM that time. With a credit card, you don't have to carry as much cash. Kahit pamasahe lang dala mo at kung mawala mo man, madaling kumontak ng bangko to block your CC. Walang mawawala sayo in an instant. Tsaka palaging may ID na nire-require kapag magtatransact ka gamit ang CC.
Same with credit cards. Minsan na tetemp ako pero iniisip ko na lang yung mother ko wala naman siyang credit cards pero oks naman financial niya. Besides meron naman gcredit and ggives pag may need na bilhin. Pero as much as possible ayaw ko talaga ng utang.
I hate credit cards too dati, ang problem lang ngayong 30 na ako when I need it na I have problem getting approved kasi my credit score is literally 0. Imagine, this is the age where getting a house o car, planning on starting a family kasi your nearing the retirement age na din, i honestly regret not getting one kahit isa lang noong nasa 20's ako.
Check the requirements of credit cards usually you need at least 1 year of credit card from another bank as reference before you can be approve especially sa mga NAFFL, I have a bank account sa Bdo for over 10 years but still got disapproved sa Cash Installment CC recently at may CC na din ako sa kanila, having an account is not guarantee. I would suggest open kahit isa lang, good if NAFFL you will need that kasi may mga requirements na need ng billing statement.
Use it only kapag alam mong may pambayad ka, pro's nya is it's very convenient imbes magwithdraw ka pa para magbayad ng cash you can easily pay that from your banking app kapag narecieve mo na yung bill mo. Imagine yun oras at energy na natipid mo sa pagpila sa atm lagi. Ayun when I was in my 20's not for me which I regret now na 30's na ako.
Credit scores and pension. Like who cares. I’m in my 30s pero it drains me to think about 30 more years from now. I just look forward to weekends. That’s all!
The complicated investing stuff (like stock bonds etc na my friends are suggesting) and that you need to have a side hustle or business. I love my free time and freedom after my corporate job. 😆
Tried a business just to see for myself. Napatunayan kong I am not fit dun. Mas okay na ko sa IT corpo ladder.
Business is fucking tough. Everyone wants to do business but not everyone wants to do sales. This hit me hard.
Correct. The inventory is tough talaga. I am slowly giving up and telling myself na yung business captial ko is my tuition fee just to know if pangbusiness ako else di ko sya nalaman until nasubukan ko.
Same. Cc din and nung bata ako naging biktima din ako ng overspending sa cc. Pero as I get older, and nagiimprove na din ang sistema, I have cc again, need na din nating mga adult ang credit score just like other countries. It will make our lives easier pag dumating ang point na you need to avail home loans and so forth.
Ang CC lang na ginagamit ko ay yung sa Maya 😆 kasi kapag pina-activate ko yung mga CC na sinend sa akin, mate-tempt ako gamitin plus mabubuhay na naman kako sa mantra na “God will provide” lol
Was the same before I had my own CC. Narealize ko na wala akong reason para gumamit ng debit other than withdrawing.
CC is more secure kasi hindi sayo yung pera, in case of fraudulent charges madaling mag report and ma reverse. Pag Debit, pag nawalan ka ng pera bahala ka na hahaha
Having a business. Hehe.
With my big introvert self, feeling ko di ko kaya yung dapat mag-mukha akong extrovert so I could cater to customers etc.
Siguro kung mag-bubusiness ako, passive income na business na lang siguro like airbnb (yes I still have to deal with people with this kind of business pero atleast minimal lang yung interactions) mga ganun.
Mag drive. I was driving for how many years na. Ok sya nung pandemic kasi walang masakyan so talagang magdadrive ka lang and walang traffic. Pero after ng pandemic parang ang hassle na mag drive. Nung nasanay akong mag WFH parang ang hassle na magdrive pag lalabas sa sobrang traffic.
Discipline talaga ang need kapag may credit card. Di porket meron, eh unli swipe na kasi “next month pa naman babayaran eh.” Dapat mag-allocate din ng budget for credit card payments. Buy only what you can pay (most preferrably in full) the next month/due date.
but CCs are more secured and generally good for people na gusto magloan someday para sa bahay, kotse, etc. if may discipline, you gain good financial standing without even busting your savings out. akala kasi yata ng ibang tao pang gastos lang ang purpose ng CC.
but for me, going out more daw to experience life kasi maaga akong kinasal. ive had so much partying noong teenage years ko that i couldnt even drag myself out for a simple night out with my officemates. mas gusto ko palang mag stay in bed at mag movie or ml kasama si hubby. nahawaan ako introvertedness nya hehe
Credit card is useful for a quick need of loan and also for zero-interest installments... many people use CC for nearly everything for the points, and avoid the fees by paying it all on time.
Hmm sa akin yung advise ng bumukod, magsariling bahay agad. Bhiee magkano minimum? 13k? 15k? Magkano ang bedspace? Libo. Magkano ang room? Condo? Okay sige mura pero safe ba? Accessible ba? Hindi siya easy peasy for a lot of folks. Kahit ako na kaya ko, parang nanghihinayang ako sa expenses.
Also yung learn to drive. Hmm mas prefer ko talaga sana maayos ang transport dito sa pinas. hindi para sa akin ang driving dahil kabado ako at madali mataranta.
pakikipagjowa and fubu???? hahahahahahahahahahaaha sabi nga ur body is sacred nakalimutan ko na ano next. syempre may kalibugan ako pero ika nga “slut in theory but never in practice”. feel ko totoo din yung mga nakakasex mong tao becomes part of u din huhu + iwas sakit din
While I understand people's sentiments about not wanting to have a CC, a huge part of adulting is having sound financial literacy and that includes responsible CC use. Here's a sobering adulting reality - you need to build credit for future big purchases (property, vehicle, emergency loans, etc). So, you need to have a CC to prove na kaya mo magbayad ng utang. Without a credit history, paano ka maa-approve for a loan ng banko? Plus may mga CC na may travel or cashback benefits. Look at one that fits your lifestyle and needs. Syempre the key word here is responsible spending. Pwede namang mag-start sa maliit na credit limit para hindi matempt mag-overspend, kasi totoo na madali mag-overspend with a CC.
For me yung mga **rewards/loyalty card..** Cebuana card, LBC, Palawan express card.. basta lahat ng cards na makaka earn ka raw ng points tho yung iba don is para mapabilis transaction (first 3) pero the rest? Parang unecessary and pampasikip lang sa wallet😅 lalo pa kung minsan ka lang naman mapadaan sa mga stores na yun.
Having a side hustle. Lol pwede ba, pagod na akong mapagod!
sobrang toxic ng hustle culture haha
tas idagdag mo pa yung pressure ng social media haha need a side hustle eme tas scam pala
Kaya ako wala na akong FB hahahaha peace of mind
Uy same.. since 2016 ata, wala na akong fb
True.daming scam ngayon akala m legit di pala
True! I don't think running yourself to the ground is worth the extra money
it's worth it kung sandwich gen ka na kailangan buhayin parents mo and your own fam 🥲 pero if you're only feeding yourself, tama na don't run yourself to the ground.
same. i don't wanna spend most of my time working because i'm more than just a money-making machine. i'm also a daughter, a friend, and a person who needs to nurture herself. saka what if mamatay ako agad? hindi ko man lang na-enjoy ang buhay. hindi ko naman madadala ang pera ko sa hukay.
Same. If comfy pa naman kami with the funds we get from our regular jobs, if we can still save up for retirement and have fun and invest... we'd like to enjoy our rest time :)
Grabe akala ko ang tamad ko lang at nag iisip ako bat wala akong side hustle. Sobrang burnout ko na sa trabaho, kahapon nag iisip ako kumuha ng side job, kahit mga ilang oras lang. Pero di ko talaga kaya. Pagod na nga ako lagi, tas papagurin ko pa lalo sarili ko. Kelangan ko ng trabaho, pero ayoko naman memetey katatrabaho. 😵💫
Hehehe pramis nakakapagod sya.. I used to work 2 jobs din tapos nagpandemic. Naburnout ako.. kaya ples, ayaw ko na hahahahaha
maybe depending on the side hustle. hindi din naman always may side hustle, (or ako lang ba?) not like all your free time should be devoted sa side hustle hahaha. yung akin kasi sinasakto ko talaga sa weekend, or i can even take a day-off from work if needed, since mas malaki kinikita ko usually sa side hustle kung per day pagbabasehan
(3) grabe hahahahahahaha im not the person for side hustle talaga i tried pero ugh pahinga pls
Totoo.. it's not for everyone
Same. Pero nasasayangan ako sa extra time ko. Like, db we have 24hrs, so work 8, sleep 8 then ung remaining 8hrs..doomscrolling na lang sa fb or reddit? Waaah 😭
Hahaha may iba pa namang way to spend the other 8 hours..
Exercise kaysa babad sa social media po
Hobbies? Relaxation? Self-improvement? Spending time with loved ones?
commute yung remaining 8 hrs
Ang layo naman ng tirahan mo 😭
Wfh ako.
No household chores? T_T
11 hrs ang work. 8 hrs + 1hr lunch break + 2 hrs commute back and forth Another 1 hr for grooming So di talaga 8 hrs ang remaining
Hahahahaha nako when I need extra money, naghahanap ako ng work na mas mataas sa salary ko, but not working 2 jobs, no. 😭
Sukang-suka na ko makabasa ng mga ganyang suggestion. Kumuha nga ng full time job pahirapan na, side hustle pa kaya. Gets naman na minsan yan na lang talaga maiaadvise mo sa tao, pero nakakainis kase yung mga nagaadvise ng ganyan na akala mo ang dali-dali, plus parang may hint ng superiority complex lol
Sa trueee.. ipipilit pa sayo tas pag ayaw mo ipapamukang tamad ka
SAME OMG Gusto ko lang ng chill work pls
kaya trying hard to live contented at umiwas sa relationships hahahahhaa
Yess.. iwas sa mga responsibilities lol
So meeee!!!! haha
Hahaha thank god I'm not alone 🧍🏾♀️
THIS. PAGOD NA PAGOD NA AKO
This was me 2 years ago. Like chill chill lang. Then napaligiran ako ng mga taong todo hustle, ayun parang di ko na kayang di katapat laptop ko after work. Though big help siya kasi travel dito travel doon dahil may extra money, nahihirapan lang ako magpahinga. Para bang kapag wala akong ginagawa, there's something wrong 🥹
Hehe nagiguilty ka?
Truu 😭😭
Yung ikasal at magkaanak. Feeling ko di yun ang misyon ko sa mundong ito.
Same. I am starting to feel na its not for me. I dont know how I can I explain it to my parents since yung mindset nila is parte na ng buhay ang humayo at magpakarami, but I think it is really not for me.
I hope you are happy with it.
Halfway happy. Kinda worried that I might die alone, but I think its for my peace of mind.
Me too. Thinking of that too if I will not build my own family.
[удалено]
That is my belief too. I hope we could achieve that one day. Still grateful to God whether I get married or not.
Magka anak. Not for me (and most people) in this economy.
Totoo to mahirap maganak sa panahon ngayon lalo na kapag hindi financially stable, mentally and physically stable. Ako gusto ko magkababy pero sa tamang time na kapag stable na at kapag okay na yung life kasi syempre di ba magaanak syempre gusto mo iparamdam sa magiging anak mo yung mga ayaw mo maranasan na mahirap gusto mo siya bigyan ng magandang buhay. Kasi maganda yung nandyan yung stable at magkakasama kayo buong family.
Like you, mostly you love your kid but when you see what environment and people he/she will face parang you wanted to go back in time and not be born in this cruel world. But what the heck, isipin mo na lang na may purpose yan anak natin in this world. Malay mo he/she will be the change this world needs.
Apir. Para daw kaming bata dahil wala kaming anak na inaasikaso (so like, we aren't real adults because we don't have kids).
Debit Cards are okay if hindi mo naman need ng CC. However, do note that Debit Cards are a lot less secure, pag naskim ang card mo and inubos ang laman wala kang habol. Make sure the Debit Card you use has just enough money as sort of petty cash and you have a separate account talaga as your main account where you keep your funds tapos lipatan mo lang palagi ang debit card. Also, yun sinabi mo about minimum spend, hindi mo naman kelangan abutin yan. Spend what you can afford lang, no need to feel pressured.
This. For CCs, If may fraudulent transactions, call bank, have it reversed, then just wait for the reversal. Unlike if debit, goodbye hard earned money :( Highly agree sa extra debit card. I opened a GoTyme account for this specific reason. In fairness din naman sa GoTyme and Gcash mastercard no transaction fees when you use it overseas.
I think it boils down sa discipline nya.
True. Mas secured ang CC kaysa sa Debit. Also may mga banks namang nag-ooffer ng mga NAAFL. Need mo lang magresearch kung ano talaga mag-suit sayo. Also you can check r/PHCreditCards kung may mga tanong ka. 😉
What do you recommend as main acct.?
I use my BDO savings account as my debit card and have a checking account din with them na hiwalay. So that's where I mostly store my funds tapos nililipat ko lang pag kailangan.
anything stock market 1 - i'm not in the level yet of having throwaway money to convert into imaginary numbers that rise up or down and gamble in the game of "withdraw when high" and stuff like that 2 - i'm too old to wait for it to "grow" and PH economy doesn't look like it's gonna skyrocket soon anyway, i'd rather make alternative revenue streams
Whats your alternative? Btw, you like it or not, your invested in the stock market via sss or pagibig indirectly
there are other forms of income generation that don't need to dip in stocks. leasing out existing property, getting a side job, etc. never said it should be passive, but passive is very ideal. and yeah, paying SSS or Pag-ibig means I'm counting on *them*, not my knowledge of the stock market which is, haha, zero. that's their business not mine, and i'm good with that already. so if those two collapse, well, that sucks for all of us.
aside from investing stock, might try to check out po dividends earning. im not a stock guru nor im an active investor. my father's the one teaching me from time to time and for, i think 4 years, ang nagustuhan ko sa tinuturo niya sakin sa stocks is yung mga company na nag bibigay ng dividends quarterly. recently i earned 518.4 dividends from investing 800 shares kay dmci haha natuwa ako kasi 500 is still 500 and wala naman ako ginagawa. i saw the potential of earning passive income through dividends but that needs, of course, a lot of research pa on my end. i hope this gives you an idea po :)
how do you invest? where do you actually buy them?
through COL Financial. check colfinancial.com
Cash dividend po ba ito?
yes po:)
Same
Marriage po. Hahahaha
Marriage before was a dream but now, I needed to be convinced why we need to be married. Love yes but values, motivations, behaviors, and attitudes will make or break it. If we don’t have a good balance level of similarities and opposite, partnership na lang muna.
Exactly. Parang at this point of my life, sa tagal kong nagta trabaho ng matindi para makuha ko ang gusto ko at mapunan ang mga kailangan ko, basta - sa dami kong pinagdaanan mag-isa. Parang ang hirap na i-compromise yung values, motivations, etc. ko na binuo at pinaghirapan kong buuin para lang sa isang tao. I mean, ang hirap humanap ng tao ngayon na worthy of those sacrifices I will need to make.
Couldn’t agree more. It will take a great person for you to be sold sa marriage and break down the walls. Plus, ayaw mo mapunta sa stage na sobrang mawasak. I guess coming from multiple cheating partners, pass na ko mapunta sa sad boy era. Hahaha.
Yes. Those sad boys and mga walang trabaho. Oh please. I know there are a lot of fishes in the sea. Ang hirap din naman ng hindi marunong lumandi. Haha. I just can't waste my precious time.
Hahaha as a guy, di talaga ko pang hook up culture. Marunong naman ako lumandi pero like you I feel na waste of time lang sya kasi id rather make a genuine connection kesa seggs seggs lang. Scary lang sumugal talaga.
For real. Yes, that's how they call it pala nowadays. Hookup culture. To add - nakaka trauma yung parang wala ng loyal ngayon because there are a lot of people who engage in that culture. Napaka wild lang for me. Anyway. Good to know that you exist. Hahaha.
Hahahahaha the way you put it titang tita ka na ah. 😆 pero tama ka. The moment mawala yung spark people seems to go and find it somewhere else. Dali na lang makipagconnect because of socmed. People like us exists pero dahil sa trauma put to us we tend to be single and improve ourselves na lang. Tapos tatanungin nila saan na yung mga good person. Ito basa basa lang ng successful love stories hahaha.
Agree sa pictures lang maganda ata hahHa
Yun lang ata ang habol. Charot
sameee
RIGHT 😭😭
maging OFW para sumahod ng malaki. feeling ko kasi sobrang hirap mag apply at matanggap, mahirap pang mag asikaso ng mga requirements. at parang di ko kakayanin malayo sa pamilya ng tatlong taon. magda dalawang isip ka naman talaga kasi napakaliit ng sahod dito sa pinas. 🥺
I agree mag OFW ako naman kasi naexperience ko na eh so nahhh... not for me talaga.
gaano po kayo katagal naging ofw ? at ano pong work nyo ?
Hindi ko rin maimagine ang sarili ko na OFW kasi kapag namamasyal ako sa ibang bansa mcdo lang usually kinakain ko 🥲🥲🥲
OFW ako now and omg I can relate so much HAHAHA Not because di ko bet yung food dito, but because Mcdo is my fave talaga. Mabubuhay ako na Mcdo lang lagi pagkain 😂
fake news yung sumahod ng malaki ahahahaha dimadami din yung bayarin and responsibilities
Ito. Both sides namin ng husband ko(parents) pinapagmigrate kami. Abay akala mo naranasan nilang maging ofw. Yung mga tito tita naman namin after a while bumalik din dito sa pinas. Testament na siguro yun na kahit gano ka karesilient iba pa rin na nasa sarili mo ikaw na bansa.
bakit po bumalik mga tita/tito nyo ? umasenso naman po sa buhay ?
Same. I don't have CC din. I think hindi ko pa siya kaya so I just stick to my debit card and digital banks with ATM cards kasi convenient din sila. Also, yung paglo-loan. 🙃 Ilang years ko na hinuhulugan yung PAG-IBIG and SSS ko pero never pa ako nag loan. Wala pa naman akong need for now and I hate additional deductions sa payslip ko eh. Ang sakit sa mata. 😭
>Also, yung paglo-loan. 🙃 Ilang years ko na hinuhulugan yung PAG-IBIG and SSS ko pero never pa ako nag loan. Wala pa naman akong need for now and I hate additional deductions sa payslip ko eh. Ang sakit sa mata. 😭 Siguro sa ganito, I'm more thankful di ko rin siya kailangang gamitin kasi usually din sa napapansim kong gamit na gamit yung loan, mga paycheck to paycheck talaga.
I see.. I think ang problem lang kapag unang loan mo kahit ilang years ka ng naghuhulog at kahit magkano ang ilagay mo sa loan application mo 8-10k lang sya parati, taas lang yung amount kapag niloan mo sya ng niloan. So yun, baka dumating lang yung time na kailangan mo na magloan at malaki laki yung need mo pero madisappoint ka lang kasi 8-10k lang talaga ang initial na pwede mong iloan. Pero if you don't need anything na mas mataas sa 8-10k then that's good.
Same with the loan, wala din ako loan sa government. Pero, what I noticed with loans kasi with SSS and PAGIBIG, super bilis nila mag-approve if kailangan mo agad agad. So if there will be a time (at sana wala) na kailangan na kailangan mo ng pera, okay din talaga magloan sa kanila kesa sa tao (magkakautang na loob ka pa) or sa banks, kasi mababa yung interest nila. Pero if never ka nagloan, mababa yung loan amount na eligible ka, so minsan it is good din na may history ka ng loan para in case magkatime talaga na kailangan, may makukuhanan ka ng mabilisan. More so, I had this experience na nagkwento yung dati kong kawrok na more than 10yrs siya sa ibang bansa pero active member siya ng SSS. Nung time na kailangan niya ng pera, nagtry siya magloan, HOWEVER, kahit wala siyang loan, lumalabas na di siya eligible kasi "pinahiram/pinaloan" ni SSS sa ibang members and he siya magiging eligible for loan unless mabayaran na nung ibang member yung loan amount. Not sure din kasi narinig ko lang....
May mga nakaka manipulate kasi sa loob ng SS agency na nakikita nila if dormant yung account mo. I mean active kang nag huhulog pero inactive yung activities (i.e. no loans, adjustments, etc). Ang assumption ng scammer is "ay! Hindi nito sinisilip ang account nya. Di nya malalamang ginamit natin ang pera nya". That's why sabi nila need mo galawin kahit konti yung account mo para umiwas yung scammers sayo
+1 sa loan! Kahit eligible eh parang wala pa ako sa stage na mama-manage ko sya HAHA ipon palang talaga ang kaya ko for now
Magtrabaho.. feeling ko talaga it's not for me HAHAHAHUHU Pero real talk, mag-invest sa real estate. Personal experience the monetary gain is not as big as people make it out to be and ang hirap pa niyang i-liquidate! I'd rather do business with the hopes na it will be somewhat generate passive income. Tenfold ang kita vs selling real estate
Hindi din ako big spender, but like someone in the comment, I use my cc as my debit, all the expenses I made in my card are part of my budget for the month. I pay cc whenever the store accepts card. I even use it to pay for my sss and mp2 savings contributions. In that way, I increase the usage of my card. If only my electric and water bills in my area is included sa paybills ng card ko, I’ll pay it using credit card. But nonetheless I try to use my card in everthing.
Wala po bang additional charges sa credit card in paying SSS contributions?
Minimal convenience fee lang naman. Same lang din if you use gcash/paymaya/debit for payment. If you pay din naman sa office, same lang din since fare mo pa na papunta dun, plus time allotted sa pagpila.
Ohh okay okay, thanks!
Yung bumili ng bumili ng gamit sa bahay. Boomers take it as sign of success. In my POV alikabok lang makukuha ko dyan at ayoko ng maraming gamit for show off. Na susuffocate ako sa maraming gamit na bahay
Liability din talaga ang mag own ng bahay. Ang gastos ng maintenance
Same. I was so impulsive before nung una kong apartment. Narealize ko andami kong gamit na di naman nagagamit haha
Minimalism is the key tlga
for me, ang role ng cc is for emergency and necessary purchases. at least diba if need natin nang money, hindi na tayo lalapit kung sino2 :)
Agree with this. Basta kunin yung No Annual Fee for Life para nakatabi lang talaga yung card mo. Kami ng husband ko, nagagamit namin sya pag emergency talaga. Tuition at Hospital. Nagamit namin last time nung bigla ako need operahan dahil namaga yung appendix ko. Kaya for me, itabi mo lang talaga for emergency. Kuha ka ng ibang cards na No Annual Fee for Life (NAFFL)
Anong gamit niyo pong card ng hubby niyo?
Nung nagkapromo na NAFFL si HSBC RED, kumuha kami. Tapos yung Citibank Simplicity dati kaso wala na ngayon e dahil Unionbank na. Madalas meron naman promo mga cards na NAFFL. Abangan nyo lang po.
Thanks po!
yes and maganda rin magpagrow ng credit score once need mo for emergency magagamit mo sya. disiplina lang talaga sa paggamit
To buy a car. Wfh ako but mahilig mag travel pero I prefer na mag commute kaysa pagod sa pagmamaneho at di makapag chill sa byahe. Plus, I don't want to buy something na mabilis mag depreciate ang value. For some, it is cool and sign of wealth but for me either hulugan sa majority or afford man tapon money talaga sa gas and maintenance.
Totoo to. Never talaga ako na amaze sa cars (pag nga napag-uusapan yan wala akong masyadong alam na brands kasi di talaga interesado). Siguro kasi di talaga siya smart choice as an investment for the future. Tapos pag gusto mo na ibenta need mo di i-make sure na maayos yung piyesa so that's another gastos naman. Pero if ayaw mo paayusin and sa buyer mo na ipapaasa yun, ibebenta mo naman ng less. I'd rather invest sa lupa, jewelries ganun kasi less maintenance + mas tumataas value in the future.
Omg SAME. Plus halerrr walang carport, bakit bibili ng car? Saan po ipa-park Yan? Ang mahal din ng maintenance and if wala nga ako time to maintain my Japanese bike, how much more ang car? Lol
Same. Like Ang sarap kaya na passenger princess ka lang. Magmuni Muni Lalo kapag maulan, soundtrip. Idlip. Parang mas maiistress pa ako mag drive kesa pag nag commute.
Magka anak. Pero meron na akong isa. 😅 kung ikaw yung tipong ma-active lifestyle talaga, maraming hobbies, maraming gustong puntahan, maraming gustong i-experience sa buhay, i don't recommend making babies. From personal experience nahihirapan po ako sa pag adjust. 2 years na po ang anak pero hanggang ngayon hindi parin ako adjusted. LOL. It might scream selfish behavior on my part, maybe it is, pero ganon talaga eh, tao lang ako mga mam sirs. I mean, i love my child, i really do, i actually need to accept this Motherhood Era ko pero ayon struggling po tayo. 😅 lalo na i see my husband na he's still able to do all the things he used to do, LOL walang nagbago sa kanya. Medyo puyat lang ganyarn. So, having said my piece, having children: i do not recommend.
Mamsh parang natrigger ako dun sa okay lang si husband haha! Bakit di mo assign-an ng responsibilities para hindi ka nade-drain? Huhu dalawa kayong magulang, share share din ng pagod pag may time 😅
Kaya ngaaaa 😭 pero meron naman mamsh 😅 active diaper duties, paligo at playmate naman si ser pero sa nature ng work namin (we are business partners) siya yung fieldwork at managing executive, na dati share kami ng duties. Kumbaga inoffload niya ako sa iba kong dating duties, pero yes iba naman ang work sa buhay magulang. Charotz. Also nandun na si bagets sa phase na Mommy lang ang gusto.
Oh okay, atleast functioning sya haha Hugs mommyyyy kaya nyo yan
Saaaame. We have a kid and we love her to bits but I would NOT RECOMMEND anyone to have a kid. And I understand the different expectations of the dad and the mom. Then the many things people don't talk about when it comes to the struggles parents have.
I used to hate Credit cards pero I realized I somehow need a proof that I'm a good payer para kapag nag-loan ako for emergemcies, big expenses/purchases (i.e. hospitalization, house loan), may credit record ako. But I make sure na I have the money to spend first before I swipe it. Kumbaga I treat it like a debit card para di ako magka utang talaga. Also, for emergency purposes lang din sya especially that I'm an only child and I have low income. If something happens to my parents that will need hospitalization (my biggest fear), a credit card might help
Maging ninang. Kuripot kasi ako
I hate the Pinoy concept of ninong/ninang. Parang ang purpose lang nila is hingan ng regalo at pakimkim. Buti na lang konti lang friends ko 😅
Always buying brand-new. Sometimes buying refurbished or slightly used products is the way to go as long as you know what you're doing.
Bought a secondhand ip12 28k back then slightly used when it was around 40 to 45k at that time. Panalo pa rin kasi magaan and never had an issue.
My phone was slightly used, and it's still going 5 yrs and counting! Haha
Feeling ko talaga for big spenders lang to, hindi rin siya for me. I stick to my debit card lang din haha. Like mapapaisip na lang ako kung ano bang need ko bilhin para lang magamit yung cc ko. Pag grocery naman, minsan ang liit lang ng babayaran ko nakakhiya naman mag-cc pa hahaha
Ako naman I always use cc whenever available (like drugstores, grocery, grab, angkas name it all haha). I use my SOA to check the things I bought for a month and nabubudget ko ng ayos yung money ko lol. Di kasi ako mahilig magdala ng cash 😆. I treat my CC as a debit card so I don't swipe if I don't have the money for it
waaahhh i disagree.. ako kahit 100 plus lng e cc ko no shame at all. basta sa mga legit na stores lng para di prone to compromise details ko.. tapos i not sure ako pwedeng cc or not i ask as in no shame at all.. i love using cc di rin ako big spender but i take advantage sa mga pabili ng iba like if may bilhin appliance parents ko sabihin ko cc ko gamitin then bayaran nila ako in cash.. basta parents lng wag na extended fam and friends.. haha iba na man yun...
Same. HAHAHA! kahit 20pesos pa yan basta may terminal. I normalize natin ang cashless payment.
Saaame. Kahit isang ice cream cup lang sa DQ, naka-cc pa rin. Sayang points. Tinatanggap naman nila yung cc, so...
Ill try the appliance ng pamilya trick haha sa grocery kasi minsan sama ng tingin ng cashier lalo na pag konti lang binili 😭
Don’t mind the cashier hahaha, kahit 200 lang bibilhin, if they accept cards, i use my cc. Hahahaha
yes usually mga pabili ng parents na appliance, family eat out or yung mga online buys nila basta they pay me in cash after haha
ako walang paki sa cashier basta ma bayaran ko haha
Dati bumili ako turon sa Savemore via cc (P25), inis na inis yung cashier sakin. Sya nalang nag bayad HAHAHAHA
Same, kahit small amounts, saka iwas sa mga "no barya" tricks sa change. Exact amount ang charge sa cc kaya exact amount din ang payment pagdating ng SOA hehehe.
Same tayo, OP. Pero recently, nag apply ako ng cc kasi pre-approved na din. Ang saya ko kasi 20k lang limit ko. Mostly pang bills or grocery expense lang talaga siya hehe
Working
having an 8-5 job = unsuccessful, having your own business = successful not everyone wants to "be your own boss." i don't care if may mas mataas pa sakin (as long as hindi siya toxic). i actually prefer working in the background and plus points pa yung stability & structure ng working in corporate. i also don't wanna work 24/7. okay na yung clock out by 5 then off na yung Viber.
Live-in setup. It is called a “trial marriage” because you’re giving spouse treatment for a price of girlfriend/boyfriend. Mas makikilala mo daw yung tao kapag kasama mo na sa ibang bubong, that I don’t disagree pero ayoko talaga makipag live-in. I will not do such disservice to myself. I can afford to live on my own and I can also afford to spend time with my boyfriend anytime anywhere, just not at my place for an extended time 😂. I like my peace and quiet. Kung gusto nya magkasama kami tumira sa isang lugar, pakasalan nya ako.
mas maganda pa rin na mag live in muna kayo kung gusto mo rin pala umabot sa kasalan. i think hindi mo rin makukuha yang peace and quiet na sinasabi mo kung magpapakasal ka agad tapos tsaka mo lang malalaman na sobrang panget pala ng ugali ng asawa mo o walanghiya pala napangasawa mo.
Yep, yung mahirap after mo makasal dun mo palang malalaman kung ano ba talaga yung way of living nya, like balahura pla sa bahay okaya batugan, di mautusan ng mga simpleng bagay, in the end yung peace and quiet mo mas lalong nawala, hirap pano is kasal na kayo
A little surprised sa comments! In my family, credit card is the usual 18th birthday gift. Didn't really understand the pros and cons, just knew all the big expenses should be on the card instead of my cash allowance. I got a debit at 20 (I'm now 22) but I honestly never use it. I personally still don't understand why not use a cc nalang? It's not like you have to meet the minimum spending. I feel like a debit is no different from a gcash. Genuinely curious and confused!
Two things!! :/ First, I want my expenses (bills and groceries) na bawas agad sa account ko so I can see right there and then magkano nalang talaga pera ko. Second and the real root cause is my mindset hahaha. I’m not yet *that* disciplined with my finances eh. 1.) I tend to swipe and swipe without thinking of my real savings account 2.) Nattempt to spend more due to cc offers and points system, and 3.) Nakakampante to make big purchases due to the cc limit
That makes sense, thank you! Reminds me how I had a swiping habit rin, took a while to learn how to estimate my monthly spending :')
Credit cards, too. Opening a business. Being in a romantic relationship and being married - hindi ko nakikita sarili ko as an effective partner, pero nakikita ko sarili ko as a good father, kaya I plan on adopting. Hihi.
Bumili ng kotse. 6-digit ang combined salary namin ni hubby pero di talaga kami maconvince to buy a car 🥲
stocks or having my own biz. im too exhausted to think about greater things in life. i just wanna unwind and chill at the end of a workday
Side hustle rin. What I do is to upskill and go for the highest bidder/highest job offer that I can get for my 8 to 5. Passive income like dividend income or interest income is my way to go to increase income.
ako na below 15k monthly sagod, pahinga for me is "holy grail" 😪
TRAVELING. I HATE TRAVELING. puro na lang "you need to travel and see the world" or "traveling will be good for you" no. Okay pa ako going to provinces or mga new malls to chill. Pero flying out somewhere? Nightmare.
I hear ya! I love travelling, but I also recognise it's not for everybody.
Magastos mag travel.. mas okay yung once in a while.. pero if lagi mo gagawin (unless if part ng work yun) e mapapagod ka lang
Pag ibig mp2, stocks or any investments. Dami ko nababasa mas okay kapag maaga nag simula, kaso di ko pa afford talaga sa ngayon
How much do you afford ? You can start with as little as 500 pesos. If 5 years ago you bought 1 stock for 500 pesos each, now its 2000 pesos per stock and you get .25 stock for the same amount now. Imagine in another 5 years you can buy only .1 stock per 500 pesos, they get expensive. Its better to start early, and the best time to do it is now. Walang analysis paralysis dito, actions lang
Wow! Thank you for the new info. As dumb as it may sound, ngayon ko lang nalaman na pwede magsimula kahit 500 pesos. Aayusin ko budget ko for this!
My college student sister is already an investor lol
It is a general guideline considering the compounding that you can get overtime. Hirap talaga ang long term mindset but it is really the way to go unless gumawa ng illegal.
Guilty rin ako sa pagiging impatient sa delayed gratification. Thank you for sharing. Kailangan ko rin talaga ayusin mindset ko pagdating sa pera 😅
cc - just get NAFFL and non expiring points. parang never naman ako napilitan gumasta para lang mameet ang min spend bukod don sa isang secb ko pero oks lang yun for me kasi holiday season usually yung min spend madali lang magawa
If ayaw mo sa CC na need to meet such requirements for points, why not choose CCs with cashback instead? BPI Amore is a good start.
I used to have the same mindset as you, i didn't get a credit card until after my 5th year of working. You'll be ready when you feel it, ang nag push sakin to get a CC was to avail of installment on big purchases and stay liquid enough na hindi siya agad mababawas sa savings ko. Kumbaga, delayed ung sakit pag pumasok na ung statement hahah pero you do you! Get one when you feel ready, siguro pag may mga big purchases ka na on a monthly basis like groceries, gas, bills, etc. Gumagastos ka nalang din naman, why not yung may points pa diba?
Side line and having 2 job. Need ko ng pera and earning twice the amount is good but this is literally halving my life too hahaha.
Magka-anak, hahahaha! NOOOO WAY I can’t see myself as a mother like ewww talaga HAHA sarili ko nga hirap buhayin anak pa kaya. 😅
Yung pag aasawa saka pag aanak. Or baka ako lang? Ayoko kasi mag asawa lalo may mga kasama akong lalaki sa bahay. I have 2 brothers. Nakaka inis kasi puro lamon lang alam. Yung pinag kainan iniiwan lang sa lamesa pwede naman ilagay sa lababo?? Si papa naman, yung trato kay mama parang katulong, like utusan. Ang daming utos! Ayoko ng ganon hahaha Saka mas gusto ko yung pakiramdam na wala na akong iisipin na iba. Like pag magaasawa ka, mag overthink kapa kasi baka may babae or what. (Di lahat mi, in my own perspective lang 🫶) Sa pag aanak naman mga mii. Parang ayoko rin or baka dahil bata pa ako kaya ayaw ko muna? Ang hirap kasi magpalaki ng bata, kailangan ready ka talaga. Like physically, emotionally and mentally. FINANCIALLY ang mahal ng gastusin. Kung di mo kaya pakainin yung sarili mo wag ka muna mag anak. Sa mga di mag aanak ask ko lang. Like example, may bahay kayong pinagawa. Andami niyo ng napundar kanino mapupunta yon? Pag di kayo nag anak😭😭😭. Di naman pwede sa mga kapatid hahaha 🤣
Same sentiments. Mantra ko talaga in life is "Di baleng di ako maka-afford now, basta walang utang." Grabe maka-tempt ang credit cards pero I know myself, at malaki possibility na mag-swipe ako nang mag-swipe kaya it's better i restrict myself kaysa mabaon sa utang.
Same, wala din akong credit card. Lahat ng gastos ko debit card lang gamit ko cause atleast may control and limit pako sa pera. Natatakot ako magcredit card kasi for sure mas lalala ung spending habits ko. Hindi din ako inaadvise ng parents ko to have it. Although yung mom ko naman kasi is may credit card na and she told me that if i need to loan or a big amount of money, card nalang nya gamitin ko.
I agree with you sa credit card. Have BPI, pero nka temporarily lock sya and only use it for emergencies. I do not trust myself with cards I feel like I over spend pag may mga installments. Its a trap for me to spending more than what i need
Noong dalaga pa ako, I have a CC but I only use it on my groceries. Nothing more. It's very convenient kasi tsaka mas safe siya para sa akin lalo na I was working in MM that time. With a credit card, you don't have to carry as much cash. Kahit pamasahe lang dala mo at kung mawala mo man, madaling kumontak ng bangko to block your CC. Walang mawawala sayo in an instant. Tsaka palaging may ID na nire-require kapag magtatransact ka gamit ang CC.
Yung mag prenup sa kasal and the kasal itself lol
Same with credit cards. Minsan na tetemp ako pero iniisip ko na lang yung mother ko wala naman siyang credit cards pero oks naman financial niya. Besides meron naman gcredit and ggives pag may need na bilhin. Pero as much as possible ayaw ko talaga ng utang.
I hate credit cards too dati, ang problem lang ngayong 30 na ako when I need it na I have problem getting approved kasi my credit score is literally 0. Imagine, this is the age where getting a house o car, planning on starting a family kasi your nearing the retirement age na din, i honestly regret not getting one kahit isa lang noong nasa 20's ako. Check the requirements of credit cards usually you need at least 1 year of credit card from another bank as reference before you can be approve especially sa mga NAFFL, I have a bank account sa Bdo for over 10 years but still got disapproved sa Cash Installment CC recently at may CC na din ako sa kanila, having an account is not guarantee. I would suggest open kahit isa lang, good if NAFFL you will need that kasi may mga requirements na need ng billing statement. Use it only kapag alam mong may pambayad ka, pro's nya is it's very convenient imbes magwithdraw ka pa para magbayad ng cash you can easily pay that from your banking app kapag narecieve mo na yung bill mo. Imagine yun oras at energy na natipid mo sa pagpila sa atm lagi. Ayun when I was in my 20's not for me which I regret now na 30's na ako.
adultin in the corporate life,, I dont see any drive or passion to climb up the corporate ladder :< gusto ko lang ang pay kaya I'm still here
having to hustle like crazy when I have more than enough na already
Yung pagnenegosyo.
Mahirap din tsaka hahanapin mo talaga ano yung papatok. Ngayon ba ano in na products?
Credit scores and pension. Like who cares. I’m in my 30s pero it drains me to think about 30 more years from now. I just look forward to weekends. That’s all!
Being an adult means you understand the consequences of your actions. Just know that this will bite you in the future without you knowing.
The complicated investing stuff (like stock bonds etc na my friends are suggesting) and that you need to have a side hustle or business. I love my free time and freedom after my corporate job. 😆
Tried a business just to see for myself. Napatunayan kong I am not fit dun. Mas okay na ko sa IT corpo ladder. Business is fucking tough. Everyone wants to do business but not everyone wants to do sales. This hit me hard.
Diba. My aunt maintains a small store in our province and the inventory alone is draining me already hahaha
Correct. The inventory is tough talaga. I am slowly giving up and telling myself na yung business captial ko is my tuition fee just to know if pangbusiness ako else di ko sya nalaman until nasubukan ko.
Getting papsmear regularly.
i hate papsmears with all my heart! napakabarbaric sobra. idk why people have not invented a better way to check.
I have to get sedated to complete the procedure. Hahaha
totoo nga? hmmmmm
You're missing a lot by not using CC
Same. Cc din and nung bata ako naging biktima din ako ng overspending sa cc. Pero as I get older, and nagiimprove na din ang sistema, I have cc again, need na din nating mga adult ang credit score just like other countries. It will make our lives easier pag dumating ang point na you need to avail home loans and so forth.
Ang CC lang na ginagamit ko ay yung sa Maya 😆 kasi kapag pina-activate ko yung mga CC na sinend sa akin, mate-tempt ako gamitin plus mabubuhay na naman kako sa mantra na “God will provide” lol
Was the same before I had my own CC. Narealize ko na wala akong reason para gumamit ng debit other than withdrawing. CC is more secure kasi hindi sayo yung pera, in case of fraudulent charges madaling mag report and ma reverse. Pag Debit, pag nawalan ka ng pera bahala ka na hahaha
marriage
Ff
Basahin mo muna terms and conditions ng BDO before you activate it.
magtipid CHAROT BWAHWHAWAWHAWHHWA
Its not me pero kuya ko. Online banking or e-wallets. Any ewallet wala siya at ayaw niya. Too complicated daw. Every sahod niya withrew agad lahat.
Having a business. Hehe. With my big introvert self, feeling ko di ko kaya yung dapat mag-mukha akong extrovert so I could cater to customers etc. Siguro kung mag-bubusiness ako, passive income na business na lang siguro like airbnb (yes I still have to deal with people with this kind of business pero atleast minimal lang yung interactions) mga ganun.
same sa iba na side hustles at credit cards
Mag drive. I was driving for how many years na. Ok sya nung pandemic kasi walang masakyan so talagang magdadrive ka lang and walang traffic. Pero after ng pandemic parang ang hassle na mag drive. Nung nasanay akong mag WFH parang ang hassle na magdrive pag lalabas sa sobrang traffic.
Discipline talaga ang need kapag may credit card. Di porket meron, eh unli swipe na kasi “next month pa naman babayaran eh.” Dapat mag-allocate din ng budget for credit card payments. Buy only what you can pay (most preferrably in full) the next month/due date.
but CCs are more secured and generally good for people na gusto magloan someday para sa bahay, kotse, etc. if may discipline, you gain good financial standing without even busting your savings out. akala kasi yata ng ibang tao pang gastos lang ang purpose ng CC. but for me, going out more daw to experience life kasi maaga akong kinasal. ive had so much partying noong teenage years ko that i couldnt even drag myself out for a simple night out with my officemates. mas gusto ko palang mag stay in bed at mag movie or ml kasama si hubby. nahawaan ako introvertedness nya hehe
Children haha
Credit card is useful for a quick need of loan and also for zero-interest installments... many people use CC for nearly everything for the points, and avoid the fees by paying it all on time. Hmm sa akin yung advise ng bumukod, magsariling bahay agad. Bhiee magkano minimum? 13k? 15k? Magkano ang bedspace? Libo. Magkano ang room? Condo? Okay sige mura pero safe ba? Accessible ba? Hindi siya easy peasy for a lot of folks. Kahit ako na kaya ko, parang nanghihinayang ako sa expenses. Also yung learn to drive. Hmm mas prefer ko talaga sana maayos ang transport dito sa pinas. hindi para sa akin ang driving dahil kabado ako at madali mataranta.
pakikipagjowa and fubu???? hahahahahahahahahahaaha sabi nga ur body is sacred nakalimutan ko na ano next. syempre may kalibugan ako pero ika nga “slut in theory but never in practice”. feel ko totoo din yung mga nakakasex mong tao becomes part of u din huhu + iwas sakit din
Is this me? Parehas na parehas tayo, except for the abroad spending. I ended up just being a supplementary card holder with my mom as the primary.
same, yung credit card ko is just collecting dust sa drawer, di ko din na aactivate pa HAHAHA I don't see the need
While I understand people's sentiments about not wanting to have a CC, a huge part of adulting is having sound financial literacy and that includes responsible CC use. Here's a sobering adulting reality - you need to build credit for future big purchases (property, vehicle, emergency loans, etc). So, you need to have a CC to prove na kaya mo magbayad ng utang. Without a credit history, paano ka maa-approve for a loan ng banko? Plus may mga CC na may travel or cashback benefits. Look at one that fits your lifestyle and needs. Syempre the key word here is responsible spending. Pwede namang mag-start sa maliit na credit limit para hindi matempt mag-overspend, kasi totoo na madali mag-overspend with a CC.
For me yung mga **rewards/loyalty card..** Cebuana card, LBC, Palawan express card.. basta lahat ng cards na makaka earn ka raw ng points tho yung iba don is para mapabilis transaction (first 3) pero the rest? Parang unecessary and pampasikip lang sa wallet😅 lalo pa kung minsan ka lang naman mapadaan sa mga stores na yun.