What salary do you need to live independently and start a family?

***batang uliran*** · Jan 25, 2000, 08:24 AM

One problem in Philippine society is that it is difficult to live completely independent of one's parents even after graduation. What kind of job/salary does one need to live independent of his/her parents and get married and start a family?

***KuyaDanny*** · Jan 25, 2000, 09:04 PM

Hmmm...magandang tanong yan, bossing.

Ating pag-isipan. Ipagpalagay na muna natin na bagong-kasal pero wala pang mga tsikiting. In ader werds, mag-labing-labing lang muna...

Ang gagastahin?

Bahay, inuupahan P7000
Pamasahe (siguro P100/day) 2000
Pagkain sa trabaho 2000
Pagkain sa bahay 2000
Kuryente, gasul 2000
Mga gimik pag weekend 2000
Damit 1500
Gamot (yung hindi bawal) 500
Katulong/labandera 1200
Telephone (cell-prepaid) 500

Total P20700

Aray ko po! Kailangan talaga dalawa kayong maghahanapbuhay.

***nix*** · Jan 25, 2000, 09:16 PM

Those numbers will skyrocket when you factor in other expenses like health and auto insurance, car loan payments, real property tax, tuition of your kid (or educational plan if baby pa), food for helper, water, homeowner's fees, cable connection, internet connection, landlines, other luxuries, etc... etc ...

I would say, to live comfortably, you would need a combined household income of, say, 50,000 pesos per month. But that's comfortably.

Ira · Jan 25, 2000, 11:51 PM

I think a minimum of PhP70,000 per month would be needed to live comfortably and bring up a kid. The tuition fees (even in preschool!) today are really sky-high (according to a friend who sends 3 kids to preschool, it's PhP25,000 a sem at least). You can hardly get a decent townhouse or condominium unit for less than PhP12,000/month either. And of course, like Nix said, there are the loans, insurance, etc. While PhP50,000 would be okay for a married couple, I don't think it's enough when you factor in children, if we're talking about living comfortably.

lupuS · Jun 9, 2000, 09:37 PM

Reviving this topic.

FarOutFreak · Jun 11, 2000, 12:32 AM

Quote:

Originally posted by GuapaAko:
ang sarap ng buhay sa probinsya. but you people there in the big city always look down at us.
we only have a combined income of P35,000 and yet, we are sending our 3 kids to a school with airconditioned classrooms, have internet access(unlimited) at home,cellphones for daughter,mine and hubby, spend weekends at the beach or go swimming at 4 star hotels here.eat out at restaurants(air con ones ha!) for lunch or dinner. got 5 bedroom new house with great view of the ocean.aircon rooms. 4 heplers.complete appliances.. we spend 3 to 10mins travel to our workplace from home.sarap pa ng hanging dito. hindi polluted.so, never look down at people from the provinces.. we are enjoying life more than you city guys...

Careful what you say. Telling that to us city folk might just make us migrate there.

Saan nga ba yan, at pag may trabaho na ako'y dyan na ako titira?

GuapaAko · Jun 11, 2000, 10:48 AM

ang sarap ng buhay sa probinsya. but you people there in the big city always look down at us.
we only have a combined income of P35,000 and yet, we are sending our 3 kids to a school with airconditioned classrooms, have internet access(unlimited) at home,cellphones for daughter,mine and hubby, spend weekends at the beach or go swimming at 4 star hotels here.eat out at restaurants(air con ones ha!) for lunch or dinner. got 5 bedroom new house with great view of the ocean.aircon rooms. 4 heplers.complete appliances.. we spend 3 to 10mins travel to our workplace from home.sarap pa ng hanging dito. hindi polluted.so, never look down at people from the provinces.. we are enjoying life more than you city guys...

Ice Burn · Jun 11, 2000, 11:07 AM

Whoopee! It show's I got a long way off before I get close to those figures...Maybe I should move to the province.

green grin · Jun 12, 2000, 02:18 PM

kuyadanny - any revisions to your jan. 25 post?

***KuyaDanny*** · Jun 12, 2000, 03:53 PM

Pamasahe +250
Kuryente/gasul +250
Katulong/labandera +300

New total P21500

Please note that I am putting down minimum figures, ie, expenses which will keep husband and wife healthy, sane, and free from harm so that they can continue working to improve their lives.

My figures are obviously on the low side and most members here will probably say the numbers are inadequate for their own lifestyles. I'm sure that's true. But what I am trying to illustrate is what is possible not necessarily what is desirable.

hansel · Jun 12, 2000, 04:08 PM

Quote:

Originally posted by GuapaAko:
ang sarap ng buhay sa probinsya. but you people there in the big city always look down at us.
we only have a combined income of P35,000 and yet, we are sending our 3 kids to a school with airconditioned classrooms, have internet access(unlimited) at home,cellphones for daughter,mine and hubby, spend weekends at the beach or go swimming at 4 star hotels here.eat out at restaurants(air con ones ha!) for lunch or dinner. got 5 bedroom new house with great view of the ocean.aircon rooms. 4 heplers.complete appliances.. we spend 3 to 10mins travel to our workplace from home.sarap pa ng hanging dito. hindi polluted.so, never look down at people from the provinces.. we are enjoying life more than you city guys...

gwapaako : i dont know a lot of manila people who look down on probinsyanas but i do know a lot of probinsyanas who think that manila ppl look down on them. iniisip niyo lang yan.

totoo ba yan? baka naman mayaman na kayo to start with or marami na kayong savings. i dont think cellphones, net access, or a 5 bedroom house are a lot, if at all, cheaper in the provinces than in manila. kung totoo man yan, tell us naman where you are from para tabihan ka namin dyan. hehe..

***tsadi*** · Jun 12, 2000, 06:13 PM

hansel, for a combined income of 35K sa province ? yes, tutuo yan, even in major VisMin cities like Cebu, Davao, Bacolod, Dumaguete and Cagayan de Oro.

***tsadi*** · Jun 12, 2000, 06:21 PM

GuapaAko, im a "true blue Cebuano" working in Manila, and I havent actually met anyone here who looks down on "us" yet ... i guess its because i work in an office packed with very intelligent and open minded ppl

...
what you said will probably be true in the "palengke's" however

brownpau · Jun 13, 2000, 01:04 PM

I live by myself -- unmarried -- in a cheap flat with roommates. I get by on about P12,000 a month, but I don't make gimik, I don't have a TV or cable, I don't have a car (buses and jeepneys for me!), and what's left of my salary above that P12T automatically goes to my savings.

Whew, the financing in this country sucks.

***tsadi*** · Jun 30, 2000, 02:00 PM

going up again!

*Tin-Tin* · Jun 30, 2000, 03:24 PM

I guess, it really all depends on the kind of lifestyle that you wanna live. If you have simple needs and simple wants, then, it's ridiculous to expect a real high salary from your job just to get by. But.... if the kind of life that you want is full of luxury, then... you really should aim for a skyrocket salary! I would suggest that you live according to what you can afford, not the other way around.

denslim · Jul 1, 2000, 02:17 AM

i agree that life in the province is way way way way cheaper than life in manila. i got to experience living in iloilo for a year and noticed a lot of differences considering i've lived in manila all my life... except for that one year.

house rent... whereas here its like 7,000 and up, a good sized house(not apartment room a house with garage) good for a family with 4 kids costs only 3,000 to 3,500 in bulacan nga my friends renting out a newly constructed apartment house and they can't rent it out at 4,000 even if its new

transpo... iloilo's small... i mean the city... wala pang FX roon... jeepney rides mostly cost 3... eh malapit lang lahat eh hehe

food... much much cheaper... for instance there's a Jo's chicken Inato restaurant there.. the chicken meal costs 40 here its 59 the bars there are cheap too.. yung mga canned drinks 15.. rito 20-35 and more! even the sbarro in iloilo is cheaper than sbarro here... daming resto ang mumura pag balik ko rito parang lahat mahal na talaga... a meal that costs 100 plus here roon 50-60 lang..

schools are also cheaper... way cheaper... parang public schools na nga eh... eh pano yung ibang students nag papa "forge" nang mga school receipts... medical school 6,000 a sem. duh... and its easier to get Local Goverment scholarships in the province...

gimiks... hay nako.. susmaryosep.. para sa marami roon sa iloilo basta wala nang araw.. gabi na..! hehehe... dito pag wala nang araw tsaka lang lumalabas... in effect konti lang ang mapupuntahan roon... movies there 35-40 sa lodge.. rito 50 coffee roon 35 lang marami rami pa.. dito starbusks sus maryosep...ginto ang kape

tubig and elec almost the same medyo mas mahal pa nga roon.. ang tubig ko roon sus ako lang magisa 160 pesos rito sa maynila 3 kami sa bahay 86... nagreklamo pa si ermats dahil before 50 lang.. duh...

and iloilo is near boracay na... aba eh rito hirap pumunta boracay.. sa iloilo 6 hour bus ride and boaat ride ayun nandun na hehehe.. sosi.. hehehe..

but then i guess the reason why things are cheaper in the provinces is because labor cost is also cheap... rent is cheap too... but then kaya lang mas nakakaipon ang tao sa provinces is because there really aren't too many places to go to... wala ring masyadong mabibili... unlike in manila bili eto bila yan...

christine · Jul 3, 2000, 09:38 AM

Comfortable living...

Apartment 12,000.00
Car Loan Payment #1 12,500.00
Car Loan Payment #2 14,000.00
Insurance (2 cars) 2,000.00
Gas 3,000.00
Health Insurance 1,000.00
Electric Bill 2,000.00
Water Bill 500.00
PLDT 300.00
Celfones (each) 2,000.00
Over-All maid 2,000.00
Food Work 2,000.00
Food Home 2,000.00
Internet (hehehe...) 2,000.00
Cable TV 300.00
Groceries 3,000.00
Gimmicks 2,000.00
Clothing/other personal stuff 3,000.00
Vitamins/other medications 500.00
Misc. 2,000.00

TOTAL PHP 68,100.00 ---->; ARAY!!!

to think, you have to save for when you decide to have a baby, emergencies and education!!!

grabe...

planetary · Jul 3, 2000, 10:38 AM

How much money do you need to start a family? I think you'll never have enough money at any given time. Your lifestyle adjusts to how much money you have. If need be, you can live on your own with as little as P20,000. You'll just have to make sacrifices. Conversely, even if you have a P100,000 a month salary, I'm sure you'll also adjust your lifestyle accordingly. maybe you'd eat out more, or buy more expensive clothes.

As for living in the province, it's really a tempting prospect. I've always thought of living in Bacolod. It's urbanized yet not. And I know I can live there very comforatbly with a small salary. Then again, in our company, being assigned to the province unofrtunately means you don't get seen by upper management more and in effect, your chances of getting promoted fast grows slimmer.

clawed_out · Jul 3, 2000, 02:45 PM

i say 12 Php is enough for me to live as a young FREE & SINGLE man.

save the half for future use then, about 4k for apt rental (not a very good apt but liveable)...2k more for miscellaneous, you've got to be creative, resourceful to live in manila!) but IM NOT! kaya wala ako sa manila.


Jan 25, 2000, 08:24 AM	#1
*batang uliran* Administrator Join Date: Jul 1999 Location: Lawrenceville,	One problem in Philippine society is that it is difficult to live completely independent of one's parents even after graduation. What kind of job/salary does one need to live independent of his/her parents and get married and start a family?


Jan 25, 2000, 09:04 PM	#2
*KuyaDanny* Moderator Join Date: Jan 2000 Location: Makati	Hmmm...magandang tanong yan, bossing. Ating pag-isipan. Ipagpalagay na muna natin na bagong-kasal pero wala pang mga tsikiting. In ader werds, mag-labing-labing lang muna... Ang gagastahin? Bahay, inuupahan P7000 Pamasahe (siguro P100/day) 2000 Pagkain sa trabaho 2000 Pagkain sa bahay 2000 Kuryente, gasul 2000 Mga gimik pag weekend 2000 Damit 1500 Gamot (yung hindi bawal) 500 Katulong/labandera 1200 Telephone (cell-prepaid) 500 Total P20700 Aray ko po! Kailangan talaga dalawa kayong maghahanapbuhay.


Jan 25, 2000, 09:16 PM	#3
*nix* Administrator Join Date: Jul 1999 Location: Metro_Manila	Those numbers will skyrocket when you factor in other expenses like health and auto insurance, car loan payments, real property tax, tuition of your kid (or educational plan if baby pa), food for helper, water, homeowner's fees, cable connection, internet connection, landlines, other luxuries, etc... etc ... I would say, to live comfortably, you would need a combined household income of, say, 50,000 pesos per month. But that's comfortably.


Jan 25, 2000, 11:51 PM	#4
Ira Member Join Date: Oct 1999	I think a minimum of PhP70,000 per month would be needed to live comfortably and bring up a kid. The tuition fees (even in preschool!) today are really sky-high (according to a friend who sends 3 kids to preschool, it's PhP25,000 a sem at least). You can hardly get a decent townhouse or condominium unit for less than PhP12,000/month either. And of course, like Nix said, there are the loans, insurance, etc. While PhP50,000 would be okay for a married couple, I don't think it's enough when you factor in children, if we're talking about living comfortably.


Jun 9, 2000, 09:37 PM	#5
lupuS Mabuhay ang mga... Join Date: Mar 2000 Location: Mandaluyong	Reviving this topic.


Jun 11, 2000, 10:48 AM	#7
GuapaAko Member Join Date: May 2000	ang sarap ng buhay sa probinsya. but you people there in the big city always look down at us. we only have a combined income of P35,000 and yet, we are sending our 3 kids to a school with airconditioned classrooms, have internet access(unlimited) at home,cellphones for daughter,mine and hubby, spend weekends at the beach or go swimming at 4 star hotels here.eat out at restaurants(air con ones ha!) for lunch or dinner. got 5 bedroom new house with great view of the ocean.aircon rooms. 4 heplers.complete appliances.. we spend 3 to 10mins travel to our workplace from home.sarap pa ng hanging dito. hindi polluted.so, never look down at people from the provinces.. we are enjoying life more than you city guys...


Jun 11, 2000, 11:07 AM	#8
Ice Burn Conflicting Karma Join Date: Dec 1999 Location: Rimakyr	Whoopee! It show's I got a long way off before I get close to those figures...Maybe I should move to the province.


Jun 12, 2000, 02:18 PM	#9
green grin Member Join Date: Aug 1999 Location: Metro_Manila	kuyadanny - any revisions to your jan. 25 post?


Jun 12, 2000, 03:53 PM	#10
*KuyaDanny* Moderator Join Date: Jan 2000 Location: Makati	Pamasahe +250 Kuryente/gasul +250 Katulong/labandera +300 New total P21500 Please note that I am putting down minimum figures, ie, expenses which will keep husband and wife healthy, sane, and free from harm so that they can continue working to improve their lives. My figures are obviously on the low side and most members here will probably say the numbers are inadequate for their own lifestyles. I'm sure that's true. But what I am trying to illustrate is what is possible not necessarily what is desirable.


Jun 12, 2000, 06:13 PM	#12
*tsadi* Administrator Join Date: Jan 2000	hansel, for a combined income of 35K sa province ? yes, tutuo yan, even in major VisMin cities like Cebu, Davao, Bacolod, Dumaguete and Cagayan de Oro.


Jun 12, 2000, 06:21 PM	#13
*tsadi* Administrator Join Date: Jan 2000	GuapaAko, im a "true blue Cebuano" working in Manila, and I havent actually met anyone here who looks down on "us" yet ... i guess its because i work in an office packed with very intelligent and open minded ppl ... what you said will probably be true in the "palengke's" however


Jun 13, 2000, 01:04 PM	#14
brownpau Member Join Date: Sep 1999 Location: Washington, DC	I live by myself -- unmarried -- in a cheap flat with roommates. I get by on about P12,000 a month, but I don't make gimik, I don't have a TV or cable, I don't have a car (buses and jeepneys for me!), and what's left of my salary above that P12T automatically goes to my savings. Whew, the financing in this country sucks.


Jun 30, 2000, 02:00 PM	#15
*tsadi* Administrator Join Date: Jan 2000	going up again!


Jun 30, 2000, 03:24 PM	#16
Tin-Tin Member Join Date: Jun 2000	I guess, it really all depends on the kind of lifestyle that you wanna live. If you have simple needs and simple wants, then, it's ridiculous to expect a real high salary from your job just to get by. But.... if the kind of life that you want is full of luxury, then... you really should aim for a skyrocket salary! I would suggest that you live according to what you can afford, not the other way around.


Jul 1, 2000, 02:17 AM	#17
denslim Member Join Date: Jun 2000	i agree that life in the province is way way way way cheaper than life in manila. i got to experience living in iloilo for a year and noticed a lot of differences considering i've lived in manila all my life... except for that one year. house rent... whereas here its like 7,000 and up, a good sized house(not apartment room a house with garage) good for a family with 4 kids costs only 3,000 to 3,500 in bulacan nga my friends renting out a newly constructed apartment house and they can't rent it out at 4,000 even if its new transpo... iloilo's small... i mean the city... wala pang FX roon... jeepney rides mostly cost 3... eh malapit lang lahat eh hehe food... much much cheaper... for instance there's a Jo's chicken Inato restaurant there.. the chicken meal costs 40 here its 59 the bars there are cheap too.. yung mga canned drinks 15.. rito 20-35 and more! even the sbarro in iloilo is cheaper than sbarro here... daming resto ang mumura pag balik ko rito parang lahat mahal na talaga... a meal that costs 100 plus here roon 50-60 lang.. schools are also cheaper... way cheaper... parang public schools na nga eh... eh pano yung ibang students nag papa "forge" nang mga school receipts... medical school 6,000 a sem. duh... and its easier to get Local Goverment scholarships in the province... gimiks... hay nako.. susmaryosep.. para sa marami roon sa iloilo basta wala nang araw.. gabi na..! hehehe... dito pag wala nang araw tsaka lang lumalabas... in effect konti lang ang mapupuntahan roon... movies there 35-40 sa lodge.. rito 50 coffee roon 35 lang marami rami pa.. dito starbusks sus maryosep...ginto ang kape tubig and elec almost the same medyo mas mahal pa nga roon.. ang tubig ko roon sus ako lang magisa 160 pesos rito sa maynila 3 kami sa bahay 86... nagreklamo pa si ermats dahil before 50 lang.. duh... and iloilo is near boracay na... aba eh rito hirap pumunta boracay.. sa iloilo 6 hour bus ride and boaat ride ayun nandun na hehehe.. sosi.. hehehe.. but then i guess the reason why things are cheaper in the provinces is because labor cost is also cheap... rent is cheap too... but then kaya lang mas nakakaipon ang tao sa provinces is because there really aren't too many places to go to... wala ring masyadong mabibili... unlike in manila bili eto bila yan...


Jul 3, 2000, 09:38 AM	#18
christine Member Join Date: Jun 2000	Comfortable living... Apartment 12,000.00 Car Loan Payment #1 12,500.00 Car Loan Payment #2 14,000.00 Insurance (2 cars) 2,000.00 Gas 3,000.00 Health Insurance 1,000.00 Electric Bill 2,000.00 Water Bill 500.00 PLDT 300.00 Celfones (each) 2,000.00 Over-All maid 2,000.00 Food Work 2,000.00 Food Home 2,000.00 Internet (hehehe...) 2,000.00 Cable TV 300.00 Groceries 3,000.00 Gimmicks 2,000.00 Clothing/other personal stuff 3,000.00 Vitamins/other medications 500.00 Misc. 2,000.00 TOTAL PHP 68,100.00 ---->; ARAY!!! to think, you have to save for when you decide to have a baby, emergencies and education!!! grabe...


Jul 3, 2000, 10:38 AM	#19
planetary Member Join Date: Sep 1999 Location: Las Pinas	How much money do you need to start a family? I think you'll never have enough money at any given time. Your lifestyle adjusts to how much money you have. If need be, you can live on your own with as little as P20,000. You'll just have to make sacrifices. Conversely, even if you have a P100,000 a month salary, I'm sure you'll also adjust your lifestyle accordingly. maybe you'd eat out more, or buy more expensive clothes. As for living in the province, it's really a tempting prospect. I've always thought of living in Bacolod. It's urbanized yet not. And I know I can live there very comforatbly with a small salary. Then again, in our company, being assigned to the province unofrtunately means you don't get seen by upper management more and in effect, your chances of getting promoted fast grows slimmer.


Jul 3, 2000, 02:45 PM	#20
clawed_out HATERade keeps you hating Join Date: Aug 1999 Location: in your head	i say 12 Php is enough for me to live as a young FREE & SINGLE man. save the half for future use then, about 4k for apt rental (not a very good apt but liveable)...2k more for miscellaneous, you've got to be creative, resourceful to live in manila!) but IM NOT! kaya wala ako sa manila.