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We take a look at twelve couples who have formed relationships like real life brothers. Meet our BasketBros!

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PROMO: Past Tense

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REVIEW: The Hunger Games: Mockingjay - Part 1

It feels forced and stretched. But hey, it's still Mockingjay. Check out our full review here!

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PHOTOS: Lady Spikers Win in Opening Tiff

The DLSU Lady Spikers opened their campaign with an impressive four-set win over the Adamson Lady Falcons, 25-23, 24-26, 25-14, 25-17.

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10 Things to Watch Out for in UAAP Volleyball

We list down 10 things to look forward to this season from the Miefer Fever to EJ Laure and Jaja Santiago's crucial role for their respective teams!

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PHOTOS: FEU Takes Care of UP in 3 Sets

The FEU Lady Tamaraws easily dispatched the UP Lady Maroons in a three-set victory, 25-14, 26-24, 25-20

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  1. #81
    My wife-when we're not married yet--used to tell me that I should have at least 4-6 months worth of my salary in my bank in case something happens. I never took this seriously kasi kahit naman nung minimum age earner ako at nung lumaki na ang sweldo ko, wala pa rin ako nase-save. Naging maluho ako nung naging ok ang work ko.

    Kasi ang problema ko nun, I had all my money in just one account. I did not separate my supposed savings from my salary. Ang ginagawa ko dati ay kung ano yung natira, yun ang savings. Tapos nagagastos ko rin kasi easy access sa ATM ko. Dapat kasi every sweldo ay automatic na may itinatabi na ako. This is something I will never touch... Tipong 25 to 30% every month. I started with that. Di ko talaga ginagalaw yung nakatagong pera. Tapos medyo tinaasan ko na yung tinagong pera as I went along.

    Then another guy I met told me that we have surplus spending. What we spend on food, gas/transpo, some clothes is just fine. Necessity yun. Surplus is what we spend on things we don't really need. The money I spent on coffee, tambay, gimik, motorcycle/car modifications... surplus. I cut down on these, unit-unti hanggang sa totally nawala na. I was surprised with the result. Ang laki pala ng ginagastos ko sa mga bagay na di naman importante.

    Sabi rin nya, to not feel the bump of saving, dapat we make it a point to pamper ourselves once in a while. A trip out of town, a day at the spa, a movie... yang mga yan, ok daw yan. Basta minsan lang, wag sobra-sobra, at hinding-hindi kukuha sa nakatagong pera.

    With the money I saved for not spending on suplus and the money I kept every payday, I was able to meet my objective. My buffer money na ako--na patuloy ko pa ring pinapalago. And combined with my wife's savings, we were able to pay the equity of a two storey house, pay the DP of a brand new car (well, I sold the old car for this, pero dinagdagan pa rin namin para umabot demand ng dealer), have a collection of old Japanese scooters, get married last year, get into photography, and pay the medical bills for our new born just a few weeks ago. All these in barely two years. It took us a year and a half to save for the house and the wedding. I said it was impossible. I've worked for 9 years, ni isang buwang sweldo, di ko naitago. It only worked when I took saving seriously.

    I guess my point here is, mapalaki o mapamaliit ang salary, if you won't plan ahead, walang kapupuntahan ang pera.
    Last edited by RetroManila; May 31, 2009 at 11:07 PM.

  2. #82
    ^ dapat talaga we know how to spend wisely... wag maging impulsive buyer... kapag nag-shoshopping nga ako, i make sure yung binibili ko, gagamitin ko talaga frequently and hindi yung after isa o dalawang gamitan lang nakatambak lang sa closet or garage...
    it's important to prioritize on our expenditures, mas madalas pa nga kung sino pa yung mas may malaking sweldo , sila pa may maraming utang... why? dahil habang lumalaki ang salary, tumataas ang purchasing power, kasunod nito mas dumadami ang gustong bilhin..kadalasan, nag-uugat ito sa childhood deprivation of material things...kung ano ang wala ka ng kabataan, pinupunan pag financially able na pagtanda...kaya ang ending, walang naiipon..

  3. #83
    Mataas lang ng konti sa minimum ang salary ko at 25 yrs. old na ko kaya ang ginagawa ko ay 50% ang sinesave ko. Dapat Income less savings = expense... Buti na lang dito pa ko nakatira sa parents ko at may business *** kaya libre lahat mula sabon, shampoo, food, toothpaste, etc....hehehe... Wala akong gimik, bisyo, gf o luho sa katawan pero masaya kc nakakaipon naman pang invest para sa future ng magiging family ko. Iniisip ko nga sa liit ng sahod ko pag nag gf ako alang matitira...hehe.. un ang pinaka malaking sacrifice ko ***** pero sa palagay ko magiging matatag naman pag nag-asawa na ko ng 30-33 yrs. old. Kahit gaano kaliit ang mga sahod natin wag na wag natin kalilimutan ang savings at pag-iinvest.

  4. #84
    It depends on the lifestyle you want. If you want ENOUGH, it can be stretched to cover that. If you want MIDDLE CLASS, it's almost impossible.

    I invest in BPO companies that are moving to homebased workers and I'm so happy to see people that are making minimum wage with their day jobs switching to online jobs where they make more and get time to spend with their families.

    For Pinoys with decent education, online work (data entry/BPO-assistance) maybe an option for the right balance between income and lifestyle.

  5. #85

    Cool OT: Work from home rocks!

    Quote Originally Posted by kuya_marz View Post
    It depends on the lifestyle you want. If you want ENOUGH, it can be stretched to cover that. If you want MIDDLE CLASS, it's almost hard.

    I invest in BPO companies that are moving to homebased workers and I'm so happy to see people that are making minimum wage with their day jobs switching to online jobs where they make more and get time to spend with their families.

    For Pinoys with decent education, online work (data entry/BPO-assistance) maybe an option for the right balance between income and lifestyle.
    A close friend here of Pinoy descent (he calls me "Tito") works for a company which maintains the Hotels Combined website. This company hires Pinoys to do some research online.

    I was able to convince my PI-based sister to take this home-based job because it not only pays more than her secretarial job but also because she'll be cutting down her travel expenses to ZILCH as she'll be working from home. What's really interesting is that she was able to work whilst here on vacation in Australia. Noone in her work team knew she was in Australia -- as far as they're concerned she was working and being productive.

    -Just_JT
    I.work.from.home.too.

  6. #86
    - wag mag credit card
    wala naman masama kung meron kang credit card...nasa disiplina na lang yan ng humahawak..

    bayaran ang utang bago mag due date para iwas interest...
    annual cc fee? madali lang yan dahil halos lahat ng transaction
    ko via cc, so nakakaipon ako ng points for annual fee
    minsan more than annual fee pa ang makukuha mo sa kanila...

    kung mangungutang..siguraduhin na may pangbayad..ganun lang ka simple


    unang sahod ko 5k/month...

    100pesos/day = gas (10 pesos/liter pa that time )
    20-25 pesos = lunch sa karinderia
    kuryente sa bahay = 500 (nakatira pa kasi ako sa parents ko )

    125x20 + 500 = 3,000/month

    remaing 2k/month for gimmick and car maintenance

    car =galing sa sariling pawis hindi bigay ng magulang, pinagipunan ko ng ilang taon..

  7. #87
    Member
    Join Date
    May 2006
    Location
    where sky is blue
    ayon nga sa kasabihan, "matutong mamaluktot kung maiksi ang kumot" or simply live within your means.

    merong iba na mas mababa pa sa daily wage rate pero nakaka-survive ang pamilya yung nga lang pang-kain lang. ang mapagpatuloy na paaralin ang kanilang mga anak ay isang malaking tanong pa.

  8. #88
    soundscapes blue_tracer's Avatar
    Join Date
    Apr 2006
    Location
    behind d waterfall
    a thousand pesos above minimum lang sahod ko sa 1st job ko at that time. mahirap.

    basta mag practice na lang ng lifestyle na proportional sa income mo.

  9. #89
    basta one rule: don't spend beyond your means.

    tsaka part ng 'expense' ko ang savings, kaya yung natitira lang, sweldo minus 50% savings, yun lang ang pagkakasyahin.

  10. #90
    iwasan ang mga kaibigan na gimikero.

  11. #91
    wag gumastos ng sobra...wag mangutang.....unahin kung ano ang kailangan...kung may gusto pagipunan...mahirap pagkasyahin lalo na sa probinsya...mahal ang mga bilihin dahil sa tubo....mahal ang ilaw at tubig...pamasahe...isa pang problema ang bahay dahil wala namang paupahan sa probinsya...kundi ka bibili ng bahay at lupa uupa ka ng lote...o kaya tumira sa magulang...tas transportasyon dahil walang masyadong kalsada maputik pag tag ulan,maalikabok pag tag araw...obligadong magtricycle....ang advantage sa probinsya:malayo ang mall...at mahal ang pamasahe kaya mas maliit ang tsansang gumastos...hehe saka pedeng magtanim kapag walang makain...hehe personal na experience...ng promdi...wahaha

  12. #92
    soundscapes blue_tracer's Avatar
    Join Date
    Apr 2006
    Location
    behind d waterfall
    depende na sa kamalayan yan ng isang tao.

    may kamaganak ako.. working na siya ngayon. kailan lang ito nag graduate (a year or two, may be). tsamba sa nakuha niyang work, above minimum na kaagad ang sahod niya ngayon.

    ang alam ko, madalas atakehin asthma yun. pero imbes na mag save para sa medication niya.. eh sa awa ng diyos, gusto na kumuha ng mackbook kasi mahilig yata magpunta sa mga cafes.

    sabagay, sahod niya yun at right naman niya yun.

  13. #93
    draw a thick line between NEEDS and WANTS.
    ipagpaliban muna ang wants.

    and if you are sulking kasi wala kang reward for yourself, you could naman for a minimal amount e, basta yun.

    needs muna bago wants.

  14. #94
    matanong ko lang po, magkano na ba ang minimum wage or minimum per day sweldo ngayon?

    OT..
    pakisama na rin pamasahe sa dyip and fx? magkano na rin flag down rate sa taxi? first few stations sa LRT/MRT? 2 pieces chickenjoy meal? watch ng movie sa SM? isang litro ng coke?
    thanks...

  15. #95
    Everywhere I am Trixie_282's Avatar
    Join Date
    Nov 2009
    Location
    There you will be
    Quote Originally Posted by JUST_JT View Post
    Mga kabayan,

    Kung binata/dalaga kayong naninirahan sa Maynila na kumikita lamang ng P7,000 a month, paano ninyo mapagkakasya ito?

    - Magkano ang pagkain para sa isang binata/dalaga?

    - Magkano ang bayad sa bedspace? Tiyak kong walang marerentang tahanan ang P7,000.

    - Magkano ang pasahe kung sasakay halimbawa ng MRT?

    - Magkano ang kadalasang lakwatsa/goodtime sa sumasahod ng minimum wage?

    Nais kong maipon ang P700 a month (10% ng kita) kaya P6,300 ang budget ko sa gastusin sa isang buwan.

    Salamat sa mga sagot,

    -Just_JT

    Fyi, ang Minimum Wage ngayon sa Manila ay P 382.00/ day or 9,932/month

    Pagkain - kung medyo matipid ka pag kasyahin mo na ang 100/day or 3,000/month

    Bedspace - believe it or not may makukuha ka pa na 2,500 all-in na yan (inclusive of utilities, pero don't expect na may privacy ka at maganda ang bahay, for sure pangit ito)

    Pamasahe - siguro mura na lang ito or walking distance na lang kasi kaya ka nga nag bed space para mapalapit sa work place mo. Lets say 1 ride lang ng jeep. P 14.00/day or 364/month

    Lakwatsa/Gimik (treat mo naman ang sarili mo) - P 1,000 / month

    Savings - more or less 10% = P 900.00


    Total Expenses: P 7,764

    Sa sukli na P 2,168= dyan mo pa kukunin ang personal needs mo, clothes, toiletries, pang-load, padala sa magulang sa province, gamot pag nag kasakit, etc...

  16. #96
    hi sa lahat..

    naranasan ko rin ang min. wage..mahirap pero kaya depende sa gustong lifestyle. madalas short kasi madalas ang gimik. and pag may gf ka lahat ng presyo nagiging double, from pamasahe to sine. hehe

    pero ngayon above average na. may tsikot pero di ko ginagamit kasi mas mahal pa kesa magcommute (52/day lang kse pamasahe ko). last year nagulat ako naka save ako 6 digits..siguro kase wala akong gf, may ka date pero kkb. haha.. gumigimik pero madalas house party lang para tipid. out of town every other month.

  17. #97

  18. #98
    Bellydancer. Surfer caffeine_kittie's Avatar
    Join Date
    Jun 2007
    Location
    Baler, Aurora
    ^ tama. sa tingin ko naman basta hindi ka maluho and basic needs mo lang talaga ipa-prioritize mo, kaya naman siguro yung minimum na wage para mamuhay ka ng tama lang.

  19. #99
    Establish a personal budget. Create your budget. Yup, nakakatawa pero ginagawa ko yan in my own little notebook so I can instantly see my incomings and outgoings. Lalo na at mag-isa lang ako dito and my immediate family is in the Philippines. Kaya naman, I really have to take care of myself alone in terms of financial well-being.


    Savings Account. Important yan lalo na pag nasa ibang bansa ka. If there's one certainty in life, it's that unexpected things can happen at any time. Whether it's a natural disaster, an unplanned illness, the loss of a job, or a bad investment, the financial repercussions of an emergency situation can be debilitating if you aren't properly prepared. A well established savings account can help prevent a financial crisis when these situations arise.


    Limit your gimmicks para less gastos.


    Don't make purchases you can't afford to pay. Be responsible when using your credit card. Pag gusto mo na mag lakad-lakad sa mall at medyo malayo pa ang sweldo or may pag lalaanan ka na sa next sweldo mo, iwan mo sa bahay ang credit card.


    Keep and love your job. Wag ka mag reresign or mag papa terminate hanggat di ka pa makakahanap ng bagong ipapalit na job.


    Wag "takaw-tingin" sa mga new gadgets...isipin mo nalang na kakayanin mo rin bumili niyan in the future. In short, prioritize your spendings.


    Then again, it's easier said than done.

  20. #100
    medyo off-topic;
    bakit ako nung nasa pinas pa ako kahit na hindi maliit ang sueldo ko (25k-30k PhP per month, kasama na OT at allowances), nagagawa kong pagkasyahin ang 150-200PhP sa isang araw, last year lang yun. so bale ang gastos ko lang 4500-6000 sa isang buwan. kwentahin ko ha?

    jeep and bus from Manila to Makati (40, back and forth)
    lunch sa jollijeep (45 pesos)
    merienda (25 pesos)
    dinner sa carinderia (35 pesos)
    -------------------------------
    135 pesos lang yan, lumalaki lang siya kapag bibili ng gamit sa bahay, cellphone load, etc.

    sa lagay na iyan nakakapagpadala pa ako ng 15k-20k sa parents ko every month. sabi nga nila nasa pagubbudget din. hindi kasi ako mahilig sa gadgets. yung mga adidas kong damit sa Adidas factory outlet sa tutuban ko binibili. minsan bumibili rin ako sa greenhills. manonood lang ako ng sine once a month, then minsan nagluluto sa bahay (sharing sa mga kasama sa boarding house).

    Kahit ngayong nasa abroad na, yung buong basic pay ko naipapadala ko sa pinas pero nakakain ko dito kung ano yung gusto ko, minsan nagluluto ako nabibigyan ko pa mga kabayan na flatmates ko. ang ginagamit kong panggastos is yung mga allowances at overtime pay. sa mga allowances at ovetime na iyan nakabili na ako ng 2 laptops (para sa mga kapatid ko) yung notebook na gagamitin ko is yung company provided na lang.

    nagtataka ang mga kasama ko kung bakit andami kong nabibili at naipapadala sa pinas. eto sabi ko:

    1.sila kapag weekend kung saan-saan sila pumupuntang resto, samantalang ako nagluluto sa bahay (mas masarap pa yung niluluto kong Tom Yum Soup at Pad Thai kesa sa Thai Resto na kinakainan nila). mas ayos pa yung nagluluto kasi may nabibigyan ka pa. pumupunta lang ako s mga mamahaling resto every payday.

    2.Then kapag grocery nila, pinoy foods ang binibili (siyempre mahal yun kasi imported from pinas), eh marami naman local products na mura at same quality lang.

    3. kapag umaalis, ayaw nilang gumising ng maaga tapos siyempre magtataxi sila papuntang office kasi malelate sila. eh ako gumigising ako half an hour earlier para maabutan yung bus. 400 SR din ang natitipid ko every month (5000 pesos pesos). sayang diba?

    4. kaysa sa maubos ang cellphone load ko sa kakatawag sa pinas, Skype at YM na lang ang gamit ko, tapos Chikka naman pag SMS.

    5. kaysa sa bumili ng mga bagong gamit sa bahay, naghahanap ako ng mga kakilala na uuwi na ng pinas, o ililipat ng destino, so yung mga appliances/furnitures niya sa bahay, ibebenta ng mas mura minsan nga libre pa. last appliance na nabili ko is slightly used na washing machine with spin dryer, 100SR lang (1200 pesos), pero ang presyo niya talaga is 800SR (10,000 pesos). isang gold necklace na rin ang mabibili mo sa natipid mo.

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