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  1. #1

    30years old sahod is 27k

    Im already 30yrs old. Walang savings. Walang lupa. Walang bahay. Paano ba ako makakasave kung halos lahat ng sweldo ay nappunta lang sa utang, upa, kuryente. Parang ang tanda ko na at 10yrs ago sabi ko sa sarili ko makakabili din ako ng bahay. Pero ang hirap pala ng buhay. Kayo guys, kumusta ang buhay?

  2. #2
    I only believe in God.
    Join Date
    Jun 2011
    Location
    in limbo
    tsk..tsk..sana nag-housing loan ka na lang sa Pag-ibig imbes na mangupahan...

  3. #3
    ♥~i .... u~♥ prEttyInDistr3ss's Avatar
    Join Date
    Nov 2010
    Location
    i ♥ Shanghai
    myname, what is your course and what are you currently doing? are you a call center agent?

    You may want to try to save at least 50k pesos and try mo mag tour sa Singapore and see if may call center job ka makukuha dun in 2 weeks time. May agency dun called OPTIMUM, dun nakuha mga friends ko their job as a call center agent in SG.

    27k/month... parang tax ko lang yan ah...maliit nga yan... tsk..tsk..

  4. #4
    Kiss me and I'll be Bigot3AtBalbas's Avatar
    Join Date
    Jan 2011
    Location
    yours forever
    Nagbuhat na naman ng sariling aparador

  5. #5
    ^

    aparador

    ------

  6. #6
    explore.experience.expand adiposethoughts's Avatar
    Join Date
    Jun 2009
    Location
    Elec.DaisyCarnival
    Quote Originally Posted by Bigot3AtBalbas View Post
    Nagbuhat na naman ng sariling aparador
    Bakit? Mukha bang aparador si pretty and distress?

    Baka naman tax niya yan per annum?

  7. #7
    explore.experience.expand adiposethoughts's Avatar
    Join Date
    Jun 2009
    Location
    Elec.DaisyCarnival
    Maluho siguro ang lifestyle mo TS.

    Tama na kasi ang yabang. Hindi ganyan mag isip ang mayaman.

  8. #8
    TS, wag ka na maginternet. sayang ang kuryente!


    at simulan mo na gupitin ang credit card mo.

  9. #9
    ♥~i .... u~♥ prEttyInDistr3ss's Avatar
    Join Date
    Nov 2010
    Location
    i ♥ Shanghai
    Quote Originally Posted by adiposethoughts View Post
    Baka naman tax niya yan per annum?
    naku!! how I wish it's per annum.. I have already given more tha 1M tax to this damn government and take note, it's a no return policy... kahit man lang isang poste na nakapangalan sa akin.. wala!!!


    walang kwenta talaga tong gobyerno dito..

  10. #10
    Quote Originally Posted by prEttyInDistr3ss View Post
    naku!! how I wish it's per annum.. I have already given more tha 1M tax to this damn government and take note, it's a no return policy... kahit man lang isang poste na nakapangalan sa akin.. wala!!!


    walang kwenta talaga tong gobyerno dito..
    1M tax? eh parang kelan ka lang bumalik sa pinas.

  11. #11
    ♥~i .... u~♥ prEttyInDistr3ss's Avatar
    Join Date
    Nov 2010
    Location
    i ♥ Shanghai
    Quote Originally Posted by luks7210 View Post
    1M tax? eh parang kelan ka lang bumalik sa pinas.
    naku Luks... matagal na ako nag work bago pa ako napadpad sa China.. tagal na almost 20k tax ko...


    ang masama pa nung paalis lang ako medyo tumaas ang tax exemption... pero wala pa rin kwenta!!

  12. #12
    Quote Originally Posted by myname View Post
    Im already 30yrs old. Walang savings. Walang lupa. Walang bahay. Paano ba ako makakasave kung halos lahat ng sweldo ay nappunta lang sa utang, upa, kuryente. Parang ang tanda ko na at 10yrs ago sabi ko sa sarili ko makakabili din ako ng bahay. Pero ang hirap pala ng buhay. Kayo guys, kumusta ang buhay?
    wag ka na lang mangupahan, tama yung sabi na maghousing loan ka na lang..or punta ka sa pagibig main branch pamember ka then tingin ka ng mga bahay na rent to own(mga bahay na nabawi ng pag-ibig dahil di nabayaran)
    mas mura lang monthly amortization nun 3k-5k a month my bahay ka na.

    --
    unang nakakuha ako ng bahay nung 20 yo so kaya mo din yan ts kahit di malaki basta may bahay. sa 27k mo ts kaya naman tipid tipid ka na lang.

  13. #13
    thank god for the atheist einhander's Avatar
    Join Date
    Mar 2002
    Location
    safe from harm
    Quote Originally Posted by myname View Post
    Im already 30yrs old. Walang savings. Walang lupa. Walang bahay. Paano ba ako makakasave kung halos lahat ng sweldo ay nappunta lang sa utang, upa, kuryente. Parang ang tanda ko na at 10yrs ago sabi ko sa sarili ko makakabili din ako ng bahay. Pero ang hirap pala ng buhay. Kayo guys, kumusta ang buhay?
    2 things to do, sarado mo yang utang mo ang get a pag-ibig housing loan. Ang mura ng pabahay ngayon, ultimo downpayment pede mo hulugan.

  14. #14
    ♥~i .... u~♥ prEttyInDistr3ss's Avatar
    Join Date
    Nov 2010
    Location
    i ♥ Shanghai
    haaaayz...sana ang pagibig pwede rin i down payment...


  15. #15
    Quote Originally Posted by prEttyInDistr3ss View Post
    haaaayz...sana ang pagibig pwede rin i down payment...

    haha! tangeena this!

  16. #16
    Quote Originally Posted by myname View Post
    Im already 30yrs old. Walang savings. Walang lupa. Walang bahay. Paano ba ako makakasave kung halos lahat ng sweldo ay nappunta lang sa utang, upa, kuryente. Parang ang tanda ko na at 10yrs ago sabi ko sa sarili ko makakabili din ako ng bahay. Pero ang hirap pala ng buhay. Kayo guys, kumusta ang buhay?
    Bakit ka may utang? Saan mo ginamit ito? If this is credit card debt then you are in deep financial trouble.

  17. #17
    If 10 years ago nag-ipon ka ng piso sa isang araw, you'd have P3, 650 at the least now.
    At P5 a day, P18,250 na sana yan ngayon. Start small, mag-ipon ka na kahit paunti unti.
    Andaming banko na mura lang ang pag-open ng account at I suggest mag-passbook ka lang without atm para hindi mo ma-withdraw.
    Surely you could do more than P5 a day right?

    Good luck with life man. Mahirap ang buhay. Mas mahirap kung wala ka pang ipon.

  18. #18
    ♥~i .... u~♥ prEttyInDistr3ss's Avatar
    Join Date
    Nov 2010
    Location
    i ♥ Shanghai
    punta ako sa teller..

    hands inside my pocket and draw out a P5 coin

    'miss, deposit ko eto sa bank account ko"


    repeat everyday...

  19. #19
    omnipotent scottstorch's Avatar
    Join Date
    Apr 2010
    Location
    NORTHEASTWESTSOUTH
    Settle your debt.
    Find a better job.
    Start a business that will provide a passive income.

  20. #20
    Bro ang liit niyan. Sweldo ng Fresh Grad sa HP yan.

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