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25 to 30 years old na wala pa ring ipon gang ngayon..

Guys ako lang ba ang late 20's dito na wala pa ring ipon sa bangko? I'm alarmed.. :mecry:
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Comments

  • bluesoda00bluesoda00 Salamat po!!! PExer
    hello!!! ako nga early 3o's na pero this year nagumpisang hag magipon e. e almost 10 yrs na ko nagwowork. pero no regrets kasi kung tutuusin sa mgandang bagay naman napunta yung hard earned money -panggastos araw araw, pangtulong sa ibang kamaganak (kahit di kamaganak) at mga personal stuff na napundar ko. so far on the right track pa din kahit na wala pang 200k ang ipon ko...
  • binxtdorbinxtdor my ex is a wh0re PExer
    at least may naipon ka na huhu...
  • DacsDacs Bummed bу Αdmin ✭✭✭
    Ako wala pa.

    Sa mga responsibilidad ko, nahihirapan ako, maski gusto ko.

    Pero mas masahol ang walang perang pagkukuhaan. Buti tayo may regular payday.

    Pero subukan ko nga next payday magtago ako ng portion ng sahod ko maski maliit :)
  • Naruto KunNaruto Kun Member PExer
    kawawa ka. bawasan mo na lakwatsa mo
  • yajlumanyajluman Member PExer
    binxtdor wrote: »
    Guys ako lang ba ang late 20's dito na wala pa ring ipon sa bangko? I'm alarmed.. :mecry:

    30 yrs old is still young. I'm 47 going 48 this year. Now, that's old!:lol:

    You have a lot of time saving! Try na mag-ion ka ng 10% of your sahod.

    It's never too late to save no matter how young or old you are! Konting disciplina and patience lang. *okay*
  • superbadsuperbad Member PExer
    i consider myself to have savings if i have a time deposit na 100k. otherwise, my savings account is just a savings account kuno. rolling money. cash flow management lang.
  • foolchafoolcha Member PExer
    The older some one gets the harder for it to achieve your desired retirement lifestyle, better to start saving at least 10%-20% of your present income NOW!

    @ yajluman

    Although Konting disiplina and patience is important it would be better for someone who is younger to start saving a part of his income as soon as possible because of the power of compound interest and mother time.
  • brucelee09brucelee09 Member PExer
    BAKA NAMAN PAG SUMWELDO KA MAY MGA EXTRA CURRICULAR EXPENSES KA??? like mga signature clothes, mga gadgets, mga babae, hhehehhe kidding aside. Actually ngayon mo malalaman kung bakit upto now wala ka ipon. Baka naman taas ng STANDARD of living mo? Try to be simple, be content sa what you have and not on what others have. Tama yung sinabi nila, try to save maski a small amount ng sweldo mo, sa simula talagang makikita mo ng maliit pero hindi mo namamalayan na lumalaki pala, then pag malaki na naipon mo, wag ka bili ng luho, try mong mag invest para yung money mo ang mag work sa iyo.
  • kimsan23kimsan23 Trainer PExer
    i started serious saving up when i was 31. i'm actually blogging about how i save money, i share tips on finance as well. you are welcome to visit my blog.

    http://myfirstonemillionpesos.wordpress.com/
  • chrisboychrisboy T.B.I.Y.T.C. PExer
    ^ good read.
  • bluesoda00bluesoda00 Salamat po!!! PExer
    forced savings yung ginawa ko last year pero this year ako naging pursigidong magipon. nagopen ako ng time deposit na may option dagdagan after six months, kumuha ako ng secured credit card so literally naka time deposit din yun sa kanila, nag opne idn ako sa asia trust bank ng parang hulugan system (they cal it kayaman savings) wherein you deposit a fixed amount on a fixed timeframe tapos you get higher interest kesa sa savings. ako sinagad ko yung 5k deposit per month tapos two years yun, 7% p.a. so automatic tlgang pag payday 2500 kagad ang nakatabi para mabuo ko yung 5k na idedeposit. nung umpisa parang ang hirap. pero pag tinitignan ko yung passbook ko, sulit. mag wa one year na kasi kaya medyo malaki na din. maaaring yung iba hindi sangayon sa way of saving ko. pero sabi nga different strokes for different folks. kung san ka comfortable, e di dun ka. ang importante me savings kahit paano, at patuloy na lumalaki. although sabi nga nil,a hindi mo naman madadala ang kayaman mo sa hukay so di dapat maging money focused, dapat ready pa din tayo sa mga unavoidable events in our lives na in a way kakailanganing gumamit ng pera. good luck satng lahat!!! happy savings!
  • jay372011jay372011 Member PExer
    Nung ininterview si Sec Boncodin - tinanong siya how to deal with the economy etc. akala ko malalim ang sagot niya NAPAKASIMPLE LANG TLAGA:rotflmao: To be able to save either cut back on expenses or increase your income. Ganoon din naman sa atin. If gusto mo makaipon - mag bawas ka ng gastusin mo or mag sideline ka na legal OR DO BOTH. Being 30 is not yet too late but then syempre iba kung 20's pa lang nagiipon ka na. So start now.
  • yajlumanyajluman Member PExer
    foolcha wrote: »
    The older some one gets the harder for it to achieve your desired retirement lifestyle, better to start saving at least 10%-20% of your present income NOW!

    @ yajluman

    Although Konting disiplina and patience is important it would be better for someone who is younger to start saving a part of his income as soon as possible because of the power of compound interest and mother time.

    I agree! In the ideal world, the sooner one can save 20%, the better. But I can relate to binxtdor's alarm because I've been there.
  • binxtdorbinxtdor my ex is a wh0re PExer
    Thanks guys akala ko ako lang, meron din palang mangilan ngilan... thanks sa mga payo... nagstart n ko kaya lang wala pang 20k... mbaba pa din un... =(
  • yajlumanyajluman Member PExer
    kimsan23 wrote: »
    i started serious saving up when i was 31. i'm actually blogging about how i save money, i share tips on finance as well. you are welcome to visit my blog.

    http://myfirstonemillionpesos.wordpress.com/

    I enjoyed reading your blog! *okay*
  • A-GameA-Game Member PExer
    kimsan23 wrote: »
    i started serious saving up when i was 31. i'm actually blogging about how i save money, i share tips on finance as well. you are welcome to visit my blog.

    http://myfirstonemillionpesos.wordpress.com/

    very nice read sir. well stated
  • panda2xpanda2x Member PExer
    im in my mid twenties and im alarmed na din na i dont have as much savings as i think i ought to. pero pag iniisip ko na im helping out my family with expenses sa bahay, etc. ok lang kasi may katuturan naman ang gastos ko. correct, if you really wanna save, find a higher paying job and/or magbawas sa gastos. simple lang naman talaga kung tutuusin.
  • Urza's RageUrza's Rage with kicker... PExer
    bluesoda00 wrote: »
    forced savings yung ginawa ko last year pero this year ako naging pursigidong magipon. nagopen ako ng time deposit na may option dagdagan after six months, kumuha ako ng secured credit card so literally naka time deposit din yun sa kanila, nag opne idn ako sa asia trust bank ng parang hulugan system (they cal it kayaman savings) wherein you deposit a fixed amount on a fixed timeframe tapos you get higher interest kesa sa savings. ako sinagad ko yung 5k deposit per month tapos two years yun, 7% p.a. so automatic tlgang pag payday 2500 kagad ang nakatabi para mabuo ko yung 5k na idedeposit. nung umpisa parang ang hirap. pero pag tinitignan ko yung passbook ko, sulit. mag wa one year na kasi kaya medyo malaki na din. maaaring yung iba hindi sangayon sa way of saving ko. pero sabi nga different strokes for different folks. kung san ka comfortable, e di dun ka. ang importante me savings kahit paano, at patuloy na lumalaki. although sabi nga nil,a hindi mo naman madadala ang kayaman mo sa hukay so di dapat maging money focused, dapat ready pa din tayo sa mga unavoidable events in our lives na in a way kakailanganing gumamit ng pera. good luck satng lahat!!! happy savings!


    Sir, anong bank to??
  • bluesoda00bluesoda00 Salamat po!!! PExer
    urza, asia trust bank. pero if your working in ortigas, please spare their emerald branch. sa greenhils ka na lang magopen., hay the lousiest and most unprofessional service. everytime na magdedeposit ako laging may customer na nagagalit. hehe. minsan nga gusto ko din maki join. masarap umeksena hehehe...
  • ready2goready2go http://fitzvillafuerte.com PExer
    Do you know the best way to save money? It's learning how to:

    Pay Yourself First

    (the title above leads to an article I wrote)

    PMT.gif
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