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nakakapagod ganitong cycle...

guys nakaexperience na ba kayong may sweldo nga pero hindi pa rin sapat sa pang araw araw?. I mean alam niyo yong feeling na masasabi niyong "kontento na ako" "ang yaman ko talaga". Hindi ko pa nararanasan yon :bop:.Nakakapagod lang kasi ganung cycle.Ilang years na ganito eh. Sino na dito nakaexperience na mag earn ng 100k each month pero napupunta lang sa pagpapagawa ng bahay ? Sino na dito malapit na mag 30 pero wala pa ring ipon kasi walang mahanap na matinong trabaho abroad? Sino dito yung yung perang pinag ipunan abroad eh napunta lang sa "show money" sa hinihintay na visa at walang kasiguraduhan nga na makakapunta doon.tapos ang ending "maliit" na negosyo na lamang.. na wala naman pa ring magawang ipon.. ano bang mali sa sitwasyong ganito?.. may MF nga ako pero kakarampot pa yon sa tinatamasang kong milyon. For once gusto ko sana masabang "wow yumaman nga ako". any financial advise??.. and please huwag niyo sabihin na magtaya sa lotto :rolleyes: 1 in a million ang pag-asa dun :bop:

Comments

  • bankerIIbankerII PEx Veteran ⭐⭐
    don't buy things you don't need;
    with money you don't have;
    to impress people you don't even know.
    :D
  • List down your goals. Set straight your definition of being rich. What do you think would it take for you to finally declare that you are rich by your personal standards? List the things you want to have and the things you want to do and then look at them again and again and decide if you really need or want them, in effect you trim your list and make it more manageable and doable.
  • jadey888 - At least meron ng bahay.. marami dyan ang squatter or nakikitira lang sa relatives. :D
  • wag ka mapagod kase ganyan talga ang buhay... isip ka lang to spice up your life.. baka kase wala kang hobby.. ako dati na feel ko din yan. then nag mountain biking ako para may pagka abalahan din iba. para hindi paulit ulit ang routine ng buhay ko hehehe...
  • shamashu9shamashu9 PEx Veteran ⭐⭐
    your lucky meron kang job at 100k per month

    financial advise? i think you really need one. visit banks, meron silang ganyan, financial advisors, big help, good starting point.
  • well, for a good cause naman dahil bahay ang pinapagawa mo..

    ***** it helps if you list your monthly expenses.. at least mas madali mo makikita which you can cut off at kung ano yung pwede imanage..
    tsaka fixed allocation of funds.. depende on how ur lifestyle is pero basta dapat you have % of your earnings saved for investments/savings..
  • kittypryde03kittypryde03 PEx Rookie ⭐
    if that's too tiring for you then think of other people na walang trabaho, walang bhay, and di makakain whenever they want. sorry for this, I know financial advise ang hnahanap mo but my point is you are way too lucky compared to them. you just need to set your priorities para di ka nadedepressed sa mga bagay bagay... :)
  • madalas kasi na problem, ang daming gusto ng tao :) kasalanan din to ng marketing haha...
  • @jadey888- Huwag ka mag-alala hindi ka nag-iisa. In fact, wala naman atang tao na nakuntento na sa kayamanan nya eh. Just take a look at the richest men in the philippines henry sy, lucio tan et al, or even the world (bill gates, warren buffet etc.). These people should have stopped looking for money eons ago but no, they continue buying businesses finding ways to further grow their portfolio. Kung sila nga di pa nakontento tayo pa kaya ordinary mortals? ;)
  • aspiringentrepraspiringentrepr PEx Veteran ⭐⭐
    That is what you call a rat race in which maraming tao ang trapped currently.

    I started my journey towards financial freedom through proper mindset on savings. Just pay yourself first by setting aside a portion of your salary. And as you grow your savings, learn about investing.

    My blog is all about financial freedom and I give free financial advise to anyone who seeks it as long as I know how to answer of course.
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  • Matuto kang masatisfied at maging proud kung anong mayron ka, tiyak magiging masaya ka.
  • bankerIIbankerII PEx Veteran ⭐⭐
    commentator1

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  • nomerdzkinomerdzki PEx Rookie ⭐
    Madali lang sabihing "ma-satisfy ka sa kung anong meron ka!" or "tignan mo nga yung iba dyan, mas naghihirap kesa sayo". Maganda na mapansin kung anong meron ka, pero syempre bilang tao talagang gusto mong hindi mag-stagnate. You want to keep growing.

    Gawin mo siguro yung sinabi nung iba, list your goals and indicators for saying that you are rich. Pagkatapos, kapag na-attain mo na yun, make new goals. At least itong step na to pwede mo na magawa ngayon din.

    As for financial advise, ang alam ko bine-base ng mga financial advisors yan sa kung anong personality mo at kung ano ang tolerance mo for risk-taking. Pwede mo siguro i-ask sa bank kung may ganung service sila, at kung magkano if ever.
  • bankerIIbankerII PEx Veteran ⭐⭐
    madaling sabihin at gawin yun.
    if only one appreciates what he has;
    and not keep up with what others have.


    sample?
    di ba gusto ng lahat bago ang mga CP gadgets ek-ek?
    employee lang akala mo businessmen na.

    IMHO lang po ha?
    fing25.gif
  • mamee wrote: »
    jadey888 - At least meron ng bahay.. marami dyan ang squatter or nakikitira lang sa relatives. :D


    tama.. kahit papaano naubos pera mo sa pagpapagawa ng bahay... may bahay ka na hindi kana mag rerent.

    ako kaka 33 lang pero ito wala pang bahay, nagbabayad parin till 2016 for my unit.
    puro tulong din ako sa mga kamag anak ko..bu then i realized i have to save for myself. It's not them who will suffer at the end..

    I have to open Insurance plan. slowly saving money while enjoying life.
  • nomerdzki wrote: »
    Madali lang sabihing "ma-satisfy ka sa kung anong meron ka!" or "tignan mo nga yung iba dyan, mas naghihirap kesa sayo". Maganda na mapansin kung anong meron ka, pero syempre bilang tao talagang gusto mong hindi mag-stagnate. You want to keep growing.

    Gawin mo siguro yung sinabi nung iba, list your goals and indicators for saying that you are rich. Pagkatapos, kapag na-attain mo na yun, make new goals. At least itong step na to pwede mo na magawa ngayon din.

    As for financial advise, ang alam ko bine-base ng mga financial advisors yan sa kung anong personality mo at kung ano ang tolerance mo for risk-taking. Pwede mo siguro i-ask sa bank kung may ganung service sila, at kung magkano if ever.

    May mga bagay kasing hindi mo talaga pwedeng makuha, kita mo naman 100k yata sinusweldo nung TS parang hindi parin magkasya. Ang gawin dapat ng isang tao ay less ang gagastusin niya at magtira siya ng iipunin niyang pangnegosyo pagdating ng araw. Ang dami diyan 50k lang ang sweldo eh nakakatabi pa ng malaki.

    Kahit kalahating milyon pa ang swelduhin ng isang tao sa isang buwan kung hindi naman siya nasasatisfied kung anong mayron siya at gusto niya higit ang makuha niyang mga bagay ay tiyak magkukulang talaga.
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