Magkano Rapat ang Kailangang Buwanang Sahod Para Mamuhay ng Payak, Maginhawang Buhay sa 'Pinas?
Poppysgarden
Member PExer
How much monthly Income needed to have a basic but comfortable life in Philippines?
Hello to all,
New to the forum,so please bear with my questions:bashful: I dont even know if this is the right thread or my existing ng ibang thread somewhere?
Curious lang ako, and I wanted your thoughts about this. Magkano sa palagay nyo ang kailangan na income ng isang family(of 4,for example) to be able to support a comfortable way of living?
Lets put it this way, "comfortable" means all the basic needs are met: food ,shelter,clothings, and lets add education. Plus na rin yung occasional "luxuries" like dining out,shopping,and recreation!
And lets say,they can still put aside a savings for "rainy days" or emergency fund?
I would like to have an idea,kasi sooner or later,my family might decide to live permanently sa pinas. So ,at least ,may alam na po ako of the cost of living in the Phils.
Any idea will be greatly appreciated.
Many thanks.
Hello to all,
New to the forum,so please bear with my questions:bashful: I dont even know if this is the right thread or my existing ng ibang thread somewhere?
Curious lang ako, and I wanted your thoughts about this. Magkano sa palagay nyo ang kailangan na income ng isang family(of 4,for example) to be able to support a comfortable way of living?
Lets put it this way, "comfortable" means all the basic needs are met: food ,shelter,clothings, and lets add education. Plus na rin yung occasional "luxuries" like dining out,shopping,and recreation!
And lets say,they can still put aside a savings for "rainy days" or emergency fund?
I would like to have an idea,kasi sooner or later,my family might decide to live permanently sa pinas. So ,at least ,may alam na po ako of the cost of living in the Phils.
Any idea will be greatly appreciated.
Many thanks.
Comments
House rent ba kayo o you own it?
Public or private school ang mga bata? Depende pa ito sa school na plano nyo
Own a car or public transport?
With helper/s o wala?
Pero gusto mong madalian 100k will be safe :-)
but primarily WHERE do you want to relocate?
100k nga siguro as another poster said
tatlo kami magkakapatid,
dad was earning around 120 to 150
mom was around 30 to 40
(just estimating kase ayaw naman nila sabihin sakin yung sakto
working na din ako ngayon,
but back then nung dependent pa kami tatlo,
it was very "comfortable"
although sa province yun
rough guessing... (gross na to ha)
50k is comfortable if you are single
75-100k for married, wala pa kids
100-150k for family of 4
--a decent house in a decent community, (say amortized @ P40K/mo.)
--a new car every 5 years (say amortized @ P20K/mo.)
--at least one luxurious travel per year, local or abroad (P5K/mo.)
--decent food on the table and occasional dining out (P25K/mo.)
--with stocks investments & insurance (P20K/mo.)
--kids' (1 or 2) education, fuel, shopping, recreations, sports, etc. (P40K/mo.)
Those would require a whopping P150K monthly net income! Di kasali dyan withholding tax. I barely earn half of that. I can't afford a comfortable life. :(
I know of a couple of people who make at least 200k/mo and they're whining about not being "comfy" enough. I also know of people who make 30-40k and they're "comfy" about it.
If you're one of those people who puts a premium on social validation and whose self-worth is valued by perceived status, I don't think any amount would amount to a "comfortable life".
Agree with this. A good rule would be to automatically put away 10% of your monthly income. The rest is what you spend on basic needs.
Keep saving until you have at least a 3-5 months worth of your salary. From here, maybe you can shift some of the savings to capital for investment purposes.
true. if they see you having "comfortable life"
you will have many relatives.
Say you own your own modest home (mana from parents), a small car (Toyota vios), are 6 in the house - two kids, the couple, one maid, and one labandera.
When I say average I mean:
- Eat 3 meals a day
- No out of town trips
- Walang Cable ang Tv
- Of course may internet at landline
How much is enough monthly to live under thos conditions? Should 15,000 a month be enough?
Internet + landline = P1,000/month
Electricity 500 kwH per month (one air conditioner, 4 hrs a day, plus typical home appliances)
Water 60 cubic meters per month
Also provide for these:
Real estate taxes (if you don't pay this, you could lose your house)
Car maintenance allowance P8.00 per kilometer travelled
Car insurance
Gasoline, assume 8 kilometers per liter consumption
Food for 6 [email protected] per person per day for30 days - 9k
Magkano na bayad sa maid at labandera? Sobrang baba na yung 1500 each - 3k
Internet/landline - 1k
Gas - 2k per month. Sobrang tipid na yan. 6kms lang yung office ko pero abot ng 3k monthly gas.
Eto pa lang 15k na. Wala pang electricity, tubig, baon ng bata if nag school, budget for emergency (di maiwasang magkasakit), not sure kung kasya 50 budget sa food the whole day, puro gulay siguro ito. Sa palagay ko minimum 100 ang food per person.
Di pa rin na consider car registration at maintenance and real estate tax.
no car, no metro manila house (but i have 2 big houses in the prov, inherited from parents)
Monthly expenses ko
09.00k-rent house
06.00k-yayas
02.60k-electricity
00.70k-water
01.60k-phne&dsl
12.00k-unforseen expenses, food & needs(soap, shampoo, etc)
00.50k-gas (1 Solane 2 months)
00.25k-bigas (1/2 kaban 2 months)
01.00k-church offering
01.00k-donate to poor
02.50k-pamasahe (nagbabaon ako)
07.00k-support kay mom and dad
44.15k estimate expenses
44.xxk net salary
tuition is covered by 13th month pay, and convertible leaves for the 1 kid.
tuition of 1 pamankin shouldered by her mom.
wife's paying for our presell condo, 10 yrs to pay, 30k per month, and that's it.
no need to invest or to save, use every penny for what's important now.
we can live abounded or abased, living under God's graces and faith in Him
kasama rin ito sa 12k est na unforseen exp.