Usapang Pera

Talk about things other than video games. What are your other hobbies? What's your favorite TV show? Are you into sports. Any recommended restaurants? Do you travel?
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Daniel
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Mon Mar 05, 2018 6:50 am

parang sinasabi na maging freeloader na lang
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skp_16
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Thu Mar 22, 2018 7:55 am

Comment sa isang post ng Peso Sense about travel.
"Life is too short but whether you travel or not, days will pass away and your travel will just be nothing more than a social media pictures which is a fleeting happiness."
TRIGGERED AKO!
.......
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SirZap
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Thu Mar 22, 2018 9:06 pm

^^ :lol:

eto lang masasabi ko sa last 3 issues tungkol sa pera. yung basta nakabayad ka ang bills kahit walang natira, amo-maid comparison at yang savings with no travel. lahat nang yan ay isang version ng mga financial situations maaaring mangyari sa atin. in the end ikaw din ang magsasbai kung anong prioirty mo. kung kaya mo naman makabayad ng biils na may savings, maka-save kahit may maid ka o may savings ka kahit nag-travel ka. okey ang mga yan wala ma-ti-trigger sa atin. pero kasi kadalasan may may situation tayo na pipili tayo kung anong uunahin, bills payment ba? o travel?

another point of view is your core values or beliefs. dyan na papasok ang priorities mo. same din sa first paragraph. yun lang iba ang paniniwala nung peso-sense sa iyo. kaya ngayon gagawa ka ng budget or money system mo kung paano mo gagamitin pera mo. kung talagang nahihikahos ka yang advise ng peso-sense might work for you. kung may sobra ka at may "luho" ka like gaming at travel then iba nang system ang para sa iyo, so you would have to look beyond peso-sense.

think of peso-sense as a simple life budget system. it means na yung sa iyo pang-gamer budget system or pang-traveller budget system ang kailangan. so no need to be triggered just be pro-active in searching what suits you rather than dwell or complain about peso-NONsense :D hayaan mong manglait sila luho mo. hindi kasi nila afford.
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Sn@kemaru
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Sat Mar 31, 2018 9:34 am

^ Agree ako.

Dapat kasi matutong mag-adjust din yun tao at matuto makuntento kung ano lang ang kaya nya. Kung may gusto sya gawin or makamit like gaming or travel hobbies then magsumikap at mag-ipon. Pakealam ba nila kung saan mo dinadala ang pera mo eh ikaw naman ang kumita nun.

Hindi rin ako makapaniwala dun sa comparison ng amo vs maid. Nakita ko na noon yan pero hindi ko pinansin.
Sabi nga ni DRB, ang bopols nga eh. O baka naman nang-trotroll lang yun gumawa nyan para mapansin? Sino bang tao ang mag-work just to sustain lang yun sarili nya at wala man lang savings? I think sustaining oneself is already a saving. Baka sa part ng buhay nyang yun ay starting up pa lang sya pero eventually ay magkaka-savings din sya.

Ako may sariling family, may work at need namin ng kasambahay lalo na nung mga panahon na maliit pa anak namin. Parehas kami may work ni misis kaya kailangan namin i-asa muna sa yaya yun bata. Nung mga panahon na yun, talaga medyo strict budget kami. Middle class sweldo, na may binabayaran monthly amortization sa bank dahil sa property loan at pinapa-sweldong yaya.
Sanay ako sa gawaing bahay dahil ganun ang training sa akin ng parents ko. Pero nagawan ko pa rin ng paraan para ma-isingit ang gaming hobby ko. Hindi nga lang ako in sa mga latest consoles and games but I still managed to quench my gaming fix.

For travel naman, buti na lang at part ng work ko ay pumunta sa mga regional districts namin kaya nakaka-travel ako sa mga provinces. Yun nga lang mostly work ako din, at sumisingit lang sa mga sight seeings.
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DarkRushBeat
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Sat Mar 31, 2018 6:30 pm

Middles class earners din kami parehas ni Kumander...Pero she's due to get more now she finally have her PhD degree, DLSU na mismo nagsabi sa kanya she cannot go lower than 30k per month..Not to mention her side projects like panelling for thesis defense, statistics, etc...

As for me, i only have 1 source of income, trabaho nga..Thankfully my Aussie boss gave me a pay raise after 3 years of service with him, and ngayon nakabukod na kami, hati kami ni Kumander sa bayarin, lalo na sa "mortgage" namin sa bahay (15k) per month...I still take care of the utility bills...

Minsan kinakapos pa rin pero i see to it na meron ako naitatabi sa kinikita ko each month..In fact i started the 20.00 per week increment challenge ng Peso Sense, which will possibly amount to 27k by the end of the year...Ang luho ko lang naman are books & action figures & hindi rin naman ako palabili palagi kasi mamumulubi naman ako kung each pay e meron akong bago..I see to it na naiipon ko muna pambili ko kahit umabot pa ng ilang buwan...And to clarify, maka ipon man ako 27k by the end of the year, hindi para sa akin or sa action figures ko yun, hati kami ng 2 boys ko...I'll open them a savings account again & yung mapupunta sa akin e gagamitin ko pambili ng either Switch or smartphone na lang, tutal ayus din naman ang Android gaming...
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SirZap
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Wed Apr 11, 2018 1:46 am

eto may bagong kwento ako.

yung kaibigan ko, bale yung kuya nya, nagpahiram ng pera sa mas bata nyang kapatid para makakuha ng work. so kasama duon yung damit para may formal office clothes. so sabi ng kaibigan ko nag-suggest sya na tumingin sya sa H&M, kumabga tingin lang ng style duon para nasa uso pa yung proma. so nung namili sinamahan sa SM Dept. store. dun namili ng ilang damit tapos namili din sa H&M. so nag-start na sa work. after 2 months siningil. in short yung utang hindi pa daw babayaran kasi kukunin daw sa clothing allowance which would be released after ma-regular meaning 4 months pa more.

eto ang problem na nakita nila ng kuya nya. una, may kinuhang samsung s8. meaning huhulugan iyon for the next 2 years. so yung kuya nga kaibigan ko naiinis kasi inuna yung cellphone kesa sa pagbayad ng utang sa damit. pangalawa, kinuwenta ng kabigan ko yung hulog sa cellphone + pang-araw-araw lalalabas may sobra pang pera na pwede naman ipanghulog. pero hindi pa rin daw kasi mas maigi daw na kunin na lang sa clothing allowance. pangatlo, yung mismong pangkuha ng hulugan na phone inuna, hindi man lang nagbayad muna at sana hiniram na lang yung isa pang phone ng kaibigan ko na S6, S7 kasi yung currently na ginagamit. nagkakamot ulo silang magkuya :facepalm: pang-apat eto pa, yung the same na mas bata nilang kapatid may cellphone dati na iphone 7 pinadala ng mommy nila galing states. so nasaan na yun? :huh:

pahabol pa yung kwentong H&M. sinisi pa ng mas batang kapatid yung kaibigan ko kase kulang pa nga daw yung pambili ng damit. ang siste, dahil nag-suggest daw sa H&M daw tumingin pero dun pa rin bumili. take note, ulitin natin yung part na dun muna sa SM Dept. store muna bumili bago pumunta ng H&M. so kung nandun ka na ang alam mong kukulangin yung pera mo para sa damit eh bakit ka pa bibili sa mas mahal? :fight:
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DarkRushBeat
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Wed Apr 11, 2018 7:01 am

Haist....Baka gusto jumaporms ng wala sa lugar he he he....
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Daniel
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Wed Apr 11, 2018 9:30 am

failed priorities
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Oink McOink
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Mon Apr 30, 2018 7:04 am

Had to learn cryptocurrency because of work and it is enticing..almost.

The greatest drawback of the whole thing is not cryptocurrency itself but the community that supports it. I think over 90% of the people are toxic. People are so greedy that any meaningful progress in that field is overshadowed by greedy people hiding behind the internet. Everything is an investment, even if the project's sole focus is innovation and enriching the concept. I was intrigued by the new ideas coming from cryptocurrency at first but now eh I feel I don't want anything to do with it unless work requires.
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DarkRushBeat
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Fri May 04, 2018 9:08 pm

Ako i haven't sold my Bitcoins yet...And di pa naman ako masyado sold into the whole cryptocurrency thing...Ang habol ko for now is the hassle-free payment online (via Coins.ph), lalo na magpapakabit na ko ng cable dito sa bahay...Not to mention, i can load my number anytime i want...
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skp_16
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Thu May 10, 2018 5:46 am

Mga comments na ""Huwag mo na sila singilin. Isipin mo nalang mga ginastos sila sa pagpapalaki sayo." :facepalm: :facepalm: :facepalm:

.......
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jsnepo
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Thu May 10, 2018 11:18 am

Mahirap yan. Unang una magulang yan. Hindi na dapat sinisingil. Pangalawa yung magulang dapat huwag automatic na aasa lang sa anak Lalo na may sariling pamilya na pala.
<(  )>  You have earned a trophy.
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SirZap
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Thu May 10, 2018 9:51 pm

nabasa ko yan kanina.

mukhang NAGULANGAN sya. :fight:

seriously ... eto pananaw ko:

1. lahat ng sides tama. yung mga nagasasabi na huwag nang singiling blah blah blah. agree ako. yung iba naman sabi ang utang ay utang, kumbaga iba yung obligasyon nila na magpalaki sa iyo iba na ngayon may sarili ka nang pamilya, agree din ako.

2. at dahil hindi mo masingil ngayon kailangan mo dapat magTANDA ka na. base sa kwento, ibig sabihin kulang sila ng pera. that means wala silang ipon. kasi kung may ipon sila at ganyang ang sitwasyon syempre hindi sila kukulangin. at kung gusto mong maningil kahit may ipon ka singilin mo pa rin dahil nga iba na sitwasyon mo at may PCOS ka nga. at may mga pangangailangan ka rin. sa ngayon hindi mo na sila magsisingil dahil hindi nila nasi-seen yung messages mo.

3. dahil dyan, sa susunod huwag ka nang magpautang. mag-ipon ka muna. yung katumbas ng 6 na buwang gastusin. kapag nakaluwag saka ka na magpautang. ngayon dahil magulang mo naman sila nasa sa iyo kung pauutangin mo sila ulet. kung ayaw mo ok lang. isa pang pwedeng gawin ay maglaan ka ng 1% kada sweldo at yun ang ipa-utang mo o kung gusto mo ipamigay mo. na kahit hindi mo masingil eh ok lang kasi maliit na halaga. kung sino mauna ibigay mo na o ipa-utang mo kapag umangal sila sabihin mo yun lang ang halagang kaya mong ipahiram o ibigay. kung may magbayad sa kanila e di magaling, kumbaga pandagdag sa ipamimigay mo o ipauutang.


----------


grabe! pina-igsi ko na sa isipan ko... humaba pa rin :sweat: :surprise:
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skp_16
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Sun May 13, 2018 6:20 am

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Daniel
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Sun May 13, 2018 9:43 am

pasa-pasang "pangarap"
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DarkRushBeat
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Sun May 13, 2018 3:56 pm

Yan ang tinatawag na "cycle of life"....Kaya when my boys one day finally decides to start their own family, i will see to it na wala sila dito parehas sa poder namin, i want them to suffer/learn & make them independent....
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skp_16
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Thu May 17, 2018 2:20 am

Agree ba kayo dito?
Having a child is like earning millions of money. Masarap magkaron ng anak. Para saan pa ang maraming pera kung hindi ka mag aanak?
Nagpakasal ka pa kung hindi lang din kayo matatawag na pamilya... oo mahalaga ang pera sa panahon ngayon,, pero may mas hahalaga pa ba sa mahal sa buhay na pwedeng mawala sayo dahil mas inuuna mo pera? Family should come first.
I will give up everything just to have a child. Magka-baby lang ako i-gigive up ko ang trabaho ko. Walang katumbas na yaman ang magkaroon ng anak.
.......
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Daniel
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Thu May 17, 2018 10:05 am

Siguro mas mararamdaman mo lang talaga yung saya ng may anak kapag nagkaroon ka na mismo ng anak.

Naalala ko noong high school isa sa mga topic dun sa religion subject namin, merong mga choices ang mga adults: magpari o madre, single-blessedness, o magpamilya. Siyempre maraming yung last choice ang pipiliin.

Siyempre may kanya-kanyang epekto sa pera. Yung isa, galing abuloy ang pera. Yung isa, solo ang pera at walang ibang gastusin kundi sarili o kung merong BF/GF. Yung huli, siyempre sa asawa at anak.
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skp_16
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Fri May 18, 2018 6:27 am

.......
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DarkRushBeat
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Sat May 19, 2018 1:36 pm

I will give up everything just to have a child.....Pati trabaho?

Anong katangahan yan? Unless mayaman ka na siguro, pwede....

Personally sa akin, having a kid also means money.....Pero pag me anak ka na, mas mararamdaman mo maging matipid sa pera dahil sa dami ng gastusin...
Everybody wants Happiness, Nobody wants Pain...
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SirZap
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Sun May 27, 2018 2:41 am

minsan i-treat mo rin daw sarili mo sabi ng peso sense

#5. maglaro ng playstation

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Daniel
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Sun May 27, 2018 9:09 am

pareho lang yung number 5 at 8. :lol:
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DarkRushBeat
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Sun May 27, 2018 12:43 pm

Masaya na ko basta meron ako mabili para sa sarili ko each pay...Either books from Booksale or Transformers or action figures na gusto ko....Yung videoke dehins, unless wala ako kapitbahay na maiistorbo...Yung matulog ng bongga, kapag pamilyado ka na, good luck....
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....


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SirZap
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Sat Jun 09, 2018 5:33 pm

natawa ako sa sinabi ng isang NEDA officer na kayang mamuhay ng disente sa 10k ang family of 5. :lol:

buti na lang yung isang senior officer sinabi naman na 42k daw ang reasonable according to his estimates. kasi naman yung 10k daw lumang standard daw yun na hindi na na-update. :facepalm:
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Daniel
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Sun Jun 10, 2018 1:13 am

10k pa lang ubos na agad sa rent at utilities :sweat:

dun pa lang sa mga cities na may mga sub-meter ang kuryente, aabot agad ng 1k.
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