Usapang Pera

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DarkRushBeat
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Wed Dec 07, 2016 8:31 pm

Nawala yung thread naten na Usapang Pera...Pero dito ko na lang ilalagay ito...

A year ago i shared this piece on this very thread...Na challenge ako..So i duly began saving up 200 each week until December 2016...Fast forward to present month, here i am, nabuo ko na yung PHP10,200 (i chose to save 200 each week), and sumobra pa ng 400...

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Madami nagtatanong sa akin (since i am a toy collector) & marami din nagbubuyo na "hu, bibili ka lang ng Transformer or action figure na mahal eh"...Hindi ko pinapansin mga yun...All i know is i am dead serious about this & this whole damn thing is for my 2 sons...

So here i am, nabuo ko na yung "start-up" funds ng 2 boys ko...Each of my boys will get 5,3k each & i will open up their bank accounts before the end of the year...Masaya mag ipon lalo na kapag na cha-challenge ka...

I can't wait for Peso Sense (from FB) to come up with another one like this for 2017...
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SirZap
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Fri Dec 09, 2016 11:58 pm

bakit walang 20 petots a week?
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jsnepo
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Sat Dec 10, 2016 1:50 am

Para sa mga mahilig mamili kapag sale lalo na mga digital goods.

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No one is saving money by buying on impulse. Ever.
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grayfox17
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Sat Dec 10, 2016 4:01 am

^narealize ko din to nung nasa abroad ko. I never buy something on impulse. Pinag iisipan at pinag iipunan ko muna maigi ang isang bagay bago ko bilhin. And if I were to buy something, I make sure mas malaki ang matitira kesa sa magagastos ko.
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DarkRushBeat
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Sun Dec 11, 2016 7:22 am

Naglabas na ng 2017 Peso Sense challenge...Wala naman nabago...Pero i had fun doing this each week...So tutuloy ko talaga...Siguro from 200, gagawin ko 300 or 400 each week...

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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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Sun Dec 11, 2016 7:39 am

may trip akong gawin. ipon ako 20 + 50 + 100 + 200 + 500 + 1000 bills per week

ang hindrance eh yung 200 bills. bibihira lang. so i-total na lang into 1870 :sweat:

since mahirap din naman yung ginagawa ko na pipila bangko every week

kaya gagawin ko na lang every month. 1870 x 52 / 12 = 8103.33

parang sweldo na rin ng isang minimum wage earner. :sweat:

pero kung gagawin ko naman every 4 weeks 1870 x 4 = 7480

sige na nga 3k na lang every kinsenas para 6k na lang every month :lol:
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VincH
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Sun Dec 11, 2016 8:39 am

simula ngayon nire record ko lahat ng mga gastos ko kahit na tig piso. nung unang ginawa ko to nagulat ako sa total monthly expenses ko. malaki pala ang gastos ko every month, akala ko matipid ako. :sweat:
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DarkRushBeat
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Sun Dec 11, 2016 12:10 pm

Simula January 2017 i'll start writing my expenses again...Dati i used to keep a small notebook detailing magkano nagastos ko that day, sa pamasahe, food, miscellaneous,etc..Hindi na ako namomroblema sa pamasahe (since i just work at home) although meron times na kailangan talaga makalabas...
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grayfox17
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Sun Dec 11, 2016 9:13 pm

ako i just keep a mental note lang of my expenses. Halos pareho lang naman ang pinagkakagastusan ko buwan buwan so tantyado ko na rin. Once makuha ko sahod ko, bangko kagad ang direcho ng majority na yun so maiiwan sa kin disposable income na lang. Yun ngayon ang winawaldas ko until next sahod. Good thing I'm just at home, walang gastos sa pamasahe at ibang bagay. Ang tanging lumilihis lang sa ipon ko is pag trip ko bumili ng games pero bihira lang naman din yun.
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VincH
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Thu Dec 15, 2016 9:14 am

hinding hindi na ako gagamit ng credit cards pag may bibilhin ako sa mga malls. lagi na lang akong nagugulat sa mga bills ko. :facepalm:

akala ko konti lang ginagastos ko pero madami dami pala. hindi ko kasi ramdam di tulad ng maglalabas ka ng physical cash. akala ko mas magiging matipid ako pag di ako gano nagdadala ng cash pero baliktad pala :lol:
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grayfox17
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Thu Dec 15, 2016 3:19 pm

ako kahit noon hindi ako na-entice kumuha ng credit card. Dati binigyan ako ng erpats ko ng supplementary pero hindi ko rin ginagalaw. :sweat: Nung nasa abroad ako medyo dun mahirap magpigil kasi kahit yung normal atm mo kung san pumapasok ang sahod mo pwede mo na rin ipangkaskas anytime sa mga stores at gamitin for online puchase - all in one na by default kaya para iwas impulse buying iniiwan ko card ko pero nagwiwithdraw na ko ng allowance ahead of time. :lol:
Last edited by grayfox17 on Thu Dec 15, 2016 3:29 pm, edited 1 time in total.
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DarkRushBeat
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Thu Dec 15, 2016 3:22 pm

Ilang beses na rin ako inaalok ng CC, pero i always turn them down...Ayoko ng CC, baka magawi lang ako sa toy store, pag uwi ko gasgas na ang CC ko kaka swipe...
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 Dec 17, 2016 11:22 pm

SirZap wrote:may trip akong gawin. ipon ako 20 + 50 + 100 + 200 + 500 + 1000 bills per week

ang hindrance eh yung 200 bills. bibihira lang. so i-total na lang into 1870 :sweat:

since mahirap din naman yung ginagawa ko na pipila bangko every week

kaya gagawin ko na lang every month. 1870 x 52 / 12 = 8103.33

parang sweldo na rin ng isang minimum wage earner. :sweat:

pero kung gagawin ko naman every 4 weeks 1870 x 4 = 7480

sige na nga 3k na lang every kinsenas para 6k na lang every month :lol:
mukhang may mali na naman ako. dapat hindi ko sabihin ang mga balak ko :sweat:

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VincH
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Tue Dec 20, 2016 7:35 pm

hehe lagi nangyayari sakin na hindi natutuloy ang mga goals ko kapag kinukwento ko.

plano ko mag regalo ng mga alkansya sa mga inaanak ko ngayong pasko :2thumbs:
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DarkRushBeat
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Tue Dec 20, 2016 8:38 pm

My 2017 Peso Sense weekly checklist is done...Just a tad torn if 200 pa rin or i should increase it to 300 per week...Perhaps i'll compute bukas kapag meron libre oras sa work
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....


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grayfox17
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Tue Dec 20, 2016 9:10 pm

Ako simple lang paraan ko para sigurado akong makaipon. Diretso deposit agad sa bangko yung majority ng sahod tapos nag iiwan na lang ako ng sakto sa magagasta ko hanggang next sahod then iwan na lang sa bahay yung ATM. At dahil sakto lang yung budget na tinabi ko para sa sarili, iwas splurge na rin pag nasa mall ako.

FYI, binata pa ko kaya ganito ako mag budget for myself. I began doing this back in SG and so far it worked for me kahit pa meron akong monthly bills that time so I figured na ganun din gawin ko dito sa pinas. In about 6 months, give and take, nakaka 30K+ ako halos - yun eh kung todo stick talaga ako sa budget plan ko tapos walang big expenses along the way tulad ng mamahaling gadget, etc.
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DarkRushBeat
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Wed Dec 21, 2016 3:06 pm

Sa work ko ngayon we only get paid once a month (pero 1 bagsakan na sya)...Nung una skeptical ako dahil sanay na nga ako sumasahod ng kinsenas..Eventually narealize ko ok rin pala itong once a month na sahuran, mas nakakapag budget na ko for 1 whole month & meron pa ako naitatabi for me kahit konti hanggang sa maka sahod uli the following month..
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....


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grayfox17
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Wed Dec 21, 2016 4:42 pm

^ganun din sa min sa SG, once a month lang at isang bagsak na. Hindi lahat ng kumpanya pare-pareho ng petsa ng sahod pero karamihan talagang katapusan ng buwan. Mapipilitan ka talaga mag budget that way.
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VincH
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Sun Jan 08, 2017 10:38 am

naenganyo ako gawin ang 52 week peso challenge dahil sa news. tamang tama umpisa pa lang ng taon. mag se-set ako ng reminders weekly :2thumbs:

http://www.gmanetwork.com/news/video/39 ... cial-media


mukhang bull run din ang stock market this year. i hope makabawi ako this year :sweat:
saaaandaliiiii laaaaannnggg!!!
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DarkRushBeat
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Thu Jan 12, 2017 8:11 pm

I already started the 2017 Peso Sense Challenge uli..Wala naman nabago sa amount...I feel accomplished for this challenge last year...So nung bakasyon 2 weeks ago, i divided the whole amount (10k mahigit) into 2, plus yung mga napamaskuhan ng mga boys ko, and voila...Tig 7,2k sila, pati bunso ko meron na bank account & thankfully that chick at the bank gave me a passbook instead, so talagang walang withdrawal na mangyayari he he...

Now one of my challenges for 2017 is investing in stocks....Kulang pa sa puhunan pero i'll get there
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....


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grayfox17
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Thu Jan 12, 2017 10:00 pm

^naisip ko din mag invest sa stocks nung nasa SG pa ko so nagtanong tanong ako sa mga kasama ko pero nung pinaliwanag sa kin yung concept medyo nawindang ako kaya umatras na lang ako. :shock: Dalawang bagay lang na sinabi sa kin na dapat i-consider before investing in stocks: 1.) make sure may puhunan ka pambawi and 2.) don't invest your entire life savings :sweat:
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DarkRushBeat
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Fri Jan 13, 2017 4:13 pm

Saka dapat tutukan talaga when it comes to stocks...Thankfully i have a mentor (barkada kong homebased worker na 2 years na rin nag iinvest sa stocks)...Minsan yung sinasahod nya sa stocks ang ginagamit nya sa sideline nyang bags & shoes for women...
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....


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grayfox17
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Fri Jan 13, 2017 4:15 pm

tama, dapat tutukan talaga at babantayan mo. Kahit yung room mate ko noon sa SG halos puyat magdamag yan kaka-bantay sa stocks. On-call na nga sya na kahit madaling araw tinatawagan sya ng client tapos kelangan pa nya tutukan yung market. Kaya basag lagi yun eh. In perness, maganda ang payoff, dun din sya kumukuha ng delihensya para sa mga pangluho nya.
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DarkRushBeat
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Fri Jan 13, 2017 4:30 pm

grayfox17 wrote:tama, dapat tutukan talaga at babantayan mo. Kahit yung room mate ko noon sa SG halos puyat magdamag yan kaka-bantay sa stocks. On-call na nga sya na kahit madaling araw tinatawagan sya ng client tapos kelangan pa nya tutukan yung market. Kaya basag lagi yun eh. In perness, maganda ang payoff, dun din sya kumukuha ng delihensya para sa mga pangluho nya.
True...yung kaka terminate lang namin na co-worker this week, naka kuha ng 70k sa stocks...talo nga lang sya ng barkada nya, nakapag benta ng stocks worth 3 million petot...
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VincH
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Fri Jan 13, 2017 7:34 pm

^ buti pa sila kumikita. ako laki pa din ng paper loss :sweat: bull run daw ang stock market this year at mukhang magiging record high (9000+) i hope makabawi this year. :sweat:
saaaandaliiiii laaaaannnggg!!!
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