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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skp_16
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Daniel wrote: Fri Dec 29, 2017 5:03 pm Medyo mahirap na topic.

Sa 1 pamilya, may magkapatid. Yung 1 maganda ang trabaho at sweldo. Yung 1 nakadisgrasya/nadisgrasya at nagpapalaki ng anak. Yung 1 kapatid ang gumagastos para dun sa may anak. Paano kung panghabangbuhay na gastos yun?

Daming butthurt sa comments... :banghead: :facepalm:
.......
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Sn@kemaru
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^ Kaya yun iba kapatid na tumutulong sa kapatid nila, yun tuloy ang hindi na makapag-asawa/makapag-pamilya ng sarili.
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skp_16
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Here are my answers on "Why most Filipinos don't get rich?"...
1. Too much care for family. The mindset of "hindi bali nang naghihirap ako, huwag lang family ko".
2. Too much belief that money is not important. The mindset of "hindi bali nang naghihirap sa pera, basta buo at nagmamahalan ang pamilya."
3. Too much living for others. The mindset of "sila muna bago ako".

Notice that the first 2 words are always "too much".

Nothing is wrong with what I listed as long as it is not too much. I believe that too much of anything is bad. Balance giving/living for others and giving/living for yourself. In fact, you should help yourself first before helping others. About number 2, we should accept the fact money is important. It can't buy happiness but it is still important because there are some awesome life experiences that requires money.
.......
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Daniel
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applicable pa rin na too much of everything is bad.

factor din ang contentment level ng 1 tao. tulad ng sabi na "hindi bale naghihirap ako, huwag lang ang family ko" kuntento na sila na kasama ang pamilya.

kung ang gusto naman ng niya mag-travel, makabuo ng pamilya, o magtayo ng negosyo, medyo mahirap na.
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SirZap
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may tinatawag na cycle of dependecy. ASA dito, ASA dyan. hindi marunong tumindig sa sariling BACKBONE.

last 2 weeks ago narinig ko sa internet radio yung isang investor sa shark tank.

https://en.wikipedia.org/wiki/Kevin_O%27Leary he is worth $400M

and yet yung anak nya nagsusumikap ng sarili para makapag-aral sa kolehiyo.

EDIT:

just found this

https://www.cnbc.com/2017/11/16/why-sha ... money.html

EDIT #2:

hanggang college lang pala sagot nya. :sweat:
still iba pa rin sya. kasi yung iba may allowance pa rin kahit graduate na.
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Daniel
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factor din ang american culture. kapag 18 na, pinagsosolo na yung anak. sa case niya, pinatapos muna ng college. ang mahal ng college sa private school lalo kung middle class family lang.
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DarkRushBeat
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Daniel wrote: Sun Dec 31, 2017 9:31 am factor din ang american culture. kapag 18 na, pinagsosolo na yung anak. sa case niya, pinatapos muna ng college. ang mahal ng college sa private school lalo kung middle class family lang.
As per my Lola (who's already 80 plus old), ganito rin dati daw sa Pinas where when you reach 18, you have to learn to be independent & must leave home..Ewan bakit bigla nabago...
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SirZap
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meron bagong term

PERAlyzed

pag wala kang pera, wala kang gala. tulog na lang :sweat:
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Daniel
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makes pesosense
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SirZap
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another TERM: Sumakabilang-pitaka.
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skp_16
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Peso Nonsense sila dito...

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Daniel
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nag-balance ang debit at credit
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DarkRushBeat
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Ambopols naman nyan....Oo bayad nga bills mo lahat, san ka naman kukuha ng pang gastos mo sa araw-araw until next payday? Kahit single ka parang hindi applicable yan, lalo na kung pamilyado ka na....
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SirZap
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nasaan kaya yung savings? :sweat:
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DarkRushBeat
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Ewan nasan ang "sense" dito sa pinost ng The Smart Peso (another Peso Sense-like FB group)

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- Paano kung me anak si Inday na baby?
- Paano kung me pinag aaral si Inday?
- Paano kung me BF si Inday & every weekend lumalabas sila?
- Paano kung namimili si Inday ng gamit nya?
- Paano kung umuuwi si Inday each month sa kanila?

I admire the whole ipon challenge but alot of online financial advices (kuno) doesn't really make sense at all.....
Everybody wants Happiness, Nobody wants Pain...
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Daniel
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parang sinasabi na maging freeloader na lang
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skp_16
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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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^^ :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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^ 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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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...
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....


Wrestling/Handheld Games/Horror/Zombie Films/Paranormal/Basketball Shoes/Body Building


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FC: 1934-0903-9050
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