Pinoy PlayStation

I found myself happier when I started buying/paying for what I want, but on a budget. Dati kuripot ako. Ayaw ko maglabas ng pera kahit kailangan. Kahit sobrang gusto ko yung bagay o sumama sa trip/kainan/inuman, hindi ko parin binibili or gagawa ng rason para hindi sumama...kasi gastos lang. Pero naisip ko...life is short and anytime pwede may mangyari sa akin. You don't know what can happen to you tomorrow, next week, next month, next year, years from now. Parami ng parami ang naririnig kong stories na marami ngang naipon na pera pero hindi na ma-enjoy.

One thing I recommend na wag kuripotin is travel. Maraming ng paraan ngayon to travel on a budget. If you are into traveling, don't put it off in the future kasi maraming pwedeng mangyari that can make traveling harder or not possible anymore. Read travel blogs. Maraming tips on how to save before and while traveling. Travel while young and able. Travel like a backpacker, not like a typical tourist. Hehe.

The only Peso Sense post that I agree

Kaya nga..

Trabaho, Ipon, Travel, Enjoy!

he he he

Travelling is really not my thing . Taong bahay lang talaga ako. Kahit dati sa abroad yung mga pinsan ko at kasama ko sa work madalas maka-travel ako lang ang hindi. Gumagawa na lang ako reason like nag uuwi ng work or may OT para lang hindi ako kulitin. Langya, kahit nga lang mag bakasyon para umuwi noon ng pinas ayaw ko eh. Pero ang totoo, nanghihinayang lang ako sa gastusin at sa oras. Hindi kasi ako makakapag enjoy at mapapahinga pag one week leave lang - naiipon lang ang trabaho eh. I honestly find enjoyment once i have finished the things I needed to do. Personal preference ko lang talaga to mula't sapul pa. So that's like borderline kuripot <-> frugal in some sense.

Agree about travel. Mas madali nga ngayon dahil maraming budget airlines.

Yung sa RPG sa tingin nyo pwedeng praktisan ng money management?

Ano? Bibilhin ko ba itong armor na ito? Ito yung pinakamalakas ang defense pero pinakamahal. Pag nabili ko ito, wala na akong extra gil/credit pambili ng weapon.

Daniel wrote: ↑Fri Mar 10, 2017 11:31 pm
Yung sa RPG sa tingin nyo pwedeng praktisan ng money management?

Isn't that what we're doing already? You technically do "fetch" quests in real life in order to gain money and experience di ba? Pag wala ka gil or xp, tyaga ka sa low tier gears pero pag leveled up ka na, wantusawa ka bumili ng malalakas na gamit tapos lahat ng items mo 99pcs agad. Malakas pa loob mo makipag sabayan sa mga big time na kalaban .

anyway....

skp_16 wrote: ↑Fri Mar 10, 2017 3:15 am I found myself happier when I started buying/paying for what I want, but on a budget. Dati kuripot ako. Ayaw ko maglabas ng pera kahit kailangan. Kahit sobrang gusto ko yung bagay o sumama sa trip/kainan/inuman, hindi ko parin binibili or gagawa ng rason para hindi sumama...kasi gastos lang. Pero naisip ko...life is short and anytime pwede may mangyari sa akin. You don't know what can happen to you tomorrow, next week, next month, next year, years from now. Parami ng parami ang naririnig kong stories na marami ngang naipon na pera pero hindi na ma-enjoy.

One thing I recommend na wag kuripotin is travel. Maraming ng paraan ngayon to travel on a budget. If you are into traveling, don't put it off in the future kasi maraming pwedeng mangyari that can make traveling harder or not possible anymore. Read travel blogs. Maraming tips on how to save before and while traveling. Travel while young and able. Travel like a backpacker, not like a typical tourist. Hehe.

The only Peso Sense post that I agree
[image here]

priorities lang naman yan. proper budgeting. daming ways mag-travel. kung may work ka, its a matter of bugdeting also your time, yung pag-file ng leaves.

Ako din rin naman mahilig sa travel. Unang una wala naman ako sariling wheels, di bale sana kung meron..2nd, baka matambakan ako ng work pagbalik ko...3rd, maghahanap ako ng cheapest options, si Kumander naman magpipilit ng mahal na options...He he he...

I think the only time or travel i ever made away from work is when i went to Thailand last Nov 2015....

grayfox17 wrote: ↑Sat Mar 11, 2017 4:55 pm

Daniel wrote: ↑Fri Mar 10, 2017 11:31 pm
Yung sa RPG sa tingin nyo pwedeng praktisan ng money management?

Isn't that what we're doing already? You technically do "fetch" quests in real life in order to gain money and experience di ba? Pag wala ka gil or xp, tyaga ka sa low tier gears pero pag leveled up ka na, wantusawa ka bumili ng malalakas na gamit tapos lahat ng items mo 99pcs agad. Malakas pa loob mo makipag sabayan sa mga big time na kalaban .

anyway....

low gear = ukay-ukay clothes, cdr-king gadgets, 3-1 coffee, cherry mobile ang phone mo
pag naka-level-up la na... starbucks na coffee mo at naka-iphone ka na

& puro Uni Qlo na clothes mo he he he, hindi na Ukay-ukay....

Sinabihan ko din si Kumander na once yari na yung bahay namin, lahat ng klaseng pagtitipid e kailangan itry, lalo na sa utility bills...Kaya bibili ako ng ref, pero maliit lang he he...

grayfox17 wrote: ↑Sat Mar 11, 2017 4:55 pm

For me medyo malungkot pakinggan yung "I will save you tomorrow" in a sense na parang sa medical/health bills mapupunta ang naipon.

If you have more than enough money to spend for your life goals (travel, car, house, business, etc), go for it asap.

sabi nga nag barkada ko pag naka level up na sa real life

SirZap wrote: ↑Sat Mar 11, 2017 8:50 pm low gear = ukay-ukay clothes, cdr-king gadgets, 3-1 coffee, cherry mobile ang phone mo
pag naka-level-up la na... starbucks na coffee mo at naka-iphone ka na

Ganyan naman talaga ang normal na sistema sa paghawak ng pera - pag nakaluwag then bili ka ng something to reward yourself. Ang problema lang yung pag control sa expenses. Bibili ng gusto pero magkano na lang ang matitira sa pangtustos sa araw-araw.

skp_16 wrote: ↑Sat Mar 11, 2017 9:25 pm For me medyo malungkot pakinggan yung "I will save you tomorrow" in a sense na parang sa medical/health bills mapupunta ang naipon.

If you have more than enough money to spend for your life goals (travel, car, house, business, etc), go for it asap.

In a sense, parang ganito lang din ang gusto nyan ipahiwatig: Ipunin mo ko ngayon para sa hinaharap meron ka madudukot pag nangailangan ka na - mapa-medical expenses man or any other situations you deemed as "emergency."

Madali na lang din kasi maka-acquire ng bahay at kotse ngayon. Mag loan ka lang sa bangko para pang down oks na, problema na lang yung pang monthly dahil tinitingnan din dyan yung capacity to pay ng borrower lalo pa't sa sahod magdedepende ang approval ng loan amount mo. Swerte mo kung maaprubahan ka kung ang monthly mo is less than 30K, madalas atleast 40K and above ang monthly salary nung mga naaprubahan.

Buti sana kung may budget ang isang tao na afford mag isang bagsak ng house and lot pero sa panahon ngayon, at dito pa sa pinas, medyo mahirap ma-achieve yun.

SirZap wrote: ↑Sat Mar 11, 2017 9:30 pm

At pag naubusan ng cash, eto naman ang laging sasabihin ng konsensya mo ...

DarkRushBeat wrote: ↑Sat Mar 11, 2017 8:16 pm Ako din rin naman mahilig sa travel. Unang una wala naman ako sariling wheels, di bale sana kung meron..2nd, baka matambakan ako ng work pagbalik ko...3rd, maghahanap ako ng cheapest options, si Kumander naman magpipilit ng mahal na options...He he he...

I think the only time or travel i ever made away from work is when i went to Thailand last Nov 2015....

Yan yung reason kung bakit mas gusto mag solo travel hehe. Iba iba kasi ang gusto ng tao pag dating travel. I travel to learn and know more about the place, its culture, its people and their lifestyle, and to meet other travelers. Syempre kasama narin doon ang sightseeing and eating local foods. Pag nagta-travel ako medyo parang backpacker.

For some people naman...travel = vacation. Sightseeing tsaka kain lang itinerary nila.

Back to usapang pera, I think I don't want to have kids. Marami kasi akong travel goals. Mas gusto ko sa travel mapunta ang pera ko kesa sa pagpalaki ng bata. Ewan ko kung selfish yun o hindi, pero kanya-kanyang buhay naman yan hehe. Parangap ko kasi maging full-time travel writer/blogger at medyo travel photographer narin.

skp_16 wrote: ↑Sat Mar 11, 2017 9:25 pm For me medyo malungkot pakinggan yung "I will save you tomorrow" in a sense na parang sa medical/health bills mapupunta ang naipon.

If you have more than enough money to spend for your life goals (travel, car, house, business, etc), go for it asap.

1. may experience ka na ba na kailagan mo ng pera dahil sa unforeseen events like accidents or sickness? if so, ano ginawa mo?
2. nagkulang ka ba sa ng funds? if so anong gingawa para may preparation ka sa susunod na pangyayari?
3. naranasan mo ba na ilang buwan kang walang income? again, anong ginawa mo?

if you find the phrase "I will save you tomorrow" in a negative way you can change your term of that fund in positive terms like buffer, extra, relaxation, etc.

I prefer to use "buffer fund"

if you think about it, yung #1 can be covered by insurance.

SirZap wrote: ↑Sun Mar 12, 2017 1:29 am

skp_16 wrote: ↑Sat Mar 11, 2017 9:25 pm For me medyo malungkot pakinggan yung "I will save you tomorrow" in a sense na parang sa medical/health bills mapupunta ang naipon.

If you have more than enough money to spend for your life goals (travel, car, house, business, etc), go for it asap.

1. may experience ka na ba na kailagan mo ng pera dahil sa unforeseen events like accidents or sickness? if so, ano ginawa mo?
2. nagkulang ka ba sa ng funds? if so anong gingawa para may preparation ka sa susunod na pangyayari?
3. naranasan mo ba na ilang buwan kang walang income? again, anong ginawa mo?

if you find the phrase "I will save you tomorrow" in a negative way you can change your term of that fund in positive terms like buffer, extra, relaxation, etc.

I prefer to use "buffer fund"

if you think about it, yung #1 can be covered by insurance.

Like I said..."in a sense"

skp_16 wrote: ↑Sun Mar 12, 2017 4:10 am Like I said..."in a sense"

like peso sense

seriously.... ganun na nga yun point. pero hindi lang medical expenses. there are other unforeseen expenses.

Ang umasa sa mga anak balang araw ang ayoko mangyari sa lahat...I want my 2 boys to live lives of their own...Ayokong dadating yung panahon na meron na silang mga pamilya e naka asa kami sa mga bigay nila...Sinabi ko ke Kumander kung kinakailangan namin mag sari-sari store pagtanda namin, then so be it...Ayoko yung point na oobligahin ang mga anak na magbigay....Kaya etong iniipon ko sa aking mahiwagang alkansya na me sticker ni Gwen Garci, this is for the days ahead kapag its time for me to retire from working...

And 1 final thought for the day, financially




Agree ako sa dedication at discipline....Meron akong sinubukan iinfluence using Peso Sense Ipon Challenge for 2016, after a few months nag give up, hindi raw kaya, kahit 20.00 or 50.00 a week lang...

It is all about balance. Save for the future but spend also for the present. Wag puro save save save for the future kasi baka hindi ka naman umabot sa future, wag rin spend spend spend now kasi yari ka sa future kung umabot ka. Hehe.

In the end, we save to spend.

sabi nga nung officemate ko "personal finance is now a required life skill". di daw tulad noon na kapag nagkatrabaho ka sapat na yun para ka mabuhay.


to add: may na-sign si ex-pres. ng EO to promote financial literacy

http://www.philstar.com/business/2015/0 ... ship-among

http://www.bworldonline.com/content.php ... &id=129038

Everytime na sinasabi ng mga tao sa paligid ko na "hindi mo madadala sa hukay ang pera mo!" parang ang dating sa kin is either insecure sila na may ipon ako that I can use freely or naiinis lang sila kasi hindi maka kubra sa kin...