How do you guys save?

[dr. d]

i dont really like saving a lot of money. I know a lot of people do this now that's why sabi sa report eh we now have trillions of bank deposit now coz Filipinos daw are savers. for me, saving those large sums are useless coz ang dapat mong i-save is time not money. if you have money that improve you further to your goals in life, gamiten mo na. go spend it sa martials arts, personality or dancing or leadership training, that is more useful than say you are sitting in your cozy home with that false sense of security na you have a fat bank account.

for me, the only way to beat the greedy rich na lagi pinamumukha sayo na mapera sila eh is to beat them with experience and training. in that way, you live your life to the fullest and not live like you whisper things in your head na you're ok pero actually you're only ok kasi may millions ka sa time deposit or something.

Money is not Power. Power is something that can be had thru experiences. and when I say experience, hindi yun experience na nagpapa-parlor ka sa exclusive Bello place or kumain ka sa isang expensive resto o nakabile ka ng Audi SUV.

it would appear, you have lots of money.
your problems are different from the majority that are one-scratch-one-meal types, even as you are both equally as stressed.

[_Cathy_]

I don't have much savings but I have 0 debt. I save money by:

1. Paying cash to get discount
2. Taking advantage of credit card promos
3. Buying where it is cheapest (wet market for fish, fruits and veggies)
4. I don't travel if I am paying :P (yan ang malakas maka ubos ng pera - travel)
5. Owning few clothes that lasts me years (just buy classic cuts)

I'm amazed at people who are able to buy cars and houses in their 30s or even 20s. My parents were able to build a house in their 30s already and the lot was given by my Dad's parents (my parents cars still came from my grandparents then).

I really look up to people who made it independently. I am such an underachiever when it comes to finances

[uls]

i dont really like saving a lot of money. I know a lot of people do this now that's why sabi sa report eh we now have trillions of bank deposit now coz Filipinos daw are savers. for me, saving those large sums are useless coz ang dapat mong i-save is time not money. if you have money that improve you further to your goals in life, gamiten mo na. go spend it sa martials arts, personality or dancing or leadership training, that is more useful than say you are sitting in your cozy home with that false sense of security na you have a fat bank account.

for me, the only way to beat the greedy rich na lagi pinamumukha sayo na mapera sila eh is to beat them with experience and training. in that way, you live your life to the fullest and not live like you whisper things in your head na you're ok pero actually you're only ok kasi may millions ka sa time deposit or something.

Money is not Power. Power is something that can be had thru experiences. and when I say experience, hindi yun experience na nagpapa-parlor ka sa exclusive Bello place or kumain ka sa isang expensive resto o nakabile ka ng Audi SUV.

money buys you time dude

you pay people to do things for you and it frees up your time

if you're running several businesses all by yourself wala ka talaga oras

but money can buy you professional managers and secretaries

do you spend weekends doing laundry or washing your cars?

pay people to do that for you and you get your weekend back

money buys other people's time

money buys freedom

[EQAddict]

money buys you time dude

you pay people to do things for you and it frees up your time

if you're running several businesses all by yourself wala ka talaga oras

but money can buy you professional managers and secretaries

do you spend weekends doing laundry or washing your cars?

pay people to do that for you and you get your weekend back

money buys other people's time

money buys freedom

Agree 100%. Freedom to do what you WANT to do also means that you need resources to handle what NEEDS to be done (i.e. day care, house care, car care, subordinates to handle businesses and affairs). Time is not infinite. We are happy when we have time for ourselves rather than time for our jobs/chores/responsibilities.

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[EQAddict]

BTT: i landbank.

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[dr. d]

[QUOTE;2858546]money buys you time dude

you pay people to do things for you and it frees up your time

if you're running several businesses all by yourself wala ka talaga oras

but money can buy you professional managers and secretaries

do you spend weekends doing laundry or washing your cars?

pay people to do that for you and you get your weekend back

money buys other people's time

money buys freedom[/QUOTE]


carp,
if you are looking for someone to save you the time and do your vacation for you, i volunteer!

[rudy_corolla]

How do you do this sir?
Do you pay directly to Pag-Ibig?
Is it difficult to "withdraw" your money?

parang last night ko lang nakita sa news na pwedeng magdagdag sa Pag-ibig, di ba fixed lang contribution dito?
kung employed, paano sasabihin sa company kasi alam ko may contribution din sila.
magkano pala interest rate nila?

[dr. d]

parang last night ko lang nakita sa news na pwedeng magdagdag sa Pag-ibig, di ba fixed lang contribution dito?
kung employed, paano sasabihin sa company kasi alam ko may contribution din sila.
magkano pala interest rate nila?

go/talk to your company accounting office, po. they might be able to save you some footwork.

[_Qwerty_]

there are 2 ways to do this.. yung una i increasan mo lang yung monthly mo, just talk to your HR.. tell them magkano deduction gusto mo.. then they will deduct and remit it to Pagibig.. dito you can only withdraw pag naka 240 months contribution ka.. yung withdrawal will take 1 month processing until you get the cheque.

yung 2nd way eh yung Pagibig MP2 program nila.. eto eh exclusive savings lang.. pero you have to pay directly sa pagibig or sa bank.. this one has 5 years minimum contract.. parang time deposit..

How do you do this sir?
Do you pay directly to Pag-Ibig?
Is it difficult to "withdraw" your money?

[cast_no_shadow]

yung 2nd way eh yung Pagibig MP2 program nila.. eto eh exclusive savings lang.. pero you have to pay directly sa pagibig or sa bank.. this one has 5 years minimum contract.. parang time deposit..

Our HR offered that MP2 program, monthly ang contri ko is 1K and yes for 5 years yun.

On the 62nd month kinuha ko na, almost 70K din proceeds.


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[minicarph]

money buys you time dude

you pay people to do things for you and it frees up your time

if you're running several businesses all by yourself wala ka talaga oras

but money can buy you professional managers and secretaries

do you spend weekends doing laundry or washing your cars?

pay people to do that for you and you get your weekend back

money buys other people's time

money buys freedom

parang yun sabi ni Trump. Businessman uses OPT. other people's time. Investor uses OPM - other peoples money. A true entrepreneur juggles both. hehe

[pinkfortec192]

matinding disiplina lang talaga. pag dumating ang sahod mag tabi na agad para sa ipon.