How do you BUDGET?

[angelo]

for people like me na walang control sa pera ( lalo na pag may CD SALE ang sony records hehehe ), my advise: PENSION PLAN ( hwag insurance kasi di ikaw ang makinabang kundi asawa/kamag-anak mo  kasi dead ka na )

.....kaso di ba ung Pension Plan pde ding magsara ung company or malugi so kawawa ka by the time na dapat kunin mo na ung pension mo....wala ng assurance mga plans ngaun mapa insurance, education, pension, etc. pare parehas lang yan....para ka lang naginvest sa wala at naghintay ng maturity for nothing.....two cents only....

pwede.. pero may habol ka naman kasi may contract yan so pwede ka mag demand once default yung insurance company. may mga technicality nga lang kapag chapter 11.

[janah_1027]

income(100%)-savings(30%)-tithes(10% depende sa religion)=expenses (ung matitira)

yan po tamang pag budget..

will teach u more on how to have a practical money management sa seminars namin.

like debt management, learn investments/mutual funds, etc.

for FREE naman po ung seminars..

just text me @ 0910-501-3342 (Janah)

[eLgimiker0]

income(100%)-savings(30%)-tithes(10% depende sa religion)=expenses (ung matitira)

tama! pero meron iba na dalawa ang savings. thanks sa idea

[joshgroban]

income(100%)-savings(30%)-tithes(10% depende sa religion)=expenses (ung matitira)

yan po tamang pag budget..

will teach u more on how to have a practical money management sa seminars namin.

like debt management, learn investments/mutual funds, etc.

for FREE naman po ung seminars..

just text me @ 0910-501-3342 (Janah)

gusto ko to..pm mo naman ako

[niceako]

Had a different approach on this when I started working outside the Phils:

55% - investment property
15% - food
20% - rent/utilities
10% - miscellaneous

the investment property acts as my savings...it's like forcing myself to save this percentage of my income, and put it directly in the property instead of in the bank...this way, no temptations of withdrawing the amount anytime...and I do believe that the property will appreciate more instead of just placing it in a time deposit

[joshgroban]

di ba parang nadeprive mo naman ang sarili mo nito sa mga bagay na dapat mong ienjoy kahit papano

[niceako]

^^hehe not really, i'm not the kind of person who splurges and buy things impulsively. I'm more of the domesticated type (no bars, nightouts, gimmicks, etc)...but i still get to do sporting activities, watch movies, but stuff and gadgets which i need...

maybe it's because i've set up this goal of acquiring a property and accomplishing it that's making me happy, not to mention, inspired

[joshgroban]

well im impressed...kaya mo yan kasi single ka pa naman ...once you get married lolobo usually ang expenses...unexpected expenses

[ValCaskett]

Hmm Hindi ko binibili yung mga bagay na hindi ko kailangan..

tsaka pag bumili ako palaging may function ayoko ng .. bagay na Walang SILBI

[eLgimiker0]

gagawa ng list ng mga bibilhin

[niceako]

hehe yup yup, once we get married, there'll be a big shift in priorities and expenses

[angelo]

Had a different approach on this when I started working outside the Phils:

55% - investment property
15% - food
20% - rent/utilities
10% - miscellaneous

the investment property acts as my savings...it's like forcing myself to save this percentage of my income, and put it directly in the property instead of in the bank...this way, no temptations of withdrawing the amount anytime...and I do believe that the property will appreciate more instead of just placing it in a time deposit

oo tama yan. magbago na kayo ng pananaw at wala ng silbi ang time dep much more ang CASA.
you must be making quite a hefty amount for you to save/invest on half of your monthly earnings.

[joshgroban]

katakot na nga mag time deposit these days....

[angelo]

ok lang naman ang time dep but its the safest investment. yun nga lang sobrang low returns.
kaya kadalasan para mahabol at makapagbigay sila ng magandang rate, may minimum deposit amount at tenure na sila hinihingi.
like iba 5 years pero 7% ang return. in the end parang talo ka.. para lang talaga sa perang kakalimutan mo lang.

[Dumont]

income less savings equals expenses =)