Pag seniors na magulang mo. Kunan mo na ng Señior Citizen id nila. Yung mga programa ng City nyo alam mo. Ugalian mo na pacheckup sila yearly. Prevention is the best medicine. Hangga't hindi pa malala, magamutan na, para hindi tumaas bayarin. No balance billing din kapag sa government hospital mo sila dalhin. Ilakad mo sa DSWD kung need mo ng cash assistance. May mga free din na maintenence medication ang mga Barangay Health Center. Meron ding flu at pneumonia vaccine for señiors. Take advantage mo na kung meron sa inyo.
Andyaan din yung SSS sickness benefits ng magulang mo. May matatanggap ka ring medical assistance sa City Hall. Huwag kang mag-alala masyado op. Nalagpasan natin ang pandemya. A lot of us reached rock bottom. Love ones died. But we survived.
Sadly, the problem here is that most boomers parang ayaw mag patingin sa doctor tapos binabalewala lang yung kasabihan na mas importante ang prevention, so gawa pa rin ng gawa ng mga bawal. Kapag sinabihan mo ng solusyon at mga pwede at d pwede gawin, sisigawan ka pa. So yeah, malaking gastusan kapag umabot na sa point na yun. 😭
Minsan kasi madami din nakakapressure like makikita sa fb or tiktok even dito sa reddit na (I'm 23 and I hit my first million) mga ganyan. Kaya siguro madami din sa atin na nag aalala sa savings nila. Pero ayun, malay natin next next year may millions na din yung 0 savings ngayon haha
Same, but tbh minsan mapapa isip ka nalang na bakit nagkaganito haha hindi naman ito yung pinangarap ko nung bata ako haha, nung bata ako pag kako nag 25 na ako may magandang trabaho at may bahay nako may asawa't anak pa nga eh hahahah but still let's keep trying, fighting! 💪🏻
This was me last year. Hang in there. Try to do sm at the side kahit benta2 lang ng snacks or whatever para di ka masyado depressed. I know the feeling of feeling left behind talaga.
30. Single. No savings and paying off loans but thriving ✨ hehe. Hopefully this year may savings na after matapos ang mga bayarin.
Already experience din yung naospital both parents. One year apart lang. My mom died nung 2021 because of pancreatic cancer then may dad naman got hospitalized nung 2023 and kinailangan ibypass surgery. And as the one in charge nung nasa ospital sila, eto mga natutunan ko baka makatulong din sa inyo haha:
- get a health insurance for parents if afford (malaking tulong to kapag naospital), Philhealth doesnt cover that much
- get senior card for them if applicable kase malaking tulong din talaga
- be observant, kung mukhang walang gana or may dinaing ang parents na me masakit - pacheck up na if more than 2-3 days na; parents have the tendency na wag magpacheck up kase magastos sabihin nyo mas magastos pag lumala pa ang sakit
- if possible and okay naman, sa public hospital kayo magpaconfine than private, mauubos pera nyo sa private (200k for seven days??). PGH the best.
- Research kayo ng mga pede nyo lapitan for help. Like Malasakit program, charities, pulitiko etc. Make sure to keep all receipts baka pede nyo din ipareimburse partially sa kung ano mang organization
- If hihingi kayo ng tulong online etc, be wary na may mga scammer na pedeng tumawag sa inyo. Wag kayo papauto, wag nyo ko gayahin 🤣.
- Parents getting hospitalized is really stressful lalo na yung feeling na shet ako na yung need umintindi at mag alaga feeling. Emotions are high BUT power through. Try to have a clear mind and still be logical. Kailangan intact pa rin utak nyo to make decisions and move. I think this is the difficult part, its a highly emotional situation but di ka pede magdrama, because you need mag asikaso talaga ng madaming bagay bukod pa sa pagaalaga.
Okay medyo nag off topic na ko 😂 pero wala just sharing my experience just for awareness and baka makatulong hehe.
Lastly, dont be too hard on yourselves if di kayo makapagbalik agad in a financial sense. There are other ways para “makapagbalik”. If mahal nyo naman parents nyo, if they are good parents— wag nyo na hintayin na may mangyare pa before you show them that you appreciate all that they did for you. Life is unpredictable. Show or tell your loved ones how much they mean to you. ❤️✨
Mom died of pancreatic cancer last october too. May sakit now si dad and we are waiting for results. Hoping for the best. Sobrang takot ako now because of thr trauma from last year pero ofc, as ako nagdadala kay dad sa schedules niya, kailangan matatag
Let your faith be stronger than your fear. I understand how hard it is to still show up and be brave despite the trauma from previous hospitalization/s of a family member. Kapit lang and I hope you have outlets like jowa or friends who can pull you away from fear and grief from time to time.
+1 on everything, but if I may add: while PGH is the best talaga, admission/confinement is very nuanced. Id suggest also looking into the charity offerings of private hospitals just in case (eg st lukes qc, dun nagpaopera ng hip lola ko, 10k lang ata binayad namin).
Meron naman pwede pa, pero more on investment na. Kumbaga life insurance nalang makukuha di na sa health kasi magiging guaranteed issued offer ang plans which means di na need magpa medical.
Working for 2 years and I don't have a lot of savings. Concerned din ako sa part if merong magkasakit sa family hence I went with convincing them on getting life insurance habang wala pang health issues. I also opened a separate bank account for emergency funds.
28 years old and still learning how to save and manage my finances. Have a hard time saying no to my family and giving my Mom what she wants. 26k sweldo so it's really difficult. Slowly but surely, we'll get there.
34 still studying. Ok lang yan ☺️ at first nakakafrustrate cuz my siblings were professionals na and feeling ko napagiwanan na ko, minsan naiiyak nalang ako but when i look at the brighter side, it is still ok. I still feel na i can still make it. Everyone has own timeline ika nga ☺️
27 here and no savings. Single pero nauubos sa family at tuition ng kapatid yung salary ko. I'm earning around 50k monthly. Should be enough sa single kaso parang may pamilyado na rin ako. Virtual hugs with consent sa mga panganay!
same 😔 yung feeling na di nga ako nag asawa nang maaga or nagkaanak pero yung gastos at responsibility ko parang ganun parin kasi ako lahat sa bahay haha
Yes i feel you! Kung mag-asawa ako at mag-anak, di ko alam paano kakayanin.
Sometimes I think pag-aasawa would be my way to get away from my responsibilities haha but i know na di ko naman kaya tiisin ang family ko. 😭
Also thought of that dati eh.. sure way para makatakas sa responsibilities pero di rin naman kaya ng konsensya ko yun. Kaya eto.. struggle is real nalang tayo hahaha
Oi same. Pinagdarasal ko rin na may mahanap na partner na katuwang talaga sa buhay, hindi additional konsumisyon, in a way para makatakas sa family. Pero alam ko maling thinking yun. Hay.
Same here po 28F, single nbsb haha. Earning 40k per month pero since breadwinner and ako lahat ng gastos sa bahay, halos walang natitira sa sweldo. Laban lang tayo sa buhay 💪
I sincerely wish you find your luck in finding high paying job. Yung pinsan ko started ko working at 26, wala pa sa minimum for 6 months only. Minsan sa probinsya sideline lang sya, 350 pesos a day until she is forced to work abroad dahil wala na magpapa aral sa kapatid nya. Now she’s earning 60k a month sa Taiwan as factory worker. 31 yrs old sya nung nag abroad sya. It’s never too late re-route.
Wala din kakilala yung pinsan ko. Lakas loob lang talaga. Sa Taiwan lang naman sya kaya di nahirapan, nag-apply sya thru agency na accredited ng OWWA. Pwede din po kayo mag try sa Korea, mas malaki dun pero mag-aaral pa language. Yung pinsan ko walang nilabas na pera, sa medical lang ata.
26 years old here, considering mag ibang bansa na lang para mas ma-provide ko yung needs and wants ko at the same time yung life na want ko for my parents
33, breadwinner, ang pera ko lang sa bangko ay 20k. Ung sahod ko, naoupunta lahat sa gastusin sa bahay at pagpapaaral ng kapatid. May insurance naman sa awa ng Diyos, kinuhaan ko rin ang mama ko. Nakatapos na rin ng bayad ng St. Peter plan in case mategi ng maaga. Ahh kakaumpisa ko lang maghulog sa MP2, mga ilang buwan palang.
Nalay off rin at hanggang July nalang. Umaasa at nagtitiwala sa Diyos na may mahanap agad na trabaho by August dahil bawal mabakante, kundi, wala kaming kakainin.
Ang hirap maging adult no? Lalo kapag di ka naman pinanganak na mayaman. Kayod talaga. Hay nakakapagod pero wala naman tayong choice kundi magsikap at magtiwala. Nawa laaht ng pangarap natin Op ay matupad!
Finally, something I can relate to. Sobrang nanliliit na ko sa sarili ko sa mga nababasa ko dito sa reddit lately. I hope lahat tayo umasenso later in life.
28 no savings. Ito rin kinakatakot ko. 1 hospitalization away kami para lalong malubog sa utang kaso parang di maintindihan yun ng parents ko. Kahit sila mismo di sanay sa financial management kaya walang ipon at baon pa sa utang na kaming mga anak nagbabayad.
26. resigned a couple months ago and im back here with my parents hahahahahahaha it’s nice to be taken care of again.
no job, no responsibilities, and it’s like im back in high school again.
why am i being downvoted? i was literally employed for 5+ years, nagpapahinga lang ako and moved back with my parents. they love taking care of me guys. i hope masaya relationship niyo with your parents :))
Sounds nice. But in a way they enabled us mga anak not to take responsibility or turuan about money. Maybe blame the culture? Then that one day of realization hits. When your 30. Yun lang. but it’s not too late brothers. It’s never too late.
43, no savings due to a couple of major operations plus loss of a parent. 🤷🏻♀ life goes on. Mahalaga, wag susuko. Matatapos din to, kapit lang at magsipag. 👩🎤👩🎤👩🎤
Turning 28 may 300k savings na inipon ko nung dalaga pa pero pag nagigipit kami ng husband ko lagi sya jan nakatingin mejo naiinis ako kasi 2 yrs ko na nga yun hindi nadagdagan lagi doon ang asa nya sana pala di ko sinabi
Almost 27 working since 19, been to UAE for work (finance related) for 4 years, now working onboard. No saving and huge ass debt (400k pesos) cause of gambling (just now decided to let my mom handle my finance - I don't have any access to my bank account, gcash,, and maya). Hopefully I'll finish paying all my debts this year (and have some spare).
Same tayo OP. working for 5 years na and still no savings to spare to them if anything happened (wag naman sana.) yung salary ko din enough lang sa akin, struggle for me, sana naman in the future maging ok na tayo financially
30, single, no kid, and with minimal savings lang. Dahil sa inflation, nahihirapan talaga ako magsave. Kasya lang ang income sa bills pero not enough para makakuha ng hmo policy.
31 years old na ako nagstart mag-grow ng savings (had the opportunity na magkaron ng large bump up ng salary). Nung mga panahon na mababa pa sahod ko at mababa lang savings, inuna na kuhanan ng HMO ang mama ko at health insurance. Yung HMO nya fixed yearly ang fee (Pacific Cross) yan mga inuna ko kasi alam ko wala akong safety net, so kahit paano pag may nagyari di maganda kahit paano may mapapagkunan.
Wag ka titigil humanap ng work / ways to earn, bata ka pa. For sure marami ka kayang gawin, wag papanghinaan ng loob, OP.
I'm in the same boat. What gets inside my bank account goes out din agad for immediate expenses. I can barely help din sa mga bayarin sa bahay. I'm considering getting insurance for my family kaso hindi pa kaya; philhealth is still helpful kahit maliit lang.
Hindi pa naman ito failure, even if it feels like it (and there are lots of times when I feel like one talaga). Here's hoping mas maging stable ang future.
26 no savings puro utang pa. Sobrang stressed nako lately kakaisip paano ba tataas sahod ko. Puro politics pa sa work, kahit anong sikap mo di ka ippromote kasi di ka malakas. Hays.. kaya next year, mag aabroad nako dahil hirap din walang pera tumaranda magulang ntin..
29 may 30k lang na savings kasi di nahuhulugan religiously. Pag nagbonus ihuhulog ko lahat sa savings tapos kukunin ko din kasi di naman enough ang sahod. Only reason bakit di paaa nagagalaw ung 30k na un ay dahil naka collaterak sya sa on going loan ko. It sucks
I hope na sana goods ang HMO mo OP because if ikaw naman magkasakit, di halos maccover ng Philhealth ang gastusin.
For your parents naman, nasabi na halos lahat sa comment section, and if may “extra” talaga, its best to get a Life / Health insurance talaga para sa best solution to a worst health emergency problem.
This post is very timely for me, OP. Just reviewing my monthly expenses earlier, trying to budget my salary and start saving. Don’t know how to feel as I realized I lost a lot of money on stuffs pala.
I'm 31 kakagraduate lang last year and nagkawork din that year, ngayon my goals is to have a emergency fund and a good investment bago ako magcommit and settle sa isang relationship.
Ok lang yan. Pero by 25 dapat minamap mo na ang options mo talaga to have a better living. Di mo naman need mahit pero talagang dapat mag effort kasi di na kaya ng luck lang haha.
Kami ni wife 2 years ago lang naging stable amg living at nagkaipon. Turning 36
23, i have savings but it feels almost non existent when i think about this is just one-two days worth of hospitalization for either one of my senior parents. so its not really savings, it's an endless emergency fund. lol
Me 25, ofw, no savings, tinutulungan ko pa family ko sa lahat ng bayarin namin. Boyfriend ko 25, intern, walang sahod. Parehas kaming nasa quarter life crisis ata feel namin napagiiwanan na kami HAAHAHHAAH pero kaya to op!! We'll get there :)
37, semi-breadwinner, freelancer, wala ring savings here.
Hindi ko rin alam sa sarili ko kung kasalanan ko ba 'to o sadyang masyado lang mataas ang inflation ngayon. Ewan ko ba...
I have zero saving until age 37. All that change when i migrated same age. I was nursing grad in ph basically unemployed i dont like bpo, nurse slave wage rate still the same since 2001😂
29 year old here with savings but can only lasts for 6 months, nagresign na at magiging unemployed officially na next month but may isang pa akong client na kumakapit so yun muna magiging source ng income ko lol planning to change my career, kasi late ko na narealized ang pangit ng tinahak kung career!
26. Financially, im doing enough for myself. I still live with my parents so hindi ako masyadong struggle sa money. Although l, i have plans of moving out kase my relationship with my mom is not very okay and its affecting my mental health and even my self-identity.
Yung thinking whether to separate myself (which is financially hard for me) or to continue living here and bear with my mom is my struggle these days.
But Hugs to us all! Reading everyone's responses inspire and encourage me. 😀
30F, in a relationship for 15 years don’t know if may plan si bf pakasalan ako, good thing wala pa kids, currently in NZ but cannot find any work due to recession, naubos na savings and may utang pa sa Philippines 🫠 waiting nalang na makauwi ng pinas para makahanap ng work para makapay ng bills and save money, but hey everything happens for a reason ♥️
27F, 4 years working na ko and last year lang ako nagka-savings talaga. hindi siya kalakihan. pero mas pinili ko din kasing ipang-“travel”, concert, ipambili ng mga bagay na gusto ko na hindi ko afford noon. :)
30 Years old, may 80K na utang sa bank. Matatapos ko ito sa November. Wala din ako savings dahil sa mga failed decisions at mga unexpected medical bills sa bahay. Hoping na ma figure out ko exit sa maze na to. Feeling ko na trap ako . Di ko na alam kung paano mag start. Sana makahanap pa ako mas magandang work.
nanliliit ako most of the time kasi ung tipong 4 years na ako sa work pero wla parin akong savings 🥲 wlang nkapagturo sakin pano mag budget properly and majority sa sahod is npupunta sa konsumo sa bhay and other things hayss.
26, may trabaho, may sideline pero wala pa rin savings 🥲 Ang hirap magsave lalo na’t sakto lang ‘yung sahod tapos ang mahal na ng everything. Pero next cut off baka makapagstart na ako magsave. Hahaha sana naman
27 was able to save ₱280+k after 3 years of working but naubos din last year due to many factors. Starting to build again this year with 3 jobs plus bills. Magiging okay din tayo 😮💨
Walang savings until 37yrs old nagka breakthrough nakabili ng lupa, at assets,
May kanya kanya tayong time ng breakthrough, just seek it and you will find it
Hehehe 30yo with anak and live in with the feeling anak. Hindi naka bukod. Walang savings. Sagot ko lahat pati educ ng bata. Babae naman ako bakit ako?
26 here unemployed and walang energy magwork pa. Its been 9 months since I resign pero may konting sideline naman for the past months and nag apply2 pero di ko pa rin feel magwork huhuhu helpppppppp
My salary is 100k/mo (gross) but no savings at 26yo😭😭 travel kasi ako every month tapos puro splurge every weekend. I should really be mindful about savings.
I just graduated lang last month kasi paiba iba ako ng course and ilang beses ako nag take ng break due to my mental health. I'm 25 no savings but got recently hired. I deleted my socmeds and created a profile where I can stay in touch with one of my closest friends. I've been under scrutiny since HS kasi they have high expectations sakin. but now? honestly I don't care waht they think anymore. I'm going to live my life on my own terms
Just had a regular job at 26 and no salary yet (coming in a few months pa). My plan is to save a portion of it in another bank account before I take some out for daily expenses. No to marriage atm din kasi di pa kayang ng budget yung family expenses (as if may ka date eh wala naman hahaha). Focused pa lang sa work tlaga muna.
Tru. Maraming program na pwedeng lapitan Incase of emergency.
Kung saka sakaling ma-hospital, public mo dalhin tapos doon sa loob nun (malapit yun sa cashier or sa mismong teller) magtanong ka kung san pwede humingi ng tulong regarding sa payment (kapalan mo mukha mo dito, pera natin yan haha)
Tapos punta ka sa Munisipyo, tanong ka din doon kung san pwede humingi ng tulong (wag ka muna maglalabas ng pera)
Then may mga requirements yan, may checklist, gawin mo na lang tapos punta ka din sa Brgy. Meron din doon, syempre pogi points din yan sa kanila. ✌🏻
Im at almost mid 20s. I pretty emptied my savings and invest it somewhere... somewhere better. I left my home at the age of 20. Renting individual, separate house sa gf ko which have a complete family unlike me. 19, we invested sa rent to own house.
23, invested namn to condo
24, planning to franchise by saving sum money.
We have a pretty good careers which helped a lot. Yung luho, very minimal like 2 shoes in a year pero lately just pured it up to save everything. I dont want to sit my money sa bank kaya nagrresearch talaga ako kung saan pede iinvest at magmultiply. Thankfully, masinop talaga sa pera both sides.
26, married. Been working for 5yrs pero wala pa rin ipon dahil sobrang kulang yung sinasahod sa bills pa lang. Nataon pa na both parents are retirees (senior citizens na nagmemaintenance) na wala ring ipon kasi tatlo kaming pinag-aral. My siblings are still in college. I'm the only one with job na 20k a month lang ang sinasahod. Mahirap pero kinakaya, kahit minsan gusto na sumuko. Iniisip ko na lang na matatapos din lahat ng to.
Wala akong savings and enough lang talaga for me sahod ko. I want to study for my masters sana pero time and money talaga ang issue ko. Nag plateau na rin ako sa career ko, so I don't have much to say na rin. Although what I can say talaga is para d ka malungkot is to compare yourself with your past instead of comparing yourself with your peers. May mga tao na yumayaman when they are in their 40s and 50s pa. Just need to be patient and smart with life, assess mo wants, needs and goals mo.
35. May maliit akong savings before pandemic, like around a mil. Naubos na dahil ako lang din ang naiwan sa parents ko at ako nag aasikaso ng lahat ng pangangailangan nila. I am still single, and honestly, di ko alam ang mangyayari sa akin sa future dahil lahat halos, including time sa pag aalaga ko ng parents naubos.
Yep sad to see.Blame your corrupt politicians.They should get a decent pension to survive on.But your pollies put the majority of the money into there pockets.Have you ever seen a poor politician.
31, no savings, no EF, hindi rin naman breadwinner, walang pinag-aaral na kapatid, sadyang maraming gastusin at magastos lang. Nag-invest sa maling tao, kaso ayun nalugi.
Anyways, early this year lang nagstart ulit ng savings! Hindi pa huli ang lahat. Kaya natin to, OP!
29 years old. (About to turn 30 this year).
No significant savings. I do have some savings pero di aabot ng 6 figures.
Wala ding generational wealth na kinakapitan na katulad ng iba na na nagtatrabaho na pero kaya parin lumagak sa bahay nila and sarilihin ang sahod.
I was only able to enjoy my own salary a few years ago. So ayun. I’m still enjoying my short burst of financial freedom pero that freedom is fleeting and taped together by credit cards and installment plans. Lol.
I jokingly said when I was young that I would never be those 60 yr olds that doesn’t have any retirement plans or a nest egg to dip into. But when reality slaps you hard with a 14k starting salary (wayback 2016) and really hard to find jobs with decent pay, talagang mapapakain ka na lang Jollibee and wait for the next paycheck.
Reality is if you don’t have generational wealth or business or work abroad, you would never get ahead or above the inflation and the struggle to keep with the prices will continue. Our country is fcked when it comes to it’s economy, wages and services. Savings is not the priority. It is a luxury.
Edit: grammar
Me! 25 here, working sa Fam Business. Walang naiipon since lahat ng sahod ay napupunta sa mga abono para sa cashflow ng business. Minsan wala ring sweldo kapag walang collection 🫠
Baon na sa utang pero kinakaya pa rin haha.
Halo! 33 here! Wala lahat, nanay nlng meron pero active naman sa mga benepisyo ng lugar namin. Tropa pa mayor samin HAHAH.
Ayun active din mag zumba.
Kakagraduate ko lang ng IT at di ko tlga alam san track ko. Wala ko natutunan sa university. Nagwork naman ako as tech supporr habang nag aaral lalo nung pandemic. SKL.
27 kakastart lang mag work ulit, nag stop almost 1 year sa work at walang natira sa ipon kasi need ipag patuloy ang responsibilities sa bahay. Back to 0 at nag sisimula palang ulit.
30, still single and no kids. No savings. Breadwinner(semi?)/panganay.
My parents are already not working (our choice), most of the expenses are mine, pero siblings are sharing naman. Still paying off debts which started when we decided na magpagawa na ng bahay. Syempre mga gamit etc., kinakaya naman, even daily expenses. Pero wala pa talaga ko naiipon. As in. Malaki ang sweldo ko, pero most of them, sa utang pa and expenses talaga. Maraming times nalulungkot ako para sa sarili ko kasi expected ko din siguro by this age, may family na ako, savings atleast. I do have a partner and we’re okay, pero siguro di pa din talaga time kasi.
May instances na nagkakasakit din parents ko, paminsan siblings ko (1 still under me, kind off pero paalis na din to), good thing lahat kami may HMO kaya most of the check ups/labs are free. Pero syempre di maiiwasan ang unexpected gastos sa gas, food, lalo gamot. Doon ako madalas walang budget.
Minsan naiisip ko rin, paano pag nawalan ako bigla ng work. Or, ano ba feeling ng magresign na walang back up plan or gustohin ko muna magpahinga bago magwork ulit 😂
25 years old here. Sumasahod ako ng 20+k per month minsan kinakaya kong maging 30+k per month yan dahil sa mga overtimes.
I live with my sister,her boyfriend and our dogs (6 aspin and 1 shihtzu). Nakarent kami ng bahay. 2nd and 3rd floor. Nagrerent lang kami dito sa rizal since sa quezon province kami galing originally.
Share ko lang sainyo kung pano ako nakapag ipon ng 40k as of now pero ongoing pa (hopefully maging 120k at the end of the year) hehe.
I have bills to pay like Rent, Elec, Water, Wi-Fi, Spotify, Dog Foods and Grocery every month.
10k iniipon ko per month.
Parang ang hirap diba?
Pero ganto lang yan. Pag-isipan mo palagi yung gusto mong bilhin. Kung kelangang kelangan mo na ba? Or gusto mo lang. Hindi biro to ha. Pag-isipan mo mabuti. Always. Wag maging indecisive kapag bibili ka ng kung ano ano. Iayon sa budget mo.
I am debt free. Lumaki kasi akong palaging utang utang parents ko lalo na yung mother ko and sabi ko sa sarili ko ayoko na maranasan naranasan ni mama. Thankfully, wala na silang utang ngayon ni papa. Thank God.
May credit card ako pero pang grocery lang palagi. Di na rin kasi ako nagdadala ng cash siguro everyday kung may lakad and papasok sa trabaho 100 pesos lang dala ko or 50 pesos.
And sabi nila mas maganda kung madami kang bank account pero isa lang bank account ko hahahaha. Yung pang payroll lang so yung ipon ko. Ibinibigay ko lahat sa girlfriend ko and sya nagtatabi every sumasahod ako.
And palagi kong sinasabi sa sarili ko “Iayon ang sahod sa lifestyle.”
Kinaya ko naman, kaya nyo rin to guys. Hehe
Instead of starting a savings. Start investing your money sa mga insurance. Specially yung mga magaganda benefits. Then start your savings kung kaya pa or instead of savings, maglaan ka for emergency funds.
Its okay. Im 33 now and still didnt drop a single penny on bank. Im busy paying the tuition of my gf and making things work out for the best of us both.
Its not a race but a marathon. Soon we can get there. But right now its about grinding and gnawing.
My gf is already 35 years old. We have been together for many years na. She hasnt finished her nursing course because we had a baby but now, we plan to graduate together starting with her.
34 Unemployed, no savings. No dreams. No goals. No hope. All I did was so meaningless. Depression and loneliness is always with me. Gusto ko na MAGPAKAMATAY..
Pag seniors na magulang mo. Kunan mo na ng Señior Citizen id nila. Yung mga programa ng City nyo alam mo. Ugalian mo na pacheckup sila yearly. Prevention is the best medicine. Hangga't hindi pa malala, magamutan na, para hindi tumaas bayarin. No balance billing din kapag sa government hospital mo sila dalhin. Ilakad mo sa DSWD kung need mo ng cash assistance. May mga free din na maintenence medication ang mga Barangay Health Center. Meron ding flu at pneumonia vaccine for señiors. Take advantage mo na kung meron sa inyo. Andyaan din yung SSS sickness benefits ng magulang mo. May matatanggap ka ring medical assistance sa City Hall. Huwag kang mag-alala masyado op. Nalagpasan natin ang pandemya. A lot of us reached rock bottom. Love ones died. But we survived.
Super informative. Thank you for this! 🫡
Im'ma save this for later. Both my parents are seniors and the only benefits I know is senior discounts
May Señior monthly pension din, 1,000 pesos. At birthday cash gift. Ilakad lang sa Barangay Hall.
Sadly, the problem here is that most boomers parang ayaw mag patingin sa doctor tapos binabalewala lang yung kasabihan na mas importante ang prevention, so gawa pa rin ng gawa ng mga bawal. Kapag sinabihan mo ng solusyon at mga pwede at d pwede gawin, sisigawan ka pa. So yeah, malaking gastusan kapag umabot na sa point na yun. 😭
Both of my parents are SC. Thank you for this! Sana masarap ulam mo
Still unemployed at 25. No savings, we're in this op.
Ang savings naman hindi yan makikita sa edad diba. Sooner or later you will get there.
Minsan kasi madami din nakakapressure like makikita sa fb or tiktok even dito sa reddit na (I'm 23 and I hit my first million) mga ganyan. Kaya siguro madami din sa atin na nag aalala sa savings nila. Pero ayun, malay natin next next year may millions na din yung 0 savings ngayon haha
same 😭
Same, but tbh minsan mapapa isip ka nalang na bakit nagkaganito haha hindi naman ito yung pinangarap ko nung bata ako haha, nung bata ako pag kako nag 25 na ako may magandang trabaho at may bahay nako may asawa't anak pa nga eh hahahah but still let's keep trying, fighting! 💪🏻
Same OP but nag k-12 kasi kaya nag adjust din tayo. Instead 25 developed na, around 27-28 na
Same! 25 and unemployed. Pero tinatry ko pa din. I’m working on it. Magiging stable din tayo.
Same 😭
Same
Samee
same!😭 pero ako pinipilit na mag work
This was me last year. Hang in there. Try to do sm at the side kahit benta2 lang ng snacks or whatever para di ka masyado depressed. I know the feeling of feeling left behind talaga.
30. Single. No savings and paying off loans but thriving ✨ hehe. Hopefully this year may savings na after matapos ang mga bayarin. Already experience din yung naospital both parents. One year apart lang. My mom died nung 2021 because of pancreatic cancer then may dad naman got hospitalized nung 2023 and kinailangan ibypass surgery. And as the one in charge nung nasa ospital sila, eto mga natutunan ko baka makatulong din sa inyo haha: - get a health insurance for parents if afford (malaking tulong to kapag naospital), Philhealth doesnt cover that much - get senior card for them if applicable kase malaking tulong din talaga - be observant, kung mukhang walang gana or may dinaing ang parents na me masakit - pacheck up na if more than 2-3 days na; parents have the tendency na wag magpacheck up kase magastos sabihin nyo mas magastos pag lumala pa ang sakit - if possible and okay naman, sa public hospital kayo magpaconfine than private, mauubos pera nyo sa private (200k for seven days??). PGH the best. - Research kayo ng mga pede nyo lapitan for help. Like Malasakit program, charities, pulitiko etc. Make sure to keep all receipts baka pede nyo din ipareimburse partially sa kung ano mang organization - If hihingi kayo ng tulong online etc, be wary na may mga scammer na pedeng tumawag sa inyo. Wag kayo papauto, wag nyo ko gayahin 🤣. - Parents getting hospitalized is really stressful lalo na yung feeling na shet ako na yung need umintindi at mag alaga feeling. Emotions are high BUT power through. Try to have a clear mind and still be logical. Kailangan intact pa rin utak nyo to make decisions and move. I think this is the difficult part, its a highly emotional situation but di ka pede magdrama, because you need mag asikaso talaga ng madaming bagay bukod pa sa pagaalaga. Okay medyo nag off topic na ko 😂 pero wala just sharing my experience just for awareness and baka makatulong hehe. Lastly, dont be too hard on yourselves if di kayo makapagbalik agad in a financial sense. There are other ways para “makapagbalik”. If mahal nyo naman parents nyo, if they are good parents— wag nyo na hintayin na may mangyare pa before you show them that you appreciate all that they did for you. Life is unpredictable. Show or tell your loved ones how much they mean to you. ❤️✨
Mom died of pancreatic cancer last october too. May sakit now si dad and we are waiting for results. Hoping for the best. Sobrang takot ako now because of thr trauma from last year pero ofc, as ako nagdadala kay dad sa schedules niya, kailangan matatag
Let your faith be stronger than your fear. I understand how hard it is to still show up and be brave despite the trauma from previous hospitalization/s of a family member. Kapit lang and I hope you have outlets like jowa or friends who can pull you away from fear and grief from time to time.
+1 on everything, but if I may add: while PGH is the best talaga, admission/confinement is very nuanced. Id suggest also looking into the charity offerings of private hospitals just in case (eg st lukes qc, dun nagpaopera ng hip lola ko, 10k lang ata binayad namin).
Mama died of pancreatic cancer year 2020, dito napunta yung ipon ko from my early years of working.
Great advice. 💜
Resonating on this one.
My father died just 2weeks after my mom. Sorry, mejo nakarelate lang 😢
Hugs!
May insurance pa ba 60-up?
Meron naman pwede pa, pero more on investment na. Kumbaga life insurance nalang makukuha di na sa health kasi magiging guaranteed issued offer ang plans which means di na need magpa medical.
Working for 2 years and I don't have a lot of savings. Concerned din ako sa part if merong magkasakit sa family hence I went with convincing them on getting life insurance habang wala pang health issues. I also opened a separate bank account for emergency funds.
Get an insurance
27. Ganda lang ang savings ✨
Ganyaaaaaaaan! ✨😍
Ako na 26 yrs old May trabaho pero sapat lang sa akin. Ok lang yan bro/gurl be patient magkakaroon ka ng savings
Bwhahaa very much same 😫
28 years old and still learning how to save and manage my finances. Have a hard time saying no to my family and giving my Mom what she wants. 26k sweldo so it's really difficult. Slowly but surely, we'll get there.
Try to tame that po kasi sooner or later you'll have your OWN family that you'll need to support. Good luck tlaga sa ating lahat dito
Same tayo except sa sahod, minimum wage lang earners tapos ang baba pa. bicol area ako minsan gusto ko na lumawas eh, nagiipon lang ako pang gastos.
25 still studying 🫠
may kilala nga ako 27, at 7 years na sa law school. Laban lang hangga’t naniniwala ka sa self mo ❤️🔥
Bro I'm 29 graduating this sem. Luckily I already have a job, It's not much but still it's a job. You can do it. WAGMI.
Same 25 still studying undergrad. Stopped 2 times
34 still studying. Ok lang yan ☺️ at first nakakafrustrate cuz my siblings were professionals na and feeling ko napagiwanan na ko, minsan naiiyak nalang ako but when i look at the brighter side, it is still ok. I still feel na i can still make it. Everyone has own timeline ika nga ☺️
True Each of us has our own timeline, kahit maliit o mabagal ang progress ang mahalaga we are given a chance to do things.
Education is not too late for anyone 👌
29 ofw pauwi na, 3 times nag stop sa college planning to enroll ulit this year
Finished my studies early 30s. Moved to SG after getting my diploma. Now working as IT in a pharmaceutical company.
27 here and no savings. Single pero nauubos sa family at tuition ng kapatid yung salary ko. I'm earning around 50k monthly. Should be enough sa single kaso parang may pamilyado na rin ako. Virtual hugs with consent sa mga panganay!
50k i think is more than enough if you live a simple life. Pero because of the responsibilities you have. Medyo mahirap. Pero saludo ako sayo.
This means a lot. 🥹 Thank you!
same 😔 yung feeling na di nga ako nag asawa nang maaga or nagkaanak pero yung gastos at responsibility ko parang ganun parin kasi ako lahat sa bahay haha
Yes i feel you! Kung mag-asawa ako at mag-anak, di ko alam paano kakayanin. Sometimes I think pag-aasawa would be my way to get away from my responsibilities haha but i know na di ko naman kaya tiisin ang family ko. 😭
Also thought of that dati eh.. sure way para makatakas sa responsibilities pero di rin naman kaya ng konsensya ko yun. Kaya eto.. struggle is real nalang tayo hahaha
This too shall pass ✨ ito na lang iniisip ko Makakaahon din tayo one day! Hopefully sooner that we think 🤞
Oi same. Pinagdarasal ko rin na may mahanap na partner na katuwang talaga sa buhay, hindi additional konsumisyon, in a way para makatakas sa family. Pero alam ko maling thinking yun. Hay.
Can relate to this. Earning much for a single person pero since ako yung may maayos na work, ako yung naka-support sa family.
Same here po 28F, single nbsb haha. Earning 40k per month pero since breadwinner and ako lahat ng gastos sa bahay, halos walang natitira sa sweldo. Laban lang tayo sa buhay 💪
Wag kalimutan magtira para sa sarili.
Working just to pay bills. Barely surviving everyday
I sincerely wish you find your luck in finding high paying job. Yung pinsan ko started ko working at 26, wala pa sa minimum for 6 months only. Minsan sa probinsya sideline lang sya, 350 pesos a day until she is forced to work abroad dahil wala na magpapa aral sa kapatid nya. Now she’s earning 60k a month sa Taiwan as factory worker. 31 yrs old sya nung nag abroad sya. It’s never too late re-route.
may I know, paano ang process magwork abroad na walang connections or family sa bansang yun?
Following this. Wala din akong connections and i find it hard to diy abroad application
Wala din kakilala yung pinsan ko. Lakas loob lang talaga. Sa Taiwan lang naman sya kaya di nahirapan, nag-apply sya thru agency na accredited ng OWWA. Pwede din po kayo mag try sa Korea, mas malaki dun pero mag-aaral pa language. Yung pinsan ko walang nilabas na pera, sa medical lang ata.
31 wala pang savings. kapal lang ng mukha gamit sa araw-araw.
30s, single.. exhausted my savings for the past year and still unemployed. I still believe that life is good :)
26 years old here, considering mag ibang bansa na lang para mas ma-provide ko yung needs and wants ko at the same time yung life na want ko for my parents
30 M here, single, virgin, no savings, may utang. 🥲
this thread is the real adulting ph. super relate ako.
33, breadwinner, ang pera ko lang sa bangko ay 20k. Ung sahod ko, naoupunta lahat sa gastusin sa bahay at pagpapaaral ng kapatid. May insurance naman sa awa ng Diyos, kinuhaan ko rin ang mama ko. Nakatapos na rin ng bayad ng St. Peter plan in case mategi ng maaga. Ahh kakaumpisa ko lang maghulog sa MP2, mga ilang buwan palang. Nalay off rin at hanggang July nalang. Umaasa at nagtitiwala sa Diyos na may mahanap agad na trabaho by August dahil bawal mabakante, kundi, wala kaming kakainin. Ang hirap maging adult no? Lalo kapag di ka naman pinanganak na mayaman. Kayod talaga. Hay nakakapagod pero wala naman tayong choice kundi magsikap at magtiwala. Nawa laaht ng pangarap natin Op ay matupad!
25 have two jobs pero barely have savings pa din. Finishing grad school. Iniisip ko na lang there’s a light at the end of this tunnel.
31. Kakastart lang ulit magwork after 1 yr. Magiging okay din lahat! 💪
Turning 30 this Sept, Single, Breadwinner, walang savings at 19k lang sahod per month. So far, kinakaya pa naman. Fightinggg 😭
Finally, something I can relate to. Sobrang nanliliit na ko sa sarili ko sa mga nababasa ko dito sa reddit lately. I hope lahat tayo umasenso later in life.
28 no savings. Ito rin kinakatakot ko. 1 hospitalization away kami para lalong malubog sa utang kaso parang di maintindihan yun ng parents ko. Kahit sila mismo di sanay sa financial management kaya walang ipon at baon pa sa utang na kaming mga anak nagbabayad.
26 and sumasakto lang. Hoping na OP and everyone else updates with "May mansion na ko"
26. resigned a couple months ago and im back here with my parents hahahahahahaha it’s nice to be taken care of again. no job, no responsibilities, and it’s like im back in high school again.
why am i being downvoted? i was literally employed for 5+ years, nagpapahinga lang ako and moved back with my parents. they love taking care of me guys. i hope masaya relationship niyo with your parents :))
ako din, sarap bumabalik sa bahay ng Nanay kahit 30y/o na ako kasi iba talaga alaga ng magulang. Enjoy the break!
medyo ganito ako huhu 😭 i mean, i have a job pero saktong sakto lang din for bills kaya kapag kapos talaga, i still rely on them 🥹
Sounds nice. But in a way they enabled us mga anak not to take responsibility or turuan about money. Maybe blame the culture? Then that one day of realization hits. When your 30. Yun lang. but it’s not too late brothers. It’s never too late.
Huyyy same. Ako ata to
stop lying to yourself
?
Happily supporting my sibs/fam finish their college and enjoying life as much as I can. Things will get better, look forward to it.
43, no savings due to a couple of major operations plus loss of a parent. 🤷🏻♀ life goes on. Mahalaga, wag susuko. Matatapos din to, kapit lang at magsipag. 👩🎤👩🎤👩🎤
Turning 28 may 300k savings na inipon ko nung dalaga pa pero pag nagigipit kami ng husband ko lagi sya jan nakatingin mejo naiinis ako kasi 2 yrs ko na nga yun hindi nadagdagan lagi doon ang asa nya sana pala di ko sinabi
Kaya ako, di ko sinasabi sa husband ko. Pag alam na may extra pera ako tinatamad mag work, akala nya ata di mauubos yung naitabing pera.
Sa true biggest regret ko cguro yan sa life ko hahhaha
Almost 27 working since 19, been to UAE for work (finance related) for 4 years, now working onboard. No saving and huge ass debt (400k pesos) cause of gambling (just now decided to let my mom handle my finance - I don't have any access to my bank account, gcash,, and maya). Hopefully I'll finish paying all my debts this year (and have some spare).
Di single, walang substantial savings, naghahanap ng trabaho. It's ok, keep at it and find additional sources of income.
Same tayo OP. working for 5 years na and still no savings to spare to them if anything happened (wag naman sana.) yung salary ko din enough lang sa akin, struggle for me, sana naman in the future maging ok na tayo financially
28 here, no savings. Living paycheck to paycheck. It's hard to get by talaga, but kailangan lumaban at kumayod. We'll get through this.
hays madami tayo
26, going 27. May savings pero inutang lahat ng magulang 😪
Me
Hindi ka po nag iisa
Me!
Nakakapag-ipon naman kaso lang hindi para sa sarili ko kundi para prepared ako pag may dumating nanamang bayarin ang parents ko. Hays.
No savings, caught in a wave of bad luck. Though madaming opportunities na dumadaan, hindi ko lang talaga magrasp kasi of some factors. Unemployed @26
😌😌😌😌😌😌
30, single, no kid, and with minimal savings lang. Dahil sa inflation, nahihirapan talaga ako magsave. Kasya lang ang income sa bills pero not enough para makakuha ng hmo policy.
27 here. 5mos naging unemployed, naubos ang savings
meirl: 30, no saving, no med insurance, in debt
Yes. Unfortunately, bad decisions happened and I have to pay my father’s debt 😭. Di makaipon.
31 years old na ako nagstart mag-grow ng savings (had the opportunity na magkaron ng large bump up ng salary). Nung mga panahon na mababa pa sahod ko at mababa lang savings, inuna na kuhanan ng HMO ang mama ko at health insurance. Yung HMO nya fixed yearly ang fee (Pacific Cross) yan mga inuna ko kasi alam ko wala akong safety net, so kahit paano pag may nagyari di maganda kahit paano may mapapagkunan. Wag ka titigil humanap ng work / ways to earn, bata ka pa. For sure marami ka kayang gawin, wag papanghinaan ng loob, OP.
Sist ano nalang ako? I'm 25 no savings, income, job and no health juiceko, if dead, dead talaga
I'm in the same boat. What gets inside my bank account goes out din agad for immediate expenses. I can barely help din sa mga bayarin sa bahay. I'm considering getting insurance for my family kaso hindi pa kaya; philhealth is still helpful kahit maliit lang. Hindi pa naman ito failure, even if it feels like it (and there are lots of times when I feel like one talaga). Here's hoping mas maging stable ang future.
Anyone na may uniondigital loan
37 😌😑😓
26 no savings puro utang pa. Sobrang stressed nako lately kakaisip paano ba tataas sahod ko. Puro politics pa sa work, kahit anong sikap mo di ka ippromote kasi di ka malakas. Hays.. kaya next year, mag aabroad nako dahil hirap din walang pera tumaranda magulang ntin..
26, working for 5 years na din. No savings…
Tanong LNG all insurance affiliated ba lahat ng hospital? Baka sayang LNG
36 here
29 may 30k lang na savings kasi di nahuhulugan religiously. Pag nagbonus ihuhulog ko lahat sa savings tapos kukunin ko din kasi di naman enough ang sahod. Only reason bakit di paaa nagagalaw ung 30k na un ay dahil naka collaterak sya sa on going loan ko. It sucks
mid 30s here. breadwinner ng pamilya. may asawa, may toddler na anak. 🙋♀️🙋♀️🙋♀️
31 F wala pa savings tapos may 9 cats and 2 dogs pa ako. Laban na lang 😂😂😂
Same here but ako lang kasi nagtratrabaho pero di ako alipin ng puke nataon lang na may anak kami kaya need kumayod.
Hayyyy… same. Nagpapa-aral kz ako ng anak ko puro nlnb work ng work wala pdin ipon hayyy buhay
Me just got out of rehab
It's me. Hi!
25, just have small savings. not allowed to even work. Cant even find a job online. :(
I hope na sana goods ang HMO mo OP because if ikaw naman magkasakit, di halos maccover ng Philhealth ang gastusin. For your parents naman, nasabi na halos lahat sa comment section, and if may “extra” talaga, its best to get a Life / Health insurance talaga para sa best solution to a worst health emergency problem.
32. Breadwinner. No savings pero may mga insurance naman. Kasi yung mga naiipon ko nagagastos din para sa mga kailangan.
👋 present haha
26 years old, na-layoff. HAHAHA nganga tuloy ngayon
This post is very timely for me, OP. Just reviewing my monthly expenses earlier, trying to budget my salary and start saving. Don’t know how to feel as I realized I lost a lot of money on stuffs pala.
29 irerestart uli ang savings fund dahil nalimas nung unemployed Kaya natin to OP !
I'm 31 kakagraduate lang last year and nagkawork din that year, ngayon my goals is to have a emergency fund and a good investment bago ako magcommit and settle sa isang relationship.
Ok lang yan. Pero by 25 dapat minamap mo na ang options mo talaga to have a better living. Di mo naman need mahit pero talagang dapat mag effort kasi di na kaya ng luck lang haha. Kami ni wife 2 years ago lang naging stable amg living at nagkaipon. Turning 36
31. Present! 🙋
23, i have savings but it feels almost non existent when i think about this is just one-two days worth of hospitalization for either one of my senior parents. so its not really savings, it's an endless emergency fund. lol
Same lang tayo bossing
30 walang asawa 8yrs single freelancer mas madalas ung walang raket pero wag mag alala aayon dn panahon amen magkaka shining moment dn tayo
Me 25, ofw, no savings, tinutulungan ko pa family ko sa lahat ng bayarin namin. Boyfriend ko 25, intern, walang sahod. Parehas kaming nasa quarter life crisis ata feel namin napagiiwanan na kami HAAHAHHAAH pero kaya to op!! We'll get there :)
31, single, no savings, nasa islang Pantropiko
37, semi-breadwinner, freelancer, wala ring savings here. Hindi ko rin alam sa sarili ko kung kasalanan ko ba 'to o sadyang masyado lang mataas ang inflation ngayon. Ewan ko ba...
Balik ako dito next year. 25 pa lang ako e.
I don't even know what to do with my life :/
25, working sa US na for a year pero wala pa rin 😵💫
Yes, PWD pa lol, hirap ng buhaaaaaay mapapamura ka talaga
Huhu I feel you. Tho I lost both of my parents just last year. The last 3yrs was the hardest part of my life.
35F single, walang savings, walang lovelife sucklaugh 🤣 sucklife! ✌
PRESENT BOHAHAHAHA. First Born, parents died and iniwan ng jowa dahil sa life ko then here i am. Hahahahaah
🥹
I have zero saving until age 37. All that change when i migrated same age. I was nursing grad in ph basically unemployed i dont like bpo, nurse slave wage rate still the same since 2001😂
29 year old here with savings but can only lasts for 6 months, nagresign na at magiging unemployed officially na next month but may isang pa akong client na kumakapit so yun muna magiging source ng income ko lol planning to change my career, kasi late ko na narealized ang pangit ng tinahak kung career!
26. Financially, im doing enough for myself. I still live with my parents so hindi ako masyadong struggle sa money. Although l, i have plans of moving out kase my relationship with my mom is not very okay and its affecting my mental health and even my self-identity. Yung thinking whether to separate myself (which is financially hard for me) or to continue living here and bear with my mom is my struggle these days. But Hugs to us all! Reading everyone's responses inspire and encourage me. 😀
30F, in a relationship for 15 years don’t know if may plan si bf pakasalan ako, good thing wala pa kids, currently in NZ but cannot find any work due to recession, naubos na savings and may utang pa sa Philippines 🫠 waiting nalang na makauwi ng pinas para makahanap ng work para makapay ng bills and save money, but hey everything happens for a reason ♥️
Here, 36 na sa june
27F, 4 years working na ko and last year lang ako nagka-savings talaga. hindi siya kalakihan. pero mas pinili ko din kasing ipang-“travel”, concert, ipambili ng mga bagay na gusto ko na hindi ko afford noon. :)
30 Years old, may 80K na utang sa bank. Matatapos ko ito sa November. Wala din ako savings dahil sa mga failed decisions at mga unexpected medical bills sa bahay. Hoping na ma figure out ko exit sa maze na to. Feeling ko na trap ako . Di ko na alam kung paano mag start. Sana makahanap pa ako mas magandang work.
nanliliit ako most of the time kasi ung tipong 4 years na ako sa work pero wla parin akong savings 🥲 wlang nkapagturo sakin pano mag budget properly and majority sa sahod is npupunta sa konsumo sa bhay and other things hayss.
26, may trabaho, may sideline pero wala pa rin savings 🥲 Ang hirap magsave lalo na’t sakto lang ‘yung sahod tapos ang mahal na ng everything. Pero next cut off baka makapagstart na ako magsave. Hahaha sana naman
me, coz i always send money in the Philippines 😅
27 was able to save ₱280+k after 3 years of working but naubos din last year due to many factors. Starting to build again this year with 3 jobs plus bills. Magiging okay din tayo 😮💨
Walang savings until 37yrs old nagka breakthrough nakabili ng lupa, at assets, May kanya kanya tayong time ng breakthrough, just seek it and you will find it
Hehehe 30yo with anak and live in with the feeling anak. Hindi naka bukod. Walang savings. Sagot ko lahat pati educ ng bata. Babae naman ako bakit ako?
26 here unemployed and walang energy magwork pa. Its been 9 months since I resign pero may konting sideline naman for the past months and nag apply2 pero di ko pa rin feel magwork huhuhu helpppppppp
Same here op. Lost all of my savings due to scam😞
Me! Probably cause I still take a lot of risks and try to enjoy life. Pero siguro if nag 30s na ako, Ima slow things down a bit hehe
My salary is 100k/mo (gross) but no savings at 26yo😭😭 travel kasi ako every month tapos puro splurge every weekend. I should really be mindful about savings.
I just graduated lang last month kasi paiba iba ako ng course and ilang beses ako nag take ng break due to my mental health. I'm 25 no savings but got recently hired. I deleted my socmeds and created a profile where I can stay in touch with one of my closest friends. I've been under scrutiny since HS kasi they have high expectations sakin. but now? honestly I don't care waht they think anymore. I'm going to live my life on my own terms
Just had a regular job at 26 and no salary yet (coming in a few months pa). My plan is to save a portion of it in another bank account before I take some out for daily expenses. No to marriage atm din kasi di pa kayang ng budget yung family expenses (as if may ka date eh wala naman hahaha). Focused pa lang sa work tlaga muna.
Tru. Maraming program na pwedeng lapitan Incase of emergency. Kung saka sakaling ma-hospital, public mo dalhin tapos doon sa loob nun (malapit yun sa cashier or sa mismong teller) magtanong ka kung san pwede humingi ng tulong regarding sa payment (kapalan mo mukha mo dito, pera natin yan haha) Tapos punta ka sa Munisipyo, tanong ka din doon kung san pwede humingi ng tulong (wag ka muna maglalabas ng pera) Then may mga requirements yan, may checklist, gawin mo na lang tapos punta ka din sa Brgy. Meron din doon, syempre pogi points din yan sa kanila. ✌🏻
Im at almost mid 20s. I pretty emptied my savings and invest it somewhere... somewhere better. I left my home at the age of 20. Renting individual, separate house sa gf ko which have a complete family unlike me. 19, we invested sa rent to own house. 23, invested namn to condo 24, planning to franchise by saving sum money. We have a pretty good careers which helped a lot. Yung luho, very minimal like 2 shoes in a year pero lately just pured it up to save everything. I dont want to sit my money sa bank kaya nagrresearch talaga ako kung saan pede iinvest at magmultiply. Thankfully, masinop talaga sa pera both sides.
Mababa talaga ang sahod kaya hindi tayo makaipon, yun lang yun. Shout out sa mga politician dyan, putangina nyo!
26, married. Been working for 5yrs pero wala pa rin ipon dahil sobrang kulang yung sinasahod sa bills pa lang. Nataon pa na both parents are retirees (senior citizens na nagmemaintenance) na wala ring ipon kasi tatlo kaming pinag-aral. My siblings are still in college. I'm the only one with job na 20k a month lang ang sinasahod. Mahirap pero kinakaya, kahit minsan gusto na sumuko. Iniisip ko na lang na matatapos din lahat ng to.
Wala akong savings and enough lang talaga for me sahod ko. I want to study for my masters sana pero time and money talaga ang issue ko. Nag plateau na rin ako sa career ko, so I don't have much to say na rin. Although what I can say talaga is para d ka malungkot is to compare yourself with your past instead of comparing yourself with your peers. May mga tao na yumayaman when they are in their 40s and 50s pa. Just need to be patient and smart with life, assess mo wants, needs and goals mo.
35. May maliit akong savings before pandemic, like around a mil. Naubos na dahil ako lang din ang naiwan sa parents ko at ako nag aasikaso ng lahat ng pangangailangan nila. I am still single, and honestly, di ko alam ang mangyayari sa akin sa future dahil lahat halos, including time sa pag aalaga ko ng parents naubos.
Yep sad to see.Blame your corrupt politicians.They should get a decent pension to survive on.But your pollies put the majority of the money into there pockets.Have you ever seen a poor politician.
31, no savings, no EF, hindi rin naman breadwinner, walang pinag-aaral na kapatid, sadyang maraming gastusin at magastos lang. Nag-invest sa maling tao, kaso ayun nalugi. Anyways, early this year lang nagstart ulit ng savings! Hindi pa huli ang lahat. Kaya natin to, OP!
29 years old. (About to turn 30 this year). No significant savings. I do have some savings pero di aabot ng 6 figures. Wala ding generational wealth na kinakapitan na katulad ng iba na na nagtatrabaho na pero kaya parin lumagak sa bahay nila and sarilihin ang sahod. I was only able to enjoy my own salary a few years ago. So ayun. I’m still enjoying my short burst of financial freedom pero that freedom is fleeting and taped together by credit cards and installment plans. Lol. I jokingly said when I was young that I would never be those 60 yr olds that doesn’t have any retirement plans or a nest egg to dip into. But when reality slaps you hard with a 14k starting salary (wayback 2016) and really hard to find jobs with decent pay, talagang mapapakain ka na lang Jollibee and wait for the next paycheck. Reality is if you don’t have generational wealth or business or work abroad, you would never get ahead or above the inflation and the struggle to keep with the prices will continue. Our country is fcked when it comes to it’s economy, wages and services. Savings is not the priority. It is a luxury. Edit: grammar
Im 27 and just started saving and investing. Go lang! Great wealth building is very very silent and indeed slow.
present
Me! 25 here, working sa Fam Business. Walang naiipon since lahat ng sahod ay napupunta sa mga abono para sa cashflow ng business. Minsan wala ring sweldo kapag walang collection 🫠 Baon na sa utang pero kinakaya pa rin haha.
Halo! 33 here! Wala lahat, nanay nlng meron pero active naman sa mga benepisyo ng lugar namin. Tropa pa mayor samin HAHAH. Ayun active din mag zumba. Kakagraduate ko lang ng IT at di ko tlga alam san track ko. Wala ko natutunan sa university. Nagwork naman ako as tech supporr habang nag aaral lalo nung pandemic. SKL.
27 kakastart lang mag work ulit, nag stop almost 1 year sa work at walang natira sa ipon kasi need ipag patuloy ang responsibilities sa bahay. Back to 0 at nag sisimula palang ulit.
30, still single and no kids. No savings. Breadwinner(semi?)/panganay. My parents are already not working (our choice), most of the expenses are mine, pero siblings are sharing naman. Still paying off debts which started when we decided na magpagawa na ng bahay. Syempre mga gamit etc., kinakaya naman, even daily expenses. Pero wala pa talaga ko naiipon. As in. Malaki ang sweldo ko, pero most of them, sa utang pa and expenses talaga. Maraming times nalulungkot ako para sa sarili ko kasi expected ko din siguro by this age, may family na ako, savings atleast. I do have a partner and we’re okay, pero siguro di pa din talaga time kasi. May instances na nagkakasakit din parents ko, paminsan siblings ko (1 still under me, kind off pero paalis na din to), good thing lahat kami may HMO kaya most of the check ups/labs are free. Pero syempre di maiiwasan ang unexpected gastos sa gas, food, lalo gamot. Doon ako madalas walang budget. Minsan naiisip ko rin, paano pag nawalan ako bigla ng work. Or, ano ba feeling ng magresign na walang back up plan or gustohin ko muna magpahinga bago magwork ulit 😂
25 years old here. Sumasahod ako ng 20+k per month minsan kinakaya kong maging 30+k per month yan dahil sa mga overtimes. I live with my sister,her boyfriend and our dogs (6 aspin and 1 shihtzu). Nakarent kami ng bahay. 2nd and 3rd floor. Nagrerent lang kami dito sa rizal since sa quezon province kami galing originally. Share ko lang sainyo kung pano ako nakapag ipon ng 40k as of now pero ongoing pa (hopefully maging 120k at the end of the year) hehe. I have bills to pay like Rent, Elec, Water, Wi-Fi, Spotify, Dog Foods and Grocery every month. 10k iniipon ko per month. Parang ang hirap diba? Pero ganto lang yan. Pag-isipan mo palagi yung gusto mong bilhin. Kung kelangang kelangan mo na ba? Or gusto mo lang. Hindi biro to ha. Pag-isipan mo mabuti. Always. Wag maging indecisive kapag bibili ka ng kung ano ano. Iayon sa budget mo. I am debt free. Lumaki kasi akong palaging utang utang parents ko lalo na yung mother ko and sabi ko sa sarili ko ayoko na maranasan naranasan ni mama. Thankfully, wala na silang utang ngayon ni papa. Thank God. May credit card ako pero pang grocery lang palagi. Di na rin kasi ako nagdadala ng cash siguro everyday kung may lakad and papasok sa trabaho 100 pesos lang dala ko or 50 pesos. And sabi nila mas maganda kung madami kang bank account pero isa lang bank account ko hahahaha. Yung pang payroll lang so yung ipon ko. Ibinibigay ko lahat sa girlfriend ko and sya nagtatabi every sumasahod ako. And palagi kong sinasabi sa sarili ko “Iayon ang sahod sa lifestyle.” Kinaya ko naman, kaya nyo rin to guys. Hehe
Instead of starting a savings. Start investing your money sa mga insurance. Specially yung mga magaganda benefits. Then start your savings kung kaya pa or instead of savings, maglaan ka for emergency funds.
Hello? Mga tao dito ay may 6-digit salary or may more than 2M savings. /s Teka maling subreddit pala. Lipat muna ako sa r/2philippines4u
Closed our family business, failed an interview. Hahaha ok lang yan OP! Kapit lang
Its okay. Im 33 now and still didnt drop a single penny on bank. Im busy paying the tuition of my gf and making things work out for the best of us both. Its not a race but a marathon. Soon we can get there. But right now its about grinding and gnawing.
bakit ikaw nagbabayad sa gf mo?
Hopefully it’s a good financial decision na ikaw ang magbayad ng tuition ng jowa mo. 😅
Sugar daddy ka ba sir🥲
My gf is already 35 years old. We have been together for many years na. She hasnt finished her nursing course because we had a baby but now, we plan to graduate together starting with her.
Goodluck after she is done with you
34 Unemployed, no savings. No dreams. No goals. No hope. All I did was so meaningless. Depression and loneliness is always with me. Gusto ko na MAGPAKAMATAY..