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How to manage Php25,000 Net Monthly Salary

untiedescape · 35 · 8625

Rothschild

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Reply #15 on: Jan 30, 2013, 05:48 PM
masyadong malaki yung 10% tithing! kung doomsday na bukas eh pano pa gagastusin yan !


AMARANTH

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Reply #16 on: Jan 30, 2013, 05:57 PM
kahit pa si henry sy na catholic hindi yan nagbibigay ng 10% nasa 1-3% lang pero dahil sa billions ang kinikita kaya nagiging malaki ang halaga pero  pinaka mahalagang malaman ng tao ay binubuhos niya ito sa free education and public schools ng foundation niya hindi sa mga nagkukunwaring mahirap na religious groups.
« Last Edit: Jan 30, 2013, 05:59 PM by AMARANTH »


rds

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Reply #17 on: Jan 30, 2013, 06:02 PM
masyadong malaki yung 10% tithing! kung doomsday na bukas eh pano pa gagastusin yan !

bakit ka nagpo-problema kung pano gagastusin e doomsday na nga! ke nilagay mo yan sa stocks o sa tithes kung doomsday na bukas, it will not matter!


Rothschild

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Reply #18 on: Jan 30, 2013, 06:04 PM
bakit ka nagpo-problema kung pano gagastusin e doomsday na nga! ke nilagay mo yan sa stocks o sa tithes kung doomsday na bukas, it will not matter!

gastusin na yan baka gastusin pa ng iba !
« Last Edit: Jan 30, 2013, 06:05 PM by Rothschild »


rds

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Reply #19 on: Jan 30, 2013, 06:24 PM
^tama. gastusin na yan! basta't gastusin sa tamang paraan...


george88

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Reply #20 on: Jan 30, 2013, 06:46 PM
Next doomsday is 05-15-2015  :b_tux:

source aling dionisia  :hihi:


yllor

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Reply #21 on: Jan 30, 2013, 08:53 PM
I would like to get your opinion if I am doing the right thing in managing my monthly salary.

Tingin nyo base sa computations .... , I will be able to get enough retirement fund? how long should I invest sa EIP or should I start active trading narin sa COL?

or hanap nlng ako mas malaking sweldo...hehehe...

makikigulo ako..  :hihi:
1. 'enough retirement fund'? - depende sa age po nila at base sa breakdown po ninyo ay yung EIP at Variable Insurance ang inaasahan mo na retirement fund. since mataas na ang market ngayon pwede pong bumaba later on... so delikado retirement fund ninyo.
2. 'how long sa EIP '? - it is a good start savings but risky savings in EIP stocks. better speed up your study / knowledge in investment para protektahan EIP account mo.. syempre hanggang kaya ng budget mo kumuha.. know your RISK...RISK.. RISK
3. 'active trading' - mas maganda kung mas maganda na background mo sa stock investing bago ka start sa real stock. trial ka muna sa stock games habang build-up mo yung kaalaman / strategy ng stock market.
4. malaking sweldo - eto maganda, wala ka talo dito kundi pagod lang sa katawan. malaking sweldo=madaming trabaho/responsibilidad nga lang :D

oopppppsss.. napansin nla yung Tithing mo.. malaki daw.. meron mga komento  pero ayos lang naman yata sa iyo kaya OKEY lang yan... siguro naman hindi magrereklamo yung pagbibigyan mo.  :applause:
« Last Edit: Jan 30, 2013, 09:00 PM by yllor »


bilagan2004

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Reply #22 on: Jan 30, 2013, 09:05 PM

oopppppsss.. napansin nla yung Tithing mo.. malaki daw.. meron mga komento  pero ayos lang naman yata sa iyo kaya OKEY lang yan... siguro naman hindi magrereklamo yung pagbibigyan mo.  :applause:

 :hihi: kulit lang ni Sir Yllor, tlgang may gana pang magreklamo ung pagbibigyan  :rofl:


untiedescape

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Reply #23 on: Jan 31, 2013, 01:58 AM
Thanks po sa mga feedback...

Yes po Catholic ako and I practice nga po yung 10% tithing.

hmmnn, cge po pag aralan ko po lahat ng advises nyo, maraming salamat talaga...

hmmnn passive income tlga ang kelangan at mas malaking sahod.... so sa ngaun mga sir san nyo po itinatabi  ang savings nyo or ang emergency fund nyo?

regarding sa COL - EIP, dapat po ba pag aralan ko nalang muna ung stocks para mag active trade or tuloy ko nlng muna sa ngaun?



kulatir

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Reply #24 on: Feb 01, 2013, 01:28 PM
Thanks po sa mga feedback...

Yes po Catholic ako and I practice nga po yung 10% tithing.

hmmnn, cge po pag aralan ko po lahat ng advises nyo, maraming salamat talaga...

hmmnn passive income tlga ang kelangan at mas malaking sahod.... so sa ngaun mga sir san nyo po itinatabi  ang savings nyo or ang emergency fund nyo?

regarding sa COL - EIP, dapat po ba pag aralan ko nalang muna ung stocks para mag active trade or tuloy ko nlng muna sa ngaun?



pag aralan mo muna isa isa hindi kelangan magmadali,slowly but surely,Ako inuna ko insurance to protect my assets,then nung inaral ko na UITF pinasok ko na din,ngayon im into stocks and still studying. Meron na din ako Real Estate mortgage wala lang trip ko lang para may masabi naman na may sarili akong bahay. All of these comes to my excess savings in my present job. Si misis naman business ang mindset nya livestocks and palaisdaan,


moncorp

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Reply #25 on: Feb 10, 2013, 10:37 PM
Reduce the tithing to 500 only.  magkano lang sweldo mo pero medyo mataas ang budget mo diyan especially kung simbahan lang pala napupunta yun (charitable institution, religious groups or churches are rich enough to fend for themselves).  If you're serious about doing good then convert that to foodstuff then distribute it directly to the poor like beggears, street children etc but since your question is about retiring then 500 is more than enough in proportion to your salary.


Im also never a believer of insurance  even if it was patterned like an investment vehicle as they are rarely worth it besides hazardous ba ang profession mo? are you the sole breadwinner na tipong kapag may nangyari sayo tutumba na pamilya mo?.   but if you really want one the most honest answer after being in this forum long enough and advises from my own research is term insurance only.


as to stocks you probably invested at the time when we are at all time highs on PSEI index and as mentioned by ferrari might not had invested considerable time to think it over so your portfolio must not be spectacular.





Reduce it to 0... don't donate if you don't need to..


Monthly allowance 4k? are you single? I bet you are not eating well...


mlangseth

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Reply #26 on: Feb 11, 2013, 05:14 AM
NO titling sa simbahan... tithes are supporting their bad habits...eg pedophilia..


https://www.facebook.com/events/284117311716882/


moncorp

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Reply #27 on: Feb 11, 2013, 08:41 AM
NO titling sa simbahan... tithes are supporting their bad habits...eg pedophilia..


https://www.facebook.com/events/284117311716882/
I agree with you..

In the cathedral here in our town, they placed a donation box on the door of the church and they are giving out envelopes to the mass attendees(purpose: for the renovation). Very unethical,.. they are literally catching people, to ask for donations.


pugeboy

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Reply #28 on: Feb 19, 2013, 03:37 PM
The problem with investing in stock, mutual funds or uitf now or even last year for someone like untiedescape is that we are breaking all time highs while the world econmy is in reality still in terrible shape if not for 3 succesive QE (quantitative easing) in america and more if it permits w/o crashing the world.   Kung sana bumili siya ng stock nun 2008-2009 na all time lows, halos kahit anong stock binili niya kikita siya ng malaki ngayon kahit walang aral aral pa.
so kelan po dapat mag-invest? what if tuloy tuloy gumanda economy natin, so does it mean wala ka na chance mag-invest kasi nga mataas na at may risk kang malugi? or should you wait na bumagsak na naman ang market? kelan pa ulit yun? should you wait for years before you start investing? ano po ba ang indication ng bagsak na market? what's the "value" or "number" if there is such a term.. thanks.


jjalfonso1

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Reply #29 on: Feb 20, 2013, 04:41 AM
so kelan po dapat mag-invest? what if tuloy tuloy gumanda economy natin, so does it mean wala ka na chance mag-invest kasi nga mataas na at may risk kang malugi? or should you wait na bumagsak na naman ang market? kelan pa ulit yun? should you wait for years before you start investing? ano po ba ang indication ng bagsak na market? what's the "value" or "number" if there is such a term.. thanks.

Depends on your risk tolerance and time horizon. 

If you're in it for the long term, go ahead and invest now.  Markets go up and down in the short term, but long term, markets trend up.  You can mitigate some of the risk via diversification (investing in assets that don't have much correlation), rebalancing your asset allocation, and dollar cost averaging.

It's impossible to know the exact right time to invest, which is essentially market timing.  The world's best economists make educated guesses, and still get it wrong.


 


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