PMT Forum
How do you want to make money today?

How to manage Php25,000 Net Monthly Salary

untiedescape · 35 · 8620


  • Newbie
  • *
    • Posts: 8
    • Likes Received: +0/-0
Reply #30 on: Feb 20, 2013, 09:27 AM
COL-EIP is a long term investment lof citisec online they will send you regularly which stocks you should put your money that is good for those people who do not have time to analyze market read chart etc etc...


  • Probie
  • **
    • Posts: 24
    • Likes Received: +0/-0
Reply #31 on: Feb 20, 2013, 11:56 PM
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.

For me, the best time to invest is NOW. THE PRESENT. Hindi importante kung magkano pa yan. Kahit na 1000 monthly top up lang yan sa mutual fund ok pa rin yan - the reason is to build the HABIT. To build this thinking that you can't just entrust your future to chance. Building this habit of investing will build and train your mindset as well to look at the long term. Start slowly, take baby steps. Baby steps are better than nothing.

Once you build that wealth mindset the rest will fall into place, you'll start to practice delay gratification, you'll look more into your budget monthly and consider how to tweak it, you'll thirst for more financial knowledge because you know that you are taking the right direction.

The first step is often the hardest you just need to be consistent. You are already on the right track, that is why you are in this forum. Because all of us here, at one point in our lives took a moment to reflect on our situation and took the hard bitter pill and decided to take action.

So take those baby steps, think long term, build that habit. The rest will fall into place. And 10 years from now, if you do happen to meet someone who is willing but needs a little push - give him that push as well. The ultimate purpose of success to be able to share it with others.

God Bless.


  • Junior Member
  • **
    • Posts: 32
    • Likes Received: +0/-0
Reply #32 on: Nov 07, 2014, 10:22 PM
Hi Sir and Mam,

Sorry po I'm not sure if this is the right place to discuss this matter.

I would like to get your opinion if I am doing the right thing in managing my monthly salary.
Naka loan kasi sa banko un house namin so tulong tulong kami sa pagbabayad tapos nag start narin ako sa stocks pero under EIP (Easy Investment Plan) tapos savings ng 2k monthly.

Tingin nyo base sa computations below ng monthly income ko, 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...

Tithing/Donations                                                   2500.00
House Loan (share ko sa loan ng bahay namin)   5000.00
Emergency Fund (Savings Acct)                           2000.00
Monthly Allowance                                                   4000.00
COL (Colfinancial-EIP)                                           5000.00
Sunlife(Variable Insurance, payable up to 10 yrs)   2000.00
Misc.                                                                   4500.00
Total Monthly Income (net)                         =====    25000.00

I salute you for being faithful in your tithings. Ako, I get frustrated kapag hindi ko nagagawa yun. It's like I'm depriving the creator what is rightfully His to begin with. I don't feel like an efficient steward of His blessings.

I am greatly encouraged to continue with tithing kasi nakikita ko yung result. Halos magfreeze ako sa lamig ng AC tuwing worship service. Hahaha. YUng church also supports scholars and other activities. Yung missions ng church ay left and right. Benevolence funds are there too. May new building na din for training missionaries soon. ^_^

 As much as gusto ko lagi libre, naalala ko yung kwento nung pastor sa church:

"Yung maintenance, upkeep, sahod ng employees and binibigay sa pastors ng church ay hindi libre. Yung aircon po natinatamasa ninyo, hindi lang po Holy Spirit yan. It's electricity na nababayaran dahil sa mga binibigay ninyo. And for that, we are thankful."

Tithing is stated in the bible. And if yung spirituality mo ang top priority mo, then spend accordingly  ^_^

Yun lang, I noticed, medyo maliit nga allocation mo for savings.  Peace   :D


  • Junior Member
  • **
    • Posts: 32
    • Likes Received: +0/-0
Reply #33 on: Nov 07, 2014, 10:38 PM
FOr the rest:

I'm really enlightened to see yung advices na binigay ninyo. Some are also applicable for me. Thank you.

Ito yung usual allocation ko ng 'net income' ko and their purpose:

Tithe: 10%   --- para sa church
Savings: 7.5%    ---ito yung binubuild ko na eventually pagkukunan ko ng investments.
Emergency Fund: 7.5% --- in cases of emergency, dito kukuha pambayad. kaya separate siya sa savings
Transition Fund: 5.0%  ---- if right now, employed ka, ito yung pera na gagastusin mo while in between jobs ka. For job hunting season. once mareach na target amount, i-aallocate ko siya sa savings and efunds.
House: 25% --- nakikishare sa bahay. mahal rent sa metro
Internet: 1.25% --- uber need ko kasi online ngmemessage kapatid ko and other relatives. Tsaka pati bank transactions. Haha
Grocery: 7.5% --- toiletries and food. may free food nman sa bahay na included sa bahay kosa payment sa house.
Gifts: 5.0% ---- once in a while, may nagbibirthday. yung matitira, pede mong ipunin para may pambili ng regalo come christmas season  :harhar: at least hindi masyado magrerely sa 13month pay
Daily Allowance: 20% --- pamasahe pangkain sa office. kasama na din dito minsang eat out and leisure.
Travel Savings: 5.0% --- unwind din paminsan minsan. haha
Misc: 6.25 --- dito siguro mag fall under cellphone load ko (150-300/month) tsaka kung ano pa mang gastos na hindi applicable sa mga aforementioned.

>>>>yung half nang natititra sa Misc, Daily Allowance, Grocery and House payments, hinahati ko bet EFunds and savings. Yung the rest, iyon yung cash on hand na pangbuffer sa mga biglaang gastos. Haha

Kelan ko lang din natutunan itong scheme na ito. yung isang co-member sa spiritual group ko ang nagmementor sa'kin.

This is something na best magwork sa mga singles

Wala pong life and health insurance kasi covered lahat  yun sa work. Inaallot ko muna resources ko pang start up para magkapassive income para dun ko kukunin pambayad ko in case lumipat ako and walang coverage sa new work ko in the future.

« Last Edit: Nov 07, 2014, 10:41 PM by himechan14 »


  • Forum Expert 600
  • ****
    • Posts: 675
    • Likes Received: +1/-0
Reply #34 on: Nov 13, 2014, 12:15 PM
halos same kami ng net income ni TS.eto naman breakdown ng sakin:

6,000 - allowance per month (transpo and food)
6,000 - rent and utilities
1,000 - groceries
2,000 - panggala/lamyerda
1,000 - pambayad sa installment sa credit card
1,000 - travel savings
2,000 - mutual fund
7,000 - stocks

nabuild ko na emergency fund ko so hindi na ako ngalalagay dun. :D


Top Recent Posts

topic Ano pinagkakaabalahan natin sa ngayon?
[Chikahan, Kumustahan at Walwalan]
Today at 10:44 AM
topic Популярные игорные видео слоты на портале 2019
[General Questions and Discussions about Money]
Today at 12:31 AM
topic Надежные игровые аппараты на вебсайте 2019
[Bitcoin / Dash / Ethereum / LiteCoin / Cryptocurrency Trading]
Today at 12:28 AM
topic Нормальные игральные слоты на ресурсе 2019
[General Questions and Discussions about Money]
Today at 12:28 AM
topic Хорошие игральные слоты на вебсайте 2019
[Bitcoin / Dash / Ethereum / LiteCoin / Cryptocurrency Trading]
Today at 12:27 AM
topic Отличные игральные слоты на сайте 2019
[General Questions and Discussions about Money]
Today at 12:26 AM
topic Лучшие игральные слоты на портале 2019
[General Questions and Discussions about Money]
Today at 12:26 AM
topic Надежные игровые аппараты на вебсайте 2019
[General Questions and Discussions about Money]
Today at 12:25 AM
topic Надежные игорные видео слоты на портале 2019
[General Questions and Discussions about Money]
Today at 12:24 AM
topic Лучшие игральные аппараты на вебсайте 2019
[General Questions and Discussions about Money]
Today at 12:23 AM
topic Надежные игральные слоты на сайте 2019
[General Questions and Discussions about Money]
Today at 12:22 AM
topic Отличные игровые слоты на вебсайте 2019
[General Questions and Discussions about Money]
Today at 12:21 AM

PMT Shoutbox

Refresh History
  • Post only questions or comments here. Advertisements NOT ALLOWED.
  • whennedy: good noon po
    Yesterday at 12:04 PM
  • edzlpdac: goood day po sa lahat!
    Oct 12, 2019, 03:37 PM
  • bpc85: ask lng sana ako kung may makukuha ba kami ng Mama ko at ako or mga kapatid ko sa benepisyo ng aming Ama bilang membro ng AFPSLAI. thank you po.
    Sep 27, 2019, 12:52 PM
  • bpc85: Hi guys, im new here,.
    Sep 27, 2019, 12:52 PM
  • Anaperdi: Hi just want to know if meron dito who is into boundary hulog ng motorcycle? For mga riders ng courier. Pwede ba magpashare how it works? Naisip ko lang baka pwede ko ibusiness, meron na pala mga posts online pero di pa clear ang system sa akin. thank  you sa makakapansin
    Sep 21, 2019, 11:32 AM
  • Anaperdi: Hi newbie here..
    Sep 21, 2019, 11:19 AM
  • jprios: May contact ba kayo kung sakali?
    Sep 18, 2019, 06:11 PM
  • jprios: Sino pwedeng mahiraman dito?
    Sep 18, 2019, 06:09 PM
  • kfg52: Present!
    Sep 15, 2019, 07:26 PM
  • juju31: san po ba may nag papahiram dito
    Sep 14, 2019, 07:18 PM
  • juju31: hello
    Sep 14, 2019, 07:18 PM
  • FutureGizmo: Thanks julz! Medyo ganun nga trabaho namin ngayon, to monitor spam posts kasi ang daming spam bots. But thanks for reporting. Auto-ban agad ang spammers sa amin haha
    Sep 07, 2019, 12:17 PM
  • julz: @FutureGizmo si @nikkikv18 just posted more than 10 posts about porn sites. hay, spam.
    Sep 03, 2019, 01:05 PM
  • Cid_brent: sino po dyan pwede magbigay send ng paypal funds and I will pay you using gcash?
    Aug 25, 2019, 08:58 PM
  • Meghan91811: Sino po may alam about Rice Farming...
    Aug 25, 2019, 07:44 AM
  • roselove: hello po sa inyo... newbie here
    Aug 06, 2019, 03:31 PM
  • Niel Jhacoubs: Sino palaging active dito?
    Jul 30, 2019, 04:15 PM
  • dagocjasonrey: Anong update dito?
    Jul 22, 2019, 08:49 PM
  • mark_Lee: anong bago dito
    Jun 28, 2019, 01:03 AM
  • mark_Lee: balita
    Jun 28, 2019, 01:03 AM
  • Lovelyprincess72: hi everyone , I'm newbie here
    Jun 27, 2019, 02:36 PM
  • Niel Jhacoubs: Musta?
    Jun 26, 2019, 01:43 PM
  • Forexanalysis: Hello
    Jun 25, 2019, 06:33 PM
  • Niel Jhacoubs: Hello sa mga online jan! :)
    Jun 15, 2019, 02:58 PM
  • oragon: :applause:
    May 20, 2019, 03:53 PM
  • FutureGizmo: Thank you for reporting those spam posts, oragon! Spam posts now deleted.
    May 20, 2019, 01:59 PM
  • oragon: Admin kindly monitor some peps! posting and sharing inappropriate nude photos and website links
    May 20, 2019, 01:52 PM
  • @culinary10: Hello I am new here! Regarding sa bdo life insurance for 8 years, pwede pa kaya ma refund yung binayad ko na 50k last year? Gusto ko sana icancel kasi lack of financial na, last may 15 2018 po un nag start ako ng life insurance, pinili ko annually kaso etong may 15 2019 wala nako ma ipay so gusto ko sana icash out, may alam ba kayo kung pano marerefund?
    May 17, 2019, 07:56 PM
  • FutureGizmo: Hi Sonny, the posting issue is now resolved. Thanks for informing us! We're currently testing a new, mobile-ready theme so let us us know kung may problema pa sa Forum. :)
    Apr 04, 2019, 10:40 AM
  • sonny.wapak: Nakaka receive din ba kayo nito pag gawa ng new post? "Please try again. If you come back to this error screen, report the error to an administrator."
    Apr 03, 2019, 10:56 PM
  • leonine_zafiro: what product nun?
    Apr 01, 2019, 10:25 PM
  • dhondiex27: hi
    Mar 30, 2019, 10:55 PM
  • lusart: jayrob i agree 200%. hulog ng langit organico. legit na legit
    Mar 29, 2019, 09:08 AM
  • palemelch: Hi
    Mar 28, 2019, 04:08 PM
  • O.C.W._AK: Magandang Araw sa Lahat! Blessings! (",)
    Mar 28, 2019, 08:42 AM
  • thor15: hello everyone, newbie here
    Mar 25, 2019, 01:47 AM
  • captjaylo: present newbie here
    Mar 22, 2019, 10:06 AM
  • balboagilbert26: hello Guys .. Newbie here
    Mar 21, 2019, 10:55 PM
  • businesswoman2019: @jefsanity nag inquire na po ako pero di sila nagdidisclose. Yung branch po kasi na target ko, currently building pa.
    Mar 21, 2019, 04:27 PM
  • jefsanity: @businesswoman2019, much better inquire ka na lang sa admin nila.
    Mar 21, 2019, 01:51 PM
  • businesswoman2019: Hello! Any idea how much ang stall sa waltermart. 2m x 2m
    Mar 21, 2019, 08:28 AM
  • John Neil: Looking for an accredited iron foundry
    Mar 17, 2019, 03:19 PM
  • jayrob: Mark_Lee ung organico legit po yan..  Member din AQ..
    Mar 17, 2019, 12:57 AM
  • perlymelad: Hello po! Need advice, why my new MLM leaders failing?
    Mar 14, 2019, 08:51 PM
  • perlymelad: Present
    Mar 12, 2019, 07:53 PM
  • kennethmauricio: Hi saan po dito pwede mag post ng for sale properties?
    Mar 11, 2019, 07:58 PM
  • jefsanity: @mark_lee isipin mo anu passion mo at skills mo...
    Mar 11, 2019, 06:52 PM
  • sniperaj09: BAGO LANG
    Mar 10, 2019, 11:16 AM
  • mark_Lee: magandang investnent ngayon sa 30k suggest naman keo mga boss
    Mar 10, 2019, 03:07 AM
  • perlymelad: E-BOOK PO SIR @JEFSANITY
    Mar 09, 2019, 05:40 PM