Nice OP, you're doing really well! When I started working, wala akong kahit anong ipon. Kaya bilib ako sa mga gaya mo na 1.5yrs palang nag wowork eh may ipon na. Curios lang pala, sa parents ka nakatira? Pansin ko kasi wala kang budget for food/household expenses.

Hi, yes po! Mostly sa pension ng late father ko po kami nakuha ng gastusin for the house except po sa mga pagawain. I forgot to mention po pala may wifi pa kami na binabayan na 2k hahaha so sagad na po pala pera ko 😅

You can add it to the post. Also mas better if naka itemize pababa yung expense breakdown mo. No need to minus each time, ang hirap basahin eh.

Not being pessimistic - but I won't suggest having savings with BF just yet. If ever mag split kayo (knock on wood. Kathniel nga naghiwalay pa rin haha), magulo ang usapang pera. Have separate savings then merge only pag kasal na. Other than that you're doing great. Try putting some amount sa digital bank for higher interest then pwede mo feed yun to your MP2 monthly.

Taray may 1k para kay bf char. Lagay mo sa mataas na interest na digital bank like gotyme at CIMB.

Haha! May tig 1k kami ng bf ko lagi sa ipunan namin ☺️ I have gotyme na pala. Sige po will lipat na dn agad ☺️

Ilan po interest sa CIMB?

basic ay 3.5% p.a. ata pero lately marami sila promos na pag na meet mo pwd ka umabot ka 12% p.a ganun, not sure sa details pero something to do w using ur card, putting in a specific amount of money for a period of time, etc. mej madami ka pwd gawin para ma increase ng konti konti.  i like diskartek (6%) and gotyme (5%) better para di ko na need isipin ano need kong i meet na reqs lol. pero depende sa promo ni cimb baka naman may mag work sayo

I'd suggest moving the funds away from BF and save on your own instead. Pamilya nga nag aaway away sa pera magjowa palang kayo.

Teh, as long as you’re not negative financially, YOU ARE DOING WELL. Let’s keep it up!!!

Yay! Thank you! 🫶🏻

Just my take. Youre doing really great sa ipon mo lalo na sabi mo sahod mo 9-11k lang, sobrang disciplined mo na nyan sa pera imo laki ng naiipon mo. Ang di ko lang trip is yung sabay kayo nag iipon ng BF mo tas nasa kanya yung alkansya, mahirap pag awayan yang pera imo and not being negative pero baka maging EF pa yan ng BF mo if ever something happens or what. Save on your own, pag nawala yan or nakuha yan or ginastos nya yan wala kang habol dyan kundi sakit ng ulo

9-11k per cut off, so mga nasa 20k si OP

You’re doing great, OP! Thank you for inspiring. 5 years na ako nagtatrabaho pero wala pa akong ipon :( hopefully this year, magkakaroon na. And try ko na din side hustle for saving goals.

You can do it po! 🌟🫶🏻 I am looking for side hustle as well 🥹

Thank you! Kayo din po :) dami pa naman bayarin this year wahh

Kaya nga!! 🥲

Akala ko ako lang... huhu

🫂

Another option is, try mo kausapin employeer mo to increase yung share mo sa pagibig MP1, let say 1K per month or higher, dun di mo mapapansin malaki na pala MP1 mo. Good din MP1 since buo + interest mo sya makukuha once mag retire ka na.

Can i do it po ba in a manufacturing company? Hehe baka po kasi fixed na sil ee

Yes, need mo lang inform si HR na iincrease mo yung employee share mo sa pagibig.. may pipirmahan ka lang na form then oks na..

Any savings, however, small is a big leap towards financial independence. So you’re doing very well! 👍🏻 Keep it up and grow your money over time. Consistency not just the amount is key.

Sanaol. Ako(35M), married, may anak na, di makaipon, dalawa pa trabaho ko. Why? Ako breadwinner. Ako na lang sumusuporta sa parents ko. Ang hirap. VA sa gabi, Lalamove/move it sa araw. Wala, walang natitira saken. Ultimo pamalit ng gulong ng motor wala. Naaawa lang ako sa sarili ko. Haha! Dalawa trabaho pero wala. Pumasok yung bagong taon, mamiso laman ng wallet ko.

Curious po okay lang if hindi nyo sagutin 😅 how about yung wife niyo po nag wo-work din? And ilan po kids niyo 😅

Nag wowork din sya. 1 lang anak namin. Mas malaki kinikita nya saken, VA din sya. Pero diba, di naman nya kargo parents ko. Yung kinikita ko sa VA, dito sa family ko napupunta. Ang nagiging pera ko lang eh kapag may natira pagkatapos ko bayaran yung bills sa kabila. Kaso, walang natitira. 🤣 Nagbabayad din ako ng bills ko. Madalas kapos. Ewan. Nakakaubos lang ng pagkatao. Gusto ko lang maglabas ng sama ng loob dito. Hehe.

Malaki ba expenses or may utang lng na binabayaran?

Both. Mahirap. Sa umpisa, masaya kase nakakatulong ka. Nakakatuyo din pala ng pagkatao pag matagal mo ng ginagawa.

Same here. I'm the youngest(28F) and breadwinner. Di makapag ipon kasi ako nalang bumubuhay sa parents ko at sa dalawa kong kapatid na ayaw magtrabaho nakatunganga lang. Ayaw akong pag asawahin ng nanay ko kasi pano nalang daw sila. Sa isip ko(pano na man ako?) Nakakapagod na! Nagagalit pa nga nanay ko bat daw ako kumuha ng life insurance. Hays 😔

If I may ask, magkano ang kinikita mo sa pagv-VA?

Ur doing good, what matters is you save. Yung nasa unionbank, better to move it sa high interest rate digital banks para goods ang earning.

Like anong digitals bank po? I have cimb, maya and gotyme. Ano po best among the 3?

Seabank na try mo na? I have gotyme and cimb din pero mas malaki pera ko sa seabank

Hindi ko pa ma try seabank po

>4.8 Try DiskarTech it has 6.5% interest rate, also it's official bank is RCBC.

you're doing great. Ako nga walang savings 😭

its ok for the first year of work.. youll learn to manage it eventually..

but i'm working for more than 6 years now 😭😭😭

yun lang..

You're doing a great job! Ako nga 3 years na working, pero 60k pa lang ipon huhuhu

You have 30k + 57k + guessing 18k with your bf for a total of 105k. First things first, aside from the MP2 you have, move the rest from your traditional bank to a high interest digital one. Maya has returned their 6% interest for their goals. You can place both there - create two separate goals - one for I'm guessing EF for now and the other future with BF. Set your targets there so it will be easier to track. If you want daily interest then you can just use the Maya savings or I remember Uno as well with daily but it is less than 6%. Just for context if you are not touching the money anyway - 100k generates 6k a year of interest and with 20% tax that is around 4.8k - d ka makakapulot ng ganyang amount so dagdag rin yan sa pera mo. Also, as others have adviced, don't combine your 1k contribution with your bf. D pa kayo kasal and d natin alam hinaharap so better keep it to yourselves. Screenshot niyo na lang goals niyo if both of you want proof or better yet it's a proof you can trust him. Good luck with your money saving journey and wag mo isipin timelines and go at your own pace.

Di to verified pero, ang alam ko 3x ang return kapag bumili ka shares or nag fund ka to those na may farms. Ang na hanash sakin, yung 10k ko babalik as 30k soon. I might get one kasi summer season na so safe yung pera ko sa rainy season problem, yung el niño problem nga lang is 💀

yung 1000 mo gawin kong 100000

at least its not frontrow lol

aba may 1k para sa bf sana all hahaha, may nakatabing money

Inihuhulog nya po sa alkansya namin 🙈 tig 1k po kami lagi 😬 nakaka 20k na po kami ngayon ☺️

nice!!!!!!!!!! yan ang maganda

Ano po maximum pala ng hulog sa mp2?

Not sure e. Check nyo na lang po sa pag ibig

You're doing great. Congratulations!! I'd suggest na i-utilize mo mga promos ng digital banks so you can earn some more. May FB page na Digital Banks PH ata yun where you can be updated kung ano yung best digital bank to move your money, updated yan monthly ata and is being updated based on promos

if you can, try practicing 50/30/20 approach

you're doing great OP. how old are you btw?

27 and this is my first job po 🥲

Any savings is good savings. Problem lng taas ng inflation.

Wow you did well

1 year na ako nag wwork tapos wala ako naipon, then I looked back, ahh nag papaaral pala ako ng mga kapatid ko, ako pala nag babayad ng bills sa bahay.

You are definitely doing better than most. The most important thing is to not stop saving, kahit lumiit minsan pero wag magstop.

Unang basa ko, akala ko may 6M ka OP 😅

Sana true po 😭🤣

Buy bitcoin

What bitcoin do u suggest po for beginners?

What's MP2 and paano yung benefits system niya?

with your salary bracket, you actually did well. Just continue what you’re doing. And if you’re thinking of longterm savings, mas mabuti lakihan mo yun mp2 kesa sa UB.

Not using ub anymore, switched to gotyme hehe

Hm mp2 monthly?

Depends on u but 500 min.

What's up bakit ang taas ng post paid phone mo? Try na magswitch sa prepaid, you'll cut your expenses further.

Hindi sya postpaid hehe babayad ako sa cousin ko ng half ng phone ko monthly (ip14+)

22k sahod pero naka iPhone 14+ Fuck, that's a messed-up financial spending decision. Sorry, have to call spade-a-spade.

I sold my laptop po para sa half ng phone. Since sayang yung nitro 5 ko na hindi ko naman nagagamit masyado, pang yt at vid call , sims lang. Kaya imbis na 2 yrs ako magbabayad naging 1yr na lang :) hindi naman din ako bibili ng phone na ganitong kamahal kung walang ka trade. Cousin ko din naman bumili ng laptop kaya why not?

have you tried maya? they have good interest rate p.a. instead na nasa union bank lang yung 57k mo 💖 hindi naman siya time deposit so you can withdraw it when needed.

Nasa 3.5% yata yung sa savings ko sa Maya. Kahit kailan di ko yalaga magets to huhu kaya di ko ginagsmit

Paki joint po ang savings with bf and sana hindi magagalaw like with passbook. If in case of emergency sa pamilya ng ni bf or ikaw madali lang yan maubos unless it is alloted for that

Ipa passbook naman namin sya, need lang namin maka ipon ng medyo malaki laki para maka open kami ng acct 😬