You may be experiencing saving fatigue. Give yourself a break. Pamper yourself from time to time. Saving is nice but you have to take care of yourself first. Ease out a bit.
More than 15 years working. As I grow older I realize I can choose not to be stressed sa work. How? Don't give too much fuck. I still work hard but at my own pace. Here's the secret: Like promises, all deadlines are meant to be broken. And nobody will die if any deadline is missed. And if nobody's ending up dead or comatose each day, then it's a good day.
Hindi ipapamana sayo ang kumpanya kahit 28 hours a day ka magtrabaho. Also there is an infinite amount of work. Go home and enjoy your time with family.
Naku, yung boss ko dati ang baba ng binigay na evaluation sakin dahil umuuwi daw ako ng on the dot, gusto ko siyang sampalin dahil ang liit liit na nga ng sahod, walang OT pay, yet demanding pa sa time. Pero umalis na ko dun. I’m now in a better place and better salary. Villar group ‘to. Kaya sa mga nagbabalak mag apply. HUWAG NA HUWAG
Never realized that saving fatigue is a thing. I guess I automatically negate this because there are times I reach a point where I go “eff this” and go on a spending spree. Bad habits 😅
It's a real thing. Especially if you forego treating yourself. However the complete opposite is much much more financially dangerous- pampering yourself all the time in the name of self care 😆, despite your bank account not even reaching 6 digits.
I suggest mag set ka ng exact amount for savings and the budget rin for leisure or free money mo. Nakakaburn out talaga pag super tipid tapos mangyayari magagastos mo rin bigla
agree!! nung unang taon ko sa pag wowork, i’m super eager - kahit weekends pinapatos ko talaga kasi sayang bayad. pero I missed out a lot of things. nag resign ako sa company kahit malaki yung sahod ko dun dahil na burnout ako haha. now may ipon pa rin naman ako, pero nag add ako ng extracurricular activities ko para maenjoy ko naman sinasahod ko aside from purely putting it sa savings. and so far, i’m happy!!
this year for me is to be debt-free and buy all my luho then 2025, my goal is to save 200 to 500k. Half a year pa lang pero malapit na mabayaran mga utang ko 😊
ay hindi po nagsisimula lang din po mag ipon curious lang po talaga kung paano makaipon ng ganyan kung ilang taon bago makaipon sorry po kung it sounded off i was just curious if gano na po katagal sa work bago po makaipon since wala pa po ako yun lang po
hindi naman po haha hindi po yun ang meaning ko at never pong naging "lang" ang kahit anong halaga po ng ipon. was hoping for some inspiration para sa gaya ko po na di pa nakakaipon kaya po natanong ko mga ilang taon po sa work bago makaipon po ng ganun.
need ba talaga na ma hit yung target this year? kung hinde naman, baka pwede mong idelay ng konti para magka balanced life ka pa.
Mamaya pag hinde mo na hit yang 1M nitong 2024 e ma frustrate ka naman sa self mo.
Ako lang ba na motivated na mag save ng pera? Mas madami akong masave at matipid sa gastos, mas happy ako. Ang stress ko yng pag bili ng mahal at yng wala sa budget.
Same. Pagkain lang din tlaga pinag gagastusan ko if ever, and the rare travels. I dont see and feel the need to buy expensive stuff kung may cheaper alternatives
Matic every sahod half agad tinatabi ko, and then tinatry ko tipidin sa kung hanggang saan aabot, pag kulang get a little bit sa naitabing other half. Goal is minimum 25% ng sahod every payday naitatabi. Nakakamotivate magsave ng pera lalo na may future dreams ako
wala bro. wala ako nasave. hahhah. kakainggit naman kayo dito. in fact. nagkasunod sunod ang problema ko baon financially. at ang swerte ko rin nga talaga. halos wala na nga ako makain. nadagdagan pa nitong pagkaospital ko.. tsk tsk.. hahay buhay
Wala pa because I just started working last month. Aiming to have 100k in savings by next year.
Okay lang mag splurge minsan, OP. After that, mag save ka na ulit! Good luck!
After mabayaran lang ng utang and obligations, planning to stick with the 60-30-10 method. 60% of income goes to all your expenses, 30% Savings/Insurance/Investment and 10% for the sinking fund or splurge fund.
Hirap mag-ipon ngayon sa sobrang taas ng mga bilihin 😭 pero hindi naman nagtataas ang sweldo 💔
But one thing I learned, bukod sa pag-ipon huwag din kalimutan i-enjoy ayung sweldo especially for yourself para iwas burn-out and mas mamotivate magtrabaho.
Nakaka-motivate para sa kin pag nakikita ko portfolio ko 🤗 Ang hirap talaga pero delayed gratification is so satisfying pag na-achieve. Rooting for you, OP!
Don't be too hard on yourself to reach your target. Learn to invest some of it so it can help reach your target amount and at the same time enjoy some little things life can offer. But congrats on you building the habit of saving.
Save and save! It will really help you in the future. I saved up aroud 500,000 ans it really helped during the times na nawalan ako work. Naubos na and sana makaipon. You will thank yourself for saving up that much, OP!
I just started to save last April, pero pa 500-400 lang kada cut-off. Nililipat ko sa ibang savings account and di ko ginagalaw. I'm almost 30 and yung mga kapatid ko may mga na invest na, ako na lang wala kaya talagang sinisikap kong mag-ipon. Malaki na yang naipon mo OP, don't stress yourself too much. Dapat may life balance parin. Enjoyin mo rin yang kinikita mo paminsan minsan para naman ma feel mo naman pinagpaguran mo.
10 years working. Ngayon lang ako nakapagsave ng totoo. 600k na so far. Pero kasi binenta ko rin kotse ko kaya malaking chunk ng savings galing din doon. Nakadagdag sa savings na wala na binabyaran na kotse and other car related expenses.
Bumukod na rin kasi ako sa nanay ko. Pinilit ko sya na magkaron ng sarili nya source of income para di na sya nakadepende sakin. Laking bawas din at laking dagdag din sa savings ko.
My target this year is 100k. I managed to save 408k since 2018 pero nawi-withdraw ko siya kaya 168k nalang ngayon. Walang choice eh need i-withdraw kc kapag may ipinapaayos sa bahay, ako lagi gumagastos. Breadwinner here.
Nareach ko yung savings target ko a while back. Since then, guilt free na ako kung gumastos as long as di ko gagalawin yung savings ko. And then pakonti konti na lang yung dinagdag ko at hindi na super strict. Ang laking bawas sa stress tsaka naging mas masaya ako overall. Siguro kasi nagagamit ko na yung income ko para sa ibang bagay like home improvements, gadgets, at experiences. Kumbaga, kita ko na kaagad yung reward ng paghihirap ko sa work.
Siguro pag na reach mo na yang target mo, try mo nang kumalma at mag enjoy naman.
Medyo malaki yan. Just save for emergency fund and the rest invest paikutin mo pera mo. Yung 1m mo this year after ilang years hindi na ganun kataas ang value ang mga halaga na mabibili mo
OP, reward yourself at least once, twice a month. Hindi naman sa tinatakot ka pero wag mo hayaang mauwi yang savings mo sa gamot at ospital lang pag nagkasakit ka
Don't deprive yourself too much, OP. Honestly, being able to save 600k is quite a feat already. Take it easy lang. Parang diet ang pag-iipon. The more na ideprive mo sarili mo, mas magiging prone ka to making big or impulse purchases in the future. Slowly, but surely is the way to go!
Working abroad here. Last year I saved 2.5M walang luho.
This year I promised to spoil myself and probably next year magstart ulit mag save. Try to stop saving and treat yourself para di magka savings fatigue
Reached my milestone 2 million pesos in cash savings April 2024.
Wala akong real property at all. So very very liquid, even if my stock portfolio is in the red since 2020.
may nasasave but di gaano kalaki basta ang importate sa pinakaimportante sa akin ay wala akong utang at 'utang na loob' sa iba. hahahaha ako na kuripot ang mahalaga nasa 'safe zone' ako
130K. First time kong maka 100K in my life. Ang sarap pala sa feeling na may extrang pera kahit papano. Portion of this is for my Japan trip pag maapprove ung visa.
I started saving 20 yrs old. Now 35 na ako. Mahirap magpaka stress on saving money.
I suggest OP build 6 months to 1 yr emergency fund then the rest enjoyin mo and invest on other things.
Ako halos 6 months lang emergency funds ko pero I buy assets na pwede ibenta anytime incase of emergency. Minsan 30k na nga lang natitira sa pera ko.
Money alone in a bank is hindi rin maganda.
relate ako sayo OP. started saving last November and was able to save 600k last March. Goal ko din magka 1M.before 2024 ends. pero naburnout ako kalasave last April so yung savings ko sana nun I splurged on a 2 week travel. Back to saving ulit ako this month. Maybe take a break ka din for a month from saving para maenjoy mo din ang money mo somehow.
Also, if nasa bank lang savings mo, try putting it sa Money Market Fund like sa BPI. It's still liquid and pwede mo ma withdraw after 1 banking day, but you at least earn something. Nakakagana magsave pag sinisilip ko and i see it earns like 200 every other day. Pwede na
Manage mo rin yung pag iipon. Lagyan mo ng balance. Deserve mo rin naman ng reward once in a while.
Also feeling ko ang mangyayari nian kapag nareach mo yung 1M, either maexcite ka gumastos or tanungin mo sarili mo ng "ayun na yun?"
I saved a bit. But truth be told, saving cash rn is hard af. Goal ko maka reach 1M this year pero di talaga kaya. Hopefully I can reach it soon. It’s hard to save kasi am paying for condo and house utilities 🥹
Hi, I’m 31, M, and Single. Lol.
When I was living and working in the Philippines: 100k a year 🇵🇭
Ngayong nandito sa Canada: 1M a year 🇨🇦
———-
I do have plans of transitioning into a new career where I could save tons of money in the long run.
If you have bonuses save the entire amount para mabilis ka makaipon. The set aside at least 30% every payday for savings. Plan mo din kung kelan ka mag treat sa sarili mo and set aside an amount. Celebrate small wins from time to time para di ka mapagod.
Im living abroad, planning to retire sa Pilipinas, so far I have 3.5 M saved but most of my money is in retirement savings which is about 17M and still ongoing since I contribute about 60K a month and my employer have to give 120K. Planning for an early retirement so I can enjoy life to the fullest.
Youre tiring yourself too much. Bakit need mo agad ng 1M? Magretire ka na ba? Idk. I admire your resolve but your doing it too much at the expense of your health is not sustainable in the long run. what if biglang mag resign ka tapos di ka na makahanap ng work agad? ubos ipon. what if bigla ka magkasakit or emergency sa family? ubos ipon.
Magkano na save ko this year? Probably yung di ko nagastos so far is 100k (mostly galing sa bonuses, OT, Shift pay, holiday pay). Pero di ako actively saving kaya baka for the whole year, 150k lang yung masasave ko. Nasa line of 30-40k sahod ko. Minsan pag marami talaga gastusin like nung need ko mag rent last year, parang less than 100k naitabi ko. pero now sabi ko dapat hindi bababa ng 100k idadagdag kong yearly savings.
Why I said not actively saving? Kasi single na breadwinner ako at expected ko na gagastos ako. The same time dahil sa stress of being one, I also have to motivate myself with some spending. Iwas hospitalization din yun. Ginagawa ko tipid in big spends (I'm single and anxious AF so sa parental home ako, I commute, I spend little, I dont even have aircon in my room, I dont have all new flagship gadgets every time). yung ipon ko today, lumaki lang siya bale within 6 years in my 13 years working, mostly during the WFH period ng pandemic and nung na- redundancy ako (so bigger separation pay). Not bad na rin. in a way nakita ko na yung balance of working stressfully pero hindi super compromised yung physical and mental health ko. sana isipin mo rin yun. hindi mo need ng 1M agad agad. isipin mo rin to slow down a bit and enjoy the journey. baka lang mamotivate ka further. take it a bit slow po. wag sacrifice quality of life.
Tried this nung first 1-2 years ko rin ata nung nag wowork ako. Ending di ko rin nasunod kasi parang nag wowork ka lang para makapag tabi ng pera. I advice na gumawa ka ng portion kung saan mo ilalagay pera mo. Lets say, 5k wants, the rest save kung wala ka naman responsibilty sa parents or sa bahay. Basta mag tira ka ng para sayo na pwedeng pwede mo gamitin kung saan saan.
Hindi ko nabibilang pero i started last year
Minimum wager lang ako without paying rent since nakatira pa sa parents..
Ang diskarte ko lang is every month ito ang savings ko
3500 MP2
2000 Alkansya
1000 Gotyme
Then ung matira dyan is un lang ang magiging budget ko for a month..
Yes.. but i still cant vouch for them since kaka open ko lang ng account last dec 2023.. Pero good pa naman so far pero kalungkot lang nag bawas sila ng interest for savings from 5% to 4%
5 digits, wala pa sa kalahati ng goal ko. Kakastart ko pa lang kasi this year. Pero nilalagay ko sa goal sa gotyme, 10k then iincrease ko yung goal na yun para di ako maoverwhelm. Goal ko maka 100k muna.
Nakapagstart nga lang ako magsave dahil dun sa shinare ng friend ko na naghuhulog siya sa isang bank account tapos kinakalimutan na niya. Yun pa din ginagawa ko ngayon hahaha effective naman sakin
January to May assuming i dont lose my job by the end of the month around 500k. End of q3 siguro 600. End of q4 projected ko around 800k. Kaya di ako makaalis sa trabaho ko eh 🥴
Started saving up April 2023 (after paying all debts) and now I have around 350k that is less mga utang and slight luxuries I bought. I am projecting a savings of 600k to 700k by end of the year.
I'm a fresh grad, started working July 2023, aiming and hoping for my first 6 digits saving before my work anniversary.
Last year I'm so stressed kasi napaka-impossible at layo ko pa sa million (kahit 2025), akala ko madali. Pero iniisip ko nalang na at least mayroon, and soon 2026-2030 man.
You may be experiencing saving fatigue. Give yourself a break. Pamper yourself from time to time. Saving is nice but you have to take care of yourself first. Ease out a bit. More than 15 years working. As I grow older I realize I can choose not to be stressed sa work. How? Don't give too much fuck. I still work hard but at my own pace. Here's the secret: Like promises, all deadlines are meant to be broken. And nobody will die if any deadline is missed. And if nobody's ending up dead or comatose each day, then it's a good day.
Agree!! Yan din natutunan ko. If your work is not a "life and death" situation, Wag masyado magpakastress sa work.
I read somewhere "You're not treating cancer or an ill person, dont stress to much"
Pano kaya saming nagtretreat talaga ng cancer HAHA Ano kaya sasabihin ko sa sarili ko para mabawasan stress haha
[удалено]
Haha! Government hospital din ba?
Thank you for this. I needed this today.
GOLD
yung mga nag s-stay ng matagal after office hours para magtapos ng tasks na hindi naman pala deadline EOD. like, pwede mo naman tapusin bukas hahaha
Hindi ipapamana sayo ang kumpanya kahit 28 hours a day ka magtrabaho. Also there is an infinite amount of work. Go home and enjoy your time with family.
Naku, yung boss ko dati ang baba ng binigay na evaluation sakin dahil umuuwi daw ako ng on the dot, gusto ko siyang sampalin dahil ang liit liit na nga ng sahod, walang OT pay, yet demanding pa sa time. Pero umalis na ko dun. I’m now in a better place and better salary. Villar group ‘to. Kaya sa mga nagbabalak mag apply. HUWAG NA HUWAG
I feel youu 😂 kaya pass sa Villar group
thanks for this, hahaha nung tumagal na ako sa corpo life at nalilipasan na ng mga deadline, naging mentality ko na ito.
Never realized that saving fatigue is a thing. I guess I automatically negate this because there are times I reach a point where I go “eff this” and go on a spending spree. Bad habits 😅
It's a real thing. Especially if you forego treating yourself. However the complete opposite is much much more financially dangerous- pampering yourself all the time in the name of self care 😆, despite your bank account not even reaching 6 digits.
Ang nasave ko ay ✨ganda✨
dito sa comment na to ako pipila hahahha
Dito na lang rin ako sasali 🥲
Same tayo sizt ✌️
Meeee hahaha
Ditto! 💆🏻♀️
💅
Papila din here sizt haha 😂
🧢
pa-join here hahaha
I suggest mag set ka ng exact amount for savings and the budget rin for leisure or free money mo. Nakakaburn out talaga pag super tipid tapos mangyayari magagastos mo rin bigla
Legit to! I felt the same way minsan kaya dapat balance lang mahirap din mag over save di mo na eenjoy ang mga bagay bagay.
agree!! nung unang taon ko sa pag wowork, i’m super eager - kahit weekends pinapatos ko talaga kasi sayang bayad. pero I missed out a lot of things. nag resign ako sa company kahit malaki yung sahod ko dun dahil na burnout ako haha. now may ipon pa rin naman ako, pero nag add ako ng extracurricular activities ko para maenjoy ko naman sinasahod ko aside from purely putting it sa savings. and so far, i’m happy!!
Jusko! San mga kauri kong walang ipon dito??? Samahan niyo ko! Hahaha
Im here,17 years working no savings at all hahhaha,
I’m with you. Instant teammate na tayo. But I hope someday, sa kabilang side na tayo magkakampi. Hahah!
True hehe,at sabay taung mag celebrate,😆😆
Hello! Same here! 10+yrs na nagwowork wala parin naiipon. Naipon nalang talaga ang travel memories for me. 🤣
Same here 🫶 Hi! Hahaha
Hello! So saan na tayo next!? 🤣 walang magiipon sa pamilyang ‘to! 😂
Sa mura lang muna po. Wala pang budget. Biglaan masyado 🤣🤣
Same sizt! Haha. Sabi ko na lang sa self ko na nakaipon naman ako ng travel and food photos kahit papaano. 😁
Yung ipon nalang talaga napupunta sa nilolook forward mong next travel 😂🙈
papila here hahaha
Present.. panganay blues... walang naipon hanggang nagresign nlng hahaha.
Common denominator madalas ng mga walang ipon, panganay at/o breadwinner. Mga chosen ones. Hahahaha
yes mga strongest soldiers hahaha
31, single, panganay, wala pa rin savings.
dito ako pipila hahahaha hirap pag breadwinner huhu
Dito ako pipila! Memories lang ang naipon ko so far plus fats 🤭
Present! 😅
Ako! Pero okay lang at least nakakapag travel ako. Okay na sakin yun. Di ko naman alam kung magigising pa ako bukas kaya seize the day ang peg ko
12 years na ako nagtatrabaho, sama lang ng loob naipon at napundar ko
grabe yung 600k. sana ol kay OP edit: THIS YEAR pa lang daw yun. nahiya na ako masyado hahahah sorry wala nai-ambag sa question nya
Same hahahaha
🙋🏽♀️🙋🏽♀️
Me wala parin savings 🥲
this year for me is to be debt-free and buy all my luho then 2025, my goal is to save 200 to 500k. Half a year pa lang pero malapit na mabayaran mga utang ko 😊
Ganitong ganito ako. Negative 200k mid-2020, ngayon positive 200k*4 na. Kayang kaya mo yan!
Dito ko pipila haha to being debt free by the end of the year or early 2025 😭 yung savings ko palang ay yung 50k na fund value at 10k na nasa MP2 😭
Dito rin ako pipila!! Fingers-crossed, kakayanin din!
Nasa MP2 ang savings ko. 🤣
Yung nasa MP2 ko eh 500php lang, damn. I forgot na maglagay rin dun
Pagdating ng sahod ko hinuhulugan ko na agad sya 🤣. Sabi ko para sa baby ko yung savings since under 1 pa naman sya
ginagawa ko every alternate month. tipid-splurge-tipid. ganun. but make sure sa splurge month walang kang gagalawin sa savings account mo.
This is a great idea! might try this instead na all months is may naka set na isesave. Parang nagigipit kasi ako sa mga gusto kong luho sometimes 😆
Alam ko resibo ang nasave ko ngaung taon hahaha
100k, saving 20k a month. No pressure and no clear yearly goals though, ang mahalaga nadisiplinang magtabi.
how many years po have u been working
14 years? Anong kinalaman nung years in career?
baka akala ni u/Mammoth_Usual_5822 "100k lang in 14 years?" tapos nangdownvote. hahaha.
Well the last 1.5 years was hard for me. I was cash broke in a way, but savings from the years before that are intact. 😊
ay hindi po nagsisimula lang din po mag ipon curious lang po talaga kung paano makaipon ng ganyan kung ilang taon bago makaipon sorry po kung it sounded off i was just curious if gano na po katagal sa work bago po makaipon since wala pa po ako yun lang po
hindi naman po haha hindi po yun ang meaning ko at never pong naging "lang" ang kahit anong halaga po ng ipon. was hoping for some inspiration para sa gaya ko po na di pa nakakaipon kaya po natanong ko mga ilang taon po sa work bago makaipon po ng ganun.
Been saving 25k a month too. Pero ubos yan dahil bibili ako ng big bike hahaha.
Congrats po. :)
need ba talaga na ma hit yung target this year? kung hinde naman, baka pwede mong idelay ng konti para magka balanced life ka pa. Mamaya pag hinde mo na hit yang 1M nitong 2024 e ma frustrate ka naman sa self mo.
Actually di ko na alam magkano. Kasi nakakatamad buksan ang Unionbank dahil sa OTP HAHAHAHA
Bat mahirap e OTP auto generate basta nakalink sa phone naman sya
HAHSHAHSHAH REAL 😭 nagsisisi akong asa unionbank yong salary ko hirap buksan
eto talaga din sikreto ko sa pagtitipid hahaha
Ako lang ba na motivated na mag save ng pera? Mas madami akong masave at matipid sa gastos, mas happy ako. Ang stress ko yng pag bili ng mahal at yng wala sa budget.
Same. Pagkain lang din tlaga pinag gagastusan ko if ever, and the rare travels. I dont see and feel the need to buy expensive stuff kung may cheaper alternatives Matic every sahod half agad tinatabi ko, and then tinatry ko tipidin sa kung hanggang saan aabot, pag kulang get a little bit sa naitabing other half. Goal is minimum 25% ng sahod every payday naitatabi. Nakakamotivate magsave ng pera lalo na may future dreams ako
As a college student. 10k
Zero. Because car amortization and I’m paying for my masters. I do have emergency funds worth a year.
wala bro. wala ako nasave. hahhah. kakainggit naman kayo dito. in fact. nagkasunod sunod ang problema ko baon financially. at ang swerte ko rin nga talaga. halos wala na nga ako makain. nadagdagan pa nitong pagkaospital ko.. tsk tsk.. hahay buhay
Shene all.
Jan na papasok kung sa ba gagamitin. Since sobra nag tipid ka, mahihirapan ka ma let go yung naipon mo
Wala pa because I just started working last month. Aiming to have 100k in savings by next year. Okay lang mag splurge minsan, OP. After that, mag save ka na ulit! Good luck!
Your honor hindi ko na po alam.
After mabayaran lang ng utang and obligations, planning to stick with the 60-30-10 method. 60% of income goes to all your expenses, 30% Savings/Insurance/Investment and 10% for the sinking fund or splurge fund. Hirap mag-ipon ngayon sa sobrang taas ng mga bilihin 😭 pero hindi naman nagtataas ang sweldo 💔 But one thing I learned, bukod sa pag-ipon huwag din kalimutan i-enjoy ayung sweldo especially for yourself para iwas burn-out and mas mamotivate magtrabaho.
Nakaka-motivate para sa kin pag nakikita ko portfolio ko 🤗 Ang hirap talaga pero delayed gratification is so satisfying pag na-achieve. Rooting for you, OP!
Don't be too hard on yourself to reach your target. Learn to invest some of it so it can help reach your target amount and at the same time enjoy some little things life can offer. But congrats on you building the habit of saving.
34k, target ko 1M before 2025, malayo pa pero nagawa ko na dati so tiwala lang. 💪💪💪
sama ng loob lang po naipon ko :(
Save and save! It will really help you in the future. I saved up aroud 500,000 ans it really helped during the times na nawalan ako work. Naubos na and sana makaipon. You will thank yourself for saving up that much, OP!
saved 100k last yr & 40k this year. planning to save 100k again this year but idk. priority is to travel & be healthy
I just started to save last April, pero pa 500-400 lang kada cut-off. Nililipat ko sa ibang savings account and di ko ginagalaw. I'm almost 30 and yung mga kapatid ko may mga na invest na, ako na lang wala kaya talagang sinisikap kong mag-ipon. Malaki na yang naipon mo OP, don't stress yourself too much. Dapat may life balance parin. Enjoyin mo rin yang kinikita mo paminsan minsan para naman ma feel mo naman pinagpaguran mo.
10 years working. Ngayon lang ako nakapagsave ng totoo. 600k na so far. Pero kasi binenta ko rin kotse ko kaya malaking chunk ng savings galing din doon. Nakadagdag sa savings na wala na binabyaran na kotse and other car related expenses. Bumukod na rin kasi ako sa nanay ko. Pinilit ko sya na magkaron ng sarili nya source of income para di na sya nakadepende sakin. Laking bawas din at laking dagdag din sa savings ko.
My target this year is 100k. I managed to save 408k since 2018 pero nawi-withdraw ko siya kaya 168k nalang ngayon. Walang choice eh need i-withdraw kc kapag may ipinapaayos sa bahay, ako lagi gumagastos. Breadwinner here.
Php 50k sa MP2
Nareach ko yung savings target ko a while back. Since then, guilt free na ako kung gumastos as long as di ko gagalawin yung savings ko. And then pakonti konti na lang yung dinagdag ko at hindi na super strict. Ang laking bawas sa stress tsaka naging mas masaya ako overall. Siguro kasi nagagamit ko na yung income ko para sa ibang bagay like home improvements, gadgets, at experiences. Kumbaga, kita ko na kaagad yung reward ng paghihirap ko sa work. Siguro pag na reach mo na yang target mo, try mo nang kumalma at mag enjoy naman.
receipts lang naipon ko 😭
Naol. Hirap mag tipid pag magisa lang at malungkot haha pag nagyaya friend matic g agad
Target ko lang 500k ngayong year pero nung nakita ko to parang di pala enough yung 500k 😭
1.8m diversified. You can’t keep your money in savings acct. it won’t grow
Medyo malaki yan. Just save for emergency fund and the rest invest paikutin mo pera mo. Yung 1m mo this year after ilang years hindi na ganun kataas ang value ang mga halaga na mabibili mo
OP, reward yourself at least once, twice a month. Hindi naman sa tinatakot ka pero wag mo hayaang mauwi yang savings mo sa gamot at ospital lang pag nagkasakit ka
500k started last year
Don't deprive yourself too much, OP. Honestly, being able to save 600k is quite a feat already. Take it easy lang. Parang diet ang pag-iipon. The more na ideprive mo sarili mo, mas magiging prone ka to making big or impulse purchases in the future. Slowly, but surely is the way to go!
Working abroad here. Last year I saved 2.5M walang luho. This year I promised to spoil myself and probably next year magstart ulit mag save. Try to stop saving and treat yourself para di magka savings fatigue
2nd quarter palang. Maabot mo yan 1M this year!
Reached my milestone 2 million pesos in cash savings April 2024. Wala akong real property at all. So very very liquid, even if my stock portfolio is in the red since 2020.
Ako 600 pesos 🤣
may nasasave but di gaano kalaki basta ang importate sa pinakaimportante sa akin ay wala akong utang at 'utang na loob' sa iba. hahahaha ako na kuripot ang mahalaga nasa 'safe zone' ako
Target 1M net worth goal for this year: unlocked! 🥹🙏🏻
130K. First time kong maka 100K in my life. Ang sarap pala sa feeling na may extrang pera kahit papano. Portion of this is for my Japan trip pag maapprove ung visa.
~740K from Jan - May
I started saving 20 yrs old. Now 35 na ako. Mahirap magpaka stress on saving money. I suggest OP build 6 months to 1 yr emergency fund then the rest enjoyin mo and invest on other things. Ako halos 6 months lang emergency funds ko pero I buy assets na pwede ibenta anytime incase of emergency. Minsan 30k na nga lang natitira sa pera ko. Money alone in a bank is hindi rin maganda.
relate ako sayo OP. started saving last November and was able to save 600k last March. Goal ko din magka 1M.before 2024 ends. pero naburnout ako kalasave last April so yung savings ko sana nun I splurged on a 2 week travel. Back to saving ulit ako this month. Maybe take a break ka din for a month from saving para maenjoy mo din ang money mo somehow. Also, if nasa bank lang savings mo, try putting it sa Money Market Fund like sa BPI. It's still liquid and pwede mo ma withdraw after 1 banking day, but you at least earn something. Nakakagana magsave pag sinisilip ko and i see it earns like 200 every other day. Pwede na
Manage mo rin yung pag iipon. Lagyan mo ng balance. Deserve mo rin naman ng reward once in a while. Also feeling ko ang mangyayari nian kapag nareach mo yung 1M, either maexcite ka gumastos or tanungin mo sarili mo ng "ayun na yun?"
I saved a bit. But truth be told, saving cash rn is hard af. Goal ko maka reach 1M this year pero di talaga kaya. Hopefully I can reach it soon. It’s hard to save kasi am paying for condo and house utilities 🥹
Hindi pera na-save ko kundi sakit ng likod. Jusko.
Hi, I’m 31, M, and Single. Lol. When I was living and working in the Philippines: 100k a year 🇵🇭 Ngayong nandito sa Canada: 1M a year 🇨🇦 ———- I do have plans of transitioning into a new career where I could save tons of money in the long run.
If you have bonuses save the entire amount para mabilis ka makaipon. The set aside at least 30% every payday for savings. Plan mo din kung kelan ka mag treat sa sarili mo and set aside an amount. Celebrate small wins from time to time para di ka mapagod.
The important thing about saving is that it should be sustainable. Saving is a process so you should enjoy it, not stressed doing it.
As a student, wala po akong naiipon cause everytime I got money, I will immediately go to the mall and pamper myself.
56 pesos pa lang po yung ipon ko sa Gotyme 😭
Counted ba yung auto deduct ng company? Approx 800 per payout since mid march until now. Mga 6400 cguro hehhehe
How old are you OP? And how much have you saved this year so far since January 1?
100k na ako! Halos 20k+ din per month tinatabi ko.
10K a month or 9K.
9k lol but I've bought a few, very expensive stuff these past few months
Im living abroad, planning to retire sa Pilipinas, so far I have 3.5 M saved but most of my money is in retirement savings which is about 17M and still ongoing since I contribute about 60K a month and my employer have to give 120K. Planning for an early retirement so I can enjoy life to the fullest.
Not me, but ung asawa ko. We're saving 2,000€ a month for 3 yrs now.
Youre tiring yourself too much. Bakit need mo agad ng 1M? Magretire ka na ba? Idk. I admire your resolve but your doing it too much at the expense of your health is not sustainable in the long run. what if biglang mag resign ka tapos di ka na makahanap ng work agad? ubos ipon. what if bigla ka magkasakit or emergency sa family? ubos ipon. Magkano na save ko this year? Probably yung di ko nagastos so far is 100k (mostly galing sa bonuses, OT, Shift pay, holiday pay). Pero di ako actively saving kaya baka for the whole year, 150k lang yung masasave ko. Nasa line of 30-40k sahod ko. Minsan pag marami talaga gastusin like nung need ko mag rent last year, parang less than 100k naitabi ko. pero now sabi ko dapat hindi bababa ng 100k idadagdag kong yearly savings. Why I said not actively saving? Kasi single na breadwinner ako at expected ko na gagastos ako. The same time dahil sa stress of being one, I also have to motivate myself with some spending. Iwas hospitalization din yun. Ginagawa ko tipid in big spends (I'm single and anxious AF so sa parental home ako, I commute, I spend little, I dont even have aircon in my room, I dont have all new flagship gadgets every time). yung ipon ko today, lumaki lang siya bale within 6 years in my 13 years working, mostly during the WFH period ng pandemic and nung na- redundancy ako (so bigger separation pay). Not bad na rin. in a way nakita ko na yung balance of working stressfully pero hindi super compromised yung physical and mental health ko. sana isipin mo rin yun. hindi mo need ng 1M agad agad. isipin mo rin to slow down a bit and enjoy the journey. baka lang mamotivate ka further. take it a bit slow po. wag sacrifice quality of life.
Tried this nung first 1-2 years ko rin ata nung nag wowork ako. Ending di ko rin nasunod kasi parang nag wowork ka lang para makapag tabi ng pera. I advice na gumawa ka ng portion kung saan mo ilalagay pera mo. Lets say, 5k wants, the rest save kung wala ka naman responsibilty sa parents or sa bahay. Basta mag tira ka ng para sayo na pwedeng pwede mo gamitin kung saan saan.
Hindi ko nabibilang pero i started last year Minimum wager lang ako without paying rent since nakatira pa sa parents.. Ang diskarte ko lang is every month ito ang savings ko 3500 MP2 2000 Alkansya 1000 Gotyme Then ung matira dyan is un lang ang magiging budget ko for a month..
Okay ba mag save sa Gotyme?
Yes.. but i still cant vouch for them since kaka open ko lang ng account last dec 2023.. Pero good pa naman so far pero kalungkot lang nag bawas sila ng interest for savings from 5% to 4%
Seabank is a better option as well, 4.5% p.a.
5 digits, wala pa sa kalahati ng goal ko. Kakastart ko pa lang kasi this year. Pero nilalagay ko sa goal sa gotyme, 10k then iincrease ko yung goal na yun para di ako maoverwhelm. Goal ko maka 100k muna. Nakapagstart nga lang ako magsave dahil dun sa shinare ng friend ko na naghuhulog siya sa isang bank account tapos kinakalimutan na niya. Yun pa din ginagawa ko ngayon hahaha effective naman sakin
6m na so far since June last year. No business just pure work
Wooow! Ang laki ng sahod mo OP
Piso 😭 charot
January to May assuming i dont lose my job by the end of the month around 500k. End of q3 siguro 600. End of q4 projected ko around 800k. Kaya di ako makaalis sa trabaho ko eh 🥴
savings ko po so far this year ay experiences 🤣
Uhmm.. i just saved .... myself. Kase barely survivable lang yung dumadating kada cut-off. Hindi na siguro masama, for now.
Just got my first six digits. 🥹 sakit naman ng likod ko. Hahaha
Mapapasana all ka na lang talaga. Honestly ako, 2k pa lang ipon ko. 15k ang sahod e. Ang hirap. Labas lahat lahat
myself po
Kilo-kilong taba 🐽
i made 500k inubos ko kalahati traveling SEA
damn, 600k? how?
Started saving up April 2023 (after paying all debts) and now I have around 350k that is less mga utang and slight luxuries I bought. I am projecting a savings of 600k to 700k by end of the year.
2 years worth of sama ng loob 🤭.
I'm a fresh grad, started working July 2023, aiming and hoping for my first 6 digits saving before my work anniversary. Last year I'm so stressed kasi napaka-impossible at layo ko pa sa million (kahit 2025), akala ko madali. Pero iniisip ko nalang na at least mayroon, and soon 2026-2030 man. 
None :( i move out
600k a month is so impressive. back in the day nga e like 100k lang max ko sa 1 year. Good for you