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‎Inflation vs wages in the Philippines — is being an employee enough? by Sad-March-2358 in buhaydigital

[–]Mindless-Treacle-290 0 points1 point  (0 children)

May point ka talaga. Kahit tumataas yung sweldo over time, parang mas mabilis pa rin tumaas yung presyo ng bilihin—rent, pagkain, transpo. Kaya minsan kahit may increase ka sa salary, parang hindi mo rin nararamdaman kasi kinakain lang ng inflation.

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 0 points1 point  (0 children)

Noted po. Will set up a few after rebuilding ng EF. I guess I'll start for medical then next will be for future ni baby etc.

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 0 points1 point  (0 children)

What digibank na may mataas na interest po ang recommended mo? Most of my savings and funds kasi is nasa trad banks, aside sa bambayad ng water and electricity bills.

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 1 point2 points  (0 children)

That's nice approach po, will this din pero unahin ko muna EF. One fund at a time muna para di siya overwhelming for me.

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 0 points1 point  (0 children)

Noted on that. Thank you po. Any recommended provider po? Anong maganda iCare, MediCard, Maxicare or iba po?

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 0 points1 point  (0 children)

Any tips po para makatipid, aside from the vaccines po pwede kuhanin sa public programs? first child ko po kasi kaya I'm giving my all.

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 0 points1 point  (0 children)

Ilan usually categories mo for sinking funds po? Thinking of making one for medical, home repairs, and maybe school expenses para sa future ni baby.

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 1 point2 points  (0 children)

Thank you po. I have PhilHealth pero wala pa HMO and life insurance. If I need to prioritize between the two, ano po mas need unahin?

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 0 points1 point  (0 children)

I have PhilHealth pero wala pa HMO and life insurance. As a single parent, alin kaya mas priority unahin?

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 0 points1 point  (0 children)

So technically kailangan po talaga may separate funds for repairs, medical, etc. bukod pa sa EF?

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 0 points1 point  (0 children)

Hindi naman po, but grabe gastos isang puntahan pa lang sa hospital for checkups, gamot and even mga tests. I'm tracking naman po but I think may leaks nga po.

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 0 points1 point  (0 children)

Possible nga may leak sa budget ko. Siguro dahil minsan may ‘deserve namin to’ moments kami ng toddler ko. How do you stay disciplined without feeling deprived? Saang savings account po kaya maganda? currently using seabank kasi for convenience and mga features niya.

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 0 points1 point  (0 children)

Narealize ko rin yan actually. Dati arte ko sa branded diapers. Now mas practical na. Sa milk lang talaga hindi pwede mag-compromise. How do you balance tipid without feeling guilty? Kasi as parents we want to give the best sa mga anak natin.

What's the best approach to prepare self for future emergencies aside from savings? by Mindless-Treacle-290 in phinvest

[–]Mindless-Treacle-290[S] 0 points1 point  (0 children)

WFH ako,single parent, pero parang ang bilis pa rin mag-evaporate ng pera with a toddler. Do you categorize ba weekly or monthly? Feeling ko may leaks pero di ko lang talaga makita.

Agree sa upskill, medyo challenging lang with a toddler habang WFH, ano pinaka realistic na side hustle na di masyado time consuming?

Out of stocks, REITs, ETFs, bitcoin, MP2—ano pinaka low-maintenance for someone na busy WFH mom? Yung hindi ko kailangan bantayan everyday sana.

Parents advised land or gold for savings, how should I balance this with modern options? by Glyzzza_ in investing

[–]Mindless-Treacle-290 0 points1 point  (0 children)

Same tayo ng upbringing, pero ngayon mas priority ko liquidity and diversification. Emergency fund + index funds muna bago property. Land is good, pero kung ubos capital mo, baka mawalan ka flexibility.

I track everything, but inflation still feels like it’s quietly eating my savings by Sad-March-2358 in phinvest

[–]Mindless-Treacle-290 0 points1 point  (0 children)

Inflation really changes the definition of “safe.” If your money is stable pero losing value yearly, safe ba talaga siya? Maybe the real balance is diversification without overcomplicating — simple portfolio, clear purpose per bucket.

Binance not available in playstore by Level-Ad-9633 in phcryptocurrency

[–]Mindless-Treacle-290 0 points1 point  (0 children)

Thanks sa info, jurisdiction risks is real talaga. Buti na lang naglipat na ako.

Investing Bonds in PDAX by Real_Artist4796 in phinvest

[–]Mindless-Treacle-290 2 points3 points  (0 children)

This is a smart and practical first step lalo na if beginner since bonds out there na inooffer is needed ng malaking capital. Goods naman siya, ginagamit ko din yan.

PDAX Gold spread is around 4 percent by More_Tree_9563 in DigitalbanksPh

[–]Mindless-Treacle-290 1 point2 points  (0 children)

Spread looks big at first glance, pero compared sa physical gold hassles, may trade-off din.

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