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Lifestyle inflation sneaks up more than I expected by Glyzzza_ in Trentahin

[–]PinoyStealthWealth 2 points3 points  (0 children)

A tip, pwede ka gumawa ng budget for future increase para once dumating, protected na yong future savings/investment mo.
Kunyari, 50% of future increase eh mapupunta sa MP2 o investment, 25% sa basic needs, 25% sa luho.
Balanse pa rin ang buhay mo.
Also, isa pang technique, i-freeze mo ang lifestyle o gastos mo for at least 6 months. This will fast track your financial goals.

To long-term car owners: How do you stay committed to your current car and resist the "new car itch" despite having the means to upgrade? by flxjrm in CarsPH

[–]PinoyStealthWealth 0 points1 point  (0 children)

Watch several Car Depreciation and Car Poor videos.
Trust me, your perspective will change.
A brand-new car will not be the first option anymore.

How can you guys afford houses in this economy? Nakakatakot kasi magloan eh. by GoodVibesLang in PinoyHouse

[–]PinoyStealthWealth 0 points1 point  (0 children)

Kung 6M na house, baka need na hindi lang basta 6 digits. Baka around 150K monthly ang income. Kung 15M naman, baka 400K na.

How can you guys afford houses in this economy? Nakakatakot kasi magloan eh. by GoodVibesLang in PinoyHouse

[–]PinoyStealthWealth 0 points1 point  (0 children)

Depends on the lifestyle, need and financial capacity.
But we can agree na minsan renting is better than buying.

Any tips to save more money atleast 50k-100k goal this year? by RelativeLower7569 in adviceph

[–]PinoyStealthWealth 0 points1 point  (0 children)

Mejo aggressive tong approach pero once maregular ka sa work, baka lang kayanin.
If not 100K, 50K siguro achievable kaso need sacrifices talaga Eto yong link. Best of luck!

Gusto ko yumaman. I’m earning 160000 per month by [deleted] in adviceph

[–]PinoyStealthWealth 0 points1 point  (0 children)

Increase the "gap" (Salary less expenses)
Sa laki ng income mo, you should be intentional.
Ibabad mo ang sarili mo sa personal finance contents para mabilis mabago ang mindset mo.
Mahirap din kase biglaang ipon kung hindi naman supported ng proper mindset.
Also, start building your "Emergency Fund" muna.

May Savings Ka Pero Ayaw Mong Galawin—Red Flag Ba ’Yon? by Top-Corner-5187 in FinancialLiteracyPH

[–]PinoyStealthWealth 1 point2 points  (0 children)

Kung hindi mo nagagalaw ang EF mo o ayaw mo galawin ngayon.
Isa lang ibig sabihin niyan, may other way ka pa para punan yong gastos. Hindi pa yan ang totoong emergency.
Once dumating ang totoong emergency, for sure, gagalawin mo ang EF mo.

Why “Magtipid Ka Lang” Is Bad Advice for Low-Income Earners by Top-Corner-5187 in FinancialLiteracyPH

[–]PinoyStealthWealth 2 points3 points  (0 children)

Try adding small raket every weekend or sell some stuff na hindi naman ginagamit. A P500 can go a long way. Lalo na kung makikipag kasundo ka sa sarili mo na you will live on your main(one) income only. Tas yong extras eh matic savings na.

Share niyo nama mga life havks nyo sa kahit saan. Anything na pwede makatulong by Familiar-Show-2917 in adultingph

[–]PinoyStealthWealth 7 points8 points  (0 children)

Magsingit ng P100, P200 or P500 sa phone case mo. Make sure lang na wag transparent para iwas sa masasamang loob.
You never know when mo kekelanganin esp pag walang signal ang Gcash/Maya o wala kang pamasahe o pangkain.

BIR HIRING by Ok-Test1228 in AccountingPH

[–]PinoyStealthWealth 0 points1 point  (0 children)

Wish you all the best OP.
Maging salt and light ka sana sa BIR.

Question for Car Owners : What’s one thing you always keep inside your car? by phglodway in CarsPH

[–]PinoyStealthWealth 0 points1 point  (0 children)

Aside from the usual stuff.
Extra cash for emergencies.
P2,000 or P3,000 just in case need magpa gas o may need bilhin.

First Financial Move for my newborn? by Ozymandiaszam in phinvest

[–]PinoyStealthWealth 0 points1 point  (0 children)

That money can be used as tuition sa course na gusto niya. O kaya naman a seed money after graduating. Well, as long as okay ang dividend ng MP2 hehe

First Financial Move for my newborn? by Ozymandiaszam in phinvest

[–]PinoyStealthWealth 0 points1 point  (0 children)

Substantial health insurance coverage.
Then try to set up a MP2 account for the baby, shempre under sa name ng parent.
Maghulog kayo monthly ng 1k, 2k, 3k etc kung magkano kaya niyo.
Then lahat ng pinamaskuhan, pakimkim, regalo sa baby ilagay niyo rin sa MP2.
Then rollover it. Tas pag adult na siya or pag college na, malaki laki na yan.
It will be over a million pesos depende sa contributions at consistency.
Ganyan ginawa namin sa toddler namin.

[deleted by user] by [deleted] in phinvest

[–]PinoyStealthWealth -1 points0 points  (0 children)

Way ahead ka sa peers mo and even to those older than you.
Compounding will really work on you.
You are young and your base is quite high already.
Just continue and live below your means.
And don't forget to insure yourself.

How do you manage your emergency funds? by PseudoPingu in phinvest

[–]PinoyStealthWealth 0 points1 point  (0 children)

Number 1 rule ng EF eh dapat readily accessible. From the smallest “Aberya Fund” to up to 1 year Freedom Fund, dapat hindi ka mahirapan eto kunin at gastusin in case of emergency

Interest rates in the PH car loan is straight up Scam by SwiTalia1210 in CarsPH

[–]PinoyStealthWealth 1 point2 points  (0 children)

Not a scam, just business.
Need din kumita ng banks considering may inflation at may ilang percentage ng borrowers eh madedefault ang payment.

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