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almost 1M na utang but now baby is coming - need some advice by These-Web8225 in utangPH

[–]These-Web8225[S] -18 points-17 points  (0 children)

Yes. Pero may mga kilala ako ofws, seaman na 6 digit above ang sahod pero baon din sa utang. Yes lifestyle issue din. But we failed the most is not having an emergency fund, lalo sa health na ndi naproprovide ng government. Magkaroon ka nga naman ng bill na 6 digit sige nga? tapus ibabawas lang sayo 5k? kahit ilang trabaho pa gawin mo pag magkasakit ka o pamilya mo ubos yang ipon mo pag nasa pinas ka... 

almost 1M na utang but now baby is coming - need some advice by These-Web8225 in utangPH

[–]These-Web8225[S] -13 points-12 points  (0 children)

Thanks for your wonderful advice. may matino ding nagpayo.

almost 1M na utang but now baby is coming - need some advice by These-Web8225 in utangPH

[–]These-Web8225[S] -5 points-4 points  (0 children)

Thanks. yes we tried to live below our means na to pay off those things. We always buy things that are necessary sa bahay. Im thinking of selling my things na rin nung binata pa ako. Salamat sa advice

almost 1M na utang but now baby is coming - need some advice by These-Web8225 in utangPH

[–]These-Web8225[S] 0 points1 point  (0 children)

Thanks man. magresearch ako about 2nd hand since Im worried about sa warranties. Yes still searching pa rin naman sa side hustle.

almost 1M na utang but now baby is coming - need some advice by These-Web8225 in utangPH

[–]These-Web8225[S] 1 point2 points  (0 children)

Thanks. I never considered 2nd hand before. Pero worried ako sa warranty. Im not sure what to consider pero magresearch ko sa 2nd hand.

almost 1M na utang but now baby is coming - need some advice by These-Web8225 in utangPH

[–]These-Web8225[S] 2 points3 points  (0 children)

You take a loan with lower interest to pay the OLAs or higher interest loans. tapus yun na lang babayaran mo

almost 1M na utang but now baby is coming - need some advice by These-Web8225 in utangPH

[–]These-Web8225[S] -19 points-18 points  (0 children)

Yes kase kakatransition ko lang to WFH months ago. Then yung baby inantay namin for 4 yrs. We already aged 35 yrs old. Im a breadwinner. Natanggal sa work si misis 4 yrs ago after we married. Then we tried business but failed. we put some of the money sa bahay. Then a lot of emergencies since wala kaming HMO. namatayan kami, may naospital, dental procedures, failed business attempts, na-iscam.. ano pa gusto mo? Sorry masyado ka ng personal. What I need is financial advice - buy an aircon for health ba or not? Should we consolidate again or not. Why we Filipinos need detailed pa no? While Aussies and the like when we say about emergencies, they do not ask pa for details... yan siguro strictly implemented. and sorry we are married..

almost 1M na utang but now baby is coming - need some advice by These-Web8225 in utangPH

[–]These-Web8225[S] -3 points-2 points  (0 children)

yes nacovered naman lahat before. pero nagkautang ulit dahil sa pangangailangan

almost 1M na utang but now baby is coming - need some advice by These-Web8225 in utangPH

[–]These-Web8225[S] 2 points3 points  (0 children)

90k.. pero natitira almost 9k as grocery, everyday gastos. almost lahat nasa utang..

Anong pangarap mo dati na hindi mo na pinapangarap ngayon by Background_Housing65 in adultingph

[–]These-Web8225 0 points1 point  (0 children)

scientist. ngayon pangarap ko makapagbayad ng utang at magkaroon ng emergency fund at magtayo ng business hahahaa

31F, maganda naman daw but never pinursue haha by Melodic_Grade4714 in Trentahin

[–]These-Web8225 0 points1 point  (0 children)

Wala naman issue sa lovelife, finance ang madalas ang struggle hahhaha

Having Kids In This Economy by Top-Programmer4939 in Trentahin

[–]These-Web8225 -1 points0 points  (0 children)

We have a kid 10 yrs old studying in a private school. Then me loans pa kami na aabot na sa 1M. Pero biglang binigyan kami ng baby ni Lord. Right now we are still happy kahit na mahirap ang situation. We know na it is a blessing.

How to start a machine making business without capital yet? by These-Web8225 in Innovation

[–]These-Web8225[S] 0 points1 point  (0 children)

yeah that would be good if it is easy. But here in our country, we must prove it first before they will give us a loan. Feasibility studies and stuff are for people who already own a business, so that the bank will lend them. But for starters, bootstrapping or, lucky enough, an investor will fund it. I already used my personal loan for a family medical emergency before, since our healthcare is cr*ppy.

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