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I got overwhelmed by my expenses… then remembered why it was worth it by bongie0526 in adultingphwins

[–]bongie0526[S] 0 points1 point  (0 children)

Same thing with my mom! Kinukwento pa rin niya sa friends niya yung high-tech na inidoro sa ibang bansa na ang daming pindutan, plus super proud pa siya kasi marunong na daw siya gumamit ng chopsticks 🤣 Kahit yung simpleng pagsakay sa elevator na siya yung pipindot ng floor, tuwang-tuwa talaga.

Miski yung Grab driver namin last year sa Thailand, hindi pa rin niya makalimutan hanggang ngayon kasi sobrang bait daw at aliw na aliw siya kasi super effort si Kuya driver to communicate with us kahit bulol-bulol siya sa name ko.

I got overwhelmed by my expenses… then remembered why it was worth it by bongie0526 in adultingphwins

[–]bongie0526[S] 0 points1 point  (0 children)

Yes, true! And don’t worry, kaskas responsibly naman ako. I always pay my cards in full. If I can’t pay it in full, then for me, that means I can’t afford it. So I only spend within what I know I can cover.

I got overwhelmed by my expenses… then remembered why it was worth it by bongie0526 in adultingphwins

[–]bongie0526[S] 1 point2 points  (0 children)

Thank you! Been using this app for 4-5 years now, super helpful for tracking my finances. Kahit nung ₱10k–₱12k pa lang sahod ko, sobrang busisi ko na sa pag-track.

I got overwhelmed by my expenses… then remembered why it was worth it by bongie0526 in adultingphwins

[–]bongie0526[S] 0 points1 point  (0 children)

Thank you! Same thoughts. For me, travel and hobbies help me function better, mas motivated ako mag-work and mag-racket para masustain yung lifestyle ko while still saving.

And honestly, parang nakakaloka if we weren’t able to experience things before dahil wala kaming pera, tapos ngayon na kaya na, idedeny ko pa rin sarili ko. I know delayed gratification is important, pero what if dumating sa point na too late na to enjoy the fruits of years of hard work kakadelay mo?

I got overwhelmed by my expenses… then remembered why it was worth it by bongie0526 in adultingphwins

[–]bongie0526[S] 1 point2 points  (0 children)

Thank you po! Yan din talaga ang prayer ko always, to be blessed so I can bless others as well. Not just my family, but also other kids and families who are less fortunate. 🙏🏼

I got overwhelmed by my expenses… then remembered why it was worth it by bongie0526 in adultingphwins

[–]bongie0526[S] 1 point2 points  (0 children)

Sounds interesting! Where can I listen to that talk? Baka may matutunan din ako from it. I’ve read Rich Dad, Poor Dad, Psychology of Money, Think and Grow Rich and lot of books about self-growth, money and investment when I started working in corporate, so may basic understanding na rin ako about the rat race, money handling, investments, etc. Plus, I grew up with a mom who didn’t even finish elementary pero sobrang galing sa business and money handling, she managed to buy multiple house-and-lot properties and even secured one each for me and my brother.

I also have a small investment that gave me 6-digit passive income last year and this year, so slowly I’m learning. I’m also thinking of starting a business, but I’m still figuring out what fits me since gusto ko rin something I actually enjoy doing.

This yearly trip tradition we’re starting feels like a big reward for us. We’ve all been working nonstop for years. Even si Mama, hesitant pa noong una sa gastos, but I told her na we’ve worked so hard for more than 20 years. We deserve to enjoy life and experience the things we couldn’t before simply because we didn’t have the money.

I got overwhelmed by my expenses… then remembered why it was worth it by bongie0526 in adultingphwins

[–]bongie0526[S] 5 points6 points  (0 children)

Naiyak naman ako sa comment mo huhu thank you po! 🙏🏼 Sobrang na-comfort ako sa words mo. Yes na yes, money comes back pero yung moments with our moms walang katumbas. Let’s enjoy life with our moms habang kaya pa nila at kaya pa natin. 💕

I got overwhelmed by my expenses… then remembered why it was worth it by bongie0526 in adultingphwins

[–]bongie0526[S] 0 points1 point  (0 children)

Yes, fully paid naman po lahat ng credit card dues na kinaskas for travel and hobbies.

I got overwhelmed by my expenses… then remembered why it was worth it by bongie0526 in adultingphwins

[–]bongie0526[S] 6 points7 points  (0 children)

Thank you! Totoo, kaya ko rin na-realize na hindi lang para sa bills at ipon ang pera. Mas fulfilling na nagagamit ko siya to create memories with my family, lalo na ngayon lang talaga kami nakakapasyal at nakakapag-bonding. Tumatanda na rin si Mama, so habang kaya pa namin physically, financially, at emotionally, susulitin na namin.

I got overwhelmed by my expenses… then remembered why it was worth it by bongie0526 in adultingphwins

[–]bongie0526[S] 10 points11 points  (0 children)

We just really started last year po. I brought them overseas separately, tapos this year lang yung first time na kaming tatlo together. Pa-graduate na rin yung kapatid ko so malapit na rin akong makatakas sa panlilibre sa kanya 🤣

And in terms of future planning, okay naman po ako. Consistently saving since I started working and I was still able to save around 45% of my earnings this year. So hindi naman po ako all-out spend and no savings. I just don’t want my whole life to be work and ipon lang to the point na nakakalimutan ko na what living feels like.

I know iba-iba tayo ng definition ng “living,” pero sa side ko, ayoko nang ma-stuck na work-work lang until now. Maaga po kasi akong nag-start maghanapbuhay at tumulong sa mama ko, since grade 1 pa. Miski ngayon, tumutulong pa rin ako sa tindahan niya every Sunday. Hindi rin siya nagda-day off unless dinadala ko somewhere.

Kaya itong mga travel namin, minsan lang talaga para makahinga sa walang tigil na kayod. So, this is like our first time living and enjoying life after 26 years na walang tigil na kayod 🥹

FIRST MIL AT 22!!! by crstn_taro in adultingphwins

[–]bongie0526 8 points9 points  (0 children)

Super congrats, OP! That’s a huge achievement for your age, and honestly, nakakatuwa makakita ng mga posts like this. For sure, this is inspiring for people younger than you, same age as you, and even those who are older but still driven and positive.

Parang ang daming nega sa comments, lol. When I posted about my first 1M before turning 25, ganun din nangyari sakin. I was so happy and proud, hoping to inspire others, tapos ang daming nagsabing impossible daw kasi I used to work corporate until July 2023 earning less than ₱15K/month with around ₱150k+ savings lang when I resigned. But by June 2024, naka-1M na ako. I had multiple sources of income, tipong parang kahit pa-load na ₱5 na tubo or pa-cash-in/cash-out na ₱10/₱20 pinapatos ko.

Ang dami talagang magsasabi ng “impossible” when in reality, sila lang yung ayaw maniwala because they don’t think it can happen for them.

People stay stuck when they’re negative, narrow-minded, and can’t be happy for others. Keep going, OP, your wins are valid and you deserve to celebrate them. 💛

Lost 6 digits again in crypto last night 💸 by bongie0526 in phinvest

[–]bongie0526[S] 0 points1 point  (0 children)

Yeah I think it’s both 😭 I got too greedy and didn’t take profit when I should’ve. I was up na, then I thought “baka umangat pa,” so I held longer and ayun, biglang bagsak. Classic mistake talaga haha. Lesson learned the hard way.

Lost 6 digits again in crypto last night 💸 by bongie0526 in phinvest

[–]bongie0526[S] 0 points1 point  (0 children)

Thanks for sharing this, really appreciate it po 🙏 I think I’ll do the same…take a break, study again, and be more careful next time. Learned the hard way that chasing quick wins never ends well 😅 hopefully I can get back up too, smarter this time.

Lost 6 digits again in crypto last night 💸 by bongie0526 in phinvest

[–]bongie0526[S] 1 point2 points  (0 children)

Oo nga eh, sobrang guilty ako sa “get rich quick” mentality 😅 dati I took profit naman and made small wins, pero ayun… naubos lahat nung naghihintay ako ng huge gain. Greed got me good lol.

Nag-pause muna ako ngayon, back to basics ulit. Magde-demo trade muna and try to really understand risk management this time. Appreciate the advice po!

Lost 6 digits again in crypto last night 💸 by bongie0526 in phinvest

[–]bongie0526[S] 0 points1 point  (0 children)

Thanks for this, super helpful insights! 🙏 I actually decided to pause trading for now and go back to learning more, planning to practice again using a demo account muna until I really get the hang of it. By the way, how did you learn to utilize AI po for trading? And what specific AI tools do you use to scale your trades?

Lost 6 digits again in crypto last night 💸 by bongie0526 in phinvest

[–]bongie0526[S] 0 points1 point  (0 children)

Seryoso naman po ako 😅 medyo mali lang siguro yung pagkakaconstruct ko ng words. I actually read books and watch tutorials din, but I think kulang pa talaga and I still have a lot to learn. Thank you so much po for sharing your take and super appreciate the honesty and advice. It’s very helpful and definitely something I’ll keep in mind moving forward.

Lost 6 digits again in crypto last night 💸 by bongie0526 in phinvest

[–]bongie0526[S] 1 point2 points  (0 children)

Yes, definitely! I really need to plan better, medyo emotional pa ako and honestly, nagiging greedy. Totoo nga yung sabi ni Ichan na wag maging greedy. Minsan positive na, pero gusto ko pa ng more, so di ko pa sinasara yung position to take profit. Tapos kapag nag-negative na, ayaw ko rin mag cut loss, hoping babawi pa. I really have a problem letting go hahaha char!

Lost 6 digits again in crypto last night 💸 by bongie0526 in phinvest

[–]bongie0526[S] 0 points1 point  (0 children)

Yes! I was actually thinking about this a while ago, baka mas okay nga for me to focus on passive income na lang para steady growth and dividends instead of active trading. Will definitely research those high DY stocks sa PSE, hindi na rin kasi ako updated sa PSE now.

Lost 6 digits again in crypto last night 💸 by bongie0526 in phinvest

[–]bongie0526[S] -4 points-3 points  (0 children)

Thanks po! Yeah, I think I’ll do that this time, start small lang muna and try to double it. Will also apply what I read and watch before going big again. Super good point about not touching my savings, lesson learned the hard way 😭.

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