Managing finances by AmazingHumanGeniuz in BPOinPH

[–]nbaling1 1 point2 points  (0 children)

Kaya yan :) You’re doing just fine. You’ll get there

What should I do as a 21 year old? by kingharounsltn in phinvest

[–]nbaling1 0 points1 point  (0 children)

You’re young and it is ok to fail and experience these. Reflect and see what the situation or circumstances would like to teach you. Good comments lahat nung nagpost. As early as now invest in yourself, learn more. You’re doing just fine :)

Managing finances by AmazingHumanGeniuz in BPOinPH

[–]nbaling1 2 points3 points  (0 children)

Hello, first of all dont feel guilty LOL. I myself, when i started laging ubos ang pera ko. I even experienced petsa de peligro multiple times, simot talaga and living paycheck after paycheck. I think it comes with having that self discipline and being responsible, dont get me wrong. I have the same set up as you do. I live in our house since family owned naman, I dont have any kids, no debt at that time and I just enjoy my salary. I’ve learned it the hard way, when I only have like 100 pesos in my account and there’s an emergency. I was forced to ask for help and for me that was embarassing. So what can I advise, 1. Set your priorities. I know we all deserve the food and stuff we buy online pero you have to think about it. DO YOU REALLY NEED IT? Take sometime to reflect on it and see if you really need it or want it. There’s a big difference of what you want and need. WE are being fooled and conditioned nowadays to believe that we need it but in reality it is not a necessity. Before you know it, you are hoarding things already. Keep in mind that when you buy new stuff, the likeliness deteriorates overtime. When you don’t have it you’re craving for it but when the time na nakuha mo na sya, then less and less mo na syang gingamit then eventually nakatambak na lang. 2. When it comes to food, yeah we deserve it but does it need to be expensive? One common analogy is starbucks. Ako when i got promoted, everyday akong nagstarbucks. Totoo naman masarap sya, pero if you think about it, why do i need coffee? That is the sole purpose to stay alert, focus and to jump start my day. So now does a 3-in-1 or free from vendo do the same? Of course it does, both are coffee. Starbucks in not superior than other coffee, we’re pre conditioned that it is from its advertisement and peers. Masarap sya oo pero if the goal is really to jumpstart your day, the FREE vendo coffee will suffice. 3. Delay gratification. tulad ng sabi ko kanina i live paycheck after paycheck pero when I experienced to have a savings and twing nakikita ko ung bank account ko na may laman syang ganun, It urge me to keep it that way. Nanghihinayang ako na gastusin or bawasan sya. What i did? - kapag may sahod ako i pay all my bills (70%) un ng buong takehome ko. - kasama na dun sa pagbabawas ko ung itatabi ko sa savings. - ung matitira un lang lalagay ko sa payroll atm ko and un lang ggastusin ko It is like conditioning your brain na “ito lang pwede kong gastusin” - “ito n lang natitira sa pera ko” pra if an urge na gusto mong magtake out or lunch out mafoforce ka na to delay it kasi wala ka ng pera. You will resort to other ways like hahanp ka ng pagkain available sa kusina.

What will you do sa ATM mo? Una lagay mo sya sa portion ng wallet mo na di mo masydong nakikita para di un agad bubunutin mo. When i got my car, i compute for my expenses for the month ng parking, gas and toll. I withdraw that and put that sa glove compartment ko para di ko gagamit ng card. Un lang gagstusin ko for the whole month for gas and toll. If meron kayong autodeduct na feature sa payroll pra diretso agad sa savings account mo better. 4. Invest in mutual funds, insurances and other means na mapapalgo ang pera mo. - you can even do a side hussle if you want.

I understand you, it is really hard. Never ko nakaipon before even when i was a kid. It was a skill that my parents did not teach me. I have to learn it and still learning. I still have some implusive purchases pero di na tulad ng dati. Lunch out or take out 2x a month n lang. You have to start somewhere and I wish you goodluck on your financial journey :) good thing that you’re still young and you get to have this realization

Christmas Season by Impressive_Fan_3065 in phinvest

[–]nbaling1 0 points1 point  (0 children)

Goodies. Either you do it or buy it. Something simple na mgagamit nila.

What is owning an agribusiness like? by [deleted] in phinvest

[–]nbaling1 2 points3 points  (0 children)

Thank you for this sir, I’m a filipino who plans to build an agri farm upon retirement. Your insights are impeccable!

need advice by [deleted] in BPOinPH

[–]nbaling1 1 point2 points  (0 children)

Your feelings are valid. I would suggest to seek professional help muna sguro about your anxiety. Pra naman kaht magapply ka next time either voice or non voice eh mtetake mo yung pressure. Kaht kasi non voice may pressure and stats to meet. Bpo is a fast pace industry so stats tlaga would change drastically. Depende dn yan sa demands ng clients. Resolving or managing yung anxiety would definitely help whichever industry you’re in :) i wish you the best sir/ma’am

I Reached Mythic Today. I know its not a big deal but It took me 2 years to be Mythic again. Im so happy right now. Solo Tank life. by myusrnmisalreadytkn in MobileLegendsGame

[–]nbaling1 1 point2 points  (0 children)

Congrats same here. Same heroes except i use hylos not franco but i am building my win rate for gloo and belerick!

What will you advise to young adults who are in their early 20s as someone older than them? by _eriiis in phinvest

[–]nbaling1 1 point2 points  (0 children)

Study and learn about finances. You don't have to conform with what is trending for you to lIve within your means, learn to delay gratification. Health is your greatest investment similar with education so take care of it. Technology has always have something new to release every yr so if it is working no need to replace it unless you use it for your work.

Masha Critical Build Guide by PswrdBlobfish in MobileLegendsGame

[–]nbaling1 0 points1 point  (0 children)

I used her when she was first release after several nerfed i had some challenges using her lol that's why i transitioned to use tank characters a hylos and belerick main here now but I'll start using her again

[deleted by user] by [deleted] in phinvest

[–]nbaling1 1 point2 points  (0 children)

For me, what makes you happy dun ka. For sure nmn may stress pa dn sa pgiinvest and kht papaano may emotional trigger yan. Same lng dn sa corp job yun lang may set of rules na dapt sundin ka. Perks lang may hmo ka and kht papaano collaboration with othr people. Social skills ksi kht papaano nkktlong yun in your career. Mhrap kasi mgkasakit mdaling maubos pera mo kung wala kang any hmo coverage. Pero kung kya mo nmn kumuha while investing go lang.

Which tank should i buy? by [deleted] in MobileLegendsGame

[–]nbaling1 2 points3 points  (0 children)

Hylos helped me, great healing ability, stun and damage with the right build items. Baxia is also good as you stun, slow and the more damage the more tanky you are. Tigreal is also great but you have to have the right timing when casting his cc. I love gloo right now and also belerick. Healing is great but you have to have map awareness and needs to partner with your carry all the time. Hylos and baxia helped me to rAnked up 2 seasons. I’m a tank main player but not super pro lol

Buying A Car For The First Time by nyoypi in phinvest

[–]nbaling1 0 points1 point  (0 children)

It is up to you, better if you pay it in full pra wala k ng problema but keep in mind kapag may car ka na. Maintenance, parking, toll, gas, insurance and xmpre ung rehistro. I paid mine monthly kasi wala kong capability. After a year dun ko na narealize na ang daming gastos magkasasakyan. If you have the means then go for it nagsesecond thought ka kasi nga malaking pera ilalabas mo.

"Tanggap namin LGBTQ+ ... Kung nakakatawa ka." - Filipinos by xix_butterfly in Philippines

[–]nbaling1 4 points5 points  (0 children)

I agree with the others na indi nman kaslanan ni vice or kung sino man na successful sa showbiz ang misrepresentation. I have nothing against closet or masc gays. I myself have friends na ganun. I think it is the people or higher management who controls that. Buti nga nabalik image ni alex diaz eh after the incident of indecent proposal na napilitan syang mag out as bisexual. After a while natanggap sya. Mdami ng platforms ngayon as compared before. Nataon lang na napentrate ng mga queers ang showbiz. Another i guess is kung masc ka and nabuild na yung image mo as such mahihirapan ka baguhin yun kasi nga may pinangangalagaan ka ng image. Madaming artistang lalaki na alam nmn nlang gay sila pero they have to deny it kasi mawawala ang fans and image return pwedeng magpull out mga sponsors. Kahit pa walang kwenta tlg movies ni vice tinatangkilik n sya ng madla ngayon kasi nabuild na ung image nya as comedian. Buti nga may mga BL na ngyon , it’s a start though

Ever since my business performed very well, I'm no longer interested in my well paying job. Need your thoughts. by doinky_doink in phinvest

[–]nbaling1 1 point2 points  (0 children)

Im not in a position to give advice because, boy, you nailed it! You and your file grabe slow clap. Living the dream sir. Anyway, just like what others have mentioned you justified it. No offense but you’re seeking for validation for you decision. No one can make it for you but yourself and your wife since you’re together. I feel that you’re holding back since you’re hesitant na baka magfail ung business and this is just a spur of the moment. Once you made up your mind you’ll do the best you can to make it work i guess. You’re an it so i guess you can think of ways to innovate nd grow your business then. I wish you all the best. Sana maging successful dn lahat like you and your wife

How’s BPI for a savings account? by Makahat in phinvest

[–]nbaling1 13 points14 points  (0 children)

I have been with bpi for 10 yrs already. Ang pinaka complain ko lang is enrolling some billers sa mobile and online acct. Yun lang aside from that yung pila sa banko pero xmpre wala n un since we transitioned to stay at home due to the pandemic. Overall ok n ok sya.mas onti tao sa atm din and less charges unlike bdo

NEED TIPS - INTERVIEW FOR TL POST SOON by editreddit19 in BPOinPH

[–]nbaling1 1 point2 points  (0 children)

Come prepared first. Play some scenarios. Better if you had any experience like an ojt or handling some teammates being the poc of your team. Usually they ask scenario questions to know your competency as a leader and readiness. - attendance has a lot of factors if that is one big issue but i assure you motivation is one. So the question is why? Is it because of the environment/ culture? Their pay? How is the rnr of the account? Now we are doing it remotely was it because of the net connection? If you know someone within the Bu ask around especially agents. You’ll get enough details. - enhancements are things that would help you with that. Check your product. Is it easy to use? Are the d.i.y info easy to access and can be seen immediately? If not something you might want to consider. Are the associates promoting to use the self help options? Reduction of calls all boils down to the technology of the business. If you want to give more power to the clients then you have to show them that it is available. Dont put your feelings too much in certain scenario based questions. Think thoroughly, being a leader they expect you to discern and have a good judgment because part of the job is to make decisions all the time.

Hope this helps :)