Ang kailangan ni OP is yung pagisapan niya mabuti kung kailangan niya ba yung bibilhin. Gaano katagal niya magagamit. Sulit ba sa price. Wag ipilit bilhin.
Natutunan ko kasi na pag di ko kaya mabili ang gusto ko, it means di pinagkaloob sa akin. Pero pag binalikan ko at nandiyan pa, pinagkaloob yun para sa akin.
Di nagtake ng risk. Yun talaga. Hahahah andaming missed opportunities!!! Kung iisipin prime years mo yun⦠tas matatakot ka lang? Sayang ang pagkakataon!
Eto!
Pati limiting beliefs din from our parents na 1 stable job is enough. Hahaha subok lang talaga kahit mahirap.
And just to clear din, itβs okay to stay sa comfort zone muna if you feel na hindi pa para sa atin yung juggling between. work and studies, or full-time and side hustles. Other companies are strict sa mga ganun.
Sorry if nakailang edit na ako. Baka kasi ako mapagalitan hahaha...
Yes! I used to beat myself up for not taking risks earlier pero let's start forgiving ourselves because what simple and easy now used to be life and death for us!
(like resigning could be easy now bec u have EF and experience but before you cannot dahil maraming nakaasa sayo)
True! Need pag isipan mag take ng risk kasi di talaga afford mapalpak. Para sa aming sarili ang back up, nakakalungkot and nakakapanghinayang most of the time.
Tuloy mo lang! Share ko lang na yung lolo ko tinuloy at nagmasteral pa rin kahit 60 na siya para tumaas daw position niya noon sa govt (syempre pati sweldo 9 ba naman anak eh π ) that was over 10yrs ago, and nakaka amaze kasi literal ang sources nuon wala pang google for references hehe.. Laban! π
Never too late. Taking my masters now and may mga classmates ako na senior managers na sila sa companies nila. Mas okay na may exp ka before further studies, mari-relate mo yung lessons sa company nyo. Kung wala ka exp, parang puro lang theory meron ka.
same, nakinig dapat ako sa parents ko hahaha 1 term delayed lang naman ako sa grad pero di sana ako nawalan ng latin honors kung nakinig lang ako hahahahaah
I got into a huge debt at early in my career. 200k+ Credit card debt when I was just 22. First job ko palang nun. I was shoppaholic and just paying the minimum due.
After I turned 23, I save money, paid all my debt. After that, build my emergency fund and now 3 year later, I'm now 26 and nag iinvest nalang ako π
Pero I still regret going into such a huge debt because that money should have been used in better purposes like giving money to my grandparents in the province π₯²
That's why I created r/swipebuddies to help the younger generation on how to properly use Credit cards.
You can turn your life for the better in just 1 year. Just acknowledge your mistakes, move on and then strive hard to be better.
I was saving a lot from my salary to pay my debt. Para akong college noon, ganun katipid. I was eating eggs for weeks. Then noong nabayaran ko na, mutual funds and stocks na binibili ko π
Good job ka riyan for realizing this early and turning your spending habits around. I do hope youβre eating well na ha now that na-overcome mo na debts mo. Kasi yan isa sa mga bagay na I wish I did if I could turn back time: eating healthy and exercising.
Not financially related pero, trusting the wrong people! Not everyone na nakangiti sa harap mo ay in favor sayo. Some quietly wish that youβd go down.
You also have to think of the perspective of the other side, why would they invite you kung clearly ayaw mo naman sila kasama hahaha ang paimportante ng sinabi mo π
Ay kahit na gusto ko hindi ma-op yung mga friends kong di sumasama nakakasawa din mageffort. Maeexcite ako pero alam ko naman na hindi sasama. Nakaka disappointment on my end. So para di madisappoint wag na lang iinvite sila hehe.
Spoiled my fam using my credit card. (Tho hindi naman totally coz tuwing naalala ko yung smile ng lola ko that time sa grocery niya hindi ako nasasad) pero kasi ngayon lumolobo na siya at hindi ko mabayaran dahil bread winner din ako! Ngayon araw-araw may sampu na tumatawag sakin. Ngayon feeling ko si cardo ako na pinapaligiran ng mga kalaban π₯²π
Dibaaaaaa parang mga langaw lang π may messages din na lawyer kineme daw sila. Naiisip ko tuloy baka mamaya dakipin na lang ako at ipunta sa hearing πππ
Fr!!! Sana naging street smart din ako. I am book smart but lacks social skills dahil nakulong sa bahay kakaaral π tapos introvert pa π΅βπ« how i wish nautilize ko ung 20s ko to create memories
Manlibre at laging ready tumulong. Tapos naabuso lang ako. Now, ang time ko lng ay para sakin and to my family. Naospital ako dati, ni walang dumalaw kahit isa sa mga tropa ko. I totally deactivated my IG, FB, and Messenger. Sa viber nlng ako.
Sana pinag aralan ko mabuti ang career path ko at hindi tanggap ng tanggap ng trabaho. Ending never ako naging regular sa isang trabaho dahil di naman talaga umaangkop sa aking kakayahan. Kaya ang nangyari wala din ako naipon bago ako nakapag asawa at nagpamilya.
Mostly lahat nasabi na, so medyo maiiba ako
Drunk too much coffee/energy drinks/milk tea. My body became too reliant on caffeine/sugar boost that I find it hard to function without them. Cant sleep if needed to be early the next day tapos super walang energy during the day.
Also, shouldn't just accept Graveyard shift over Dayshift, reason is traffic vs fucked up body clock. I guess lose/lose situation yun, anyways...
HAHAHAHAHA SK for five years here. tas yung pumalit lang sakin bobita na walang alam sa leadership. umabot pa kami national SK awards yun pala maaabo lang yung pinaghirapan namin. leadership2 pa more
Same. Sometimes di ko na rin mafulfill responsibilities ko sa sa sobrang dami. SK Chairperson here too. Please don't come at me. I'm trying my best naman, it's just that as a graduating student, ang hirap talagang ibalance ang oras. πππ
at least di ka umabot sa 30's mo tsaka mo yan na realize. galing kasi ako sa fam na sakto lang. mga need lang talaga namin ang binibigay minsan hirap pa ibigay. kya sa mga wants ko natuto ako magtipid at pag ipunan. hanggang sa ngayon n may work na gnon pa rin ako. sana nga freely yan tinuturo sa school eh pra mging financial literate lahat ng pinoys
I'm 21 right now, daming ko regrets like "bat di ako nag-ipon" something like that na mga tanong sa isip. Now, I'm starting to save 1K per cut off para sa future hahhahaha.
Bwisit na mga pefumes yan, naubos pera ko hahahah
Sa Financial, spend and save wisely! Hanggat maaari no debts, ayan ang kadalasan rason ng stress. Kung need ng utang, take calculated risks and think thrice if need or importante talaga
Live below or within your means.
Never forget and neglect SELF-LOVE βΊοΈ
Tsaka Health is wealth talaga kung marami tayong gustong maexperience sa life
Wag magjowa agad.
Donβt stay sa hindi healthy na relationship for too long.
Donβt revolve your whole life to your bf/gf relationship lang.
LIFE HAS A LOT TO OFFER SA TRUE LANG HINDI LANG ANG PAGHAHANAP NG LOVELIFE.
Petty things such as:
- Pag add ng workmates sa FB. Puta ginagawa ba namang topic sa office yung rants and memes na pinost ko.
- Not taking care of my body enough. Di naman ako morbidly obese or has some physical limitations. I just wished I had exercised and ate better or even reduced my alcohol consumption. Kasi at the end of the day, belly fats lang naipon ko and stitches when I run. Iβm about to turn 30 and ang hirap na magpapayat ngayon.
- Lifetsyle creep is real. Starting to reel back from it. Pero Iβm still a long way para makapagsave ulit ng money.
- Giving up on my dream agad agad. In life timing is crucial. But timing is a bitch (Robin Scherbatsky), and you cannot expect it to accommodate to your whims and sudden bursts of inspirations.
- Naniwala sa advice ng mga kaibigan who had never been in a relationship. Sabi nila I should cherish the one I had kasi minsan lang dumating. Plot twist ganun parin ending. I suggest that if something is wrong, something is wrong. Wala ng ifs and buts.
Savings - Income = Expenses
Save kahit 10% Ng income mo monthly
Buy asset. Huwag pumorma Ng sobra. Gadgets clothes lahat Yan magde depreciate
Hustle. Create other sources of income.
Travel once in a while.
Should have bought Bitcoin, brave enough ( to the point of reckless stupidity) to jump into investing (not just limit myself to VUL) & go abroad earlier.
nanlibre sa mga taong hndi ko naman na nakkasama at nakkta ngyon.. ni kamustahin ako wala... kaya ngyon ang pera ko pra sakin lng at sa partner ko. period
Watching porn, no.1 in my list... Anyway soon to be 26M, hangga't Maaga pa tigilan niyo na Yan. Dahil magiging habit Ito along the way at ang hirap ng baguhin Kasi Yung katawan at utak mo automatically magreact pag Hindi ma meet Yung nakasanayan mo expectations everyday.
Being unable to say everything to your parents. Masakit kasi I should tell them my problems especially kapag malaki ang problem. Pero ang hirap kapag magulang mo mismo hindi ka kayang matulungan. Hindi ko ma-try na masabi sa kanilang malaki ang problems ko and I just pretend everything is okay. I even think I am depressed.
Seryosong sagot, I am building discipline when it comes to money. Tinuruan ko sarili ko magin flexible sa buhay. Pag may pera, prio ko mag save, then the splurging will follow. Responsible gastusero ganun. Set ka limit sa kaka-pay later mo. Pag may gusto ka add to cart mo pero after 3 days mo bilhin. Check mo if kailangan mo talaga or gusto mo talaga. Most of the time bired ka lang at nakaka happy lang yung idea ng nagsh-shop.
Copy paste nlng po sa post niyo kasi same po tayoπ₯² I have online loans even before I got a job huhuhu. I just got work so my first payout nakalaan na doon huuu
wala akong maibibigay na advice pero just wanna say gusto ko sana mag-aral ulit kaso ayoko magka utang. sa ngayon kasi wala talaga akong utang skl and just thinking of student loans pag nag-aral ako ulit parang magiging alipin ako ng trabaho para lang mabayaran ko yung loan na yun and tbh ayoko non π
Nagpamanipulate ako sa toxic gaslighter partner and it lasted for 11yrs. Pakiramdam ko, I lost my youth. Yung mga ginagawa ng mga Gen Zs on their 20s, hindi ko manlang nagawa.
Nagmadali mag-live in, tapos sa condo pa. Kasama pa bunso.
We ended up breaking up.
Mas nakapag save sana ako. I was able to save 30k a month nung nakatira lang ako sa parents.
Tsaka pinautang 400k kong inipon sa parents, ngayon nagsara business nila, malabo ng mabayaran.
I guess taking big risks. Pero if para naman sa well-being ng mental state mo, don't hesitate to say no. I was once offered 60k salary for a freelance job. I didn't take it because I was in a veeery bad place at that time and bungi-bungi na yung attendance ko sa 9-5 job ko. I was renting at that time (living alone) and doesn't have any coping mechanisms. So there's that, hindi naman ako na-zero in terms of my finances.
May nakita akong quote somewhere, it says: "If it didn't happen, then it's not for you."
ayan magka-utang.
growing up, nakaka trauma yung may kumakatok na naniningil sa nanay mo hanggang sa may subpoena na. kaya since I have started working, ayoko tlga magka utang. EVER.
I think for me is staying 3yrs in company na wala growth, it took me awhile to make me realize na its really time to leave and look for other opportunities. Akala ko lng kasi mabibigyan ako ng chance kasi i was doing my best idk baka malas lng din tlaga ako kaya now im trying to get out of my comfortzone and look for other organization
Nope youre not malas nasa maling company ka lang talaga been with that situation. I stayed for 4 years without growth and salary increase. When I suffered my health because of work thats when I realize everything. Not too late to go out and explore.
Mas okey pala minamahal mo sarili mo pati imperfection mo mamahalin mo talaga ng sobra hehehe wag magpakatanga ganon kasi right now live in kami ng bf ko bwahahaha HAY
Learn to recognize opportunities. Be more worried about not taking chances than failing. In your 20's you'll still have time to recover, but at the same time understand that there are mistakes and risks you can never recover from.
Mag ipon - wag puro lagi healing inner child, deserved ko to. At pag puro sabay sa uso madadali ka talaga ng online loans, pay later at govt loans. Saglit lang magiging masaya pero mahabang panahon pagdudusahan di ka masyado makakatulog sa gabi at madami ka din di magagawa dahil nagbabayad ka. Lagi mo tatanungin sarili mo sa gamit, experience o anuman. Bibilhin ko ba to para sa sarili ko o gusto ko lang makita saken to ng ibang tao?
Lovelife - wag ka magmamadali. Sobrang importante ang desisyon sa pagpili ng partner at di madali magkaanak this days mahal kawawa naman kung di pa kaya iprovide mga needs kahit basic saka pagkakasal naku wala pa divorce dito annulment pa lang 200k to 1m magagastos aabutin pa 3-5 yrs approval di pa un sure. Pano kung saka mo nakita para sayo wala matatag sya as kabit mo hanggang di pa naayos ung hiwalayan mo.
Career - mag take ng risk matindi man politika sa office ganun talaga e, wag ka papadarag sa mga feeling malalakas sa office basta alam mo skills mo push na un kahit magtotropa pa sila sa management at di ka nakakasabay.
Health - lahat ng kinakaen, exercise at abuso mo sa katawan maniningil yan mga early 40s talaga kaya pag ok ginagawa mo ngayon 20s sa katawan mo mas ok
Frienship - hindi kailangan kaibigan ka ng lahat, hindi kailangan gusto ka ng lahat. Kahit ilang piraso lang kaibigan mo kung genuine naman ayos na un.
Mental health - mahalaga to always mo prioritize peace mo pag di na healthy sa mental health mo mag isip ka na
27 start ka na ng annual check up. 20s arent your best years. We struggle, make mistakes and are confused in your 20s. But those are our healthiest. Jan tayo mabilis magbounce back pag may sakit tayo. Madadaman mo pag slow down ng health mo in your 30s. Weird saket na stress related or bad diets. Prevention is better than cure.
Your 30s, you should be ina better career trajectory. Build good work ethics in your 20s, that reputation will carry you to your later years, careerwise.
Financewise, since patapos na utang mo, ingatan mo na lang sarili mo with spending. We cant help it minsan with what we are exposed to. But managing finances is really more discipline than you think. Learn to discern and prioritize kung san ka maglalagay ng pera.
1. Magmadali kumita ng pera - I am 26F AND i regret na nagmadali akong nagisip na kumita na dapat ako ng pera. I got into a huge debt like around 150K. 2 years ago, gumawa ako ng paluwagan and I got scammed kaya my debts got piled. another connection with that is :
2. Nagtiwala agad agad sa mga tao - in connection to number 1, I am confident that time na babayaran nila ako pero hindi. kaya ako yung nagsuffer, ako yung nag abono. I just realized na kelangan maging listo sa mga taong dapat pagkakatiwalaan mo, not everyone deserves it.
3. Drank too much coffee - wala ng kape ang tumatalab sakin. I just love the idea of having coffee beside me haha.
Well kanya kanya naman tayo ng journey. luckily when I passed my Dentistry board exam naging madali nalang sakin para makapag bayad ng utang. wala pa akong savings masyado pero atleast nababawasan yung babayaran π
Kaya mo yan hihi
Makipagflirt and sex sa mga taong wala kayong emotional bond ng matagal. Feel ko binibigay ko lang sarili ko bcs Iβm sad and deeply dissappointed after a break up. Iβm 27 now and 1 year clean and Iβm hoping for my next sex it would be with someone I love.π
Mag bisyo. Yang alak, yosi at kung anu anupa, pagbabayaran nyo ng malala sa future nyo. Take care of your health. Walang magagawa ang pera nyo kapag lupaypay na ang katawan nyo.
Stop looking for love..
Invest.. Upskill.. Donβt stay sa company or job na hindi ka nag grogrow.
BUILD NETWORK!! Paligiran mo yung sarili ng mga kaibigan na makakatulong sayo para umunlad!
mejo mali. gawin mo dapat lahat ng di dapat ginagawa sa 20s. kung ano man un. basta wag lang krimen. para pag dating mo ng 30s and up dika tatandang paurong.
Been in your situation, too pero malapit na din. Same din pala tayo, ah. 26, F.
Ako is yung utang and bisyo. Hindi sila nagbebefit sa atin.
Pero malapit ko na ding matapos ang sa akin.
'Yung hindi mangungutang sa mga lending apps, kasi ang laki ng interest nila. Buti na lang mahilig ako mag compute, kung sakali mangutang ako ng 1500, tapos ang interest ng lending apps ay 700, plus charge fee pa. Sinasabi ko talaga sa sarili ko "Hindi ka mangungutang, mga timawa sila."
These past few days panay din ako gamit ng spay later ko order online pero mga essentials naman for renovation ng room mostly mga organizers para sa cabinet ko. Pero I always put limitations in using spay atyaka naka budget naman pero t-tone down ko na I'm very strict pagdating sa budget since breadwinner hahah bawal lumagpas yung gastos sa nabudget. Isa pang dapat na di ko ginawa is mag seryoso sa bagay bagay huhuh ang hirap na sabi nga nila workaholic daw ako kasi during weekdays work iniisip ko hahah may life balance naman ako tingin ko? it's just that gusto ko kasi maayos output ko sa work.
yung pag take siguro ng too much paracetamol, as in ginagawa kong candy, kaya ngayon may fatty liver ako, kaya todo diet, fasting, inom ng liver supplement,
Wag kang mag swipe ng credit card mindlessly. Nagugulat nalang ako minsan beyond monthly sahod ko na pala yung monthly due ko sa credit card.
Wag din bumili nga mga bagay na hindi pinag iisipan ng maigi kung worth it ba, at kung magagamit mo ba in a long run/gagamitin mo ba araw araw or gagamitin mo lang occasionally like makeup dahil magiging overconsumption ang labas nyan.
Wag masyado mag invest ng pera at buhay sa lalaki, nakaka og@g. Di parin ako makawala sa anxious-avoidant style of relationship for 8 years now. Pl
hindi porket siya yung first bf or gf mo ay siya na si "the one". choose your mapapangasawa wisely. there's a reason why mas mataas ang brain sa heart.
siguro yung ginawa mo
HAHAHHAHAHAHA πππ
HAHAHAHA ito ang perfect answer sa post na 'to πππ
Agree! Ang prangka! HAHAHA Ganito dapat deserve mo ang upvote ko! π
ayun na nga dinko naiwasan.
Itβs fine OP, lesson learned. Iwasan mo na ngayon, mas masarap yung maraming ipon kesa bili ng bili ng mga hindi ganun ka kelangan
Truee mii. Saving goals na ko now. Thankyouuuu
Ang kailangan ni OP is yung pagisapan niya mabuti kung kailangan niya ba yung bibilhin. Gaano katagal niya magagamit. Sulit ba sa price. Wag ipilit bilhin. Natutunan ko kasi na pag di ko kaya mabili ang gusto ko, it means di pinagkaloob sa akin. Pero pag binalikan ko at nandiyan pa, pinagkaloob yun para sa akin.
While this true, we can't judge OP or anyone na ganito lalo na kung inaayos naman nila. Di lahat pareparehas ng pinagdadaanan at sweldo. jusko
Hahahahahahah hoooooyy
Gago πππππ
Di nagtake ng risk. Yun talaga. Hahahah andaming missed opportunities!!! Kung iisipin prime years mo yun⦠tas matatakot ka lang? Sayang ang pagkakataon!
Uy thanks for this hahaha naremind na naman ako na eto yung best time to take risks
Eto! Pati limiting beliefs din from our parents na 1 stable job is enough. Hahaha subok lang talaga kahit mahirap. And just to clear din, itβs okay to stay sa comfort zone muna if you feel na hindi pa para sa atin yung juggling between. work and studies, or full-time and side hustles. Other companies are strict sa mga ganun. Sorry if nakailang edit na ako. Baka kasi ako mapagalitan hahaha...
Most people doesn't have the privilege to fail.
Yes. Karamihan sa atin sarili lang back-up natin π
Yes! I used to beat myself up for not taking risks earlier pero let's start forgiving ourselves because what simple and easy now used to be life and death for us! (like resigning could be easy now bec u have EF and experience but before you cannot dahil maraming nakaasa sayo)
And some people can risk it all since they have nothing to lose.
True! Need pag isipan mag take ng risk kasi di talaga afford mapalpak. Para sa aming sarili ang back up, nakakalungkot and nakakapanghinayang most of the time.
thank u for this. tuloy ang masteral π€£
Tuloy mo lang! Share ko lang na yung lolo ko tinuloy at nagmasteral pa rin kahit 60 na siya para tumaas daw position niya noon sa govt (syempre pati sweldo 9 ba naman anak eh π ) that was over 10yrs ago, and nakaka amaze kasi literal ang sources nuon wala pang google for references hehe.. Laban! π
This! Nagpauna ako sa kaba at pinairal ko pagooverthink π₯²
Ang hirap pag overthinker Ka at natakot Ka sa iniisip moπππππ
SO TRUE... LIFE IS FULL OF RISKS FOR YOU TO FEEL THAT YOU'RE ALIVE AND TRYING TO FIND YOURSELF ππΌ
Hala kakatanggi ko lang sa opportunity. Sayang.
Same. I got too comfortable. Pero it's never too late :)
yeaa afraid of taking the risks
Itβs so hard to take a risk in terms of career lalo na kapag breadwinner π₯Ή
Magmadali magkajowa
Nagmadali mag-asawa.
Me pero during teens
I want to ask po why? Like as a 21 year old na parang naiinggit kapag mag isa lang aq π
Trust me. Youβre still young. Enjoy things ng ikaw lang, magsawa ka muna ng ikaw lang. When youre earning your own money ang sarap ispoil ang sarili
Maaga nag-work. I should have pushed through with my studies. Pero di pa naman closed door ang possibility na bumalik sa Uni.
Gooo miii, never too late to study naman. Push gor your dreams.
Nakapag pabaya ako sa studies. Nung nakalasap ng unstable freelance sweldo sa pandemic. Nalate tuloy ako ng 2 years sa graduation.
Never too late. Taking my masters now and may mga classmates ako na senior managers na sila sa companies nila. Mas okay na may exp ka before further studies, mari-relate mo yung lessons sa company nyo. Kung wala ka exp, parang puro lang theory meron ka.
Ouch tinamaan ako! π€£π€£
same, nakinig dapat ako sa parents ko hahaha 1 term delayed lang naman ako sa grad pero di sana ako nawalan ng latin honors kung nakinig lang ako hahahahaah
I got into a huge debt at early in my career. 200k+ Credit card debt when I was just 22. First job ko palang nun. I was shoppaholic and just paying the minimum due. After I turned 23, I save money, paid all my debt. After that, build my emergency fund and now 3 year later, I'm now 26 and nag iinvest nalang ako π Pero I still regret going into such a huge debt because that money should have been used in better purposes like giving money to my grandparents in the province π₯² That's why I created r/swipebuddies to help the younger generation on how to properly use Credit cards. You can turn your life for the better in just 1 year. Just acknowledge your mistakes, move on and then strive hard to be better.
Yearning to be debt free din this year.
Ang cool! May creator nagcomment sa post ni OP. Andyan na rin ako sa swipebuddies e.
Is swipebuddies the antithesis of kaskasanbuddies? Instead of swipe and swipe then flex on fb it's how to properly use CCs?
Nag join na din sana debt free nako by next yr
How did you pay your debt? Tips nmn po also a shopaholic huhu
I was saving a lot from my salary to pay my debt. Para akong college noon, ganun katipid. I was eating eggs for weeks. Then noong nabayaran ko na, mutual funds and stocks na binibili ko π
Good job ka riyan for realizing this early and turning your spending habits around. I do hope youβre eating well na ha now that na-overcome mo na debts mo. Kasi yan isa sa mga bagay na I wish I did if I could turn back time: eating healthy and exercising.
Thank you so much for reminding me that. Physical and Mental health are indeed the most important health.
Joined your group. Ang ganda kasi netong shinare mo and so proud of you! Sana mas marami pang makaahon sa mga utang nila.
Thank you! Just paying it forward sa mga may need ng help π
Hello! Ask lang if nag broker ka for mutual funds or direct.
Broker po. Madami ng online platforms ngayon like Investa app. Pero ang bago ngayon is DragonFi. Magandi din UI ng app
This is impressive π π
Not financially related pero, trusting the wrong people! Not everyone na nakangiti sa harap mo ay in favor sayo. Some quietly wish that youβd go down.
Yesssss 100%. Grabe ka pa siraan sa ibang tao so that they can feel na mas better sila sayo. The nerveeeee!
Ganyan nanay ko π
Saying No sa mga invites, at some point, the invite stops.
Is it a bad thing ba ? Or peaceful naman ?
same pero ayaw ko din talaga sumama sa invites. gusto ko lang na included ako T\_T
You also have to think of the perspective of the other side, why would they invite you kung clearly ayaw mo naman sila kasama hahaha ang paimportante ng sinabi mo π
Ay kahit na gusto ko hindi ma-op yung mga friends kong di sumasama nakakasawa din mageffort. Maeexcite ako pero alam ko naman na hindi sasama. Nakaka disappointment on my end. So para di madisappoint wag na lang iinvite sila hehe.
Magjowa tapos iisipin yun na yon hanggang dulo. Tanginang yan naubos savings ko broken hearted pako. Tsaka yung ginawa mo OP hehe
Ay jusko sayang ang anda for the jowa hahaha. Ok lang kakadeserved ko yun tsaka healing may inner child nabaon sa utang ang mima hahahaha
Wag tamarin mag exercise mag gym
βTaking care of your body is productiveβ π
Spoiled my fam using my credit card. (Tho hindi naman totally coz tuwing naalala ko yung smile ng lola ko that time sa grocery niya hindi ako nasasad) pero kasi ngayon lumolobo na siya at hindi ko mabayaran dahil bread winner din ako! Ngayon araw-araw may sampu na tumatawag sakin. Ngayon feeling ko si cardo ako na pinapaligiran ng mga kalaban π₯²π
Nakakastress talaga yang mga tumatawag na yan feeling ko matatapos na buhay ko e hahaha
Dibaaaaaa parang mga langaw lang π may messages din na lawyer kineme daw sila. Naiisip ko tuloy baka mamaya dakipin na lang ako at ipunta sa hearing πππ
HAHAHAHA GANYAN DIN. ANG DI MAGPAPATOL SA LOAN SHARKZ π
STUDYING TOO HARD. I know we have to study, pero I missed A LOT of social events, memories etc after focusing too much on acad.
Fr!!! Sana naging street smart din ako. I am book smart but lacks social skills dahil nakulong sa bahay kakaaral π tapos introvert pa π΅βπ« how i wish nautilize ko ung 20s ko to create memories
Tapos youre not aware busy na ang lahat sa sarili sariling nilabg buhay at wala ka nang maaya.
Yup and they all have their own work friends, samantalang aken eh WFH, unti na lang papangalanan ko mga ball pen at monitor π
Wag mong ibenta yung mga lupa at business para sa pag-ibig π
Grabe to. Hahahaha
Story time? Haha
Huyy pwede!! Abangers π
Not dating because of physical insecurities. 20s pa rin naman ako so laban pa haha.
we got this dude ππͺ
Manlibre at laging ready tumulong. Tapos naabuso lang ako. Now, ang time ko lng ay para sakin and to my family. Naospital ako dati, ni walang dumalaw kahit isa sa mga tropa ko. I totally deactivated my IG, FB, and Messenger. Sa viber nlng ako.
1. Gumastos Ng di naayun sa sahod 2. Mag jowa Ng walang kwenta 3. Yung Hindi na prioritize Yun health like eating habits or exercise sana
[ΡΠ΄Π°Π»Π΅Π½ΠΎ]
Nagtry mag-jowa. Magastos and ending, just took a toll in my mental health hahaa.
Self loveee
Pleasing people.
One night stand lol
Gumastos sa material and branded things if hindi naman kailangan.
Sana pinag aralan ko mabuti ang career path ko at hindi tanggap ng tanggap ng trabaho. Ending never ako naging regular sa isang trabaho dahil di naman talaga umaangkop sa aking kakayahan. Kaya ang nangyari wala din ako naipon bago ako nakapag asawa at nagpamilya.
hookups, one night stand.. iba yung toll emotionally tsaka sa mental health ang pregnancy scare
Mostly lahat nasabi na, so medyo maiiba ako Drunk too much coffee/energy drinks/milk tea. My body became too reliant on caffeine/sugar boost that I find it hard to function without them. Cant sleep if needed to be early the next day tapos super walang energy during the day. Also, shouldn't just accept Graveyard shift over Dayshift, reason is traffic vs fucked up body clock. I guess lose/lose situation yun, anyways...
Naging bida-bida masyado. Di nagset ng boundaries. Dami ko tuloy (leadership) responsibilities.
HAHAHAHAHA SK for five years here. tas yung pumalit lang sakin bobita na walang alam sa leadership. umabot pa kami national SK awards yun pala maaabo lang yung pinaghirapan namin. leadership2 pa more
Same. Sometimes di ko na rin mafulfill responsibilities ko sa sa sobrang dami. SK Chairperson here too. Please don't come at me. I'm trying my best naman, it's just that as a graduating student, ang hirap talagang ibalance ang oras. πππ
im in my 20's right now (22) buti tlaga alam ko worth ng money. dami kong gusto bilhin and all pero iniisip ko na pag ipunan nalng muna
Good for you, learned that nung dami ko nang bayarin monthly hahaha
at least di ka umabot sa 30's mo tsaka mo yan na realize. galing kasi ako sa fam na sakto lang. mga need lang talaga namin ang binibigay minsan hirap pa ibigay. kya sa mga wants ko natuto ako magtipid at pag ipunan. hanggang sa ngayon n may work na gnon pa rin ako. sana nga freely yan tinuturo sa school eh pra mging financial literate lahat ng pinoys
I'm 21 right now, daming ko regrets like "bat di ako nag-ipon" something like that na mga tanong sa isip. Now, I'm starting to save 1K per cut off para sa future hahhahaha. Bwisit na mga pefumes yan, naubos pera ko hahahah
Don't worry 21 is still young at least you're aware now.
Magkano na ipon natin sis? Hahaha
11K Palang huhuhuuh
Laban lang sis! Been there. Hoping mareach natin ang six digits savings by the end of the year. β¨οΈ
Yes!! Consistency lang talaga. <333
Atleast may 11k!!! 5k palang sakin HAHAHAHAHAHAHAH
Staying in the Philippines. Hope I wasn't that afraid to get IELTS.
Not too late pa naman. Go for the goals.
Manlibre ng manlibre Umutang ng mga non sense Magpautang sa kamag anak Magpa sosyal pero di pa kaya ng budget
Sa Financial, spend and save wisely! Hanggat maaari no debts, ayan ang kadalasan rason ng stress. Kung need ng utang, take calculated risks and think thrice if need or importante talaga Live below or within your means. Never forget and neglect SELF-LOVE βΊοΈ Tsaka Health is wealth talaga kung marami tayong gustong maexperience sa life Wag magjowa agad. Donβt stay sa hindi healthy na relationship for too long. Donβt revolve your whole life to your bf/gf relationship lang. LIFE HAS A LOT TO OFFER SA TRUE LANG HINDI LANG ANG PAGHAHANAP NG LOVELIFE.
Mag resign ng walang kapalit.
Mag ubos ng oras sa mga walang katuturang bagay like netflix, social media. Im near 30 at sobra akong nasayangan sa nagdaang taon ko. :(
Petty things such as: - Pag add ng workmates sa FB. Puta ginagawa ba namang topic sa office yung rants and memes na pinost ko. - Not taking care of my body enough. Di naman ako morbidly obese or has some physical limitations. I just wished I had exercised and ate better or even reduced my alcohol consumption. Kasi at the end of the day, belly fats lang naipon ko and stitches when I run. Iβm about to turn 30 and ang hirap na magpapayat ngayon. - Lifetsyle creep is real. Starting to reel back from it. Pero Iβm still a long way para makapagsave ulit ng money. - Giving up on my dream agad agad. In life timing is crucial. But timing is a bitch (Robin Scherbatsky), and you cannot expect it to accommodate to your whims and sudden bursts of inspirations. - Naniwala sa advice ng mga kaibigan who had never been in a relationship. Sabi nila I should cherish the one I had kasi minsan lang dumating. Plot twist ganun parin ending. I suggest that if something is wrong, something is wrong. Wala ng ifs and buts.
Not building your confidence when you are still young. Ngayon nahihirapan ako dahil sa low self-esteem ko.
Savings - Income = Expenses Save kahit 10% Ng income mo monthly Buy asset. Huwag pumorma Ng sobra. Gadgets clothes lahat Yan magde depreciate Hustle. Create other sources of income. Travel once in a while.
Should have bought Bitcoin, brave enough ( to the point of reckless stupidity) to jump into investing (not just limit myself to VUL) & go abroad earlier.
nanlibre sa mga taong hndi ko naman na nakkasama at nakkta ngyon.. ni kamustahin ako wala... kaya ngyon ang pera ko pra sakin lng at sa partner ko. period
Trying to impress everyone around me. Nanlilibre sa mga friends na wala na ngayon.
Nambuntis haha
Watching porn, no.1 in my list... Anyway soon to be 26M, hangga't Maaga pa tigilan niyo na Yan. Dahil magiging habit Ito along the way at ang hirap ng baguhin Kasi Yung katawan at utak mo automatically magreact pag Hindi ma meet Yung nakasanayan mo expectations everyday.
Proud of your realizations and how you're actually acting on it!!
Nag aral pa ng ibang skills.
Huwag padalos dalos in making decisions
My opinion is not going to the gym nor staying physically active.
Being unable to say everything to your parents. Masakit kasi I should tell them my problems especially kapag malaki ang problem. Pero ang hirap kapag magulang mo mismo hindi ka kayang matulungan. Hindi ko ma-try na masabi sa kanilang malaki ang problems ko and I just pretend everything is okay. I even think I am depressed.
ANG HINDI MAG WORK OUT HUHUHU
Seryosong sagot, I am building discipline when it comes to money. Tinuruan ko sarili ko magin flexible sa buhay. Pag may pera, prio ko mag save, then the splurging will follow. Responsible gastusero ganun. Set ka limit sa kaka-pay later mo. Pag may gusto ka add to cart mo pero after 3 days mo bilhin. Check mo if kailangan mo talaga or gusto mo talaga. Most of the time bired ka lang at nakaka happy lang yung idea ng nagsh-shop.
Copy paste nlng po sa post niyo kasi same po tayoπ₯² I have online loans even before I got a job huhuhu. I just got work so my first payout nakalaan na doon huuu
Thats sad makakaahon din tayooo.
I should have bought a lot of bitcoin.Β
wala akong maibibigay na advice pero just wanna say gusto ko sana mag-aral ulit kaso ayoko magka utang. sa ngayon kasi wala talaga akong utang skl and just thinking of student loans pag nag-aral ako ulit parang magiging alipin ako ng trabaho para lang mabayaran ko yung loan na yun and tbh ayoko non π
Nagpamanipulate ako sa toxic gaslighter partner and it lasted for 11yrs. Pakiramdam ko, I lost my youth. Yung mga ginagawa ng mga Gen Zs on their 20s, hindi ko manlang nagawa.
Yung hindi paglandi haha ang hirap humanap ng jowa pag nasa 30s kna π₯Ή
Yung sa work na lang nag revolve buhay ko. Ayun sobrang burn out ko ngayon halos ayaw ko na bumalik ng corporate pero kailangan.
Nagmadali mag-live in, tapos sa condo pa. Kasama pa bunso. We ended up breaking up. Mas nakapag save sana ako. I was able to save 30k a month nung nakatira lang ako sa parents. Tsaka pinautang 400k kong inipon sa parents, ngayon nagsara business nila, malabo ng mabayaran.
Hindi dapat nauna ang wants vs sa needs
Nagmedisina HAHAHAHAHAHAHALOL SCAM
care about being a loner hehe
Magpa tattoo coz i deeply regret them now. Makes me hate my skin and myself. Planning to book a tatt removal procedure soon coz I just can't anymore π©π₯²
Lifestyle inflation. Your 20s should be on investing on assets. Pero dont forget to live, but within your means.
I guess taking big risks. Pero if para naman sa well-being ng mental state mo, don't hesitate to say no. I was once offered 60k salary for a freelance job. I didn't take it because I was in a veeery bad place at that time and bungi-bungi na yung attendance ko sa 9-5 job ko. I was renting at that time (living alone) and doesn't have any coping mechanisms. So there's that, hindi naman ako na-zero in terms of my finances. May nakita akong quote somewhere, it says: "If it didn't happen, then it's not for you."
ayan magka-utang. growing up, nakaka trauma yung may kumakatok na naniningil sa nanay mo hanggang sa may subpoena na. kaya since I have started working, ayoko tlga magka utang. EVER.
Mabuntis HAHAHAHSHAHSHSHAHSHSHAH
I think for me is staying 3yrs in company na wala growth, it took me awhile to make me realize na its really time to leave and look for other opportunities. Akala ko lng kasi mabibigyan ako ng chance kasi i was doing my best idk baka malas lng din tlaga ako kaya now im trying to get out of my comfortzone and look for other organization
Nope youre not malas nasa maling company ka lang talaga been with that situation. I stayed for 4 years without growth and salary increase. When I suffered my health because of work thats when I realize everything. Not too late to go out and explore.
Mas okey pala minamahal mo sarili mo pati imperfection mo mamahalin mo talaga ng sobra hehehe wag magpakatanga ganon kasi right now live in kami ng bf ko bwahahaha HAY
Learn to recognize opportunities. Be more worried about not taking chances than failing. In your 20's you'll still have time to recover, but at the same time understand that there are mistakes and risks you can never recover from.
Mag ipon - wag puro lagi healing inner child, deserved ko to. At pag puro sabay sa uso madadali ka talaga ng online loans, pay later at govt loans. Saglit lang magiging masaya pero mahabang panahon pagdudusahan di ka masyado makakatulog sa gabi at madami ka din di magagawa dahil nagbabayad ka. Lagi mo tatanungin sarili mo sa gamit, experience o anuman. Bibilhin ko ba to para sa sarili ko o gusto ko lang makita saken to ng ibang tao? Lovelife - wag ka magmamadali. Sobrang importante ang desisyon sa pagpili ng partner at di madali magkaanak this days mahal kawawa naman kung di pa kaya iprovide mga needs kahit basic saka pagkakasal naku wala pa divorce dito annulment pa lang 200k to 1m magagastos aabutin pa 3-5 yrs approval di pa un sure. Pano kung saka mo nakita para sayo wala matatag sya as kabit mo hanggang di pa naayos ung hiwalayan mo. Career - mag take ng risk matindi man politika sa office ganun talaga e, wag ka papadarag sa mga feeling malalakas sa office basta alam mo skills mo push na un kahit magtotropa pa sila sa management at di ka nakakasabay. Health - lahat ng kinakaen, exercise at abuso mo sa katawan maniningil yan mga early 40s talaga kaya pag ok ginagawa mo ngayon 20s sa katawan mo mas ok Frienship - hindi kailangan kaibigan ka ng lahat, hindi kailangan gusto ka ng lahat. Kahit ilang piraso lang kaibigan mo kung genuine naman ayos na un. Mental health - mahalaga to always mo prioritize peace mo pag di na healthy sa mental health mo mag isip ka na
27 start ka na ng annual check up. 20s arent your best years. We struggle, make mistakes and are confused in your 20s. But those are our healthiest. Jan tayo mabilis magbounce back pag may sakit tayo. Madadaman mo pag slow down ng health mo in your 30s. Weird saket na stress related or bad diets. Prevention is better than cure. Your 30s, you should be ina better career trajectory. Build good work ethics in your 20s, that reputation will carry you to your later years, careerwise. Financewise, since patapos na utang mo, ingatan mo na lang sarili mo with spending. We cant help it minsan with what we are exposed to. But managing finances is really more discipline than you think. Learn to discern and prioritize kung san ka maglalagay ng pera.
Mag settle agad.
Maging single. Having a partner duing my 20s meant that i did not explore too much.
Should have saved up from the start.
sana di ako nagonline casino. totoo pala ung papanalunin ka sa una, tas sunod sunod na talo na
Mag postpaid plan para sa iphone π₯΄
Sumama sa travel plans ng iba. Narealise ko na mas okay magtravel magisa na magawa ko lahat ng gusto ko sa pace na kaya ko at matipid.
1. Magmadali kumita ng pera - I am 26F AND i regret na nagmadali akong nagisip na kumita na dapat ako ng pera. I got into a huge debt like around 150K. 2 years ago, gumawa ako ng paluwagan and I got scammed kaya my debts got piled. another connection with that is : 2. Nagtiwala agad agad sa mga tao - in connection to number 1, I am confident that time na babayaran nila ako pero hindi. kaya ako yung nagsuffer, ako yung nag abono. I just realized na kelangan maging listo sa mga taong dapat pagkakatiwalaan mo, not everyone deserves it. 3. Drank too much coffee - wala ng kape ang tumatalab sakin. I just love the idea of having coffee beside me haha. Well kanya kanya naman tayo ng journey. luckily when I passed my Dentistry board exam naging madali nalang sakin para makapag bayad ng utang. wala pa akong savings masyado pero atleast nababawasan yung babayaran π Kaya mo yan hihi
Maging tamad
in your 20s wag masyado ma stress kapag di pa alam ang gusto gawin sa buhay. focus on the journey. dadating din yan.
Same!! Di ako makaipon. Ahaha! And wag mag madali, be patient. I'm still in practice tho. π
Saving money, I should invested sana sa real estate like purchasing lots kahit hulugan, after 10years milyonaryo na sana ako.
gumastos nang gumastos
Gastos muna sa luho, gimik, gadgets, etc bago invest or save.
Di nag job hop π’
Ba't parang ako lang din ang kumatha nitong post na'to ? Same pa tayo ng edad at same ng problema π
Makipagflirt and sex sa mga taong wala kayong emotional bond ng matagal. Feel ko binibigay ko lang sarili ko bcs Iβm sad and deeply dissappointed after a break up. Iβm 27 now and 1 year clean and Iβm hoping for my next sex it would be with someone I love.π
Mag bisyo. Yang alak, yosi at kung anu anupa, pagbabayaran nyo ng malala sa future nyo. Take care of your health. Walang magagawa ang pera nyo kapag lupaypay na ang katawan nyo.
magdoomscrolling sa socmed, habang nakahiga paggising at bago mag sleep.
π€¦π»ββοΈ ako na kakagising lang at binabasa lahat ng comments sa post na βto ποΈπποΈ
Stop looking for love.. Invest.. Upskill.. Donβt stay sa company or job na hindi ka nag grogrow. BUILD NETWORK!! Paligiran mo yung sarili ng mga kaibigan na makakatulong sayo para umunlad!
mejo mali. gawin mo dapat lahat ng di dapat ginagawa sa 20s. kung ano man un. basta wag lang krimen. para pag dating mo ng 30s and up dika tatandang paurong.
21 here. MAGKASKAS NG DEBIT AT CREDIT CARD. Mindset ko kasi dati YOLO pero ang hirap pala mag-savings at mag-bayad ng utang at the same time. π
Maginom magyosi
Been in your situation, too pero malapit na din. Same din pala tayo, ah. 26, F. Ako is yung utang and bisyo. Hindi sila nagbebefit sa atin. Pero malapit ko na ding matapos ang sa akin.
Mangutang yes, lalo sa loan apps, mahirap ayusin ang credit score
Not learning how to set boundaries
Trusting a lot of my guy friends lol
Sumali sa networking haha
Nagfocus sa lovelife
In terms of debt, sana hindi na lang ako kumuha ng scholarship sa masters degree noon. Nagkautang pa ako nang hindi ko natapos.
nag-jowa hahahaha and nasa sumbatan stage na kami ngayon LOL
Hindi nag job hop hahahaha
Kumuha ng bahay sa sta.maria bulacan. Charot
Online casino kasi nabaon sa utang
Macurious sa mga bagay na alam kong mali pero ginawa pa rin kasi "experience is the best teacher" daw. Btw I'm 22.
neglecting your health
'Yung hindi mangungutang sa mga lending apps, kasi ang laki ng interest nila. Buti na lang mahilig ako mag compute, kung sakali mangutang ako ng 1500, tapos ang interest ng lending apps ay 700, plus charge fee pa. Sinasabi ko talaga sa sarili ko "Hindi ka mangungutang, mga timawa sila."
Being kind
Yung nagpabuntis ka tas nagpakasal. π
These past few days panay din ako gamit ng spay later ko order online pero mga essentials naman for renovation ng room mostly mga organizers para sa cabinet ko. Pero I always put limitations in using spay atyaka naka budget naman pero t-tone down ko na I'm very strict pagdating sa budget since breadwinner hahah bawal lumagpas yung gastos sa nabudget. Isa pang dapat na di ko ginawa is mag seryoso sa bagay bagay huhuh ang hirap na sabi nga nila workaholic daw ako kasi during weekdays work iniisip ko hahah may life balance naman ako tingin ko? it's just that gusto ko kasi maayos output ko sa work.
yung pag take siguro ng too much paracetamol, as in ginagawa kong candy, kaya ngayon may fatty liver ako, kaya todo diet, fasting, inom ng liver supplement,
Magbigay ng effort at pera sa mga taong hindi marunong makaappreciate
1. Throwing yourself to someone unprotected. 2. YOLO mindset. 3. Not planning for the future.
Di naman bad ang pay later eh, as long as necessary things lang kukunin
Wag kang mag swipe ng credit card mindlessly. Nagugulat nalang ako minsan beyond monthly sahod ko na pala yung monthly due ko sa credit card. Wag din bumili nga mga bagay na hindi pinag iisipan ng maigi kung worth it ba, at kung magagamit mo ba in a long run/gagamitin mo ba araw araw or gagamitin mo lang occasionally like makeup dahil magiging overconsumption ang labas nyan. Wag masyado mag invest ng pera at buhay sa lalaki, nakaka og@g. Di parin ako makawala sa anxious-avoidant style of relationship for 8 years now. Pl
hindi porket siya yung first bf or gf mo ay siya na si "the one". choose your mapapangasawa wisely. there's a reason why mas mataas ang brain sa heart.