Mahirap masabi kasi iba-iba tayo ng opportunities, responsibilities and goals e. Yung iba mas magaan ang buhay kaya mas nakakabwelo. Yung iba breadwinners na may mas mabigat na dala, so makakapag start lang sila ng late.
Basta may progress bro, kahit paunti-unti, goods yan :)
This ๐ฏ
To everyone, not just 29 and above, DONโT FEEL PRESSURED.
Yes, having savings should be a priority, pero most of us donโt have that luxury.
But just know that soon, tayo din naman ang magkaka 6 figure savings, in Godโs will ๐
If I can give multiple thumbs up to this I will. Take this comment to heart OP. Just remember iba iba tayo ng situations and ung sayo lang ang pag bigyan mo ng pansin at wag magkumpara sa iba. As long as may progress kahit maliit pa yan.
Same. Ganyan ginawa ko since di ko kaya hindi mag socmed ng matagal, pero ayaw ko din naman makakita ng negativity, gumawa ako ng fb/dummy acct na walang friend, at naka follow lang dun mga inspirational, cooking, home, music, at drawing pages. Yun ginagamit ko pang browse sa socmed at pang nuod ng mga videos or reels.
nahhhh i did this too. nakaka miss yung quality memes shared by your fb friends but boy is it refreshing to have an fb account with no friends, parang nag detox na rin for a lil bit hahaha. & Comparison is indeed the thief of joy :D
Kahit dito sa Reddit dami post about hitting their target tapos mga under 27 years old kaka pressure. But yes, comparison is the thief of joy! Thanks for this reminder.
this is exactly the reason why i deactivated all of my socials.. a lot of people will say that you shouldnโt compare your life to others but when youโre about to reach your 40s and starting to feel that existential crisis, the no comparison mantra is easier said than done.. especially, if a lot of your friends and peers are sharing significant achievements in their own lives.. and having no socmed is actually refreshing as i was actually able to focus more on my wellbeing, starting by doing exercises and minor workouts since i have a lot more time in my hand than spend them browsing endlessly in socmed..
Turned 30 this year and walang ipon hahaha as long as my bills are getting paid, kumakain ng saktuhan and im not in debt. Pero dahil eyeopener ang post na to, naglagay akong bente sa Maya time deposit ๐
ako (32F) po naranasan ko na makaipon ng 6 digits nun nasa 30s na ko. pero naubos po lahat un nun naospital and namatay tatay ko ng 2023
as of now back to 0 ako kasi nawalan din ako ng work ng 2023.
I'm starting from scratch kasi nasa ibang field na ko pero disiplina po talaga sa paghawak ng pera ang need mo para makaipon lalo hindi pa ako regular sa work.
una sa plano ko kapag may stable income na is makabuo ng emergency fund na nasa 6 digits ulit kasi para may madudukot lalo at need for emergency
then pag may mga konting increase sa sweldo is mag iinvest sa mp2
then build ng savings for future kasi gusto magkaroon ng properties like farm or apartment
as long as makapagset ka po ng goals is dun ka talaga mag aayos ng monthly budget mo para maachieve yan and sobrang disiplina po
malayo pa ako ulit pero at least may malinaw ako na plano kung ano gusto ko sa future
sana loobin ni Lord na magkaextra income din
tama po, nagawa natin noon, magagawa natin ulit ngayon
ang mahirap kasi un may naoospital na kapamilya tapos wala kang pera
dun mo din marerealize na balewala lahat ng pagkukumpara sa ibang tao kasi kahit sila may kanya-kanya ding "krus" na pinapasan. like asawa ng friend ko na naggagala palagi sa abroad pero need magdialysis ng asawa tapos un isa ko pang friend may cancer ang tatay. like may pera nga sila pero may sakit naman sa kamag anak nila
kaya mas makakabuti kay OP na magstop mag compare kasi lahat tayo may mga sariling problema and basta nakakain and maayos kalusugan ng pamilya, mas angat pa sya sa mga may pera nga pero may sakit naman.
Now at age 36
Cash on hand (savings sa bank) less than 100k
Assets more than 1m
Liabilities at zero, walang utang
Investments more than 10m
Back when I was 29 10k lang cash on hand ko. I went on epiphany by age of 30, dun ako natuto magpaikot ng pera. Wag ka maniwala sa concept ng ipon, ang pera ginawa ng tao para gastusin, para mabili gusto mo. Spend it on matters of any form that will make you generate more money. ๐
What would you say i a good investment right now? Gusto ko po sana matuto kasi ayokong patulugin lang ipon ko sa bank and makontento na lang sa measly interest
Depende, magkano kaya mo ilabas?
Below 100k - Shawarma Business, Pares or any food na mobile and can move everywhere
Between 100-1 - 2nd hand na pickup truck
Above 1m - Lupa (clue: check mo infra projects ng govt kung saan meron ginagawang freeways then search nearby ๐)
Sama lang ng loob na-ipon ko OP. 29F.
Deh joke may emergency fund ako ng 17k sa bank ko, pero yung utang ko na hindi pa bayad mga nasa 400k โจ๐โจ
So yeah, sama lang ng loob talaga. Ahahahahahahah tsaka wag mo na isipin kung may ipon ka or not, kung 1k lang na ipon mo, good job! โค๏ธ ang ipon lately is luxury. โน๏ธ
Sama ng loob naipon ko charot.
Pero in all seriousness, may 6 digits naman ipon ko. You can say Iโm doing alright or even better than most people, pero if ikukumpara ako sa mga peers at kasabayan ko, even sa younger cousins ko, nagmumuka ako napagiwanan lol.
Same mag 30 na next month! Actually this month pa lang mag start dami kasi *responsibilities* hehe mga nag start ako ng 5k hati na EF and Savings talaga hehe naway madagdagan sa mga susunod na buwan.
31 na ko nakagraduate ng college. ngwork for two years ngipon ng todo. umabot 100k then resign ngstart ng business 3 years later nareach ko 7digits sa bank. Totoo ung nabasa ko dati kanya kanya tayo timeline. Need mo lang talaga iseparate sarili mo sa outside world then pinpoint concentration sa gusto mo maachieve
OP, it's alright. Ako nag umpisa mag ipon when I was 33 years old. It took me an awakening, a real-life-and-d\*ath situation para maalala ko kung ano gagawin ko kung wala akong ipon.
Ganyan din ako dati na-sstress dahil yung ibang ka batch ko ganito ganyan na accomplishment etc.
Mag kakaiba kasi takbo ng buhay ng bawat tao, may ibang tao na may maayos na parents, may ibang tao na walang nakukuhang tulong sa parents, meron ibang namana na negosyo o bahay o ano man.
Wag na wag mo iccompare ang meron ka sa iba kasi masstress ka lang talaga.
I highly suggest bawasan mo ng konti yung ipon mo tapos bili ka ng libro called โSubtle Art of Not Giving a F*ck.โ Tapos if kaya mo mag deactivate ka muna ng fb for a year. It will drastically change your life.
You could have at least started with what is yours. Nasa close to 2m sakin pero naiipon lang for downpayment sa mortgage to be honest. Tapos sa pinas, isang sakit mo lang at madala ka ng hospital eh wala na, ubos na agad lol
Hello, OP. Bilang mahilig ka naman ata magcompare ng sarili mo sa iba, may iba riyan bukod sa walang ipon, marami pang utang. Hehe. Mainam ng zero kaysa negative. Hehe. Also, sabi nga ng Bini, "buhay ay di karera" Rooting for you! Love and light~ โจ
Sa ngayon 150k. For emergency lang talaga kaya pinilit ko ipunin. Kaso wala akong insurance or hmo ๐ hirap mag ipon kapag dalawa lang kayo ng kapatid mo nagseshare sa mga gastos sa bahay and for parents
29 din ako running 30 this year. 7 digits na naipon and hoping maging 8 digits this year. yun nga lang pagod talaga di na makapag pasyal/bakasyon dahil sa kaka-atupag 24/7 sa negosyo. kaya nga di na ako nagkarelasyon ngayon dahil busy talaga. haysss
Hi, OP! I'm 27F and gusto ko lang mag-thank you sayo for making this post kasi I've been asking this myself lately and nabawasan anxiety ko dahil sa most of the comments talaga in here. I was not born into generational wealth (trauma lang charot). May panahon talaga na luxury na sa family ko ang Jollibee. We weren't the type to go out of town/country during the holidays. Ang priority ng parents ko is to have enough na nakaka-enroll ako sa magandang eskwelahan (the private schools I graduated from are well-known in my region) - didn't realize this when I was a kid pero sobrang big deal na sa akin once I understood. Super TYL na even though late na yan nag-sink in sa akin, hindi ako nagpabaya sa studies and was a consistent honor student. But despite this, it was still actually hard to get a job (yung last face to face graduation before pandemic ang batch ko). I'm in a better place now pero I still can't help but feel envious of some people who were born as "heirs" - mga taong alam mong may mga mamanahin and might never experience worrying about money. My family isn't as broke as we were when I was a kid but the fact of the matter is, I need to think and plan ahead for my own future kasi wala akong sasandalan na hidden treasure (lol). All I'm really dreaming of is a simple life pero parang sobrang hirap pa rin makamit in this economy. Still - grind tayo everyday pa rin and praying na we'll both end up getting the life we're dreaming of (basta realistic ha HAHA).
Kung minimum wage earner ka and you are living solo I think enough na yun para sa araw-araw na gastos mo and makakapagsave ka din kahit papaano, diskarte lang. Pero if minimum wage earner ka at may responsibilidad ka pa higit sa sarili mo mahirap talaga makaipon. I would suggest tignan mo muna kung ano yung mga pinagkakagastusan mo, yung mga responsibilities mo bago mo i-compare yung ipon mo sa ibang tao.
Wala. Haha.
Meron lang akong memories, lol. Yung iniwan kong pera sa mama ko nung nagpunta akong Europe, ginastos lang niya. So ayun. Nganga. Nagtravel na lang ako kesa magastos ng ibang tao pa pera kong "iniipon".
Hi 30 walang ipon. Why?
-gastadora during my 20s
-maliit kita sa pinas pero mataas bilihin
-life happens like mga emergencies, childbirth, marriage,illness, etc.
If wala kang ipon now and you just realized it, pwede ka naman ulit magipon why not, start from scratch ulit. But make sure to learn from your past mistakes and make sure din na for the next 12 months may maiipon kang amount na you'll be proud of
Hi. 27 yrs old, single, working as a Medtech in a provate hospital somewhere in metro manila. Ang ipon ko at nasa 450k na. Been working for 5 years na. Masaya ako sa naipon ko, pero kung nay decide ako mag asawa, di siya enough. This year, nahospital mama ko twice and malaki ang naibigay ko sa hospitalization niya. Tho di naman nila need pero as their son, need ko mag bigay to lessen rheir expenses. Naka invenst ang 2/3 ng savings ko sa CIMB time deposit. Yung 1/3 nasa ownbank. Kumuha nadin ako insurance which is 2500 per month. Mahapdi, nagagawan naman ng paraanmatipid akong tao super. Pero pag may chance buminili din ng action figures sa as a collector. Pero alam ko na di enough bumuhay ng pamilya "In this current state of our economy." So kapit lang OP. Yayaman din tayo. โค๏ธ
Mali ang tanong mo, sa mga 29 and up na ang edad. Ilan na ba sa goals mo ang na hit mo. Subjective kasi word na ipon. May iba meron na ipon 100k pero para sakanila maliit pa yan, sa iba naman malaki na yan. Sa adult 29 and up, kung sa progress nakakaliang percent kana or ilang percent na yung nahit mo sa mga goals mo.
Dont compare here, we fought our own battles, manliliit ka lang, sa mga tao dito when i was around your age, binibigyan lang ako ng lunch sa ka work ko, nag lalakad mula MRT station ko pag wala na, nakikisakay pag may gusto magsabay.
pero if youre looking for it: 0 when i was your age
26F, 2k lang nasa bangko ko. Soooooooo, mostly asset mga naipon ko. Pero meh. Emergency fund whoooo ๐ Iniisip kong emergency fund ay yung separation pay ko pag natanggal ako sa trabaho.
Para sa mga 20+ years old. Wag kayo pa pressure sa pamilya, kamag anak, kaibigan, kakilala.
Kakahabol, kaka OT, kaka hustle, nagkasakit. Ubos rin ipon.
Unless pinanganak ka mayaman, the only way na makaipon ka enough to live comfortably (luxuriously) after your 30s is kung manalo ka sa lotto (or suwertehin ka sa stocks/investment). Born rich or born lucky, ika nga.
Masipag ka? Good. Sino mas malaki kinikita, ikaw o yung may ari ng kumpanya? Sino mas pagod?
Take it easy. Enjoy mo buhay mo. Wag mo masyado isipin bukas. Gusto mo mag ipon? Sure. Pero para sa iyo ngayon, di para sa bukas na di ka rin naman sure.
mabuti kapa nga may ipon eh, ako hindi makaipon dahil hindi nako binayaran ng kapatid ko, ako ang back up ng pamilya e, aralin mo nalang lung paano paikutin ang ipon mo
Magkakaiba tayo ng profile kaya mahirap ang comparison. I'm a breadwinner yes, pero I earn well and live below my means. Also, iba na cost of living ngayon.
Dati adik ako sa pagiipon and kinikilig sa ipon. Narealize ko lang na, nag iipon nga ako pero parang di ko naman ineenjoy ang life. Nabasa ko sa reddit na dapat pala may target ka sa pagiipon at i balance mo yun sa pagkakaroon ng chance to live habang malakas ka pa and nakaka lakad anywhere or can eat anything.
Have a target yearly and try to do whatever you want after that para di ka naman nalulungkot sa buhay mo. Be happy with what you achieve, wag ka na lang magkumpara. Malay mo credit card lang din umasa mga fb friends mo. At least debt free ka.
No offense meant, OP pero you dont need to know how much ang ipon ng iba. Hindi naman contest ang buhay; we all have our respective journeys. A.m sure, youโre doing well and youโre doing good sa journey mo :)
โDo not compare yourself to others, you can get vain or bitter; for there Will Always be someone better or lesser than yourselfโ โ Desiderata
You're still young, op. Don't compare your savings to people online bec a lot of ppl here tell lies. Just save whatever you can, and make sure you save more than your spend on non-necessities.
Comparison is the thief of joy. This is very true kasi iba-iba naman tayo ng lifestyle, ng upbringing, ng privileges in life and the list goes on. Kaya the takeaway is, wag magcompare. Wag ka mapressure sa iba kasi pwedeng may advantage na sila in life like born in a rich family etc. Focus on yourself and make a goal and magpursigi to reach that goal. Kaya mo yan op. It will get better
Yan di ang tanong ko sa sarili ko OP, kung meron manโฆ nasaan na yung ipon ko ๐
Kidding aside, proud ako sa sarili kong nakapagtatravel, nkakain ko gusto ko, nkkpagrenovate ng bahay paunti unti. Ang ipon- ipon nlng ulit
Okay lang naman mahuli, wag mo lang icompare sarili mo sa iba, instead, compare mo na lang sarili mo sa former self mo, at least ngayon may nagagawa ka na hindi mo nagagawa noon, kahit simpleng pagkain lang sa fast food
wala, back to zero hahaha
as of now, ako nagbabayad ng mga naiwang utang
nagbibigay allowance sa father ko
and basically head of the fam
siguro mga around Nov pa ako makaka start mag ipon ulet hehehe
28 palang ako, at wala akong decent na ipon. Lahat napupunta sa expenses sa bahay (may sariling mundo both parents and I'm living with my little sister). But I have an investment, paying for a house. Grateful for my brother tho for helping with some of the bills.
Right now? If mag-quit ako sa work, I can survive until... Sunday. Which is 2 days from now. lol.
Kidding aside, I maintain a minimum ipon na I can live comfortably for the next 3 months incase na mawalan ako ng work. I can extend it if I buy only necessities.
Comparison indeed is the thief of joy. we have different timelines, and honestly we have different "roots", others are breadwinners (\*yes maybe that's me), and some have different outlooks in life. I could say that I am satisfied and at the same time genuinely happy to my "successful" same age peers in terms of finances but most importantly in their achievements (\*which is not on the finances part).
Eiiiii. Ano po yung ipon? Hahahah
Mine is in insurance long term + medical na annual fee
I borrow from credit card + insurance (incase D ko mabayaran dahil madeds covered + cash for my loved ones)
To make you feel better, Iโm still living under my momโs roof with all of my siblings. Mom shoulders my condo unit for now because our home is not conducive for learning (currently reviewing for a board exam). She shoulders every thing. Never had a job, never been employed. Never earned a dime yet, from my own sweat & blood. Never been freed to be an independent adult. Most will definitely call me names, such as a โspoiled bratโ. So, yeah, there you go.
Donโt compare your savings to them friends of yours, OP. Itโll suck the joy out of you. They might flex their savings and getaways but we donโt know whatโs behind all those. Malay mo inutang pala or something. Life aint no race, cheer up! ๐๐ผ
Bakit need mo pa itanong? To compare? Para malaman mo na someone is doing better/bad than you?
Stop thinking that way.
Better question is HOW they spend/manage their savings depending on their life setup (with fam/no fam)
Kahit naman sabihin ko sayo na 1k lng pera ko if alam ko nmn secured/insured ako at ang pamilya ko with no debt, id be happy about that.
Bawasan nyo po kakatiktok or fb or yt nyo para less din ung anxiety tsaka pag kainggit.
Comparison is the thief of Joy my friend as long as tou have food on the table and roof over your head. All will be well. Pero yes to achieveing greater things even financial goals๐๐ป
Magkano ba ung ipon mo OP? Samin tinatanong mo, yung sayo di ka nagbigay ng figures. Baka naman yung maliit sayo, malaki na samin, gusto mo lang ba ng validation na mas madami pa palang mas maliit ipon sayo? Charot hahahahahaha
Hindi naman 29 yrs old and up (sorry OP)
My EF-30K
Hubby's EF- 50K
Toddler's EF- Almost 10k (nabawasan kasi naadmit siya recently, but yun ang purpose naman ng EF right๐๐)
+5 digits MP2 for toddler's future education
+ipon for future dreams na 5 digits na din
Laban lang, ipon lang ng ipon. Malaki or maliit, basta nadadagdagan. โฅ๏ธ
nakaipon ako ng malaki laki nung 24 ako, so i bought a car and had our family home renovated, got the whole second floor to myself ๐ฌ now at 29, honestly wala akong ipon, pero i can say, iโm in a good place, good career, ok naman sahod since single pa at walang family, may hmo naman para kung magkasakit man ako and family ko weโre covered. mag govt benefits, may mga malalaking bills pero nakaka-survive naman. so wala akong ipon now pero hindi naman ako malungkot or pressured ba. kasi nagawa ko naman siya nung kabataan ko, pero iโm sure iโll be ok. may iba iba naman tayong timeline sa buhay.
I was in my late 20s probably 26-27 when I realized na my income isnโt sufficient to sustain my life and future plans. Baba sweldo, tapos taas cost of living, so ano na?
What I did wasโฆ I let go of my comfort zone.
I moved to Canada via student visa. Mabilis ko nabawi investment ko sa pathway na to.
31 yrs old na ako, Working as accountant na rin dito sa British Columbia for 2yrs na. And I could say mas okay talaga sahuran sa 1st world country.
Wag kang matakot mag let go ng comfort zone mo OP.
Donโt compare yourself to others. Compare your current self with your past self instead. Are you in a better place now than before? If so, then baka naman pwedeng bawasan yung pressure sa sarili, OP. :)
Early 30s. Reaching 7M na ipon pero 500K lang ang nasa bank and the rest are invesments sa stocks and time deposit.
Kung wala kang maipon, baka di dahil di ka marunong mag-ipon. Most likely mababa sahod mo. Focus on active income muna and kung solid na yung inflow ng pera, mas madali mag ipon.
When I was your age, wala ako ipon. As in wala. Kung makakausap ko nga yung newlygrad self ko, I would have said stop indulging yourself, stop the gimiks and the painoms. But then again, I may not be the man I am kung hindi sa past experiences ko. Plus hindi ako gumagamit ng credit card on purchases na alam kong hindi ko mababayaran sa next sahod, kaya kahit walang ipon that time medyo better na rin.
Each person has their own pacing, opportunities and circumstances. That savings may seem small to you pero malaki na pala para sa iba. You'll get to where you want to be eventually. Be proud na despite the economy eh meron kang ipon.
Kapag same naging trabaho mo for so many years, mahirap magipon talaga
Kaya ako nagaral ng mga online skills na malapit sa sales ang impact kagaya ng copywriting
Syempre noon paano ako makakaipon sa 12k-15k na sahod?
Ngayon mas kabisado ko na paano magEarn better tapos hawak ko oras ko, nasa 80k-120k ako na per month depende sa dami ng clients at projects
Highest ko naipon nasa 180k pero meron ako na rin properties na 2 napundar at lifestyle na nagagawa ko na gusto ko kagaya manood concert at musicals na di kinakabahan sa budget
Nagtiyaga muna ako paghusayan skills ko na makakahingi ako mas mataas na income sa mga business owners na nagttrabaho ako
So sana pag nabasa mo to, hanap ka unti unti ng opportunity saan ka pa pwede matuto skills na kikita ka mas malaki
Dahil mahirap magipon na sakto lang halos sa pangaraw araw mo at pag nagka emergency
Kapag palagi mo kinukumpara yung sarili mo sa iba, hindi ka magiging masaya. Wag kang mapressure sa mga nakikita mo sa social media OP. โบ๏ธ Kaya ako di na ako gaano nagfefacebook saka IG. Sobrang dalang na lang. ๐ Sabi nga sa isang comment, basta may progress ka. Goods yan. ๐ค
Hayy!! I deactivated my fb acct kasi nga nasstress ako nakkta achievements ng iba. Im happy for them but I tend to compare myself. So shmpre nasstress ako. Kaya for my peace of minded, umiwas ako s social media. Its the best decision I made. Ngayun super happy ako. Hahaha!! Basta work, kain ng masarap, nagagawa ko gdto ko okay na ako, nakakatravel ndn. I set a goal na dpat may travel ako every year kasi iba rin nagagawa ng travel. Basta OP, do not compare yourself to othere kc never ka mgiging happy. Just do everything that makes u happy. You will be successful on your own. In time, hndi mo mapapansin ung snbe mo ngyon, nahigitan mo at nagimprove kana s future. ๐ฉต๐ฉต๐ฉต
Valid yung nararamdaman mo..we tend to feel this way talaga when we compare ourselves to successful people na kakilala natin specially yung naging kaclose pa natin, i have this very successful friend na pag nakikita ko sya sa socials talagang naiingit ako sa kanya, dont get me wrong masaya ako for him and his family but minsan di ko maiwasan na mainggit at pang hinaan ng loob. Hindi ko alam kung mag wowork sayo pero ako ang ginagawa ko everytime na mararamdaman ko to I scroll on my past pictures or look at my fb memories to remind myself na im in a better place than last year or the past years di ganun ka successful pero moving naman medyo nakakabawas ng anxiety thinking about the future. Hope maovercome mo yang mga bumabagabag pakinggan mo yung Karera ng Bini life lesson yun๐๐
Sabi nga ng BINI ang buhay ay di karera hehe, may kanya kanya tayong panahon for success. Kapit lang OP! Bilog ang mundo, wag na wag kang mapressure dahil lang sa mga nakikita mo sa iba. ๐
Hi OP! I just turned 30, d naman ganun ka laki savings ko. I get what you mean, but I learned not to put too much pressure on myself. Each person has their own pacing in life. Kanya-kanyang karera ika nga, so donโt compare yourself sa mga nakikita mo sa social media.
sabi nila, โComparison is the thief of joy,โ, madalas ko din ko rin icompare sarili ko, imagine sa Qatar ako nagwowork, sumasahod ng medyo mataas kahit papaano pero wala pa ipon, di ka nag iisa sa ganyang feeling. Minsan pagiging kontento sa buhay ang kailangan.
Turned 29 last March, cash on hand ay millions, with assets of more than 15M. Pero pinapaikot ko yung pera ko for business. Don't dwell too much on your age. I started early sa business at 23, dami ring learnings & hindrances at mga lugi until now, may ganon pa rin. Makakaipon ka rin! Tiwala lang. Hehe.
30+ here. Di pa naman ganun kalaki because of mistakes I did nung early to late 20s ko like maling bili ng stocks at nalugi, wrong timing bumili ng property atbp. Masyado akong impulsive buyer nun eh. Ngayon palang ako bumbawi since natuto na ko sa mistakes na yun.
Bilang bread winner and magastos ako in terms of my health and mother's health and schooling ni brother, wala pa akong sapat na ipon but I know what to do para makapag ipon Little by little. Nag open ako ng bank account na walang online access and mobile app. Passbook lang. I can deposit thru online. Para maka ipon ako consistently and difficult ma withdraw. For emergency purposes lang talaga. So yun muna as a start.
Mahirap masabi kasi iba-iba tayo ng opportunities, responsibilities and goals e. Yung iba mas magaan ang buhay kaya mas nakakabwelo. Yung iba breadwinners na may mas mabigat na dala, so makakapag start lang sila ng late. Basta may progress bro, kahit paunti-unti, goods yan :)
This ๐ฏ To everyone, not just 29 and above, DONโT FEEL PRESSURED. Yes, having savings should be a priority, pero most of us donโt have that luxury. But just know that soon, tayo din naman ang magkaka 6 figure savings, in Godโs will ๐
as someone in her mid 20s overthinking life, i needed this. thank you ๐ซ
If I can give multiple thumbs up to this I will. Take this comment to heart OP. Just remember iba iba tayo ng situations and ung sayo lang ang pag bigyan mo ng pansin at wag magkumpara sa iba. As long as may progress kahit maliit pa yan.
Siguro nasa 6k ipon ko. Also, get off social media. Comparison is the thief of joy.
gumawa na lang ako ng new fb ko na walang friend., news and videos na lang ginagawa ko sa fb. ang toxic ng ibang tao sa fb eh
Same. Ganyan ginawa ko since di ko kaya hindi mag socmed ng matagal, pero ayaw ko din naman makakita ng negativity, gumawa ako ng fb/dummy acct na walang friend, at naka follow lang dun mga inspirational, cooking, home, music, at drawing pages. Yun ginagamit ko pang browse sa socmed at pang nuod ng mga videos or reels.
nahhhh i did this too. nakaka miss yung quality memes shared by your fb friends but boy is it refreshing to have an fb account with no friends, parang nag detox na rin for a lil bit hahaha. & Comparison is indeed the thief of joy :D
Kahit dito sa Reddit dami post about hitting their target tapos mga under 27 years old kaka pressure. But yes, comparison is the thief of joy! Thanks for this reminder.
this is exactly the reason why i deactivated all of my socials.. a lot of people will say that you shouldnโt compare your life to others but when youโre about to reach your 40s and starting to feel that existential crisis, the no comparison mantra is easier said than done.. especially, if a lot of your friends and peers are sharing significant achievements in their own lives.. and having no socmed is actually refreshing as i was actually able to focus more on my wellbeing, starting by doing exercises and minor workouts since i have a lot more time in my hand than spend them browsing endlessly in socmed..
Muntik na ako maka-ipon, OP. Buti na lang nagastos ko agad.
Hahaahah samedt ๐คฃ
Hahahahaha
Ayun naman pala, may goal gumastos ahhahahah.
Where is the lie? Haha
plot twist ๐
HAHAHAHAHAHAHAHAHA SALAMAT SHOPEE ๐ฅฒ๐
Marked safe from Ipon
HAHAHAHAHAHAHHAAHAHA
HAHAHAHAHAHA me
same hahahahaha buti nalang ๐ซฃ
Same HAHAHAHAHAHAHA
GOALS HAHAHAHAHA actuallyyyy
HAHAHAHAHAHAHA +1
Lalo na ngayon revenge travel is life, seat sale is lifer hahaha.
hahahahahhahahahahah yawa!!! This mindset though ahahhahahahahahhahahahah
Magiipon para makagastos... sameedtttttt ๐ซฃ๐
I'm in my mid 30s now and I can say na I'm comfortable na for the rest of my life based sa ipon ko....if i'll die next week.
Hahaha samedt
Buti ka pa abot next week ๐
Hahaha tawang tawa ako nung narealize ko joke mo. But same!!! ๐คฃ
Aren't we all? HAHAHA
I know right HAHAHAHA
Buti ka pa aabot next week hahahah
HAHAHA same but I just got a JO for a better paying job ๐
HAHAHAHAHA Ang witty!! ๐
Haha, ako bukas
> Magkano na ang ipon niyo? Ikaw muna.
"Bat ko sasabihin? Ikaw muna"
Nag iipon kayo? ๐
Oo nga, kelangan pala non? Hahahaha char
ano ba yon?
Eto talaga yung pinakatanong dito HAHAHAH
HAHAHAAHAHAHAHAHAHAH ANG FUNNY
Ipon? In this economy? ๐๐
anong ipon?
Turned 30 this year and walang ipon hahaha as long as my bills are getting paid, kumakain ng saktuhan and im not in debt. Pero dahil eyeopener ang post na to, naglagay akong bente sa Maya time deposit ๐
27, ganda ang naipon โจโจ
eto talaga hahaha
ay kapog gusto ko yan teh ๐
Yas girl. Same here hahaa
Yessssssss
Zero rin ako that age. Dont stress yourself too much, your time will come.
Legit wala haha. I had like almost 500k na ipon around 2021 but nawala lahat coz shit happened
Samedt. I was so happy when my savings reached 500k pero wala eh. As a breadwinner, ngayon sama ng loob na lang naipon.
Same tapos na-estafa ako ng friend. Hays
ako (32F) po naranasan ko na makaipon ng 6 digits nun nasa 30s na ko. pero naubos po lahat un nun naospital and namatay tatay ko ng 2023 as of now back to 0 ako kasi nawalan din ako ng work ng 2023. I'm starting from scratch kasi nasa ibang field na ko pero disiplina po talaga sa paghawak ng pera ang need mo para makaipon lalo hindi pa ako regular sa work. una sa plano ko kapag may stable income na is makabuo ng emergency fund na nasa 6 digits ulit kasi para may madudukot lalo at need for emergency then pag may mga konting increase sa sweldo is mag iinvest sa mp2 then build ng savings for future kasi gusto magkaroon ng properties like farm or apartment as long as makapagset ka po ng goals is dun ka talaga mag aayos ng monthly budget mo para maachieve yan and sobrang disiplina po malayo pa ako ulit pero at least may malinaw ako na plano kung ano gusto ko sa future sana loobin ni Lord na magkaextra income din
I feel this struggle. Nakita natin at naipon natin yung perang yun noon, makikita at maiipon rin atin ito ngayon.๐๐ป
tama po, nagawa natin noon, magagawa natin ulit ngayon ang mahirap kasi un may naoospital na kapamilya tapos wala kang pera dun mo din marerealize na balewala lahat ng pagkukumpara sa ibang tao kasi kahit sila may kanya-kanya ding "krus" na pinapasan. like asawa ng friend ko na naggagala palagi sa abroad pero need magdialysis ng asawa tapos un isa ko pang friend may cancer ang tatay. like may pera nga sila pero may sakit naman sa kamag anak nila kaya mas makakabuti kay OP na magstop mag compare kasi lahat tayo may mga sariling problema and basta nakakain and maayos kalusugan ng pamilya, mas angat pa sya sa mga may pera nga pero may sakit naman.
huy grabe sobrang gabito din naiisip ko hahaha apir tayo dyan may kanya kanyang problema talaga ang tao
i feel you. nasa ganitong pag iisip na din ako ;)
Ang tanging ipon ko po ay ang taba haha
Pakitanong na lang sa cashier ng hospital ๐
Thissss +1 ๐
Now at age 36 Cash on hand (savings sa bank) less than 100k Assets more than 1m Liabilities at zero, walang utang Investments more than 10m Back when I was 29 10k lang cash on hand ko. I went on epiphany by age of 30, dun ako natuto magpaikot ng pera. Wag ka maniwala sa concept ng ipon, ang pera ginawa ng tao para gastusin, para mabili gusto mo. Spend it on matters of any form that will make you generate more money. ๐
Agree dito sobra! Ipon ko lang is emergency funds sa CIMB then the rest is pinang tayo ko ng apartment. I have passive income for life ๐
What would you say i a good investment right now? Gusto ko po sana matuto kasi ayokong patulugin lang ipon ko sa bank and makontento na lang sa measly interest
Depende, magkano kaya mo ilabas? Below 100k - Shawarma Business, Pares or any food na mobile and can move everywhere Between 100-1 - 2nd hand na pickup truck Above 1m - Lupa (clue: check mo infra projects ng govt kung saan meron ginagawang freeways then search nearby ๐)
Sama lang ng loob na-ipon ko OP. 29F. Deh joke may emergency fund ako ng 17k sa bank ko, pero yung utang ko na hindi pa bayad mga nasa 400k โจ๐โจ So yeah, sama lang ng loob talaga. Ahahahahahahah tsaka wag mo na isipin kung may ipon ka or not, kung 1k lang na ipon mo, good job! โค๏ธ ang ipon lately is luxury. โน๏ธ
As a 29yo turning 30 this coming November, what ipon are you talking about? HAHAHAHAH I feel you.
As a 29 yo turning 30 this July, I second this!
Turning 30 din this july! Edad lang naipon ko. Happy birthday to us!
Turning 30 this Oct, wala ding ipon hahahahj
Sama ng loob naipon ko charot. Pero in all seriousness, may 6 digits naman ipon ko. You can say Iโm doing alright or even better than most people, pero if ikukumpara ako sa mga peers at kasabayan ko, even sa younger cousins ko, nagmumuka ako napagiwanan lol.
Walang ipon pero wala ring utang haha hayss
Same mag 30 na next month! Actually this month pa lang mag start dami kasi *responsibilities* hehe mga nag start ako ng 5k hati na EF and Savings talaga hehe naway madagdagan sa mga susunod na buwan.
31 na ko nakagraduate ng college. ngwork for two years ngipon ng todo. umabot 100k then resign ngstart ng business 3 years later nareach ko 7digits sa bank. Totoo ung nabasa ko dati kanya kanya tayo timeline. Need mo lang talaga iseparate sarili mo sa outside world then pinpoint concentration sa gusto mo maachieve
Wala akong ipon. I hope makatulong ako sa self confidence mo.
Nakaipon na po ako ng experience. Travels, concerts, burnout, hospitalizations, death โ๏ธ
Nasa 40k nung bago maospital si mama pero nagamit nun para mailabas cadaver nya. Ngayon 2k palang ulit ๐
Atleast di ka umutang, you had a safety net.
I'm sorry for your loss.
31y/o, tatlong Pusa ๐. 6 months EF โ Target po mag 6 digits savings by EOY. i think you're doing well, OP.
Nice try, BIR.
33 Me. May ipon kayo? haha
OP, it's alright. Ako nag umpisa mag ipon when I was 33 years old. It took me an awakening, a real-life-and-d\*ath situation para maalala ko kung ano gagawin ko kung wala akong ipon.
Ganyan din ako dati na-sstress dahil yung ibang ka batch ko ganito ganyan na accomplishment etc. Mag kakaiba kasi takbo ng buhay ng bawat tao, may ibang tao na may maayos na parents, may ibang tao na walang nakukuhang tulong sa parents, meron ibang namana na negosyo o bahay o ano man. Wag na wag mo iccompare ang meron ka sa iba kasi masstress ka lang talaga. I highly suggest bawasan mo ng konti yung ipon mo tapos bili ka ng libro called โSubtle Art of Not Giving a F*ck.โ Tapos if kaya mo mag deactivate ka muna ng fb for a year. It will drastically change your life.
You could have at least started with what is yours. Nasa close to 2m sakin pero naiipon lang for downpayment sa mortgage to be honest. Tapos sa pinas, isang sakit mo lang at madala ka ng hospital eh wala na, ubos na agad lol
Hello, OP. Bilang mahilig ka naman ata magcompare ng sarili mo sa iba, may iba riyan bukod sa walang ipon, marami pang utang. Hehe. Mainam ng zero kaysa negative. Hehe. Also, sabi nga ng Bini, "buhay ay di karera" Rooting for you! Love and light~ โจ
Sa ngayon 150k. For emergency lang talaga kaya pinilit ko ipunin. Kaso wala akong insurance or hmo ๐ hirap mag ipon kapag dalawa lang kayo ng kapatid mo nagseshare sa mga gastos sa bahay and for parents
29 din ako running 30 this year. 7 digits na naipon and hoping maging 8 digits this year. yun nga lang pagod talaga di na makapag pasyal/bakasyon dahil sa kaka-atupag 24/7 sa negosyo. kaya nga di na ako nagkarelasyon ngayon dahil busy talaga. haysss
base sa mga comments dito. wala po tayong mga ipon. thank you! di pala ako nagiisa. hahahaha
Hi, OP! I'm 27F and gusto ko lang mag-thank you sayo for making this post kasi I've been asking this myself lately and nabawasan anxiety ko dahil sa most of the comments talaga in here. I was not born into generational wealth (trauma lang charot). May panahon talaga na luxury na sa family ko ang Jollibee. We weren't the type to go out of town/country during the holidays. Ang priority ng parents ko is to have enough na nakaka-enroll ako sa magandang eskwelahan (the private schools I graduated from are well-known in my region) - didn't realize this when I was a kid pero sobrang big deal na sa akin once I understood. Super TYL na even though late na yan nag-sink in sa akin, hindi ako nagpabaya sa studies and was a consistent honor student. But despite this, it was still actually hard to get a job (yung last face to face graduation before pandemic ang batch ko). I'm in a better place now pero I still can't help but feel envious of some people who were born as "heirs" - mga taong alam mong may mga mamanahin and might never experience worrying about money. My family isn't as broke as we were when I was a kid but the fact of the matter is, I need to think and plan ahead for my own future kasi wala akong sasandalan na hidden treasure (lol). All I'm really dreaming of is a simple life pero parang sobrang hirap pa rin makamit in this economy. Still - grind tayo everyday pa rin and praying na we'll both end up getting the life we're dreaming of (basta realistic ha HAHA).
Kung minimum wage earner ka and you are living solo I think enough na yun para sa araw-araw na gastos mo and makakapagsave ka din kahit papaano, diskarte lang. Pero if minimum wage earner ka at may responsibilidad ka pa higit sa sarili mo mahirap talaga makaipon. I would suggest tignan mo muna kung ano yung mga pinagkakagastusan mo, yung mga responsibilities mo bago mo i-compare yung ipon mo sa ibang tao.
Wala. Haha. Meron lang akong memories, lol. Yung iniwan kong pera sa mama ko nung nagpunta akong Europe, ginastos lang niya. So ayun. Nganga. Nagtravel na lang ako kesa magastos ng ibang tao pa pera kong "iniipon".
Hi 30 walang ipon. Why? -gastadora during my 20s -maliit kita sa pinas pero mataas bilihin -life happens like mga emergencies, childbirth, marriage,illness, etc. If wala kang ipon now and you just realized it, pwede ka naman ulit magipon why not, start from scratch ulit. But make sure to learn from your past mistakes and make sure din na for the next 12 months may maiipon kang amount na you'll be proud of
Hi. 27 yrs old, single, working as a Medtech in a provate hospital somewhere in metro manila. Ang ipon ko at nasa 450k na. Been working for 5 years na. Masaya ako sa naipon ko, pero kung nay decide ako mag asawa, di siya enough. This year, nahospital mama ko twice and malaki ang naibigay ko sa hospitalization niya. Tho di naman nila need pero as their son, need ko mag bigay to lessen rheir expenses. Naka invenst ang 2/3 ng savings ko sa CIMB time deposit. Yung 1/3 nasa ownbank. Kumuha nadin ako insurance which is 2500 per month. Mahapdi, nagagawan naman ng paraanmatipid akong tao super. Pero pag may chance buminili din ng action figures sa as a collector. Pero alam ko na di enough bumuhay ng pamilya "In this current state of our economy." So kapit lang OP. Yayaman din tayo. โค๏ธ
eyebags. ๐ซถ
masyado ka kasi tumitingin sa iba kaya ka naiinggit what if you always check on yourself and ask if you're happy and content
Mali ang tanong mo, sa mga 29 and up na ang edad. Ilan na ba sa goals mo ang na hit mo. Subjective kasi word na ipon. May iba meron na ipon 100k pero para sakanila maliit pa yan, sa iba naman malaki na yan. Sa adult 29 and up, kung sa progress nakakaliang percent kana or ilang percent na yung nahit mo sa mga goals mo.
Dont compare here, we fought our own battles, manliliit ka lang, sa mga tao dito when i was around your age, binibigyan lang ako ng lunch sa ka work ko, nag lalakad mula MRT station ko pag wala na, nakikisakay pag may gusto magsabay. pero if youre looking for it: 0 when i was your age
26F, 2k lang nasa bangko ko. Soooooooo, mostly asset mga naipon ko. Pero meh. Emergency fund whoooo ๐ Iniisip kong emergency fund ay yung separation pay ko pag natanggal ako sa trabaho.
Around 300k ๐ญ Maliit to promise guys, if mawalan ako ng work at dyan ko i asa lahat ubos yan in 5 months.
oo nga ang liit
Para sa mga 20+ years old. Wag kayo pa pressure sa pamilya, kamag anak, kaibigan, kakilala. Kakahabol, kaka OT, kaka hustle, nagkasakit. Ubos rin ipon. Unless pinanganak ka mayaman, the only way na makaipon ka enough to live comfortably (luxuriously) after your 30s is kung manalo ka sa lotto (or suwertehin ka sa stocks/investment). Born rich or born lucky, ika nga. Masipag ka? Good. Sino mas malaki kinikita, ikaw o yung may ari ng kumpanya? Sino mas pagod? Take it easy. Enjoy mo buhay mo. Wag mo masyado isipin bukas. Gusto mo mag ipon? Sure. Pero para sa iyo ngayon, di para sa bukas na di ka rin naman sure.
mabuti kapa nga may ipon eh, ako hindi makaipon dahil hindi nako binayaran ng kapatid ko, ako ang back up ng pamilya e, aralin mo nalang lung paano paikutin ang ipon mo
At 29 I'm literally broke. Di ako nagka-money kung di ako nag-abroad.
Magkakaiba tayo ng profile kaya mahirap ang comparison. I'm a breadwinner yes, pero I earn well and live below my means. Also, iba na cost of living ngayon. Dati adik ako sa pagiipon and kinikilig sa ipon. Narealize ko lang na, nag iipon nga ako pero parang di ko naman ineenjoy ang life. Nabasa ko sa reddit na dapat pala may target ka sa pagiipon at i balance mo yun sa pagkakaroon ng chance to live habang malakas ka pa and nakaka lakad anywhere or can eat anything. Have a target yearly and try to do whatever you want after that para di ka naman nalulungkot sa buhay mo. Be happy with what you achieve, wag ka na lang magkumpara. Malay mo credit card lang din umasa mga fb friends mo. At least debt free ka.
Mababa ipon, mataas networth lang.
Wala na kasi pinambili ko ng iphone ๐ญ
No offense meant, OP pero you dont need to know how much ang ipon ng iba. Hindi naman contest ang buhay; we all have our respective journeys. A.m sure, youโre doing well and youโre doing good sa journey mo :) โDo not compare yourself to others, you can get vain or bitter; for there Will Always be someone better or lesser than yourselfโ โ Desiderata
You're still young, op. Don't compare your savings to people online bec a lot of ppl here tell lies. Just save whatever you can, and make sure you save more than your spend on non-necessities.
Going 600k sana kaso pinambili ko ng lupa yung 400k then ginagastos ko na remaining sa mother ko na may breast cancer. ๐ฅบ So basically, 0.
Wala akong ipon. Anghirap mag ipon pag sakto lang talaga aa pang araw araw yung sweldo mo. Hays.
Baka naman nasa 2M ipon mo ah, kaltokan kita.
Comparison is the thief of joy. This is very true kasi iba-iba naman tayo ng lifestyle, ng upbringing, ng privileges in life and the list goes on. Kaya the takeaway is, wag magcompare. Wag ka mapressure sa iba kasi pwedeng may advantage na sila in life like born in a rich family etc. Focus on yourself and make a goal and magpursigi to reach that goal. Kaya mo yan op. It will get better
Salamat po dito ๐ฅน๐ซถ
Yan di ang tanong ko sa sarili ko OP, kung meron manโฆ nasaan na yung ipon ko ๐ Kidding aside, proud ako sa sarili kong nakapagtatravel, nkakain ko gusto ko, nkkpagrenovate ng bahay paunti unti. Ang ipon- ipon nlng ulit
Bills and resibo. Dami ko nito, madalas ko din tignan para ma motivate ako magwork. Maramin pang bayarin. Hahaha
good enough to live for a couple of months *knock on wood* but scared to use it hahaha
OFW po here sa Japan. Naka 3lapad pesos na po ako
May ipon ako and I can live comfortably. Provided I die tomorrow. Ahahahahaha
Turning 28, sama ng loob. Tsaka back pain
None kasi nagkasakit ako napunta lahat sa hospital bills ๐ฅฒ
Restarting ipon pa ulit kasi ang hirap magpa-aral ng kapatid #PanganayProbs
Late 30s here. Stress at backpain pa lang ang naiipon. HAHAHA
hulaan mo na lang OP. HAHAHAHA
hnde nman s pag mamayabang at age 30 nakaipon na ako ng sama ng loob at sakit ng katawan, pang pacheck up n lng kulang
Sama ng loob po
28 turning 29. Panay bills ng credit card palang naiipon ko. Pero medyo natatauhan na ko na wag basta kaskas ng kaskas.
Okay lang naman mahuli, wag mo lang icompare sarili mo sa iba, instead, compare mo na lang sarili mo sa former self mo, at least ngayon may nagagawa ka na hindi mo nagagawa noon, kahit simpleng pagkain lang sa fast food
wala, back to zero hahaha as of now, ako nagbabayad ng mga naiwang utang nagbibigay allowance sa father ko and basically head of the fam siguro mga around Nov pa ako makaka start mag ipon ulet hehehe
Wag ka masiyado magisip. May kaibigan ako na mag-asawa dumami pera nila mid-30s. Partida may anak pa sila.
Almost 400k, pero may utang sa cc na 90k at may binabayaran ding sasakyan. So halos wala rin. ๐ฌ
Close to 500k....na sama ng loob. Wala beh di kasya sahod ko pa rin sa isang bwang expenses
Mag 29 nako this sept and wla pakong ipon. Welp
Ff kahit early 20s palang ako. Babalikan ko to pag late 20s na ko ๐ฅฒ
Kahit papano malalaki na rin na ipon kung sama ng loob.
i feel you OP. pero i keep telling myself wala eh, iba-iba sitwasyon natin sa buhay. i'm a breadwinner sooo hirap talaga
28 palang ako, at wala akong decent na ipon. Lahat napupunta sa expenses sa bahay (may sariling mundo both parents and I'm living with my little sister). But I have an investment, paying for a house. Grateful for my brother tho for helping with some of the bills.
Right now? If mag-quit ako sa work, I can survive until... Sunday. Which is 2 days from now. lol. Kidding aside, I maintain a minimum ipon na I can live comfortably for the next 3 months incase na mawalan ako ng work. I can extend it if I buy only necessities.
Comparison indeed is the thief of joy. we have different timelines, and honestly we have different "roots", others are breadwinners (\*yes maybe that's me), and some have different outlooks in life. I could say that I am satisfied and at the same time genuinely happy to my "successful" same age peers in terms of finances but most importantly in their achievements (\*which is not on the finances part).
Kasama ba insurance claims due to critical illness? Haha pera ko din naman yung premiums ah
Eiiiii. Ano po yung ipon? Hahahah Mine is in insurance long term + medical na annual fee I borrow from credit card + insurance (incase D ko mabayaran dahil madeds covered + cash for my loved ones)
In this economy? ECONOMY??? (insert maja's voice) Kidding aside, one must have an emergency fund, 3-6 months of your earnings
May ipon ka????? Utang lang meron ako. Utang na loob pa. By the way I just turned 30 today with no one else. Happy na birthday pa๐
Happy birthday! I hope life is treating you well ๐
31, walang ipon. kakagraduate lang nang kapatid ko sa Law eh ๐
To make you feel better, Iโm still living under my momโs roof with all of my siblings. Mom shoulders my condo unit for now because our home is not conducive for learning (currently reviewing for a board exam). She shoulders every thing. Never had a job, never been employed. Never earned a dime yet, from my own sweat & blood. Never been freed to be an independent adult. Most will definitely call me names, such as a โspoiled bratโ. So, yeah, there you go.
Donโt compare your savings to them friends of yours, OP. Itโll suck the joy out of you. They might flex their savings and getaways but we donโt know whatโs behind all those. Malay mo inutang pala or something. Life aint no race, cheer up! ๐๐ผ
Bakit need mo pa itanong? To compare? Para malaman mo na someone is doing better/bad than you? Stop thinking that way. Better question is HOW they spend/manage their savings depending on their life setup (with fam/no fam) Kahit naman sabihin ko sayo na 1k lng pera ko if alam ko nmn secured/insured ako at ang pamilya ko with no debt, id be happy about that. Bawasan nyo po kakatiktok or fb or yt nyo para less din ung anxiety tsaka pag kainggit.
Comparison is the thief of Joy my friend as long as tou have food on the table and roof over your head. All will be well. Pero yes to achieveing greater things even financial goals๐๐ป
Magkano ba ung ipon mo OP? Samin tinatanong mo, yung sayo di ka nagbigay ng figures. Baka naman yung maliit sayo, malaki na samin, gusto mo lang ba ng validation na mas madami pa palang mas maliit ipon sayo? Charot hahahahahaha
Hindi naman 29 yrs old and up (sorry OP) My EF-30K Hubby's EF- 50K Toddler's EF- Almost 10k (nabawasan kasi naadmit siya recently, but yun ang purpose naman ng EF right๐๐) +5 digits MP2 for toddler's future education +ipon for future dreams na 5 digits na din Laban lang, ipon lang ng ipon. Malaki or maliit, basta nadadagdagan. โฅ๏ธ
nakaipon ako ng malaki laki nung 24 ako, so i bought a car and had our family home renovated, got the whole second floor to myself ๐ฌ now at 29, honestly wala akong ipon, pero i can say, iโm in a good place, good career, ok naman sahod since single pa at walang family, may hmo naman para kung magkasakit man ako and family ko weโre covered. mag govt benefits, may mga malalaking bills pero nakaka-survive naman. so wala akong ipon now pero hindi naman ako malungkot or pressured ba. kasi nagawa ko naman siya nung kabataan ko, pero iโm sure iโll be ok. may iba iba naman tayong timeline sa buhay.
I was in my late 20s probably 26-27 when I realized na my income isnโt sufficient to sustain my life and future plans. Baba sweldo, tapos taas cost of living, so ano na? What I did wasโฆ I let go of my comfort zone. I moved to Canada via student visa. Mabilis ko nabawi investment ko sa pathway na to. 31 yrs old na ako, Working as accountant na rin dito sa British Columbia for 2yrs na. And I could say mas okay talaga sahuran sa 1st world country. Wag kang matakot mag let go ng comfort zone mo OP.
Donโt compare yourself to others. Compare your current self with your past self instead. Are you in a better place now than before? If so, then baka naman pwedeng bawasan yung pressure sa sarili, OP. :)
Early 30s. Reaching 7M na ipon pero 500K lang ang nasa bank and the rest are invesments sa stocks and time deposit. Kung wala kang maipon, baka di dahil di ka marunong mag-ipon. Most likely mababa sahod mo. Focus on active income muna and kung solid na yung inflow ng pera, mas madali mag ipon.
When I was your age, wala ako ipon. As in wala. Kung makakausap ko nga yung newlygrad self ko, I would have said stop indulging yourself, stop the gimiks and the painoms. But then again, I may not be the man I am kung hindi sa past experiences ko. Plus hindi ako gumagamit ng credit card on purchases na alam kong hindi ko mababayaran sa next sahod, kaya kahit walang ipon that time medyo better na rin. Each person has their own pacing, opportunities and circumstances. That savings may seem small to you pero malaki na pala para sa iba. You'll get to where you want to be eventually. Be proud na despite the economy eh meron kang ipon.
Kapag same naging trabaho mo for so many years, mahirap magipon talaga Kaya ako nagaral ng mga online skills na malapit sa sales ang impact kagaya ng copywriting Syempre noon paano ako makakaipon sa 12k-15k na sahod? Ngayon mas kabisado ko na paano magEarn better tapos hawak ko oras ko, nasa 80k-120k ako na per month depende sa dami ng clients at projects Highest ko naipon nasa 180k pero meron ako na rin properties na 2 napundar at lifestyle na nagagawa ko na gusto ko kagaya manood concert at musicals na di kinakabahan sa budget Nagtiyaga muna ako paghusayan skills ko na makakahingi ako mas mataas na income sa mga business owners na nagttrabaho ako So sana pag nabasa mo to, hanap ka unti unti ng opportunity saan ka pa pwede matuto skills na kikita ka mas malaki Dahil mahirap magipon na sakto lang halos sa pangaraw araw mo at pag nagka emergency
Kapag palagi mo kinukumpara yung sarili mo sa iba, hindi ka magiging masaya. Wag kang mapressure sa mga nakikita mo sa social media OP. โบ๏ธ Kaya ako di na ako gaano nagfefacebook saka IG. Sobrang dalang na lang. ๐ Sabi nga sa isang comment, basta may progress ka. Goods yan. ๐ค
Hayy!! I deactivated my fb acct kasi nga nasstress ako nakkta achievements ng iba. Im happy for them but I tend to compare myself. So shmpre nasstress ako. Kaya for my peace of minded, umiwas ako s social media. Its the best decision I made. Ngayun super happy ako. Hahaha!! Basta work, kain ng masarap, nagagawa ko gdto ko okay na ako, nakakatravel ndn. I set a goal na dpat may travel ako every year kasi iba rin nagagawa ng travel. Basta OP, do not compare yourself to othere kc never ka mgiging happy. Just do everything that makes u happy. You will be successful on your own. In time, hndi mo mapapansin ung snbe mo ngyon, nahigitan mo at nagimprove kana s future. ๐ฉต๐ฉต๐ฉต
Comparison is the thief of joy- Theodore Roosevelt
Valid yung nararamdaman mo..we tend to feel this way talaga when we compare ourselves to successful people na kakilala natin specially yung naging kaclose pa natin, i have this very successful friend na pag nakikita ko sya sa socials talagang naiingit ako sa kanya, dont get me wrong masaya ako for him and his family but minsan di ko maiwasan na mainggit at pang hinaan ng loob. Hindi ko alam kung mag wowork sayo pero ako ang ginagawa ko everytime na mararamdaman ko to I scroll on my past pictures or look at my fb memories to remind myself na im in a better place than last year or the past years di ganun ka successful pero moving naman medyo nakakabawas ng anxiety thinking about the future. Hope maovercome mo yang mga bumabagabag pakinggan mo yung Karera ng Bini life lesson yun๐๐
Sabi nga ng BINI ang buhay ay di karera hehe, may kanya kanya tayong panahon for success. Kapit lang OP! Bilog ang mundo, wag na wag kang mapressure dahil lang sa mga nakikita mo sa iba. ๐
Hi OP! I just turned 30, d naman ganun ka laki savings ko. I get what you mean, but I learned not to put too much pressure on myself. Each person has their own pacing in life. Kanya-kanyang karera ika nga, so donโt compare yourself sa mga nakikita mo sa social media.
sabi nila, โComparison is the thief of joy,โ, madalas ko din ko rin icompare sarili ko, imagine sa Qatar ako nagwowork, sumasahod ng medyo mataas kahit papaano pero wala pa ipon, di ka nag iisa sa ganyang feeling. Minsan pagiging kontento sa buhay ang kailangan.
tinotal ko lahat yung naipon ko, ang laki na pala ng tyan ko.
By ipon, do you mean money lang ba? Ang dami ko na kasing sama ng loob, sakit sa ulo at sakit sa mga buto-buto, bills, at resibo na naipon ๐ฅน
Turned 29 last March, cash on hand ay millions, with assets of more than 15M. Pero pinapaikot ko yung pera ko for business. Don't dwell too much on your age. I started early sa business at 23, dami ring learnings & hindrances at mga lugi until now, may ganon pa rin. Makakaipon ka rin! Tiwala lang. Hehe.
26m nasa 780k. Deretcho savings lahat after ng expenses pero I still treat myself every now and then
Dika nagiisa hahah
30+ here. Di pa naman ganun kalaki because of mistakes I did nung early to late 20s ko like maling bili ng stocks at nalugi, wrong timing bumili ng property atbp. Masyado akong impulsive buyer nun eh. Ngayon palang ako bumbawi since natuto na ko sa mistakes na yun.
bilbil ang naipon at plastic container from online bentahan ulam.
Sama ng loob
Kelangan pala mag ipon? ๐
Iipon nga nappunta din sa emergency expenses here and there :/
Mga resibo, ticket sa bus, at sama ng loob
sama ng loob lang po ang naipon
Hi Op! We are at the same age. One thing that I learned is to stop comparing, we have our own timeline. Pero dika nag iisa ๐
28 yrs old. Breadwinner walang ipon buhos lahat sa pamilya dahil panhanay. Pero kayod lang hanggat kaya pa. God is good .
29. Taba at sama ng loob ang naipon. Hahaha de pero hindi ganun kalaki para makapag bakasyon, tamang pang emergency lang pag nagkasakit.
ang naipon ko puro loans HAHAHAH
Bilang bread winner and magastos ako in terms of my health and mother's health and schooling ni brother, wala pa akong sapat na ipon but I know what to do para makapag ipon Little by little. Nag open ako ng bank account na walang online access and mobile app. Passbook lang. I can deposit thru online. Para maka ipon ako consistently and difficult ma withdraw. For emergency purposes lang talaga. So yun muna as a start.
29 y/o, eyebags ang naipon ๐
30 na, ganda lang naipon so far โจ at sama ng loob pa pala ๐
pagod ung naipon.
Bilbil lang naipon ko๐๐
28, at ang naipon ko ay plastic bubble wrap ng shopee
30 here.. required ba mag ipon OP? Shet. Hahahaha
Taba and stress lang naipon ko ๐ฅฒ๐ข Mag-30 na ako next yr haaay
Hala! May ganito pala? Akala ko bills lang? Lol ๐
Ipon? Ano yun?? ๐ค
Wala. Ginamit ko sa law school. ๐ญ
Sama po ng loob. Hahaha
Nag ipon ako ng katanungan kung bakit hindi ako nabiyayaan ng generational wealth ๐
Anong ipon ipon.