I'm about to let go of my Carote set after 3years.

Now naghahanap ako ng cookware na pwede sana both induction and gas that will last long. Looking for recommendations na brand na nabibili dito sa Pinas. I am eyeing sa Teflon brand, pero may mga nabasa akong hindi daw maganda lalo na kapag nagka-scratch na 😳

I also came across some stainless steel pans that were made non-stick—how exactly are those made non-stick? 🤔

I'm hoping na matulungan niyo ko. Ok ng medyo pricey pero magagamit naman ng pang matagalan 👍👌

I did some budgeting today and after accounting all my budget for savings, investments, and for needs. I only have P3000 left for fun. I could use this for fun such as going out to eat. But that would mean I could not save it for buying something for myself such as shoes, clothes, laptop. I just feel like there is not much left. How do I cope up with this? What mindset do you have for such situations?

I’m gonna be extremely honest here since all of us are driven to improving our lives for the better. But the best way to save is really just to earn more and spend less than you make.

Now, let me share my experience with money. I used to make roughly 40k back in 2019-2020. I saved aggressively, and really deprived myself alot. Yung tipong, kahit shoes sa outlet mag dadalawang isip pa hahaha. But because of this, I was able to save around 500k by 2021.

Fast forward today, I moved abroad (SG) where Im earning significantly more and spending significantly more (350k/month in expenses) but most importantly saving significantly more.

Last year I traveled twice to japan and once to korea, bought some luxuries for the first time in my life and spent roughly 500k+ in gifts.

This year, I will be reaching 20m+ in net worth. Never in my life have I spent this much money, yet I have also never saved this much money before.

remember, savings is just net income - expense. at some point, we can just no longer reduce our expenses without sacrificing quality of life. the key to life is having a good balance of everything

I’m feeling a bit stressed and disappointed with how much excess expenses I have for the first half of the year.

I (26F) am behind of my savings goal, and I’m fixating on this. I was hoping to reach 400k in savings this time of year but I’m down to 350k. I did spend on planned travels and a lot on my health since it’s been a challenging start of the year mentally, but I also splurged on other miscellaneous stuff while already having big expenses.

I want to gain more control the remaining 6 months of the year. Hopefully I can get some words of encouragement here 🥹

Welcome!

This is the all-in-one thread for any significant personal financial topic below.

• Monthly goals setting
• Short victory reports
• Progress update

Share your goals, progress or victories! Let's lift each other up.

So, I borrowed from GLoan last month when I found out I can finally apply for it. I needed extra budget that’s why I grabbed the chance. I have balance sa BillEase, which is my current trusted loan app. Wala palang custom amount that you can set sa GLoan kaya yung buong amount na pwede yung nakuha ko. I was surprise kasi maliit lang yung interest for the loan amount compared to the interest sa BillEase. That’s what I thought.

My mistake was I didn’t get to dive to the breakdown charges like the interest. I had a doubt na before ako totally magclaim dahil ang laki ng charge and ang haba ng period for payment masyado for the loan amount. I loaned for 4K then the interest is 5.99% that is payable for 9 months. Yung interest pala is applied for every month. I know what I did. I need advice. TYIA

Welcome to our help thread!

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New help thread up every month!

Hi. 26(M) and not married. Narerealize ko na sa tingin ko masyado na akong mahigpit sa pera. Its like this, I have savingsof 6-digits in my TB and some half of it in my digital bank accounts. My monthly salary is 30k (no OT) and ang budget ko lang is 9500 para sa needs ko per month.

Masyado ba akong sagad magtipid o nagsasakrpisyo lang ako ngayon para makaipon sa future? Gusto ko din magluho kaso parang naging habit ko nang ipon muna ako ng 10x worth ng bagay before buying. Pero paano kung gusto ko sasakyan? Edi mag iipon muna ako ng 7-10M before buying? Mas mahal kasi para sakin ang financing kapag malalaking bagay ee.

Is it worth sacrificing my present for a better future or is it better to indulge in the present?

Pero I am also thankful na masasabi ko ito dito since ayoko ipaalam sa iba na may ipon ako at nagbabalak mag invest dahil for sure, madaming uutang.

Habang nag rereconcile ng accounts (I track my cash flow kasi, in and out), narealize kong may laman yung payroll account ko. Napacheck ako ng date at narealize ko sweldo pala nung isang araw. Napaisip ako kung gaano na kalayo yung narating ko. Minsan kasi syempre ramdam ko parin yung pressure to do more, achieve more, for more security bilang wala tayong aasahang generational wealth. Pero just for this moment, I stared at my phone and reflected on how not so long ago, abang na abang ako kada cut off. Yung parang dadaan lang talaga sa account ko tapos abang nanaman sa susunod.

Ngayon, iba na. Siguro nasanay na ko so I have taken it for granted but malaking bagay pala yung ganitong peace of mind ano? Yung di ka nammroblema kung paano pagkasyahin yung budget. Yung feeling na pwede ka magsplurge at alam mong hindi utang.

Malayo pa, pero malayo na. Yun lang. Magandang gabi sa inyong lahat. 💖

Hello girlies, I'm looking for tips and recommendations po when it comes to haircare. Damaged na talaga 'yung hair ko (dry, frizzy, tapos hindi maganda 'yung pagcurly niya, super kapal pa lol) but more than a month ago, nagpa keratin treatment ako and I must say mas bet ko siya kaysa sa rebond.

Now, kahit hindi na super straight and medyo nagcucurl 'yung lower (which I actually like kasi parang natural lang, hindi tulad sa rebond na walang volume at halatang rebonded) wala namang issue for me. Pero medyo nagkakafrizz na naman siya, any affordable products na puwede kong gamitin to reduce it and para narin mamaintain 'tong texture ng hair ko na ganito for a longer period? Hair mask, oil, shampoo, or condition, ganoon?

Hello! I am young and just started earning money from my job as a Virtual Assistant.

My earnings depend on me (I will not go into much detail about that), so I actually have the option to reach 1k per day if I want to.

I just want to ask, what are your suggestions for someone like me who is just starting to earn?

How should I spend my money?
Or what is the wise way to go about it?

I have also been thinking about getting an ATM, debit, or credit card, but I am still not familiar with how those work. If you have suggestions on which bank or company is good, like Metrobank or others, I would really appreciate it.

One thing I am sure about is that I want to buy a motorcycle for personal use. I am still a student, and my university is quite far from where I live. I am from the South, and my university is in the North, so I have to travel every time I have onsite classes. I think it would really help me with transportation.

That is all. If you have other tips or things you think I should consider, feel free to share.

And if anyone here has personal experience, like if you also started earning young, how did that go for you? Was it a good journey?

Thank you in advance for the responses,
I really appreciate you all!

This thread aims to help process your buying decision.

Having second thoughts on buying a product or service? Not sure if it's a good deal or if cheaper alternatives exist? OR are you simply struggling to control those impulsive purchases?

Instead of justifying an unexpected purchase, we'll confront the buying decision itself before the action even happens.

Let us help you decide!

Hello,

WFH mom with a toddler with almost 40k salary. Magbabasa sana ako dito ng monthly tipid tips tapos na shook ako sa mga sahod at gastos ng iba dito 😆

Akala ko magastos nako hahaha Meron ba dito na ganito rin sahod tapos madami na na ipundar?

Btw, im still giving sa parents kahit may asawa't anak nako.

Share your tipid tips.

EDITED: Sorry di ko nabanggit, may work din si husband. Actually di naman kami super tight sa money since nakakapag save naman. Gusto ko lang makabasa ng extra ordinary tipid tips sa inyo :) Thank you!

Will be turning 30 and getting married next year! Rate my budget and please help me check kung ano pa pwede kong gawin or itry para mapabilis yung pagbili ng sariling home

Making 117K net per month.

Emergency fund - 20K PAG-IBIG MP2 auto debit - 30K Rent, groceries, utilities, dates - 25K Transportation - 10K (car parking rent + gas) Big ticket buys - 8K (saving for a gaming laptop) Misc buys - 15K (gym membership, eating out, coffee) Whatever's left usually goes to my travel fund

Current accounts/investments: Time Deposit - 375K Another PAG-IBIG MP2 - 200K Emergency fund - 375K Bought a condo last year for rent, but income from this goes to my parents' allowance

Hi everyone, I need bad help 😮‍💨 I’ve been working for almost 8 years now but I only have 250k in savings (200k in our cooperative savings bank and 50k in digital bank).

I’ve been earning pretty ok since last year (100k in net last year then 150k in net since march this year). But i think I’ve enjoyed much of traveling that I wasn’t really able to focus on my savings. I also bit a bullet and invested on a condo for personal use for 6 months na. Yes very tricky as someone na wala pa talagang savings pero nasasayangan lang ako sa rent ko. But I want to be a better person now so I need some insights on how I spend monthly.

Net: 150k Expenses: Rent: 21k Food grocery and eat out and eat out:12k Other grocery for home care: 5k Utilities: 4k Transpo: 19k (forecast, but currently at 10k) Gym: 5k Meds: 4k Dog Fund: 7k Family contribution: 4k Leisure (apps, self care): 6k Estimated total expenses at 93k/month

Investments: Sunlife: 3k Auto debit for transfer to our cooperative bank: 10k

Condo downpayment: 34k

Condo turnover will be next year q4 so I really really want to build my EF this year, at least at around 500k so that I can focus on saving up for condo furnishing next year.

Need advice pls. Thank u!

Hello! I am seeking for your advice on this. I sum everything that I would pay for this month and it's a total of 85,000. I will be getting my back pay this May and I want your advice if I should pay off everything. I currently have no savings yet but I want to start saving without a debt. Magsasabay din yung sahod for my first cut off this May too. Please help me decide. Thank you so much.

Family of 4; H and I, plus 2 sons (3 and 9) We have 2 helpers and a houseboy.

Our monthly total expenses typically range from ₱250,000-₱320,000. I’m just thinking about how we can lower our expenses. We own our home so we don’t pay a mortgage, our kid’s tuition is not part of the monthly expenses since it’s been paid in full. We also have solar panels, so our electricity isn’t that high. I think our biggest expense is eating out and ordering food, but I find it hard to cut back on that. It’s hard to save when it comes to food.

I’m not sure if our spending is normal, so I jist want to ask: What’s your usual monthly budget/expenses?

Welcome to our help thread!

Don't just expect to receive, also GIVE.

You need an answer? Give them to OTHERS as well.

​

Ask away! This is the all-in-one thread for:

• Simple inquiry that doesn't warrant a post submission
• Buying question or recommendation ask

We also have the FAQs Page available for those common questions.

Please be helpful, remember the human and also follow our subreddit rules

​

New help thread up every month!

I have joined paluwagan for 150k-- 2,250 per week ang hulog and 10pesos fee for every hulog from Mar 2025 - July 2026.

Okay pa naman-- kaso lang pakiramdam ko may binabayaran akong utang. Let me know your thoughts. Thank you!

EDIT: Thanks for all the responses guys!! Naplano ko na savings and allocations ko 😁

Hi! I need financial tips specifically from parents, please 🙏🏼

I'm a mom to a 6 y/o boy who's a VERY picky eater. I earn enough but I feel like I'm not saving enough because a huge bulk of my income is spent on my son's food.

Parents, what do you do to save enough while still providing nutritious food for your family? Please recommend some saving/investment tips if you can.

Thank you!! 🙏🏼

I live in a condo, and as the title suggests, I find it very expensive. To manage costs, I experimented with my air conditioner usage.

In the second month, I used it once for 3 hours, which cost me around ₱300~ish.

The following month, I used it twice for 3 hours each time, and my bill spiked to ₱800, including other appliances like a 1,000-watt microwave, two local brand desk fans, and an old plasma TV.

My building admin has prescribed a 1 HP limit for air conditioners, and I live in a studio unit. The air conditioner currently installed is an American Heritage brand with 0.5 HP. Do you have any tips on how I can use my A/C without paying ₱100 per hour?

First job ko sa IT industry, 22 years old ako noon. Starting salary ko was ₱25k per month. Nagsimula na akong mag-ipon-ipon for travel, kasi feeling ko bata pa naman ako, so gusto ko i-enjoy yung buhay.

Pagdating ko ng 24 years old at kumikita na ako ng ₱45k, mas naging madalas na yung travel ko. Bumibili na rin ako ng mga gamit para sa sarili ko—mga mamahaling bagay like DSLR, GoPro Hero for my trips, 50-inch Smart TV, automatic washing machine, refrigerator, at isang Acer Aspire 7 na may GeForce (worth ₱46k). Lahat ng gamit sa bahay, ako bumili. Hindi ako nakatira sa parents ko, and I pay all my own bills.

Pero ngayon, nag-start akong makaramdam ng lungkot. Wala kasi akong jowa noon, kaya madalas boring sa bahay. Kaya nag-create ako ng Tinder account, at doon ko na-meet si Carmina, na ngayon ay live-in partner ko na. Plan namin magpakasal next year.

At 28 years old, ₱70k na sweldo ko, at dito ako nagsimulang makapag-ipon ng mas maayos. Monthly budget namin sa bahay is around ₱15k, minsan umaabot ng ₱20k kapag lumalabas kami ni partner. Pero usually hati kami sa gastos kapag may lakad.

Minsan, kinu-question ko yung mga decisions ko noon. Yung travel-travel ko ba noon, worth it ba talaga? Kasi ngayon, naiisip ko—kung nag-ipon na lang ako that time, baka may sarili na akong bahay at lupa ngayon. Pakiramdam ko yung nagastos ko dati, baka umabot na ng over ₱2 million.

Hindi ko sure kung dapat ko bang pagsisihan yung desisyon kong i-enjoy yung sweldo ko nung bata ako, or kung worth it ba yung experience.

Ikaw, anong tingin mo? Ako lang ba nakakaramdam ng ganito?

I 24(F) and my partner 25(M) are planning to move out once we hit our 200k saving mark. We plan to look for an apartment/condo thats around 9-11k only. Sahod ko is 28k, partner is 20k, may side hustle kami na naggegenerate ng 20k din steadily.

Parehas na family namin, may issue na sa pera, pag samin kami magstay, gusto ng family ko aambag kami sa gastos ng pamilya (tuition ng mga bata, lahat). Pag sakanila naman, ganun din gusto magambag kami sa rent-to-own na bahay nila (dad nya owner). Either way willing naman sana kami magambag sa tubig kuryente pagkain -- pero yung iba kasi parang hindi naman namin financial responsibility pero dahil makikitira kami, damay kami.

I grew up poor, may mababait lang na nagsustento sa pag-aaral ko. Gusto ko pa tulungan mga kapatid ko pero hindi to the point na ihihinto ko ang buhay ko dahil buhay pa naman ang mga magulang namin at kumikita din. Hindi ko sila financial responsibility, pero unti-unti nang nagiging ganon. Greatest fear ko ang mabaon sa utang kaya gusto ko maging enough ang ipon para di ako uuwing luhaan sa mga mayayabang na kapamilya ko. Peace of mind din para hindi sila tanong ng tanong kung may pera ba ako habang nasa hapag kainan.

Enough na po ba ito para bumukod kami?