Ipon Tayo Pinas

26/11/2024

03/03/2023

Money conversations with my father

I've been living independently in Metro Manila for over 8 years now. Last weekend, Papa visited and we had breakfast at Jollibee.

Sinamantala ko na din ma interview siya. Here are his thoughts about money, life and career. (non-verbatim)

✅️ 1. "Yung pagbili bili, logical naman yan. Be practical. Why will you spend more than you earn? Simple logic. Tapos ang mga bata ngayon puro delivery ng pagkain." (Sorry na po. 😆)

✅️ 2. "Dapat magplano but be sensible. Plan according to what you have now. Do not assume. Kukuha ka ng hulugan na kotse kahit di ka pa regular sa work? Sure na yung bayarin mo pero yung pagkukuhanan ng income hindi pa."

✅️ 3. "Di kami nagpadala sa lifestyle inflation.Ganito pa din kami ni mama mo. Ngayon lang mas nakaka kain na sa labas at nakaka bili na ng gusto kasi naka graduate na kayo."

✅️ 4. "Kahit di related sa course mo ang ginagawa mo ngayon, di sayang yan. Nakaka tulong yan sayo subconsciously...yung mga skills na natutunan mo. And remember, God has plans for you."

✅️ 5. "Health is wealth. Kahit ano pa yan tina trabaho mo kung magkasakit ka, wala din... kata tignan mo ako!"

(Sabay flex ng muscles lol) Which is true, I've never seen him as fit as he is now.

✅️ 6. "Lakasan lang ng loob yan. Di kami makakapag-pagawa ng bahay kung di naglakas loob na umutang. Tapos paikutin lang ang pera. Kahit bayad na ang utang, maintain lifestyle pa din kaya yung pamabayad sana napunta na sa savings."

I witnessed some people assume na either sa kanila ni mama ay nag work abroad. They find it hard to believe that both of them work in the government and were able to build a house.

Nung naglalakad na kami pabalik, I shared with him my plans about my finances and career. Sabi nya lang "May plano ka na pala eh!" 🥺

Iba talaga noh kapag sharing from experience. How I wish na record ko yung whole conversation namin kasi di ko na maalala yung iba pa nyang advice.

Invite ko nalang speaker kapag may podcast na ako?

It was a lovely day. Plus nadamay pa ako sa senior citizen discount nya :))

📌 P.S. I am a Registered Financial Planner and I coach working professionals on how to build a better relationship with money so they can plan and live their best life. If you want to work with me as your personal finance coach, details in the comments.

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My 59yrs old client....

Ito ung client ko na hindi naniniwala sa insurance at pinilit pilit ko pa para lang kumuha noong 2020.

As of Oct 24, 2022 ito na ngayon ang pera nya sa kanyang policy, nakakatuwang isipin na insured na sya at may pang retirement na rin sya.

If you want to be like this person, comment "KAYA KO DIN"

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October 11 2022: PSEi closed at 5,847.37 up 14.79 points or 0.25 percent. Source: https://www.pse.com.ph/

MARKET SUMMARY

* Total Value: PHP 4.2 billion
* Advances: 84
* Declines: 93
* Unchanged: 42

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Laban lang! 💪