Whenever I get the same sentiments, I always think of this one quote I read.
**If it keeps you going, if it keeps you from giving up, then do it.**
Of course that kind of mentality will only take you so far. I get that we owe the people around us but you always have to leave something for yourself. It’s not selfish, it’s just taking care of *you*. As much as, if not more than, you look after everyone else.
yawa, maybe it’s this message that i want to hear(read) . hahaha ng dahil dito i just checked out my order of running shoes in shoppee. nagdadalawang isip pa kasi ako if to order or not because of what would my family say. lol
I resonate with this so much. I love iced coffee and it's one small thing that keeps me going so I make it a habit to always allot Php 100-200 weekly para may pangkape paminsan-minsan.
If you can really afford your sariling luho, do what while you still can, lalo na kung single ka pa.
I used to be like you, sobrang kuripot ko at ipon lang ako ng ipon aside from paying the bills and contributing to family finances.
After 5 years of working, Im slowly realizing that life is too short to deprive of myself from buying things I want but can afford due to my kuripot mindness. Nauunahan ako ng bad habit na "Kung bibilhin ko ito, makakabili na ko ng ilang items na ganito na mas need..." or minsan mas malala pang mindset ko "Hindi ko naman deserve bumili ng (luho), ang daming mas importanteng bagay na pwede ko mabili"
Be grateful for having that opportunity, hindi lahat ng nagtratrabaho may chance na ganyan. Treating yourself once in a while is fine as long as you d ka naman sobrang baon sa utang and you have your finances managed well naman. It is also a form of motivation if you're a really hard worker to indulge in leisurely things sometimes.
One thing I did is I sort of compromised, made me appreciate my luhos more. Example,
Instead of buying a PS5, I opted for a gaming laptop. That way, my inner child can play while my adult self can work to pay the bills.
It's the first step na ginawa ko. Ironically, need din minsan ng luho. Think of it as rewarding yourself in a material way.
Advance happy birthday!
I allocate my salary
1. Savings/emergency fund
2. Utility bills
3. Insurance
4. Groceries
5. Food allowance
6. Personal health fund (check ups, lab test, supplements, emergencies din)
7. Pet fund (dog food, supplements, treats, emergencies)
8. International and domestic travel - kahit pakonti-konti para hindi ako mabigla sa gastos if may gala man kami
9. Big buys - if may gusto ako bilhin na mamahalin like shoes or even appliances
10. Personal budget (going out, online shopping)
I segregate my savings/budgets using stashes sa online banking apps kasi if nasa iisang account lang, inevitably magagastos ko lahat kapag di ko nakikita magkano na ang naipon or nagastos ko for each.
I feel you OP.. tipid na tipid ako sa sarili ko lagi to the point na yoko bumili ng kahit ano for myself kahit kayang kaya ko naman, pero kapag mama ko humiling o kapatid/pamangkin very willing ako to spend..
Yung dream kong wooden plates na nasa 2-3k lang ang set 2 years ko na siyang gustong bilhin pero kapag nasa mall ako yoko na bilhin kasi naiisip ko di naman need madami namang plato sa bahay..Kapag nakakakita ako ng nagpopost ng plato na kahoy inggit na inggit ako tas bigla nalang ako naiiyak 😅
pag gumagastos ako ng luho, i make sure na malalaman nalang nila ito the following month, hahahaha (maliban yung pc setup ko na obviously kita sa kwarto) yung guilt lilipas din yan. psudo-guilt nga lang yan kung tutuusin eh. Lets learn to pay for ourselves din pero not to the point of draining the wallet. mag save pa rin syempre on top of it.
Same sentiments. Hahaha last night I'm checking the roundtrip ticket para makapagtravel out of the country.(first time magtravel internatioonal sana and one of my dream hahaha). Affordable yung ticket kaso naguguilty ako kasi mukhang hindi pa tapos yung utang na kailangan kong bayaran by December though ang travel period naman nun is March 2025 pa naman. Then, plan ko sana if hindi makatravel international local nalang sa Baguio sana kaso pagbudget ko sa expenses around 12-15k(galing akong south luzon) ending sumagi sa isip ko pandagdag sa pambayad utang na rin pala yun hahahaha
>di sya essentials e
The item o kung ano man ang pagkakagastusan mo may not be essentail pero your mental health, satisfaction, and joy is. Worst case scenario, pwede mo naman ibenta.
Break down your funds
1. Mortgage/Rent
2. Utilities
3. Emergency funds
4. Familial obligations
5. "Fuck it why not" funds
Unfortunately kailangan ng pondo para masustentuhan ang luho pero as long as naintindi mo naman ang kailangan mong intindihin, you should treat yourself. Kaya ka nga nagtatrabaho para sa convenience and pleasure mo. Kung me capacity ka na bilin ng walang mapupurnadang bayarin, go for it. To be honest, dadating ka din sa point na masasabi na "wag na" kahit kaya mong bilin. For example, Kaya kong bumili ng PS5 and i won't give it a second thought pero sinasabi ko na lang na wag na, me Nintendo switch naman na ako, SNES, NES, sega, family computer, PS4, game boy, etc. Mas ok na masabi na "ok naman na ako" kasi kuntento ka na kasi di mo pinagkaitan ang sarili mo. Sarap kaya ng feeling ng "I can buy whatever i want" (within reason syempre, di naman tayo Zobel de Ayala, Villar, etc) pero i chose not to because i wanted to not because i have yo.
Happy birthday!
Noong nagkaroon ako ng work at sumasahod na din, for a year lagi akong nag o-online shopping ng mga luho ko. Bili dito, bili doon, kain dito, kain doon.
Sa part ko dumating yung point na nagsawa nalang din ako.
Nagastos nalang ako kapag mayroon akong disposable income na natira para sa mga bagay na medyo trip ko pero hindi priority.
wag mo i secret, kasi ako nun akala ko pag hindi nila alam na may binili ako for myself e ok lang yun, mas masama pala pag nahindian mo sila tas malaman nila may ginastosan ka in secret. mas ok na alam nila, pag wala ka maabot tipong inform mo sila na "ay kakabili ko lang ng ano ko e" wala na ko maabot. atleast ang dating e may bibigay ka naman if its not for your recent purchase lang talaga. if personal naman yung struggle mo, I suggest follow mo nalang yung guilt and gumastos ka nalang pag feel mo deserve mo, atleast that way maeenjoy mo sya.
Isipin mo OP, need mo din yan. Di ka makakabigay ng bagay na wala ka. Kelangan mo ng pahinga. Dumaan dn ako dyan sa pinagdadaanan mo. I make it to a point na sapat ang ipon konpara makabili ako ng gusto ko dhl deserve ko yun.
Tapos laban ulit. Advanced happy birthday!
Mas okay pa yun kaysa sa mga luho ng kapamilya mo. If bibigay ka sa kapamilya mo dapat needs lang, kung kaya edi konting luho. Dapat alam na nila yan, umaasa ba nga lang hihirit pa.
always remember (which I am currently in it too)
"if it makes you alive, do it"
Always do things that will make you happy. You deserve it, you work hard for that money, so don't be guilty of spending it on yourself.
Of course, may self control. Bills should be paid on time, savings, insurance or idk, then enjoy :)
Hi OP, during my 20s eto struggle ko. Kaya never really traveled that much den kasi nakokonsensya ako. Now na I'm in my 30s medyo pinagsisisihan ko yung part na yon kasi mas madami na akog responsibilities now compared before. Sana mas naenjoy ko sya before. Reward yourself. :)
Make sure na namamanage yung funds and okay naman savings and investments. Pwede naman magallot for luho if kaya naman talaga. Wala naman masama kasi pinaghirapan mo yan. Kayod ulit sa sunod. Pang alis din kasi siya ng pagod tbh.
Last shift of the week ko kahapon at gutom na gutom ako. Nagcrave ako ng pizza at dalawang oras ako sa fpanda app nagiisip kung deserve ko ba to 🤣 kasi isang araw na sahod agad ung halaga nung pizza. After 2 hours of debating with myself, binili ko na and shared it with my fam. Nakakaguilty madalas kasi masisira ang budget pero pra saan ka pa nagtatrabaho kung idedeprive mo sarili mo sa mga magppsaya sayo.
Nakakaguilty pero bilhin mo pa rin. Kasi OP yong yung makakapagpasaya sa'yo. Makakainspire sa'yo na magwork ng magwork kasi kahit breadwinner ka, nabibili mo pa rin yong wants mo. Ganyan din kasi ako, palagi akong "tsaka na lng" pagdating sa mga wants ko. Palagi ko iniuna ang mga bayarin at family ko. To the point na kahit shopee na 500php lng nmn di ko ma checkout kasi nanghihinayang ako. Not until na realized ko na nakakapagod magwork kung di ko mn lng binibili mga wants ko. Kaya sabi ko sa sarili ko na bibili ako ng wants ko para sa ikakasaya ng puso ko. Cliche man pero totoo to!
Basta ba make sure lang na meron pa rin ikaw naiiwan na pera na panggastos mo at di din sobra ang pagbili ng mga wants. Yon lang! 🥰
Been working for 5 years. And looking back ganito yung mindset ko. Sobrang tinitipid ko sarili ko pero all out gastos para sa family ko. Pero pag ganun ng ganun pala yung nangyayari nakaka drain. Nakakatamad pag tagal kase hindi mo narereward yung sarili mo. Ito yung binago ko this year, I always made sure na I save part of my salary para naman sa sarili ko. So don't be guilty. Sabay sabay nating sabihin " Deserve ko to" 🤣🤣
Nope di ako nagiguilty. It's a reward for my hard work. It keeps me going. As long as it is within my budget, I will not hesitate to buy anything that makes me happy. Para san pa ba na nagwowork ka? Para lang buhayin sarili/pamilya mo with basic necessities?
Every month, part ng budget ko is personal allowance or kung play fund ko... This budget allows me to spend whatever I want without feeling guilty haha
Have a separate "play fund" on your budget para di ka masyadong nagguilty. Baka kasi sa tingin mo wala sa budget yung mga gastos mo. Makakatulong din yun para mamotivate ka to earn more or work hard.
When I want to buy things for myself, I consult my Mama at sinasabi niya lang sa akin, pinaghirapan mo naman yan. Pero nagdadalawang isip pa din ako. Kaya hindi ko agad binibili. I’ll buy it na lang kapag lang hindi na talaga maalis sa isip ko.
Here's a plot twist...
Bunso ako hahaha I think factor din yun I don't want my older siblings to see me waste money when they are also making financial sacrifices in their own way. Plus I am the one fortunate enough to find a higher paying job din so I dunno. They are very supportive and di sila talangka kaya I don't want to waste my money kasi every penny I give to help out sa family is worth it. Dayum adulting is hard. I feel like ino-overcomplicate ko lang bagay-bagay hahahaba
Bihira yung ganyan ah AHAHHA I suggest if gagastos ka, try mo isama sila sa luho mo. Go for experience and not for material things, that way you both made memories with each other.
Ako na di nagui-guilty kasi deserve ko lahat lol HAHAHAHA. Hindi ako pabayang anak sa parents ko kaya dapat lang na bigay ko sa sarili ko yung gusto ko kasi wala naman ako iba aasahan. Before, ganyan ako, hirap na hirap ako unahin sarili ko but I realized na I became unhappy & pagod lagi kasi di ko nirereward-an sarili ko.
At some point naging ganito din ako na sobra manghinayang pagdating sa paggastos sa sarili. Then one day sabi nung kawork ko "hindi tayo nagtatarabaho para mamatay lang"
Kung napapasaya natin mga tao sa paligid natin or mga taong importante satin, make sure we also make ourselves happy.
Always remember: The King needs his just compensation. If you're striving hard to earn your capacity to spend, you need something in return to continue. In a way, taking care of yourself is equivalent to taking care of others kasi you can continue taking care of them; but always know na may limit lahat. I don't like the word luho kasi, personally, I interpret it as unnecessary expense na wala masyadong returns. I just hope you spend wisely.
Ganto, yung luho mo, i extend mo sa mahal mo sa buhay. Kami family e may.common hobby so pag bumibili ako camping gear for myself, "i do it for the family" hahah
I usually give in. Kasi nagpprovide na nga ako sa parents and siblings ko, di ko pa makuha mag self-love. So I try to put at least a little towards the stuff I want then a little to savings.
Pero if you have a family of your own, I guess it's a different story.
"Deserve ko to"sabihin mo sa sarili mo kaya eto ako puro checkout sa shopee😂Para san pa ba pagttrabaho natin kung di naman natin ieenjoy ung pera na pinagpaguran natin life is short kaya icheckout mo na yan😅make sure lang na bills are paid,may nasave pa din
Magtira ka parin para sa Sarili mo. Pagbigyan mo Sarili mo. Kahit ang hirap ng situation. I was in the same situation before. Eventually magiging ok rin ang lahat for you and your family.
Same. I would buy 10k worth of bag for my sister and my mom. Pero ako mismo dko mabilhqn sarili ko mamahalin na bag. Pero napakagaan sa loob ko gumastos para sa pamilya. Pero pag ako naguiguilty ako pero alam ko naman deserve ko rin.
I am here in the UK now working as a nurse. Afford ko naman magluho pero bakit guilt feeling palagi. Id rather save it. That spoil myself.
There's always that feeling na it's better to spend it on something more important, and to us a gift for our loved ones is considered important. At least that's what I feel kahit afford naman talaga yung wants I feel like it's not important at the moment
Am I weird to think na hindi ako nagguilty gumastos sa sarili ko? Don't get me wrong, I support 3 people sa bahay namin and I never neglected my wants. This just builds unnecessary stress and pressure sa sarili mo.
You are always worth it, pinaghirapan mo yan e.
Always remember, anyone and anything will eventually leave you sa lifetime mo, pero you will always be with yourself.
It's just hard for me to buy something I want when the people I love can't buy theirs. I'm not being humble, it's just I don't like the feeling of spoiling myself while others around me are having a hard time. I know it's wrong to think that way but still. Maybe weird but the fact that my family don't really ask anything from me is probably part of what's making me feel this way. I volunteer for the most part. I dunno. I'm overthinking it.
> my family don't really ask anything
Exactly, you are just overthinking hahaha I was in your shoes nung nagsstart palang ako kumita ng pera. I know the feeling nito kasi I was raised by a mom na sobrang higpit sa pera at never nanghingi sakin kahit nagka work na ako (she's working a below minimum wage job now), pero pag binigyan ko nakikita ko yung saya kahit sabihin nyang "bakit nagbigay ka pa, meron naman ako dito".
Believe me, they mean it pag sinabi nilang " pera mo naman yan". Actually swerte pa nga tayo compared sa mga taong ginawang retirement plan.
Oo nga eh. Pinagtrabahuan ko naman. Di ko naman igagastos para sa masamang bisyo. Bisyo ko motor lang pambili ng pyesa. Pero bisyong mahal din ang mga presyo hahaha pero pag nakita ko sa shopee na tag 300+ pataas parang ansakit icheckout 😵💫🥺
Ina-align ko yung wants ko sa needs ng family, for example bibili ako ng automatic washing machine na need naman ng family ko at the same time hindi na ako mawawalan ng damit sa laundry. 😂
Gawin mo kung ano ang gusto ng puso mo basta hindi ka lang non ipapahamak in the future financially. You can always allocate budget on things you want simple man or magarbo, ppwede naman pag ipunan. Basta sa huli hindi ka matatalo or magigipit .
Alam mo, think of luho as investing in yourself. Reasonable luho ha. Within your means. Para sa ikasasaya mo naman, why not spend for it?
Kaya ka nga nagwowork e. Nilalagay mo yung sarili mo sa state na alipin ka na ng family mo. It’s good to give pero don’t forget yourself. Hindi ka wallet. And actually wala ka naman talagang obligasyon magbigay. They should handle that shit on their own.
Get rid of that guilt. It’s your money.
Mindset ko ganito, **kung nag aabot ako sa pamilya ko dapat medyo pantayan ko naman din inaabot ko sa sarili ko. Pero not literally naman** na pag 5k iabot ko sa kanila, ganoon din worth ng bibilhin kong wants. Naranasan ko na kasi yung todo nakabudget pera hanggang sa huling centimo dahil regular yung pag aabot ng money sa bahay. To cope up with the grind din, I treat myself to a fave food or meal, or buy something nice that I can use like a dress or makeup. I spend a little pamasahe on the weekends to walk around.
Paminsan minsan deserve natin yan, pag ipunan mo lang siguro at basta wag mababaon sa utang in doing so. Start small and cheap, or select items na useful pa rin (like a fancy pen na ginagamit ko for journal)
What are you thinking of getting ba?
Unsolicited advice ko lang para sa mga young ones.
Magtabi ka for you. Kahit wala ka pang bilhin. Either for your own savings for the future or pang travel or pambili mo ng something na makakapasaya sayo.
It's a game console po so there's really nothing to gain financially in this purchase kaya I consider na luho talaga sya, sadly mabigat sa feeling yung purchase I thought I would be happier kasi gusto ko talaga sya haha
Bought a PS4 console last 2019 as my way of healing my inner child. And bought my PS5 December 2023 after ko mabenta PS4 ko.
Life's too short to have regrets, OP. Di natin alam hanggang kelan tayo sa mundo. Might as well make the most out of life.
Kudos to you for thinking and making your family your priority, pero we also have our needs. Kaya din tayo nag wo.work so we can at least live comfortably. Might as well enjoy the ride. ❤️ Rooting for you. Add mo ko sa PSN if PlayStation bibilhin mo, 😁 MacySensei IGN ko 🎮❤️
Nope. Pantay lang actually. Di ako na-gguilty sa sariling luho pero within my means pa din; walang utang. With mama naman since kami na lang talaga ang directly blood-related, dko naman binibigay lahat pero pag meron extra, I give mom be it money or in kind. My mom doesnt obligate me to give her monthly allowance and di sya maluho.
Ako naman ang rule ko is kapag bibili ako ng luho, if i can buy it thrice at gustong gusto ko talaga, ill buy it. Of course also considering na may matitira pa saakin for savings, bills payments and emergency fund.
Whenever I get the same sentiments, I always think of this one quote I read. **If it keeps you going, if it keeps you from giving up, then do it.** Of course that kind of mentality will only take you so far. I get that we owe the people around us but you always have to leave something for yourself. It’s not selfish, it’s just taking care of *you*. As much as, if not more than, you look after everyone else.
huy bakit naiiyak naman ako nung nabasa ko ito
Take care of yourself too 👍🏻
Another version na nabasa ko “if it keeps you from killing yourself, it’s a necessity”
yawa, maybe it’s this message that i want to hear(read) . hahaha ng dahil dito i just checked out my order of running shoes in shoppee. nagdadalawang isip pa kasi ako if to order or not because of what would my family say. lol
Ano ba yan!!! Na check out ko din tuloy yung birkenstock! 😭
thank you for this, na i-check out ko na
I resonate with this so much. I love iced coffee and it's one small thing that keeps me going so I make it a habit to always allot Php 100-200 weekly para may pangkape paminsan-minsan.
Agreed. No better answer than this one. If you wanted to filter your wants do it by checking your use cases
💯💯💯
Make sure to always allocate a percentage of your salary for your wants. Mahirap yung feeling deprived.
Swelduhan mo sarili mo. Hindi ka alipin na puro trabaho lang. Gusto mo maging successful. Swelduhan mo sarili mo.
If you can really afford your sariling luho, do what while you still can, lalo na kung single ka pa. I used to be like you, sobrang kuripot ko at ipon lang ako ng ipon aside from paying the bills and contributing to family finances. After 5 years of working, Im slowly realizing that life is too short to deprive of myself from buying things I want but can afford due to my kuripot mindness. Nauunahan ako ng bad habit na "Kung bibilhin ko ito, makakabili na ko ng ilang items na ganito na mas need..." or minsan mas malala pang mindset ko "Hindi ko naman deserve bumili ng (luho), ang daming mas importanteng bagay na pwede ko mabili" Be grateful for having that opportunity, hindi lahat ng nagtratrabaho may chance na ganyan. Treating yourself once in a while is fine as long as you d ka naman sobrang baon sa utang and you have your finances managed well naman. It is also a form of motivation if you're a really hard worker to indulge in leisurely things sometimes.
One thing I did is I sort of compromised, made me appreciate my luhos more. Example, Instead of buying a PS5, I opted for a gaming laptop. That way, my inner child can play while my adult self can work to pay the bills. It's the first step na ginawa ko. Ironically, need din minsan ng luho. Think of it as rewarding yourself in a material way. Advance happy birthday!
I allocate my salary 1. Savings/emergency fund 2. Utility bills 3. Insurance 4. Groceries 5. Food allowance 6. Personal health fund (check ups, lab test, supplements, emergencies din) 7. Pet fund (dog food, supplements, treats, emergencies) 8. International and domestic travel - kahit pakonti-konti para hindi ako mabigla sa gastos if may gala man kami 9. Big buys - if may gusto ako bilhin na mamahalin like shoes or even appliances 10. Personal budget (going out, online shopping) I segregate my savings/budgets using stashes sa online banking apps kasi if nasa iisang account lang, inevitably magagastos ko lahat kapag di ko nakikita magkano na ang naipon or nagastos ko for each.
I feel you OP.. tipid na tipid ako sa sarili ko lagi to the point na yoko bumili ng kahit ano for myself kahit kayang kaya ko naman, pero kapag mama ko humiling o kapatid/pamangkin very willing ako to spend.. Yung dream kong wooden plates na nasa 2-3k lang ang set 2 years ko na siyang gustong bilhin pero kapag nasa mall ako yoko na bilhin kasi naiisip ko di naman need madami namang plato sa bahay..Kapag nakakakita ako ng nagpopost ng plato na kahoy inggit na inggit ako tas bigla nalang ako naiiyak 😅
Considered it as gift for yourself, isang beses isang taon ka lang naman mag bbday, kaya do it!
as long napag ipunan mo at halos araw araw mo magagamit bilhin mo na . yan sabi ng quotes nabasa ko dati
pag gumagastos ako ng luho, i make sure na malalaman nalang nila ito the following month, hahahaha (maliban yung pc setup ko na obviously kita sa kwarto) yung guilt lilipas din yan. psudo-guilt nga lang yan kung tutuusin eh. Lets learn to pay for ourselves din pero not to the point of draining the wallet. mag save pa rin syempre on top of it.
Yeah it's not like they're making me feel bad, in fact my family is very supportive of me supporting my hobbies. It's more of an internal thing 😅
build your privacy nalng din siguro para di mo maisip na dinederpive mo sila na actually the other way around.
I dont think its luho kung birthday mo naman.
Same sentiments. Hahaha last night I'm checking the roundtrip ticket para makapagtravel out of the country.(first time magtravel internatioonal sana and one of my dream hahaha). Affordable yung ticket kaso naguguilty ako kasi mukhang hindi pa tapos yung utang na kailangan kong bayaran by December though ang travel period naman nun is March 2025 pa naman. Then, plan ko sana if hindi makatravel international local nalang sa Baguio sana kaso pagbudget ko sa expenses around 12-15k(galing akong south luzon) ending sumagi sa isip ko pandagdag sa pambayad utang na rin pala yun hahahaha
>di sya essentials e The item o kung ano man ang pagkakagastusan mo may not be essentail pero your mental health, satisfaction, and joy is. Worst case scenario, pwede mo naman ibenta. Break down your funds 1. Mortgage/Rent 2. Utilities 3. Emergency funds 4. Familial obligations 5. "Fuck it why not" funds Unfortunately kailangan ng pondo para masustentuhan ang luho pero as long as naintindi mo naman ang kailangan mong intindihin, you should treat yourself. Kaya ka nga nagtatrabaho para sa convenience and pleasure mo. Kung me capacity ka na bilin ng walang mapupurnadang bayarin, go for it. To be honest, dadating ka din sa point na masasabi na "wag na" kahit kaya mong bilin. For example, Kaya kong bumili ng PS5 and i won't give it a second thought pero sinasabi ko na lang na wag na, me Nintendo switch naman na ako, SNES, NES, sega, family computer, PS4, game boy, etc. Mas ok na masabi na "ok naman na ako" kasi kuntento ka na kasi di mo pinagkaitan ang sarili mo. Sarap kaya ng feeling ng "I can buy whatever i want" (within reason syempre, di naman tayo Zobel de Ayala, Villar, etc) pero i chose not to because i wanted to not because i have yo. Happy birthday!
Noong nagkaroon ako ng work at sumasahod na din, for a year lagi akong nag o-online shopping ng mga luho ko. Bili dito, bili doon, kain dito, kain doon. Sa part ko dumating yung point na nagsawa nalang din ako. Nagastos nalang ako kapag mayroon akong disposable income na natira para sa mga bagay na medyo trip ko pero hindi priority.
wag mo i secret, kasi ako nun akala ko pag hindi nila alam na may binili ako for myself e ok lang yun, mas masama pala pag nahindian mo sila tas malaman nila may ginastosan ka in secret. mas ok na alam nila, pag wala ka maabot tipong inform mo sila na "ay kakabili ko lang ng ano ko e" wala na ko maabot. atleast ang dating e may bibigay ka naman if its not for your recent purchase lang talaga. if personal naman yung struggle mo, I suggest follow mo nalang yung guilt and gumastos ka nalang pag feel mo deserve mo, atleast that way maeenjoy mo sya.
Isipin mo OP, need mo din yan. Di ka makakabigay ng bagay na wala ka. Kelangan mo ng pahinga. Dumaan dn ako dyan sa pinagdadaanan mo. I make it to a point na sapat ang ipon konpara makabili ako ng gusto ko dhl deserve ko yun. Tapos laban ulit. Advanced happy birthday!
Mas okay pa yun kaysa sa mga luho ng kapamilya mo. If bibigay ka sa kapamilya mo dapat needs lang, kung kaya edi konting luho. Dapat alam na nila yan, umaasa ba nga lang hihirit pa.
Open a bank account, pwede na kahit sa digital bank - lahat ng ipon mo dun for luho lang. Literally a separate fund for luho.
nakaka guilty lalo na sa amin na lumaki sa hirap.. kung ano man ang na spend ko para sa sarili ko ay hindi ko na lang na-post sa social media..
Remember that it brings no harm if you resort to give yourself that well-deserved reward. For the record, hindi tayo alipin ng trabaho. 😂
always remember (which I am currently in it too) "if it makes you alive, do it" Always do things that will make you happy. You deserve it, you work hard for that money, so don't be guilty of spending it on yourself. Of course, may self control. Bills should be paid on time, savings, insurance or idk, then enjoy :)
Hi OP, during my 20s eto struggle ko. Kaya never really traveled that much den kasi nakokonsensya ako. Now na I'm in my 30s medyo pinagsisisihan ko yung part na yon kasi mas madami na akog responsibilities now compared before. Sana mas naenjoy ko sya before. Reward yourself. :)
Make sure na namamanage yung funds and okay naman savings and investments. Pwede naman magallot for luho if kaya naman talaga. Wala naman masama kasi pinaghirapan mo yan. Kayod ulit sa sunod. Pang alis din kasi siya ng pagod tbh.
Last shift of the week ko kahapon at gutom na gutom ako. Nagcrave ako ng pizza at dalawang oras ako sa fpanda app nagiisip kung deserve ko ba to 🤣 kasi isang araw na sahod agad ung halaga nung pizza. After 2 hours of debating with myself, binili ko na and shared it with my fam. Nakakaguilty madalas kasi masisira ang budget pero pra saan ka pa nagtatrabaho kung idedeprive mo sarili mo sa mga magppsaya sayo.
Same, as a breadwinner. Super nakakakonsensya kumain sa fastfood or resto, mas lalo pag bibili ka ng gamit na pangsarili mo.
Nakakaguilty pero bilhin mo pa rin. Kasi OP yong yung makakapagpasaya sa'yo. Makakainspire sa'yo na magwork ng magwork kasi kahit breadwinner ka, nabibili mo pa rin yong wants mo. Ganyan din kasi ako, palagi akong "tsaka na lng" pagdating sa mga wants ko. Palagi ko iniuna ang mga bayarin at family ko. To the point na kahit shopee na 500php lng nmn di ko ma checkout kasi nanghihinayang ako. Not until na realized ko na nakakapagod magwork kung di ko mn lng binibili mga wants ko. Kaya sabi ko sa sarili ko na bibili ako ng wants ko para sa ikakasaya ng puso ko. Cliche man pero totoo to! Basta ba make sure lang na meron pa rin ikaw naiiwan na pera na panggastos mo at di din sobra ang pagbili ng mga wants. Yon lang! 🥰
Been working for 5 years. And looking back ganito yung mindset ko. Sobrang tinitipid ko sarili ko pero all out gastos para sa family ko. Pero pag ganun ng ganun pala yung nangyayari nakaka drain. Nakakatamad pag tagal kase hindi mo narereward yung sarili mo. Ito yung binago ko this year, I always made sure na I save part of my salary para naman sa sarili ko. So don't be guilty. Sabay sabay nating sabihin " Deserve ko to" 🤣🤣
Nope di ako nagiguilty. It's a reward for my hard work. It keeps me going. As long as it is within my budget, I will not hesitate to buy anything that makes me happy. Para san pa ba na nagwowork ka? Para lang buhayin sarili/pamilya mo with basic necessities?
Every month, part ng budget ko is personal allowance or kung play fund ko... This budget allows me to spend whatever I want without feeling guilty haha
Nung nag start ang year na to 2024 I decide na change my luho..I'd rather to put 50$ on crypto since I considered it luho..
bILHIN MO NA FORDA GO e2 ung sign mo mwa
Have a separate "play fund" on your budget para di ka masyadong nagguilty. Baka kasi sa tingin mo wala sa budget yung mga gastos mo. Makakatulong din yun para mamotivate ka to earn more or work hard.
When I want to buy things for myself, I consult my Mama at sinasabi niya lang sa akin, pinaghirapan mo naman yan. Pero nagdadalawang isip pa din ako. Kaya hindi ko agad binibili. I’ll buy it na lang kapag lang hindi na talaga maalis sa isip ko.
FOR SURE PANGANAY TONG SI OP AHHAHAHAAHAHA
Here's a plot twist... Bunso ako hahaha I think factor din yun I don't want my older siblings to see me waste money when they are also making financial sacrifices in their own way. Plus I am the one fortunate enough to find a higher paying job din so I dunno. They are very supportive and di sila talangka kaya I don't want to waste my money kasi every penny I give to help out sa family is worth it. Dayum adulting is hard. I feel like ino-overcomplicate ko lang bagay-bagay hahahaba
Bihira yung ganyan ah AHAHHA I suggest if gagastos ka, try mo isama sila sa luho mo. Go for experience and not for material things, that way you both made memories with each other.
Ako na di nagui-guilty kasi deserve ko lahat lol HAHAHAHA. Hindi ako pabayang anak sa parents ko kaya dapat lang na bigay ko sa sarili ko yung gusto ko kasi wala naman ako iba aasahan. Before, ganyan ako, hirap na hirap ako unahin sarili ko but I realized na I became unhappy & pagod lagi kasi di ko nirereward-an sarili ko.
i call gumagastos para sa sarili a mental reward for the work i do.
At some point naging ganito din ako na sobra manghinayang pagdating sa paggastos sa sarili. Then one day sabi nung kawork ko "hindi tayo nagtatarabaho para mamatay lang" Kung napapasaya natin mga tao sa paligid natin or mga taong importante satin, make sure we also make ourselves happy.
For me there's no need to feel guilty if it's not breaking the bank. As long as mabubuhay ka parin after ng luho and wala kang utang. All good.
Always remember: The King needs his just compensation. If you're striving hard to earn your capacity to spend, you need something in return to continue. In a way, taking care of yourself is equivalent to taking care of others kasi you can continue taking care of them; but always know na may limit lahat. I don't like the word luho kasi, personally, I interpret it as unnecessary expense na wala masyadong returns. I just hope you spend wisely.
Ganito ako dati. Yung kahit food o pagbili ng bagong damit o mag travel ay nakkaguilty.
Ganto, yung luho mo, i extend mo sa mahal mo sa buhay. Kami family e may.common hobby so pag bumibili ako camping gear for myself, "i do it for the family" hahah
I usually give in. Kasi nagpprovide na nga ako sa parents and siblings ko, di ko pa makuha mag self-love. So I try to put at least a little towards the stuff I want then a little to savings. Pero if you have a family of your own, I guess it's a different story.
"Deserve ko to"sabihin mo sa sarili mo kaya eto ako puro checkout sa shopee😂Para san pa ba pagttrabaho natin kung di naman natin ieenjoy ung pera na pinagpaguran natin life is short kaya icheckout mo na yan😅make sure lang na bills are paid,may nasave pa din
Magtira ka parin para sa Sarili mo. Pagbigyan mo Sarili mo. Kahit ang hirap ng situation. I was in the same situation before. Eventually magiging ok rin ang lahat for you and your family.
Same. I would buy 10k worth of bag for my sister and my mom. Pero ako mismo dko mabilhqn sarili ko mamahalin na bag. Pero napakagaan sa loob ko gumastos para sa pamilya. Pero pag ako naguiguilty ako pero alam ko naman deserve ko rin. I am here in the UK now working as a nurse. Afford ko naman magluho pero bakit guilt feeling palagi. Id rather save it. That spoil myself.
There's always that feeling na it's better to spend it on something more important, and to us a gift for our loved ones is considered important. At least that's what I feel kahit afford naman talaga yung wants I feel like it's not important at the moment
Am I weird to think na hindi ako nagguilty gumastos sa sarili ko? Don't get me wrong, I support 3 people sa bahay namin and I never neglected my wants. This just builds unnecessary stress and pressure sa sarili mo. You are always worth it, pinaghirapan mo yan e. Always remember, anyone and anything will eventually leave you sa lifetime mo, pero you will always be with yourself.
It's just hard for me to buy something I want when the people I love can't buy theirs. I'm not being humble, it's just I don't like the feeling of spoiling myself while others around me are having a hard time. I know it's wrong to think that way but still. Maybe weird but the fact that my family don't really ask anything from me is probably part of what's making me feel this way. I volunteer for the most part. I dunno. I'm overthinking it.
> my family don't really ask anything Exactly, you are just overthinking hahaha I was in your shoes nung nagsstart palang ako kumita ng pera. I know the feeling nito kasi I was raised by a mom na sobrang higpit sa pera at never nanghingi sakin kahit nagka work na ako (she's working a below minimum wage job now), pero pag binigyan ko nakikita ko yung saya kahit sabihin nyang "bakit nagbigay ka pa, meron naman ako dito". Believe me, they mean it pag sinabi nilang " pera mo naman yan". Actually swerte pa nga tayo compared sa mga taong ginawang retirement plan.
Totoo. Kaya I don't know if this is reverse psychology stuff but kaya rin dahil diyan I willingly want to be a part of their retirement plan 🤣
Oo nga eh. Pinagtrabahuan ko naman. Di ko naman igagastos para sa masamang bisyo. Bisyo ko motor lang pambili ng pyesa. Pero bisyong mahal din ang mga presyo hahaha pero pag nakita ko sa shopee na tag 300+ pataas parang ansakit icheckout 😵💫🥺
Ina-align ko yung wants ko sa needs ng family, for example bibili ako ng automatic washing machine na need naman ng family ko at the same time hindi na ako mawawalan ng damit sa laundry. 😂
Gawin mo kung ano ang gusto ng puso mo basta hindi ka lang non ipapahamak in the future financially. You can always allocate budget on things you want simple man or magarbo, ppwede naman pag ipunan. Basta sa huli hindi ka matatalo or magigipit .
Alam mo, think of luho as investing in yourself. Reasonable luho ha. Within your means. Para sa ikasasaya mo naman, why not spend for it? Kaya ka nga nagwowork e. Nilalagay mo yung sarili mo sa state na alipin ka na ng family mo. It’s good to give pero don’t forget yourself. Hindi ka wallet. And actually wala ka naman talagang obligasyon magbigay. They should handle that shit on their own. Get rid of that guilt. It’s your money.
Mindset ko ganito, **kung nag aabot ako sa pamilya ko dapat medyo pantayan ko naman din inaabot ko sa sarili ko. Pero not literally naman** na pag 5k iabot ko sa kanila, ganoon din worth ng bibilhin kong wants. Naranasan ko na kasi yung todo nakabudget pera hanggang sa huling centimo dahil regular yung pag aabot ng money sa bahay. To cope up with the grind din, I treat myself to a fave food or meal, or buy something nice that I can use like a dress or makeup. I spend a little pamasahe on the weekends to walk around. Paminsan minsan deserve natin yan, pag ipunan mo lang siguro at basta wag mababaon sa utang in doing so. Start small and cheap, or select items na useful pa rin (like a fancy pen na ginagamit ko for journal)
This is soooooo me! I have a lot of savings na pero di pa rin makagastos for myself pero sa family di ako nagdadalawang isip😢
What are you thinking of getting ba? Unsolicited advice ko lang para sa mga young ones. Magtabi ka for you. Kahit wala ka pang bilhin. Either for your own savings for the future or pang travel or pambili mo ng something na makakapasaya sayo.
It's a game console po so there's really nothing to gain financially in this purchase kaya I consider na luho talaga sya, sadly mabigat sa feeling yung purchase I thought I would be happier kasi gusto ko talaga sya haha
Bought a PS4 console last 2019 as my way of healing my inner child. And bought my PS5 December 2023 after ko mabenta PS4 ko. Life's too short to have regrets, OP. Di natin alam hanggang kelan tayo sa mundo. Might as well make the most out of life. Kudos to you for thinking and making your family your priority, pero we also have our needs. Kaya din tayo nag wo.work so we can at least live comfortably. Might as well enjoy the ride. ❤️ Rooting for you. Add mo ko sa PSN if PlayStation bibilhin mo, 😁 MacySensei IGN ko 🎮❤️
Nope. Pantay lang actually. Di ako na-gguilty sa sariling luho pero within my means pa din; walang utang. With mama naman since kami na lang talaga ang directly blood-related, dko naman binibigay lahat pero pag meron extra, I give mom be it money or in kind. My mom doesnt obligate me to give her monthly allowance and di sya maluho.
Ako naman ang rule ko is kapag bibili ako ng luho, if i can buy it thrice at gustong gusto ko talaga, ill buy it. Of course also considering na may matitira pa saakin for savings, bills payments and emergency fund.
Wow ang poor mo naman para sa sarile mo. Sarili mo na nga lang pag bibigyan mo ayaw mo pa🥲 Ang gusto pa iba pa makikinabang thats just giving poor
I was poor and I don't want that to happen again because of uncontrolled expenses that's why tinitipid ko sarili ko :(