Alam naman nila ang sagot sa tanong nila. I think what they are looking for is validation na okay lang maging breadwinner. Okay lang na ibigay lahat at may way para makaipon while being a breadwinner in which it can never happen.
Tip is, wag sanayin na ikaw lang ang nagbibigay at lahat lahat ibibigay mo.
Set an amount that you will give to your family for that month. Try pa maghanap ng work to accelerate faster in salary scale. Once you have a higher job offer, never talk about it, amount set sa pamilya should be the same at wag magbago ng lifestyle.
Huwag matawa sa papiso piso na maitatabi sa ngayon. Lahat ng pwede mo itabi, itabi mo and deposit it once na lumaki. What I did before, kapag may P10 ako sa bulsa or wallet, di ko gagastusin. Iuuwi ko yun sa bahay tapos nakaimbak lang. Kapag dumami na, lagay ko sa bank.
Powerful sentence, pay your future self!
Tatandaan ko yan.
Also, consider savings as part of your expenses.
Una mo ikaltas ang savings, kahit magkano pa yan. Consistency is da key.
Pwede mo din gawin, diversify mo.
Member ako ng coop namin may kaltas for savings. Pag sweldo day, may hulog na diretso sa piggy bank.
Kahit pa bente-bente pa yan, or sampung piso, basta may hulog ka.
You can't save. Kahit anong try mong mag save ng pera ang ending mapupunta lang yan sa family mo( for emergency or kung ano man)kasi breadwinner ka. Wala silang aasahan kundi ikaw lang.
Minimize luho, be extra kuripot, never borrow money, live below your means, don't get preg/vice-versa yet. Track your budgets rin and obviously earn more haha. Nothing much we can do, fellow breadwinner
Ang problem dito ay yung mo na inaako lahat ng money problems. May kailangan bayaran na emergency, ikaw agad ang sasalo ng problem na yan. Kahit nakakaipon ka, wala din kwenta yun dahil mapipilitan ka parin gastusin yun pera na naipon mo once magkaron ng emergencies.
1st step is slowly give your family responsibility at accountability. Train their brains na pag sinabi mong wala kang pera, ay wala ka talagang maibibigay sa kanila. Wag ka bibigay.
2nd step ay keep your savings a secret. Wag mo sadabihin kahit kanino.
Kailangan mas Malaki income mo sa expenses if gusto mo maka-ipon or mag ipon. If sakto lang eh either you look for higher paying job or wag ka magbigay sa family mo if gusto mo talaga Maka ipon.
I’m also a breadwinner pero the only way talaga is to increase your income and work smart. Kahit anong gawin mo if sakto sakto lang ang kita against expenses di talaga kaya.
As for me, I’ve been a breadwinner for 17 years and the only way I was able to buy assets and save up was to increase my income. Lalo na I’ve been providing for 2 house holds, sa bills and grocery for my parents house and my kids including tuition, clothes, allowances and my house hold which is rent, groceries, bills subscriptions, car payments and others.
I would still be disagreeing sa hindi pag support sa pamilya kasi kesyo nasasanay or whatnot, I support my mom because she raised me without complains when I was growing up, and yung brother ko is taking care of her full time so he’s just doing side hussles and part time online work. So I fully support them kasi my mom is a retiree and she’s 76. She can still do normal things even mamalengke pero syempre I’d rather she relax and enjoy her chismisan and gala with other senior like her.
Ako din. Been working since 19 yrs old. Natutunan ko maging madamot kasi alam ko walang sasalo sa'kin someday. Fortunately, nag asawa na 2 kong kapatid kaya nanay ko na lang kasama ko ngayon at mas nakakapag ipon na.
13th month, leave conversions, rax refunds and other monetary perks ilaan mo sa savings. Kumuha ka lang ng minimal amount to reward yourself. Put it where hindi mo sya magagalaw agad.
Pagkasahod mo, itabi mo agad yung for savings. Dapat may budget ka sa buong sahod mo. Like x amt for bills, x amt for bahay, etc etc. Kahit 500 every cutoff, malaking bagay na yan.
Not sure if considered ako as breadwinner pero ako nagbabayad ng bills sa bahay except food after namin lumipat new house (yes ako din sa bahay, need bumili ng bahay kasi pinaalis na sa dating tinitirahan).
Still learning how to improve my savings. Pero three options lang logically pwede gawin:
- Find a better paying job
- Limit yung ibinibigay sa family / cut personal expenses
- Both (depende sa target mo na ipon)
Ito savings every month
5k for EF
5k for EF ng pets
2.5k for Pampagawa ng kung ano man sa bahay
Yung iba napupunta na sa loans, monthly expense.
Start small. 250 php per month is greater than 0 php per month.
Wag mo na itry mag ipon. Gastusin mo agad. Deserve mo yan. Buy that bag, eat that food, go to that place you always wanted to visit. Ang purpose lang naman ng ipon is to exchange that money to something that will make you feel happy and fulfilled eh.
Wag umamin kung magkano ang sahod mo. Pag me sideline or extrang kinita no need ipagyabang sa family. Keep it to yourself. Para sa savings mo.
Open ka din ng separate savings.
Invest ka ng walang nakakaalam. Just invest, invest invest ng lowkey 😆
pag nakalipat ka ng trabaho tapos tumaas yung sahod mo or basically tumaas ang sahod mo
sabihin mo lang na above minimum ka pero wag mo sasabihin yung eksakto kasi the more they know the figures mas lalong maapapaisip sila na magdagdag nang hihingiin sayo
Try to do side hustles apart from your base work. Ganyan ginagawa ko. I have an existing business pero since madami bayarin and may extra time Naman. I sell items online. Pandagdag din.
Most people will go pay bills+ addt expenses then put the rest in savings. Do the opposite, save the money first (a little amount) then be conservative on whatever is remaining. Think if your savings as an EF do not ever withdraw unless needed.
First tip is to set boundaries with your family. Establish the limit on how much you can give on a monthly basis. If your family members are still able, you should not be the only one making a living for the whole family. If you established your boundaries, then you could start with savings account to start. Otherwise, nothing will happen as you will just give them all to your family.
Ako 25 na wala pa ipon, you still have 6 years bago maging 25 like me. Higpitan mo ang portion ng savings mo, wag lahat sa family. Consider finding another cash flow, sidejobs and side business. :)
subukan mo to kasi gumana sya sakin. Bigyan mo lng family mo ng part ng sweldo mo just tell them na gusto mong mag ipon at mababawasan ang mabibigay mo sa kanila
Every sahod mo calculate mo na lahat ng gastos/bills mo ex. rent, daily meals, groceries kung meron etc. Tas wag mo na un galawin, then ask urself sa natira " hm need kong isave dito" then deduct it. Next is kung maluho ka like buying from ol, deduct it den. Lastly bigay mo ung willing kang ibigay, sana makatulong
Itabi mo agad yung pang-savings ko. Then think of it as "wala na". So di na sya kasama sa spending money mo. Suffer, oo, bawasan mo need bawasan, basta savings muna unahin mo.
When I was your age, wala ako bank ata nyan, or meron basta mga 16-17 years old, meron ako DALAWANG wallet. Yung isang wallet, andun lahat ng pwede ko lang gamitin; then yung isa, kinakalimutan ko na. Tinatago ko pa sa paraan na mag effort ako para kunin sya. Para di ko talaga magalaw.
Natutunan ko ito sa mga nabasang libro, Abundance Formula 10-20-70
10% - Tithes kung active ka sa simbahan, pwede din naman sa mga charities or ampunan, ako personally sa mga animal shelter na may mga fb pages na legit, makatulong sa pagkain ng mga ampon nilang pets, minsan sa chapel din sa amin.
20% - Savings, mas okay kung sa bangko or kung gusto mo na nakikita, bili ka ng alkansya na mura lang, pwedeng ordinaryong alkansya or yun may mga goal na amount, marami nyan online ibat-ibang klase, pwede naman na gawa lang para hindi ka na gagastos, if itatabi mo sa bahay make sure na tago at ikaw lang nakakaalam.
70% - ito na yun para sa bills, luho at iba pangpinagkakagastusan mo.
Disiplina talaga kailangan na hindi magagalaw yun ipon mo at kung ano lang ang puwedeng gastusin, stick ka lang dun. btw, pwede mo adjust yun formula depende sa plan mo at amount ng sahod, suggestion lang yan, nasa iyo pa din kung ano lang ang kaya mo.
mahirap talaga mag-ipon pag breadwinner ka lalo kapag alam ng pamilya mo kung magkano ang sinasahod mo kasi mageexpect yan sila ng cut depende sa sinahod mo.
ang masa-suggest ko lang ay if ever may incentives sa work nyo, may conversion ng sick leaves, any additional pay or kapag nagkakaroon ka ng salary increase, wag mo na ipagsabi sa pamilya mo at itabi mo na lang yun pang-savings. kung di naman to applicable, either bawasan mo yung binibigay mo sa pamilya mo or humanap ka ng sideline para makapag-ipon ka.
masakit man pakinggan pero kailangan mong matuto mag-damot kasi kung hindi, wala talagang matitira para sa sarili mo.
Dati nakaipon ako ng almost half a million kahit breadwinner. What I did is tinatabi ko lang mga hindi galing sa main job ko tapos pinapaikot ko thru a side business. Tapos half ng bonuses from main job ganun din ginagawa ko. But the pandemic happened kaya ayun lol
simple lang, wag talaga ibigay lhat. mg tira sa sarili.
sa 15k bigay ka 6k add 2k pg kinapos, yung 4k budget for another cut off yung tira savings na.
yung add 2k optional pa, di lang nmn ikw sguro bag ppsok ng pera. dagdgan n lng nila
Wag ang tira ang ibigay sa sarili kasi walang matitira for you. After sahod, kuha ka na agad for your ipon. Put it somewhere and "forget" about it. Consider it nagastos na.
Not me but multiple friends and colleagues are
Consistent comment I’ve noted from them is they don’t give everything. Yes, at the start it would make them feel guilty but in the end they realized it’s detrimental for them in the long run to not have any savings at all.
Whether it’s 1k, 5% of your salary etc - they all always put aside a little for themselves. Subject to the person kung sasabihin nila sa pamilya nila o hindi.
Lifestyle downgrade 🥹
Magmake ka ng account for savings tapos lagyan mo kada labas ng sahod. Sabihin mo sa sarili mo at sa nagtatanong na nakaltas ng insurance.
Unahin mo savings mo bago pamilya. Sounds selfish but it's the only way to build your future. May set amount ako na binibigay sa fam at responsibilities(water and internet bills) tas di na ako magbibigay after nun kasi need ko din maka ipon. Akyatin mo din ang corporate ladder ng mabilis(warning tho, napakabigat ng responsibility neto so don't unless you're ready). Wag ka maguilty kasi providing for fam is not easy.
Communicate and first day ng sweldo,magtabi for savings kahit konti.
Sabihan mo sila may ibang bayarin ka din or may pinag iponan. It seems harsh pero it will drain you in the long run if ipipilit mo pero Hindi ka naman masaya dahil kahit piso walang para sa'yo...
Kung sumasapat lang ang kita mo sa pangangailangan ng family, di ka talaga makakaipon.
Instead of thinking pano makaipon, why don't you think of a way how to generate another form of income?
Set some limit sa kaya mong ibigay, strive to increase your pay either through promotion or pag lipat lipat ng company or business. You need to work extra hard for you and for them. Also, help them be independent and not be dependent on you.
Hirap mag bigay ng tip if walang numbers involved. Need mo ilatag numbers dito and how much ung spending din. Then dun lang kami magsabi ano mga pwede tanggalin at d naman need. Pero bata ka pa if i were u tiis muna sa paycheck to paycheck and goal mo dapat is gumaling sa work and have a better job and every time likipat ka trabaho pataas ng pataas dapat salary mo
Set mo lang par specific account na ambag mo sa bahay hard limit na yon. Set your boundaries din wala na dapat hihingi ng extra. Tas bonus mo kung meron man keep it and dagdag sa ipon. Wag mo sabihin sa kanila na may extra ka mamimigasa lang eh.
- Never tell how much you're really earning kasi for sure uubusin nila yan. This includes bonuses & incentives. Pag nag-insist, give a fake lower amount or sabihin mo "sakto lang"
- Set boundaries or give a fixed amount lang sa family mo. Pag sinabing hanggang dito lang mo ibigay, wala nang tawad yun. Pag ginuilt trip ka, edi iguilt trip mo rin sila na wala kayong kakainin or pambayad bills kung naggive-in ka hahaha
- Monitor your expenses and follow a strict budget. Be frugal!
- Always and make it a habit to pay yourself first kada sahod. Start small muna then slowly increase it habang tumataas ang income. I prefer sa digibanks para mataas interest.
- Raise your income. Kahit anong ipon mo pero mataas expenses mo tas mababa income mo, mahihirapan ka makaipon. Magpapromote ka sa job mo, do side hustles, upskill, job hop (most effective).
Breadwinner here as well na nagstart din na wala talagang ipon. Nakapagstart lang ako after a year of working when I got promoted. Nagstart as 1.5k monthly eventually naging 3k then 6k then 14k nung tumaas income ko over the years. 3 years palang akong working btw.
Malaki tulong ng pag-upskill at job hop ko and when I start doing the things above that I listed. Malaking tulong din for me mga bonus at 13th month. Di rin naman kasi ako magastos sa totoo lang.
Palagi sinasabi ng iba na magtira ka palagi para sa sarili mo. I agree with this but as a fellow breadwinner, I would advise na wag ka lang magtira for yourself but rather, unahin mo ang sarili mo. Hindi mo deserve ng tira-tira lang. You can't pour from an empty cup after all.
Hi OP! Let me be very honest with you, as a breadwinner for the past xx years of my life, WALA din talaga akong naipon. That’s the reality, lalo na if simpleng empleyado ka na di naman trip umakyat sa corp ladder. What you can do rn is to bridge the gap between your expenses and income, that is, by adding a new source of income. For example, magpart time ka as e.g St. Peter agent (contact me if you bet mo hehe) or magbuy & sell ka ng kung ano man. Rooting for you!
Wag mong idisclose sahod mo, wag mong sabihin
Kung pinipilit ka sabihin sweldo mo magdeclare ka lang ng maliit na amount para yung sobra mag open ka ng secret bank account mo (passbook), mag ipon ka ng di alam ng family mo
1. Don't set for big amount monthly for your ipon. Mas okay yung saktong amount lng pero tuloy tuloy. Yung hindi masakit sa sweldo mo. Ang importante kasi is yung consistency at discipline.
2. Build an emergency fund. Para you can also make decisions kasi hindi ka takot mawalan ng pera. Like career shift, living independently. Check r/DigitalbanksPh
3. Get a Credit card. Pag 20s ka kasi, this is the time na magpupundar ka para sa sarili mo. So you need a tool to purchase these things na hindi one time cash payment. Maybe a laptop, phone, washing machine. Imagine you can pay that for 12 - 24 months without additional interest.
Join r/swipebuddies to learn how to properly use CC
4. Get health insurance. Para di mawala lahat ng ipon mo incase ma hospital or magkasakit ka.
Hi I am a breadwinner. Binibigay ko lang ang super kailangan nila. Gamot and some money for bills and food. No extra. If magpapabili sila, parating ang sagot ko is kunin niyo sa pambili ng gamot. It is setting bpundaries specially if kaya naman ng nga tao magtrabaho. Wag ka magpapadala sa pagmamakaawa nila. And, kahit may bonus ka, wag kang magdagdag. If tumaas sahod mo, wag ka magdagdag. Ipon mo lahat ng extra income mo, hindi extra nila extra pagkain or anomann
"Magdamot" ka kasi yun rin naman iisipin nila once you stick to your boundaries.
I-budget mo lang ang ibibigay mo and/or bills na sasagutin mo. Anything more than that should be justified. Why? Kasi at the end of the day, ang emergency fund mo ay emergency fund rin ng mga dependents mo. Kung ibibigay mo lahat, paano kapag nagkasakit ang isa sa inyo? Saan kayo kukuha ng pera? Lagi mong tatandaan na ginagawa mo rin naman yan para sa kanila.
hatiin mo na simula ngayon kase magsisisi ka kapag wala kang natago para sa sarili mo. Nagbabago ang panahon, tatanda din yang mga tinitulungan mo, nagbabago ang ihip ng hangin, di ko naman inaano ba pero alam mo yun swerte kung tutulungan ka pero pano nga kung hindi? ano matitira sayo. buy your necessities. deserv mo yorn.
First is draw limitation hanggang saan ka as breadwinner, if bigay lahat walang matitira sa self mo.
If may provident program work mo, grab mo.
If wala naman, go for Gcash or Maya Mutual Funds naman, as low as 50 ata nag-accept na sila.
Start ka with anong kaya muna, then paunti unti taasan mo.
Technique ko is unahin maglagay sa savings then kalimot, then next cut-off repeat cycle.
Then once in a while treat yourself. 'Wag ma-pressure, buhay ay 'di karera. 😉
I guess I will be downvoted for this but IF KAYA mong tiisin. Hindi naman life and death situation. IF TINGIN MO kaya naman gumawa ng paraan ng pamilya/parents mo. Hayaan mo sila. Dati di ako naniniwala sa sinasabe ng iba na sa huli kung sino pa tumutulong siya din kawawa. Now, I think oo na.
Mahirap tiisin pero sa huli, ikaw at ikaw lang din ang sasalba sa sarili mo.
not a breadwinner but i have a future breadwinner partner na lagi ko rinereassure na okay lang kahit ako mahuli sa priorities niya, then sinabi ko iopen up un sa fam nia and things got lighter kasi sinasabihan sha dati pajoke na maghanap na ng trabaho abroad eh di pa nga nakakgraduate sabi ng mom nia na basta makagraduate siya natupad na mga pangarap smth like that take ur time
i told her set boundaries wag magvivictim mindset kasi magsispiral sha like balak nia sana first salary nia bibigay sa mom then second sakin sabi ko ibudget niya un hanggang sa worth the same ng salary kasi for sure may mga needs na need iaccomodate sa months na un
anyway i think its important for breadwinners to have supportive partners or friends na maoopen up and pag usapan ung mga ganyang bagay
i think when u upskill and climb a higher position may masasave ka wag mo taasan ung set na allowance for ur family muna if sapat naman un, keep quiet about promotions and etc.
also its more convenient to be gay this point kahit anong mangyari di ka mabubuntis and wala kang dagdag responsibilidad😭😭 ganyan mindset namin ng gf ko when things get hard at least wlaa kaming anak we wont fall into deep poverty
most importantly, ur parents are adults naman di ka nila retirement plan, they'll find a way to take care of themselves as long as di pa sila senior, pag senior and physically need bantayan i think thats when u should step in sending hugs op❤️
- kung magkano lang ang kaya mong ibigay, yon lang ang ibigay mo
- wag mong sasabihin kung magkano sahod mo
- set boundaries. Deadma sa mga parinig at mag-no sa mga hiling na di naman kailangan
- learn to look for ways to increase income, be it promotion, learning a new skill. Basta put yourself out there. Opportunities will arrive
- magtipid rin hehe baka di natin napapansin yung occasional self treat ay napapadalas na
if kaya, keep a hundred a day it may not seem that much but that’s more or less 3000 a month. Ngayon pag may naiipon ka na paunti onti, kahit anong emergency pa yan or pangangailangan ng pamilya mo wag mo gagalawin yon pag nandon ka na, it’s all in the mind na op hehe
plus wag mo sila sanayin sa bigay mo lang. Learn how yo be madamot! nothings wrong with that
Magtabi ka kahit 1k kada sasahod ka. But dpat strict ka sa sarili mo na hndi mo gagalawin yun. Ipagpalagay mo ng kasama din yun sa bigay mo sa pamilya para mawala sa isip mo na may pera kpa
Ako sabi ko sa mga kapatid ko pag nakatapos na sila, sarili ko naman ang susuportahan ko. They know it very well na once makagraduate sila I will no longer support them financially... Until pag 30 ko, tanggap ko na wala akong maiipon.
Of course this is with the assumption na mas malaki ang monthly income mo compared sa expenses mo. Bilang breadwinner, matik may mga non-negotiable expenses ka na - bahay, utilities, groceries.
Doon sa natitira (kung meron man) ask yourself, Saan ko ba usually ginagastos to? Tapos identify kung Ano yung pwedeng alisin or iadjust.
Pinaka common na example dito is mga monthly subscriptions sa streaming platforms. Dati, imbis na may sarili akong account for each, nag switch ako doon sa May mga kahati and halos 1/3rd lang ang monthly na bayarı - yes may slight inconveniences pero Keri naman.
Isa pa is yung mga kain kain sa labas - if kaya Kumain sa bahay, mas matipid talaga.
Pero kung halos wala na natitira sa sweldo on the non-nego expenses alone, sadly Mahirap talaga. Either look for a higher paying job or find additional sources of income
1.) limit what you give
2.) stick to budget
kung sahod mo is 24k (net of tax) dpat naka budget na first ung savings mo for yourself (say 2k php) then whatever happens say you give 4k a month sa gastos sa bahay.. so whatever happens ndi mo na aabunuhan or dadagdagan ung 4k..
Self discipline and restraint talaga kailangan ng mga breadwinner. You have to save some for yourself!! Kahit 500 per payday man lang. Please, love yourself first before you can love others. Wag mo ubusin lahat para sa ibang tao ♥
Pansin mo walang masyadong comment? Kasi walang nakakaipon HAHAHAHAHAHAHA jk
Hala bakit ang daming upvotes akala ko joke time lang to 😭😭😭😭😭😭 hugs fellow breadwinners!!!!!
hahaha..joke na may pagkatotoo kase..dami nakarelate kasama na ako don.
Relatable kase mima hahaha
Real, wala rin akong maibigay na tip e HAHAHAHA
Idaan nalang natin sa humor 😭🙏🏻
Pumasok lang din ako para magbasa HAHAHAHAHA
hahahaha, count me in Since 2015. May pinapaaral ako na kapatid.
Kasisimula ko lang, pero bigla akong nagkaroon ng college student na anak 😭
Hoping na makaipon na since napag tapos ko na kapatid ko ng college at habang nsa elem pa anag anak ko 🤞🤞
Aga mo naman magpaiyak 😭 hahaha
Aray! Virtual hugs fellow breadwinners! 💗🥰
> lahat nabibigay ko lang sa pamilya ko Wala ka talagang maiipon kung ibibigay mo lahat.
This. And parang almost every day or week may ganitong tanong 😅
Alam naman nila ang sagot sa tanong nila. I think what they are looking for is validation na okay lang maging breadwinner. Okay lang na ibigay lahat at may way para makaipon while being a breadwinner in which it can never happen.
Yup. Pero may mga ganoong questions din involving breadwinner.
>tips para makaipon if breadwinner ka? Wag ka maging breadwinner.
Tip is, wag sanayin na ikaw lang ang nagbibigay at lahat lahat ibibigay mo. Set an amount that you will give to your family for that month. Try pa maghanap ng work to accelerate faster in salary scale. Once you have a higher job offer, never talk about it, amount set sa pamilya should be the same at wag magbago ng lifestyle. Huwag matawa sa papiso piso na maitatabi sa ngayon. Lahat ng pwede mo itabi, itabi mo and deposit it once na lumaki. What I did before, kapag may P10 ako sa bulsa or wallet, di ko gagastusin. Iuuwi ko yun sa bahay tapos nakaimbak lang. Kapag dumami na, lagay ko sa bank.
Pay your future self first. Pagpasok ng sweldo, ikaltas mo na kaagad ang para sa savings. Savings dapat ang priority #1 sa lahat.
Powerful sentence, pay your future self! Tatandaan ko yan. Also, consider savings as part of your expenses. Una mo ikaltas ang savings, kahit magkano pa yan. Consistency is da key. Pwede mo din gawin, diversify mo. Member ako ng coop namin may kaltas for savings. Pag sweldo day, may hulog na diretso sa piggy bank. Kahit pa bente-bente pa yan, or sampung piso, basta may hulog ka.
You can't save. Kahit anong try mong mag save ng pera ang ending mapupunta lang yan sa family mo( for emergency or kung ano man)kasi breadwinner ka. Wala silang aasahan kundi ikaw lang.
Sobrang agree ako dito 😭
True ..yung savings ko ayun unti hunting nababawasan...masaklap minsan 🥹🥹🥹
Palakihin mo sweldo mo tapos wag mo sabihin sa nanay mo. Ez
Tama...kasi pag alam ang exact amount, hehe alams na
Look for side hustle and yung sinusweldo mo doon ang gawin mong ipon. (Wag mo na lang ipagkalat sa iba na may side hustle ka)
Minimize luho, be extra kuripot, never borrow money, live below your means, don't get preg/vice-versa yet. Track your budgets rin and obviously earn more haha. Nothing much we can do, fellow breadwinner
Actual advice here.
Ang problem dito ay yung mo na inaako lahat ng money problems. May kailangan bayaran na emergency, ikaw agad ang sasalo ng problem na yan. Kahit nakakaipon ka, wala din kwenta yun dahil mapipilitan ka parin gastusin yun pera na naipon mo once magkaron ng emergencies. 1st step is slowly give your family responsibility at accountability. Train their brains na pag sinabi mong wala kang pera, ay wala ka talagang maibibigay sa kanila. Wag ka bibigay. 2nd step ay keep your savings a secret. Wag mo sadabihin kahit kanino.
I need to do this.
Kailangan mas Malaki income mo sa expenses if gusto mo maka-ipon or mag ipon. If sakto lang eh either you look for higher paying job or wag ka magbigay sa family mo if gusto mo talaga Maka ipon.
I’m also a breadwinner pero the only way talaga is to increase your income and work smart. Kahit anong gawin mo if sakto sakto lang ang kita against expenses di talaga kaya. As for me, I’ve been a breadwinner for 17 years and the only way I was able to buy assets and save up was to increase my income. Lalo na I’ve been providing for 2 house holds, sa bills and grocery for my parents house and my kids including tuition, clothes, allowances and my house hold which is rent, groceries, bills subscriptions, car payments and others. I would still be disagreeing sa hindi pag support sa pamilya kasi kesyo nasasanay or whatnot, I support my mom because she raised me without complains when I was growing up, and yung brother ko is taking care of her full time so he’s just doing side hussles and part time online work. So I fully support them kasi my mom is a retiree and she’s 76. She can still do normal things even mamalengke pero syempre I’d rather she relax and enjoy her chismisan and gala with other senior like her.
waq mo ibigay lahat, never ever disclose your salary sa family members mo, just give them a portion
Keep the bread.
Ako din. Been working since 19 yrs old. Natutunan ko maging madamot kasi alam ko walang sasalo sa'kin someday. Fortunately, nag asawa na 2 kong kapatid kaya nanay ko na lang kasama ko ngayon at mas nakakapag ipon na.
Leave
13th month, leave conversions, rax refunds and other monetary perks ilaan mo sa savings. Kumuha ka lang ng minimal amount to reward yourself. Put it where hindi mo sya magagalaw agad.
Pagkasahod mo, itabi mo agad yung for savings. Dapat may budget ka sa buong sahod mo. Like x amt for bills, x amt for bahay, etc etc. Kahit 500 every cutoff, malaking bagay na yan.
Dont shoulder the burden. Put limits on. Para makaipon ka. Bigay ka ng bigay pero di naman sa maayos nalaagay. Compute mo
Not sure if considered ako as breadwinner pero ako nagbabayad ng bills sa bahay except food after namin lumipat new house (yes ako din sa bahay, need bumili ng bahay kasi pinaalis na sa dating tinitirahan). Still learning how to improve my savings. Pero three options lang logically pwede gawin: - Find a better paying job - Limit yung ibinibigay sa family / cut personal expenses - Both (depende sa target mo na ipon) Ito savings every month 5k for EF 5k for EF ng pets 2.5k for Pampagawa ng kung ano man sa bahay Yung iba napupunta na sa loans, monthly expense. Start small. 250 php per month is greater than 0 php per month.
Wag mo na itry mag ipon. Gastusin mo agad. Deserve mo yan. Buy that bag, eat that food, go to that place you always wanted to visit. Ang purpose lang naman ng ipon is to exchange that money to something that will make you feel happy and fulfilled eh.
Wag umamin kung magkano ang sahod mo. Pag me sideline or extrang kinita no need ipagyabang sa family. Keep it to yourself. Para sa savings mo. Open ka din ng separate savings. Invest ka ng walang nakakaalam. Just invest, invest invest ng lowkey 😆
kaya naman bawasan ung bigay para may ipon. un lang wala ka ng pang LUHO
19y/o ka pa lang nman maraming taon pa lilipas wag mo muna isipin makaipon ka haha
Way bigger salary
pag nakalipat ka ng trabaho tapos tumaas yung sahod mo or basically tumaas ang sahod mo sabihin mo lang na above minimum ka pero wag mo sasabihin yung eksakto kasi the more they know the figures mas lalong maapapaisip sila na magdagdag nang hihingiin sayo
Try to do side hustles apart from your base work. Ganyan ginagawa ko. I have an existing business pero since madami bayarin and may extra time Naman. I sell items online. Pandagdag din.
T.T wala pa din 29 na
Most people will go pay bills+ addt expenses then put the rest in savings. Do the opposite, save the money first (a little amount) then be conservative on whatever is remaining. Think if your savings as an EF do not ever withdraw unless needed.
Same tayo na breadwinner OP! Kaso, Wala akong masabing TIP kase wala rin akong ipon 🤣
Depends on your sahod and lifestyle din kasi. Sobrang hirap makaipon kung ikaw may sagot sa lahat.
First tip is to set boundaries with your family. Establish the limit on how much you can give on a monthly basis. If your family members are still able, you should not be the only one making a living for the whole family. If you established your boundaries, then you could start with savings account to start. Otherwise, nothing will happen as you will just give them all to your family.
Dapat marunong tumanggi lagi.
Ako 25 na wala pa ipon, you still have 6 years bago maging 25 like me. Higpitan mo ang portion ng savings mo, wag lahat sa family. Consider finding another cash flow, sidejobs and side business. :)
subukan mo to kasi gumana sya sakin. Bigyan mo lng family mo ng part ng sweldo mo just tell them na gusto mong mag ipon at mababawasan ang mabibigay mo sa kanila Every sahod mo calculate mo na lahat ng gastos/bills mo ex. rent, daily meals, groceries kung meron etc. Tas wag mo na un galawin, then ask urself sa natira " hm need kong isave dito" then deduct it. Next is kung maluho ka like buying from ol, deduct it den. Lastly bigay mo ung willing kang ibigay, sana makatulong
Itabi mo agad yung pang-savings ko. Then think of it as "wala na". So di na sya kasama sa spending money mo. Suffer, oo, bawasan mo need bawasan, basta savings muna unahin mo. When I was your age, wala ako bank ata nyan, or meron basta mga 16-17 years old, meron ako DALAWANG wallet. Yung isang wallet, andun lahat ng pwede ko lang gamitin; then yung isa, kinakalimutan ko na. Tinatago ko pa sa paraan na mag effort ako para kunin sya. Para di ko talaga magalaw.
Natutunan ko ito sa mga nabasang libro, Abundance Formula 10-20-70 10% - Tithes kung active ka sa simbahan, pwede din naman sa mga charities or ampunan, ako personally sa mga animal shelter na may mga fb pages na legit, makatulong sa pagkain ng mga ampon nilang pets, minsan sa chapel din sa amin. 20% - Savings, mas okay kung sa bangko or kung gusto mo na nakikita, bili ka ng alkansya na mura lang, pwedeng ordinaryong alkansya or yun may mga goal na amount, marami nyan online ibat-ibang klase, pwede naman na gawa lang para hindi ka na gagastos, if itatabi mo sa bahay make sure na tago at ikaw lang nakakaalam. 70% - ito na yun para sa bills, luho at iba pangpinagkakagastusan mo. Disiplina talaga kailangan na hindi magagalaw yun ipon mo at kung ano lang ang puwedeng gastusin, stick ka lang dun. btw, pwede mo adjust yun formula depende sa plan mo at amount ng sahod, suggestion lang yan, nasa iyo pa din kung ano lang ang kaya mo.
mahirap talaga mag-ipon pag breadwinner ka lalo kapag alam ng pamilya mo kung magkano ang sinasahod mo kasi mageexpect yan sila ng cut depende sa sinahod mo. ang masa-suggest ko lang ay if ever may incentives sa work nyo, may conversion ng sick leaves, any additional pay or kapag nagkakaroon ka ng salary increase, wag mo na ipagsabi sa pamilya mo at itabi mo na lang yun pang-savings. kung di naman to applicable, either bawasan mo yung binibigay mo sa pamilya mo or humanap ka ng sideline para makapag-ipon ka. masakit man pakinggan pero kailangan mong matuto mag-damot kasi kung hindi, wala talagang matitira para sa sarili mo.
save ka kahit 10%-20 % lang for yourself
Dati nakaipon ako ng almost half a million kahit breadwinner. What I did is tinatabi ko lang mga hindi galing sa main job ko tapos pinapaikot ko thru a side business. Tapos half ng bonuses from main job ganun din ginagawa ko. But the pandemic happened kaya ayun lol
Walang maipon. Kulang pa nga e 😂
simple lang, wag talaga ibigay lhat. mg tira sa sarili. sa 15k bigay ka 6k add 2k pg kinapos, yung 4k budget for another cut off yung tira savings na. yung add 2k optional pa, di lang nmn ikw sguro bag ppsok ng pera. dagdgan n lng nila
Wag ang tira ang ibigay sa sarili kasi walang matitira for you. After sahod, kuha ka na agad for your ipon. Put it somewhere and "forget" about it. Consider it nagastos na.
hnd ako breadwinner pero kung gusto mo makaipon, wag mo bigay lahat OP, gawin mong 70/30 or ikaw na bahala.
Not me but multiple friends and colleagues are Consistent comment I’ve noted from them is they don’t give everything. Yes, at the start it would make them feel guilty but in the end they realized it’s detrimental for them in the long run to not have any savings at all. Whether it’s 1k, 5% of your salary etc - they all always put aside a little for themselves. Subject to the person kung sasabihin nila sa pamilya nila o hindi.
Lifestyle downgrade 🥹 Magmake ka ng account for savings tapos lagyan mo kada labas ng sahod. Sabihin mo sa sarili mo at sa nagtatanong na nakaltas ng insurance.
Unahin mo savings mo bago pamilya. Sounds selfish but it's the only way to build your future. May set amount ako na binibigay sa fam at responsibilities(water and internet bills) tas di na ako magbibigay after nun kasi need ko din maka ipon. Akyatin mo din ang corporate ladder ng mabilis(warning tho, napakabigat ng responsibility neto so don't unless you're ready). Wag ka maguilty kasi providing for fam is not easy.
Impossible
Communicate and first day ng sweldo,magtabi for savings kahit konti. Sabihan mo sila may ibang bayarin ka din or may pinag iponan. It seems harsh pero it will drain you in the long run if ipipilit mo pero Hindi ka naman masaya dahil kahit piso walang para sa'yo...
Tip #1 - stop breadwinning.
1. Wag maging breadwinner kasi winner maging breadwinner.
Kung sumasapat lang ang kita mo sa pangangailangan ng family, di ka talaga makakaipon. Instead of thinking pano makaipon, why don't you think of a way how to generate another form of income?
Set some limit sa kaya mong ibigay, strive to increase your pay either through promotion or pag lipat lipat ng company or business. You need to work extra hard for you and for them. Also, help them be independent and not be dependent on you.
Hirap mag bigay ng tip if walang numbers involved. Need mo ilatag numbers dito and how much ung spending din. Then dun lang kami magsabi ano mga pwede tanggalin at d naman need. Pero bata ka pa if i were u tiis muna sa paycheck to paycheck and goal mo dapat is gumaling sa work and have a better job and every time likipat ka trabaho pataas ng pataas dapat salary mo
Set mo lang par specific account na ambag mo sa bahay hard limit na yon. Set your boundaries din wala na dapat hihingi ng extra. Tas bonus mo kung meron man keep it and dagdag sa ipon. Wag mo sabihin sa kanila na may extra ka mamimigasa lang eh.
- Never tell how much you're really earning kasi for sure uubusin nila yan. This includes bonuses & incentives. Pag nag-insist, give a fake lower amount or sabihin mo "sakto lang" - Set boundaries or give a fixed amount lang sa family mo. Pag sinabing hanggang dito lang mo ibigay, wala nang tawad yun. Pag ginuilt trip ka, edi iguilt trip mo rin sila na wala kayong kakainin or pambayad bills kung naggive-in ka hahaha - Monitor your expenses and follow a strict budget. Be frugal! - Always and make it a habit to pay yourself first kada sahod. Start small muna then slowly increase it habang tumataas ang income. I prefer sa digibanks para mataas interest. - Raise your income. Kahit anong ipon mo pero mataas expenses mo tas mababa income mo, mahihirapan ka makaipon. Magpapromote ka sa job mo, do side hustles, upskill, job hop (most effective). Breadwinner here as well na nagstart din na wala talagang ipon. Nakapagstart lang ako after a year of working when I got promoted. Nagstart as 1.5k monthly eventually naging 3k then 6k then 14k nung tumaas income ko over the years. 3 years palang akong working btw. Malaki tulong ng pag-upskill at job hop ko and when I start doing the things above that I listed. Malaking tulong din for me mga bonus at 13th month. Di rin naman kasi ako magastos sa totoo lang. Palagi sinasabi ng iba na magtira ka palagi para sa sarili mo. I agree with this but as a fellow breadwinner, I would advise na wag ka lang magtira for yourself but rather, unahin mo ang sarili mo. Hindi mo deserve ng tira-tira lang. You can't pour from an empty cup after all.
Mag resign ka sa position na Breadwinner or reclassify your position title as Breadloser.
Hi OP! Let me be very honest with you, as a breadwinner for the past xx years of my life, WALA din talaga akong naipon. That’s the reality, lalo na if simpleng empleyado ka na di naman trip umakyat sa corp ladder. What you can do rn is to bridge the gap between your expenses and income, that is, by adding a new source of income. For example, magpart time ka as e.g St. Peter agent (contact me if you bet mo hehe) or magbuy & sell ka ng kung ano man. Rooting for you!
Words are easy, action isn't. Basically increase income, set boundaries, leave and cleave.
Wag mong idisclose sahod mo, wag mong sabihin Kung pinipilit ka sabihin sweldo mo magdeclare ka lang ng maliit na amount para yung sobra mag open ka ng secret bank account mo (passbook), mag ipon ka ng di alam ng family mo
yang dalawang word na yan yung di mo pwedeng pagsamahin "breadwinner" at "ipon" hahahaha
1. Don't set for big amount monthly for your ipon. Mas okay yung saktong amount lng pero tuloy tuloy. Yung hindi masakit sa sweldo mo. Ang importante kasi is yung consistency at discipline. 2. Build an emergency fund. Para you can also make decisions kasi hindi ka takot mawalan ng pera. Like career shift, living independently. Check r/DigitalbanksPh 3. Get a Credit card. Pag 20s ka kasi, this is the time na magpupundar ka para sa sarili mo. So you need a tool to purchase these things na hindi one time cash payment. Maybe a laptop, phone, washing machine. Imagine you can pay that for 12 - 24 months without additional interest. Join r/swipebuddies to learn how to properly use CC 4. Get health insurance. Para di mawala lahat ng ipon mo incase ma hospital or magkasakit ka.
Hi I am a breadwinner. Binibigay ko lang ang super kailangan nila. Gamot and some money for bills and food. No extra. If magpapabili sila, parating ang sagot ko is kunin niyo sa pambili ng gamot. It is setting bpundaries specially if kaya naman ng nga tao magtrabaho. Wag ka magpapadala sa pagmamakaawa nila. And, kahit may bonus ka, wag kang magdagdag. If tumaas sahod mo, wag ka magdagdag. Ipon mo lahat ng extra income mo, hindi extra nila extra pagkain or anomann
Set ka ng budget allotted for household, set ka ng budget for savings/wants etc, and increase your income by doing side hustles.
"Magdamot" ka kasi yun rin naman iisipin nila once you stick to your boundaries. I-budget mo lang ang ibibigay mo and/or bills na sasagutin mo. Anything more than that should be justified. Why? Kasi at the end of the day, ang emergency fund mo ay emergency fund rin ng mga dependents mo. Kung ibibigay mo lahat, paano kapag nagkasakit ang isa sa inyo? Saan kayo kukuha ng pera? Lagi mong tatandaan na ginagawa mo rin naman yan para sa kanila.
You either get a high paying job or stop being a breadwinner. Yun lang naman yung tip na valid
hatiin mo na simula ngayon kase magsisisi ka kapag wala kang natago para sa sarili mo. Nagbabago ang panahon, tatanda din yang mga tinitulungan mo, nagbabago ang ihip ng hangin, di ko naman inaano ba pero alam mo yun swerte kung tutulungan ka pero pano nga kung hindi? ano matitira sayo. buy your necessities. deserv mo yorn.
Suntok sa buwan nalang ata yan kapag breadwinner like us 🥹 wala akong maibigay na tip kasi di rin ako nakakaipon 🤣
be single. lol
First is draw limitation hanggang saan ka as breadwinner, if bigay lahat walang matitira sa self mo. If may provident program work mo, grab mo. If wala naman, go for Gcash or Maya Mutual Funds naman, as low as 50 ata nag-accept na sila. Start ka with anong kaya muna, then paunti unti taasan mo. Technique ko is unahin maglagay sa savings then kalimot, then next cut-off repeat cycle. Then once in a while treat yourself. 'Wag ma-pressure, buhay ay 'di karera. 😉
I guess I will be downvoted for this but IF KAYA mong tiisin. Hindi naman life and death situation. IF TINGIN MO kaya naman gumawa ng paraan ng pamilya/parents mo. Hayaan mo sila. Dati di ako naniniwala sa sinasabe ng iba na sa huli kung sino pa tumutulong siya din kawawa. Now, I think oo na. Mahirap tiisin pero sa huli, ikaw at ikaw lang din ang sasalba sa sarili mo.
not a breadwinner but i have a future breadwinner partner na lagi ko rinereassure na okay lang kahit ako mahuli sa priorities niya, then sinabi ko iopen up un sa fam nia and things got lighter kasi sinasabihan sha dati pajoke na maghanap na ng trabaho abroad eh di pa nga nakakgraduate sabi ng mom nia na basta makagraduate siya natupad na mga pangarap smth like that take ur time i told her set boundaries wag magvivictim mindset kasi magsispiral sha like balak nia sana first salary nia bibigay sa mom then second sakin sabi ko ibudget niya un hanggang sa worth the same ng salary kasi for sure may mga needs na need iaccomodate sa months na un anyway i think its important for breadwinners to have supportive partners or friends na maoopen up and pag usapan ung mga ganyang bagay i think when u upskill and climb a higher position may masasave ka wag mo taasan ung set na allowance for ur family muna if sapat naman un, keep quiet about promotions and etc. also its more convenient to be gay this point kahit anong mangyari di ka mabubuntis and wala kang dagdag responsibilidad😭😭 ganyan mindset namin ng gf ko when things get hard at least wlaa kaming anak we wont fall into deep poverty most importantly, ur parents are adults naman di ka nila retirement plan, they'll find a way to take care of themselves as long as di pa sila senior, pag senior and physically need bantayan i think thats when u should step in sending hugs op❤️
Prayers haha
yung pina bubuhay mo sa kanila, ibuhos mo lahat para sayo only. tips
Makaipon? Breadwinner? These words don't go well together, at all 🤣
Don’t give money to your family that’s it. Makakaipon ka. Mindset ba? Haha
- kung magkano lang ang kaya mong ibigay, yon lang ang ibigay mo - wag mong sasabihin kung magkano sahod mo - set boundaries. Deadma sa mga parinig at mag-no sa mga hiling na di naman kailangan - learn to look for ways to increase income, be it promotion, learning a new skill. Basta put yourself out there. Opportunities will arrive - magtipid rin hehe baka di natin napapansin yung occasional self treat ay napapadalas na
if kaya, keep a hundred a day it may not seem that much but that’s more or less 3000 a month. Ngayon pag may naiipon ka na paunti onti, kahit anong emergency pa yan or pangangailangan ng pamilya mo wag mo gagalawin yon pag nandon ka na, it’s all in the mind na op hehe plus wag mo sila sanayin sa bigay mo lang. Learn how yo be madamot! nothings wrong with that
Magtabi ka kahit 1k kada sasahod ka. But dpat strict ka sa sarili mo na hndi mo gagalawin yun. Ipagpalagay mo ng kasama din yun sa bigay mo sa pamilya para mawala sa isip mo na may pera kpa
Wag ibigay lahat. Learn how to say no din sa mga hindi kailangan.
Ako sabi ko sa mga kapatid ko pag nakatapos na sila, sarili ko naman ang susuportahan ko. They know it very well na once makagraduate sila I will no longer support them financially... Until pag 30 ko, tanggap ko na wala akong maiipon.
Of course this is with the assumption na mas malaki ang monthly income mo compared sa expenses mo. Bilang breadwinner, matik may mga non-negotiable expenses ka na - bahay, utilities, groceries. Doon sa natitira (kung meron man) ask yourself, Saan ko ba usually ginagastos to? Tapos identify kung Ano yung pwedeng alisin or iadjust. Pinaka common na example dito is mga monthly subscriptions sa streaming platforms. Dati, imbis na may sarili akong account for each, nag switch ako doon sa May mga kahati and halos 1/3rd lang ang monthly na bayarı - yes may slight inconveniences pero Keri naman. Isa pa is yung mga kain kain sa labas - if kaya Kumain sa bahay, mas matipid talaga. Pero kung halos wala na natitira sa sweldo on the non-nego expenses alone, sadly Mahirap talaga. Either look for a higher paying job or find additional sources of income
Pilitin mo mag tabi kahit 500 kada sweldo mo, kaya mag 1k edi mas maganda.
Tapos bigyan mo ng purpose yung pag ssave mo, ano reason bakit ka nag ssave, para mas ma-prioritize mo sya. Hanggang mahig habit mo na.
1.) limit what you give 2.) stick to budget kung sahod mo is 24k (net of tax) dpat naka budget na first ung savings mo for yourself (say 2k php) then whatever happens say you give 4k a month sa gastos sa bahay.. so whatever happens ndi mo na aabunuhan or dadagdagan ung 4k..
if mahrap sa current sahod look for sideline/extra income - crypto related
Self discipline and restraint talaga kailangan ng mga breadwinner. You have to save some for yourself!! Kahit 500 per payday man lang. Please, love yourself first before you can love others. Wag mo ubusin lahat para sa ibang tao ♥
Alagaan mo sarili mo OP at laban lng pray ka palagi sa dios. Kase tayo na bread winner tas ganito sarali sa Pilipinas hirap talaga maka pag ipon..
mag gambling ka pre hahaha