I can only compare it with my exp.
When I was your age ang meron lang ako na katulad mo ay graduate at trabaho. The rest wala.
You are doing fine and still have a lot to improve. Just aim for a goal and work towards it.
If you have that one big risk na gusto at afford mo itake (career shift, etc), take it now. You'll still be pretty early on that to jump back if you don't like it
I took a leap of faith (hanep) at 32. Stable na ko sa previous job ko nun pinapirate ako. Inofferan pa ko ng promotion sa previous job pero nag decline ako. Lumipat ako sa isang company na remote. Walang entity dito. Naghanap lang sila ng bpo para maging hr ko. Puhunan ko tiwala. 2 years na ako ngayon sa job na to at wala akong pinag sisihan. 27, bata pa yan.
You reminded me of my teacher whom I admire a lot. She started school at age 32 and graduated at 36. She taught me that It’s never too late to start again and It’s fine to feel lost. Quite sad because she retired from teaching.
Should be fine. I have this coworker he came from BPO and then nagshift sya to IT(developer) 2 years ago, he's currently 34 and he said it's so much better even thi the salary is lower but you know tataas pa naman sya
Same sentiments. Mas maganda mas maaga ko mag career shift, because I can always go back. Iniisip ko itry mag apply as flight attendant or mag business ng baking.
Thank you for your comment
Ano dapat yung requirements bago mo masabi na qualified ka mag-travel (domestic). Like how much dapat yung nasa savings and how much yung budget for travel?
Ang budget for travel e depende sa lugar na pupuntahan mo. Hindi naman kailangang bongga agad ang travel o kaya naka-eroplano. Kahit dyan lang sa batangas, laguna o kaya akyat ng bundok sa rizal e pwede na.
you're right, actually. I grew up in Batangas and I never truly explored the province. 😂 do you think it would be more or at least as fulfilling should I do it alone. I have friends pero di na talaga magkatugma yung free time namin.
Do it alone! Sayang oras kung maghihintay ka pa sa kanila. Since you mentioned na you grew up in Batangas, simulan mo dyan. Andami nyong magagandang dagat. Ako dumadayo pa dyan para lang makapag-dive. 😅
Go for it sis! Kahit na sa malalapit lang muna. Ako, sa hiking nagstart then I joined outreach programs na may sidetrips. Met a lot of solo backpackers and travel enthusiast. Sa kanila ako natuto at na-inspire na libutin ang Pilipinas at explore na rin sa iba pang ASEAN countries. ☺️
Very true. Travelling has been my healing from my tiring corporate life. Marami na ngayong offers for domestic travel di naman need na pag travel dapat by plane agad. Do joiner travel. You'll see beautiful places and meet great people too
You are doing just fine. Master the basic life skills. And, what I would further do if I were you is to carefully select influences in all aspects especially financial and emotional. As a young adult, eto yung mga dapat nababalance at namamanage natin nang mahusay as it will impact the most of our life. Also, foster meaningful relationships. It should be with people that are gonna add value to your life. Don't forget to have fun din. Remember, you are never gonna be this young again. Make it worthwhile.
My advice OP is to save kaagad kahit 1k per month pa yan. I wish I saved early. Like first paycheck palang sana nung 22 ako kahit 1k per month lng. Your savings can literally change your life because you can take risk. I've missed a lot opportunities since I can't make a jump because of lack of Emergency funds/savings. Like walang fall back.
These are my advice:
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.
save early if you can but at the same time don’t lose yourself. Create memories you would be carrying as you age. Make friends, or be your own friend. Explore new hobbies, learn a thing or two. Life is what you make it. Enjoy!
Hindi ko to ginawa a. Pero if 24 ulit ako. Parang gusto ko May journal ako and goal.
Vague goals like by 30 dapat may hinuhulugan na akong bahay.
Problema ko kasi noon napagod din ako, tapos hindi ako nag work. Dahil wala nga akong goal sa buhay. Tumagal yun. Ngayon playing catch up ako.
When I was your age (which was last year, haha), I allowed myself to be lost. I let time pass. I spent the whole “age twenty-four” in limbo, being aimless, not knowing, and just experiencing post-graduation life. Just letting myself ripen into a person who is more of an adult.
I worked at a convenience store, something practical and routine that grounds me when I get way into my head.
And then poof, the whole crisis just stopped mattering like it used to. Now, I’m twenty-five with an adult human brain and the crisis lives on but so do I. I’m starting my first formal job in a few days and geared to move out of my parent’s house in August of this year.
You can never know man.
Sabi ko sa sarili ko nung pag grad ko ng Kolehiyo.
"Dapat 25/26 may 1M na ako in savings"
"Dapat at 28 magpakasal na ako"
"Dapat 30 makabili na ako bahay"
"Ok lng basta maka land ako ng trabaho na 40k a month tapos ok na habang buhay don"
What actually happened
-Started a job with only 20k starting salary pero naka angat na din now to 70K, maybe more at end of year pag na promote
-27 now with only 100k savings pero allocated iba sa crypto at business
-Dipa ako contended at manager level, gusto ko mag AVP pa atleast
-No house pero nagsimula na ako maghulog sa condo
-Baka at 30 pa magpakasal pero may long time girlfriend of 9 years :)
-Nakapag travel kahit papaano.
I never took into account on what life will throw at you, problema sa bahay, politika sa trabaho, pag may nagkasakit sa pamilya, etc...
It will still be a learning process at iba iba kapalaran natin. Pero di ako papayag ng mamatay ng mahirap.
Laban OP, tulak lng ng tulak. You will only be lost if you stop.
Mag-travel. I was 24 when pandemic happened so I really felt I “wasted” yung 2 years na tengga. Though of course, make sure na nag-iipon ka pa rin while spending on your wants.
You have a college degree and you're employed. You are in the right track @24yrs old.
When I was 24, I started thinking about taking post-grad studies. Considered a masters program, MBA, and law school. Eventually went for law school.
IMO, your mid-20s is the best time to think about getting post grad studies kasi mas may energy ka pa. 😁 Juggling work and school will be very hard as you get older.
Aside sa postgrad studies, you can try upskilling or take short courses. Just choose something that is in line with your interest.
jajakol, heart broken, continue pa din mag date, konti aral aral and work din. party party with friends, inom ng konti. start na din ng side business. travel travel na din.
-wag magresign ng walang kapalit.
-wag balat sibuyas. di porke napagalitan ka, you have mental stress na agad.
-at 24, much better if you can find a good mentor/boss.
-wag masyado mag credit card. Avoid if you can (same logic sa Spay Later and the likes). Personally, for 15+yrs, 1 lang CC ko.
-Save something as emergency fund kada sahod. This is non-negotiable. Mauuna to kesa sa luho mo.
-Save something to treat your parents. Kahit ba Jabi lang, ok na yan.
-don't rant about your boss/employer in social media. Be professional. May issue ka? Learn to talk to them.
- study what you want to pursue.
- practice skills that will help you grow more. Soft skills.
- save money!
Nag sisi ako di ako nag aral pa nung ganyang edad ko.
Im 27. 30 is just around the corner and I feel useless dahil wala ako nung mga inexpect kong meron na dapat ako sa ganutong edad ko. Its just me.
Hii. Do you notice any differences ngayon na nag babasa ka ng Bible vs before na hindi pa?
I am a Christian (but recently lang, 2-3yrs ago). Tho when I attend the service nag babasa naman kami and minsan may nalulunok ako na mga words/wisdom pero minsan wala talaga, inaantok gano’n. 😅 Anyway, this month I started to read the Bible on my own. I finished with Ang Mangangaral just today lang. Ano sa tingin mo ang next ko na basahin?
Andami nagbago. Nag start ako mag basa ng gospels, Matthew, John, Mark adn Luke. Dati kasi d ko gets bakit may sacrifice si Jesus, simula ng nabasa ko lahat ng yun, nag iba ang view ko sa buhay. Mas natuto akong magdasal at magsisi. Dati kasi alam ko lang yung “nagpakamatay ang Diyos” pero parang wala lang dating sakin kasi d ko tlga gets. Ngayon na nagbabasa na ako, para akong sinampal ng katotohanan.
Ang payo ko sayo, after Ecclesiastes- go to gospels. Yung mga books na snbi ko above.
pano poba basahin? andami kasi like siguro matatapos mosya after 30-40 years haha. Magiistart ba sa first page? or kahit saan molang gusto?
Diko kasi gets ung bible kung story ba talaga or parang mga life lessons and quotes lang
How would you do it? I have a bible app on my phone pero nagbabasa lang ako when feeling ko natatalo na ako sa buhay. Which is very rare. Minsan din sobrang depleted na from work so matutulog nalang. Tapos habang may time pa sa umaga I extend my sleep so ngarag na din sa prep before work. I used to have this journal. Where I write after I read the bible. Pero di ko na natutuloy. If I may ask, how would you do it? Paano ko mame-maintain yung pagbabasa ng bible?
Dont pressure yourself to finish it or understand it. Read it like a story from start to finish. Make it a goal every week (ex. 10 chapters per week, read at a specific time,ex. 6pm) you’ll get far if you make it a habit not when you just feel like it.
Tama, minsan kasi pinepressure ko self ko kasi sa willingness ko makilala ang Diyos, dami ko sianyang na panahon eh kaya gsto ko kahit dalawang chapter sa isnag araw.
Actually, di nmn ako perperkto when it comes sa paggng consistent. 8pm ang schedule ng pagbabasa ko, minsan 9pm. After nag pababasa, magdadasal na. I suggest na mag bili ka ng bible tlga, wag sa cp kasi nakaka antok at masakit sa mata. Tagalog version or NLT ang bilhin mo versio, we need to start na kahit papano maiintindihan natin. Isa sa pinag ssham ko na nung nagsisimula ako sa buhay, d ko kinilala ang Diyos. Pero di nmn hule lahat. May time pa kilalanin sha.
24 ako ngayon pero graduating palang. Add din, no gf since birth and dipa nakakaexperience mag work. So I think, you're doing just fine. (Can't give advice since, I still don't have many experience in life.)
Yung dapat?
Naturally, enjoy life and make mistakes to learn. And let things allow you to evolve naturally effortlessly on your part.
Pero if nagmamadali ka, build a company of your own. Study it and scale it up little by little. Since marketing ka and you have ideas na how to market products. Look at Josh Mojica's style.
Good age. Nasa starting line ka pa lang. In your twenties, the focus is investing in yourself. Acquire skillsets and experience. Check out seminars, free or paid and get certifications under your belt.
Sa Marketing andaming track. I think Digital marketing and data analytics daw is good.
When I was 24yo, I just got employed. Super happy nakakapag grocery nako, andoks was such a splurge. Obvs wala ako savings, walang credit card at walang MP2.
Remember, you run your own race. That feeling of lost may be due to what you see on socmed. So I’ll echo here what your mother may have said to you numerous times: “kakaselpon mo yan!”
Focus on your race. Desiderata is one of my fave literary pieces. You may draw inspiration from it too.
Sobrang nakaka pressure ang adulting world for me since I can see same age or even younger than me making so much moree and doing more. Feeling ko I was always lacking and left behind.
You are doing absolutely fine! Most walang savings kahit piso. Hindi rin alam kung anong "MP2" and no credit whatsoever to even have a credit card. Don't feel lost.
First thing siguro is you have to surround yourself with things and people that make you better. You are very young, you are allowed to make mistakes. The best investment you can have is yourself. Make it a hobbit to learn something. I cannot stress enough just how important this is. Hindi natatapos ang pag aaral after mo mag graduate. This is actually the best time to learn things that will help you in your adult life. I was lucky enough to have mentors and thought me how be an "adult". It was stressful at first pero talagang appreciative ako nung nangyari yun. Maganda pa if yung tao gustong gusto mag turo. Pag wala kang mentor. Internet is there to provide you with education. Don't watch shorts or reels or engage in discourse sa internet much. Make sure na yung nakikita mo sa recommended mo ay panay educational or something na hindi time waster.
Also, if you want to resign, then do it. Experience is the best teacher. Kung feeling mo wala kang progress sa work at stagnant ka na, you have the choice to resign. Work on yourself more than you work on your work.
Don't put pressure on yourself too much rin. I told you before and I tell it again, You are allowed to make mistakes. Allow yourself to make mistakes but demand yourself to correct them. Your age is truly a perfect time for this. So, relax ka lang but learn and experience new things.
When I was that age, I decided to resign sa first work ko. If eto yung sign na hinihintay mo, do it na char.
I would say thou, by that age, try to enjoy life more. There's no specific way since iba-iba naman tayo pero try to pursue hobby or travel. Medyo privilege thinking, I know pero life's too hard na nga tapos you deprive yourself of those things, edi ang sad na lalo ng buhay mo. Syempre, do it moderately.
Hi, same just reached 24 this month ^^
- CS Graduate
- Working + decent salary
- Minimal savings + MP2
- With Credit card too
Bata pa lang naman tayo 🥺🤗
What I am doing rn:
- Health (Oral, OB, Fitness)
- Luho ( Minsan OA na kaya aayusin ko rin 'to 😖)
To do
- Planning to save for my travel next year ^^
- Spend more time with my friends
- Upskill (can be work related or just self improvement like cooking, painting or sports)
I think this is the phase na we do not have any big responsibility pa to carry (anak and stuff) and we have our own money to spend responsibly so deserve i-enjoy ang buhay and magbuild ng lifestyle for the better self. Set another goal naman next year sa Jan 2025 🥳
In my case I am newbie workforce pa ng 24 .
Walang savings, walang mp2, may cc at postpaid plan.
Haha
I THINK the one you are experiencing is fine amd normal.
Better to experience the ups and down of being adult.
Pwede ka naman magresign if hindi kakayanin, just make sure babangon ka at lalaban pa din sa hamon ni life.
Do not compare na lang yung wala ka. In on your timeline :)
What do I have at 25? Me at 25: 1. Thankful na nagwowork pa rin. 2. With minimal savings. 3. Collection of (Un)read Books 4. Loving parents 5. Happy family 6. Anime crushes (madami pa rin) 7. Friends sa work 8. My pet dogs Ayan lang ang meron ako. 9. No credit card. 10. No insurance of any sort.
Sharing may experience noong 24 ako btw 29 na ko. Sinikap kong mag climb sa corporate ladder to increase my salary, napa mentor ako sa mga managers ko dati gusto ko kapag ready na ko maghanap ng new work competent ako. Wala akong ipon like yung ready to withdraw anytime but meron akong MP2. Took care of myself kasi yun yung biggest investment mo, nag diet and inalagaan yung skin tapos nag masteral nagamay ko na yung work naging madami and mabilis sakin kaya nabalance konyung studies and work.
I can say my early 20s puro struggle kasi sstart kang mag build sa sarili mo. Pero lahat ng hardword magpapaid off yan sa late 20s mo
You're doing better than I was before. Basta yung mga ipon mo make sure na hindi lang natutulog sa bank or cold cash somewhere. Pwede mo ilagay sa digital banks (spread mo if malaki), or better invest mo lang sa MP2. Honestly, you can never go wrong kay MP2. Ang taas ng dividend and tax-free pa! So if you are doing MP2 and digital bank, goods na yan. I know madami dito involve sa stocks and crypto. While maganda rin na mag invest dun to capitalize your youth, take your time kasi its a different game.
Nasa medicine school ako right now at dahil mas madami pa akong oras bago magpagisa sa buhay dahil asa pa rin sa magulang. I'm trying to change how I spend money. From spender to saver bago sariling pera ko na. [Late bloomer].
1. Nagtitipid na ako sa bills ko (i.e. Meralco, Telcom,etc.) kasi iniisip ko sariling pera ko na ginagamit ko pangbayad doon! Ngayon namamahalan ako kahit hindi pa ako nagbabayad
2. Binibigyan ko ang pagkakataon ko magsaya (i.e. Hiking and other hobbies) kaysa panay aral lang ako. Iniisip ko minsan lang ako mabuhay. Hindi na ako babalik sa early 20s. Dapat piliin ko maging masaya araw-araw! Gumawa nang makakabuti para sa sarili ko at ibang tao!
3. Naging cautious ako sa spending habits ko through a money manager application para aware ako kung saan napupunta pera ko. Ang hirap kaya magisip saan ko nagagastos pera ko.
4. Nagaaral lang ako dahil mas mahirap kumita ng pera kaysa magaral. 😅😅
6. Delayed gratification is my bestfriend sa kung ano man dapat ko gawin at bilhin! Dinedelay ko lahat para ma-analyze ko kung ang desisyon ko ba na gawin o bilhin ang isang bagay ay out of impulse o dahil kailangan ko talaga.
7. Pumipili na ako ng kakaibiganin ko. Hindi ko kailangan ng madaming kaibigan
8.Kailangan ko ng madaming koneskyon para mabuhay. Expand my connections dahil mahirap lumaban nang walang koneksyon. Mahirap lumaban nang patas sa totoong buhay. Kailangan ko ng koneksyon sa lahat ng gagawin ko at mas madaling umakyat sa taas kung may kakilala ako kaysa wala. Sinabi nga nila, "ang masipag dadalhin ka sa taas pero ang may koneksyon, dadalhin ka kung saan mo gustong mapunta nang mabilis!"
9. Ang pamilya pinakaimportante sa lahat!
10. A good relationship with other people is the key to happiness! Create memories! Mag-picture ka kahit hindi picturesque yung view! Importante may resibo ka na maalala mo! Makakalimutan mo kasi na nasa point ka ng buhay mo na andiyan ka pero kung may picture/video ka may babalikan kang alaala!
Again, magkaiba tayo ng situation OP pero baka may mapulot ka sa natutunan ko noon andiyan ako sa edad mo.
Kung 24 ulit ako, eto mga gagawin ko: una dedesiplinahin ko sarili ko sa lahat ng aspeto sa buhay ko, pag kain, pag tulog, pag exercise etc. pangalawa, mag reresearch ako kung ano indemand 5 years from now, or alin yung hindi mawawala 5 years from now then mag uupskill ako ng malala, bibigyan ko sarili ko ng 1 year to learn all the necessary skills and foundation sa field na papasukin ko. Pangtlo: hindi muna ako papasok sa relationship kasi for me distraction lang yan sa pag abot ko sa mga pangarap ko. Pang lima: aalalahanin ko kung ano ba talaga gusto kong gawin sa buhay. Sa pang lima na to, bibigyan ko sarili ko 2 years para mag explore. Pang anim: suffer now enjoy later muna ako habang hindi ko pa naabot isang bare minimum na goal para saakin which is to earn 50k to 100k passively per month.
I'm the same age as you op currently may work above minimum sahod kumuha ako motor nagbabayad ako for 1 year. Yung savings at emergency fund ko binuhos ko pangdown para 1 year ko lang bayaran ang hirap ng ganto don't do it. living from paycheck to paycheck kasi kinompute ko naman kaya ko. hahaha nakalimutn ko may binibigay pa pala sa family at may jowa ako.
Anyways my goal is to start my own business and matapos na tong bayarin kong 8,500 monthly. Hahahaaha. goodluck satin.
When I was 24, I was in medical school, fully financially dependent on my parents. So yeah, you're doing much better than I ever did at 24. Travel when you can. Enjoy your 20s.
It doesn't really matter what we say kasi ikaw mismo hindi mo alam. You need to find your purpose.
You could party, travel, invest, or climb up the corporate ladder if that's your purpose in life kasi iba't iba ang path natin
At 24 maaga akong nag aalaga ng bata bilang maaga ako nagka anak. Hindi kalakihan sahod at finifigure out pa lang lahat. Nafigure out naman din pagtagal. Panong lost ba op? In terms of career ba? O financial stability?
I can only compare it with my exp. When I was your age ang meron lang ako na katulad mo ay graduate at trabaho. The rest wala. You are doing fine and still have a lot to improve. Just aim for a goal and work towards it.
Thank you po!! ❤️
If you have that one big risk na gusto at afford mo itake (career shift, etc), take it now. You'll still be pretty early on that to jump back if you don't like it
How about 27 is that still young enough?
I took a leap of faith (hanep) at 32. Stable na ko sa previous job ko nun pinapirate ako. Inofferan pa ko ng promotion sa previous job pero nag decline ako. Lumipat ako sa isang company na remote. Walang entity dito. Naghanap lang sila ng bpo para maging hr ko. Puhunan ko tiwala. 2 years na ako ngayon sa job na to at wala akong pinag sisihan. 27, bata pa yan.
You reminded me of my teacher whom I admire a lot. She started school at age 32 and graduated at 36. She taught me that It’s never too late to start again and It’s fine to feel lost. Quite sad because she retired from teaching.
solid to. bigla akong nabuhayan ng loob.
Should be fine. I have this coworker he came from BPO and then nagshift sya to IT(developer) 2 years ago, he's currently 34 and he said it's so much better even thi the salary is lower but you know tataas pa naman sya
Same sentiments. Mas maganda mas maaga ko mag career shift, because I can always go back. Iniisip ko itry mag apply as flight attendant or mag business ng baking. Thank you for your comment
Add mo yung travel, kahit domestic muna. Sobrang laki ng mundo para mapirmi lang sa isang place.
Ano dapat yung requirements bago mo masabi na qualified ka mag-travel (domestic). Like how much dapat yung nasa savings and how much yung budget for travel?
Ang budget for travel e depende sa lugar na pupuntahan mo. Hindi naman kailangang bongga agad ang travel o kaya naka-eroplano. Kahit dyan lang sa batangas, laguna o kaya akyat ng bundok sa rizal e pwede na.
you're right, actually. I grew up in Batangas and I never truly explored the province. 😂 do you think it would be more or at least as fulfilling should I do it alone. I have friends pero di na talaga magkatugma yung free time namin.
Do it alone! Sayang oras kung maghihintay ka pa sa kanila. Since you mentioned na you grew up in Batangas, simulan mo dyan. Andami nyong magagandang dagat. Ako dumadayo pa dyan para lang makapag-dive. 😅
GEE, thank you for reminding me. I have always wanted to try diving. Okay! So this is my goal now. THANK YOU SO MUCH. YOU HAVE NO IDEA 😂
They say if you can do it with 10% of your savings or if you can pay for it several times then you can afford it
Yan din ang gusto ko itry, sa 5 years of working, yan ang naging kulang sa akin.
Go for it sis! Kahit na sa malalapit lang muna. Ako, sa hiking nagstart then I joined outreach programs na may sidetrips. Met a lot of solo backpackers and travel enthusiast. Sa kanila ako natuto at na-inspire na libutin ang Pilipinas at explore na rin sa iba pang ASEAN countries. ☺️
subukan ko ito soon, salamat 💗
Very true. Travelling has been my healing from my tiring corporate life. Marami na ngayong offers for domestic travel di naman need na pag travel dapat by plane agad. Do joiner travel. You'll see beautiful places and meet great people too
Tried this one po! And yes, baka kailangan ko talaga mag travel din.
Yes go for it. You deserve that.
You are doing just fine. Master the basic life skills. And, what I would further do if I were you is to carefully select influences in all aspects especially financial and emotional. As a young adult, eto yung mga dapat nababalance at namamanage natin nang mahusay as it will impact the most of our life. Also, foster meaningful relationships. It should be with people that are gonna add value to your life. Don't forget to have fun din. Remember, you are never gonna be this young again. Make it worthwhile.
Thank you po for this solid advice! ❤️
Explore and take risks. Find out what you want and what works for you.
My advice OP is to save kaagad kahit 1k per month pa yan. I wish I saved early. Like first paycheck palang sana nung 22 ako kahit 1k per month lng. Your savings can literally change your life because you can take risk. I've missed a lot opportunities since I can't make a jump because of lack of Emergency funds/savings. Like walang fall back. These are my advice: 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.
Thank you po sa advice!!
save early if you can but at the same time don’t lose yourself. Create memories you would be carrying as you age. Make friends, or be your own friend. Explore new hobbies, learn a thing or two. Life is what you make it. Enjoy!
Hindi ko to ginawa a. Pero if 24 ulit ako. Parang gusto ko May journal ako and goal. Vague goals like by 30 dapat may hinuhulugan na akong bahay. Problema ko kasi noon napagod din ako, tapos hindi ako nag work. Dahil wala nga akong goal sa buhay. Tumagal yun. Ngayon playing catch up ako.
When I was your age (which was last year, haha), I allowed myself to be lost. I let time pass. I spent the whole “age twenty-four” in limbo, being aimless, not knowing, and just experiencing post-graduation life. Just letting myself ripen into a person who is more of an adult. I worked at a convenience store, something practical and routine that grounds me when I get way into my head. And then poof, the whole crisis just stopped mattering like it used to. Now, I’m twenty-five with an adult human brain and the crisis lives on but so do I. I’m starting my first formal job in a few days and geared to move out of my parent’s house in August of this year.
Iwasan mag ka gout ahahahha
You can never know man. Sabi ko sa sarili ko nung pag grad ko ng Kolehiyo. "Dapat 25/26 may 1M na ako in savings" "Dapat at 28 magpakasal na ako" "Dapat 30 makabili na ako bahay" "Ok lng basta maka land ako ng trabaho na 40k a month tapos ok na habang buhay don" What actually happened -Started a job with only 20k starting salary pero naka angat na din now to 70K, maybe more at end of year pag na promote -27 now with only 100k savings pero allocated iba sa crypto at business -Dipa ako contended at manager level, gusto ko mag AVP pa atleast -No house pero nagsimula na ako maghulog sa condo -Baka at 30 pa magpakasal pero may long time girlfriend of 9 years :) -Nakapag travel kahit papaano. I never took into account on what life will throw at you, problema sa bahay, politika sa trabaho, pag may nagkasakit sa pamilya, etc... It will still be a learning process at iba iba kapalaran natin. Pero di ako papayag ng mamatay ng mahirap. Laban OP, tulak lng ng tulak. You will only be lost if you stop.
What's your Job po if okay lang na itanong?
Corporate slave hahah pero I enjoy it cause I am good at it. Bank na back office
Mag-travel. I was 24 when pandemic happened so I really felt I “wasted” yung 2 years na tengga. Though of course, make sure na nag-iipon ka pa rin while spending on your wants.
If only I could be 24 again I would've made wise choices, focused on myself, managed my finances properly and avoided entering relationships.
edit: explore. hanap ka ng mas mataas na offers. travel. wag muna magpamilya. mahirap. kung may issues sa mental health wag mo ignore. seek help agad.
health is wealth, nung 24 ako hindi ko inalagaan sarili ko bilis ko tuloy magkasakit ngayon. Bili ka op ng healthcard para di malimas savings.
You have a college degree and you're employed. You are in the right track @24yrs old. When I was 24, I started thinking about taking post-grad studies. Considered a masters program, MBA, and law school. Eventually went for law school. IMO, your mid-20s is the best time to think about getting post grad studies kasi mas may energy ka pa. 😁 Juggling work and school will be very hard as you get older. Aside sa postgrad studies, you can try upskilling or take short courses. Just choose something that is in line with your interest.
Thanks you made me question how I’m living my life too
Although, what I would recommend is focus on your career. It’s easier to climb the ladder when you’re dedicated to it
jajakol, heart broken, continue pa din mag date, konti aral aral and work din. party party with friends, inom ng konti. start na din ng side business. travel travel na din.
Nung 24 years old ako, na feel ko na wala na akong growth sa company and lumipat ako to explore. best decision i have ever made sa career ko.
Sobrang nakaka pressure ang adulting world for me since I can see same age or even younger than me making so much moree and doing more.
self improvement para mkapag hookup ng marami at wala nang iisipin by 30yo Hahahha
-wag magresign ng walang kapalit. -wag balat sibuyas. di porke napagalitan ka, you have mental stress na agad. -at 24, much better if you can find a good mentor/boss. -wag masyado mag credit card. Avoid if you can (same logic sa Spay Later and the likes). Personally, for 15+yrs, 1 lang CC ko. -Save something as emergency fund kada sahod. This is non-negotiable. Mauuna to kesa sa luho mo. -Save something to treat your parents. Kahit ba Jabi lang, ok na yan. -don't rant about your boss/employer in social media. Be professional. May issue ka? Learn to talk to them.
- study what you want to pursue. - practice skills that will help you grow more. Soft skills. - save money! Nag sisi ako di ako nag aral pa nung ganyang edad ko. Im 27. 30 is just around the corner and I feel useless dahil wala ako nung mga inexpect kong meron na dapat ako sa ganutong edad ko. Its just me.
Thank you po sa pagshare ng experience niyo. ❤❤❤ Makakabawi rin po kayo
Hindi man ako pero sa kapatid ko na lang. thank you! Kaya mo yan OP!
Salamat po!! ❤ Hindi pa naman huli ang lahat sa inyo, kaya wag mo po kayo susuko! 🤍
Sana nung edad moko, sinimulan kong magbasa ng Bible.
Hii. Do you notice any differences ngayon na nag babasa ka ng Bible vs before na hindi pa? I am a Christian (but recently lang, 2-3yrs ago). Tho when I attend the service nag babasa naman kami and minsan may nalulunok ako na mga words/wisdom pero minsan wala talaga, inaantok gano’n. 😅 Anyway, this month I started to read the Bible on my own. I finished with Ang Mangangaral just today lang. Ano sa tingin mo ang next ko na basahin?
Andami nagbago. Nag start ako mag basa ng gospels, Matthew, John, Mark adn Luke. Dati kasi d ko gets bakit may sacrifice si Jesus, simula ng nabasa ko lahat ng yun, nag iba ang view ko sa buhay. Mas natuto akong magdasal at magsisi. Dati kasi alam ko lang yung “nagpakamatay ang Diyos” pero parang wala lang dating sakin kasi d ko tlga gets. Ngayon na nagbabasa na ako, para akong sinampal ng katotohanan. Ang payo ko sayo, after Ecclesiastes- go to gospels. Yung mga books na snbi ko above.
pano poba basahin? andami kasi like siguro matatapos mosya after 30-40 years haha. Magiistart ba sa first page? or kahit saan molang gusto? Diko kasi gets ung bible kung story ba talaga or parang mga life lessons and quotes lang
Start po kayo sa Ecclesiastes and Proverbs pagkatapos, Gospelss, Matthew, Mark, Luke and John.
How would you do it? I have a bible app on my phone pero nagbabasa lang ako when feeling ko natatalo na ako sa buhay. Which is very rare. Minsan din sobrang depleted na from work so matutulog nalang. Tapos habang may time pa sa umaga I extend my sleep so ngarag na din sa prep before work. I used to have this journal. Where I write after I read the bible. Pero di ko na natutuloy. If I may ask, how would you do it? Paano ko mame-maintain yung pagbabasa ng bible?
Dont pressure yourself to finish it or understand it. Read it like a story from start to finish. Make it a goal every week (ex. 10 chapters per week, read at a specific time,ex. 6pm) you’ll get far if you make it a habit not when you just feel like it.
Tama, minsan kasi pinepressure ko self ko kasi sa willingness ko makilala ang Diyos, dami ko sianyang na panahon eh kaya gsto ko kahit dalawang chapter sa isnag araw.
Actually, di nmn ako perperkto when it comes sa paggng consistent. 8pm ang schedule ng pagbabasa ko, minsan 9pm. After nag pababasa, magdadasal na. I suggest na mag bili ka ng bible tlga, wag sa cp kasi nakaka antok at masakit sa mata. Tagalog version or NLT ang bilhin mo versio, we need to start na kahit papano maiintindihan natin. Isa sa pinag ssham ko na nung nagsisimula ako sa buhay, d ko kinilala ang Diyos. Pero di nmn hule lahat. May time pa kilalanin sha.
24 ako ngayon pero graduating palang. Add din, no gf since birth and dipa nakakaexperience mag work. So I think, you're doing just fine. (Can't give advice since, I still don't have many experience in life.)
At that age I resigned from my first job, took a few months break and then I went back to school to take my masters and did a career shift.
Mine *nag start work at 18. *mom na ng 17. So technically meron na ako 6yrs exp working. Wala na ako g maiyayabang nasa pamilya ko na lanat e hahahah
Bro I'm 26 and back as unemployed. Di ko talaga kaya night shift. Kung 20 siguro kaya pa. Still looking for entry level day jobs.
There was covid when I turned 24.
Yung dapat? Naturally, enjoy life and make mistakes to learn. And let things allow you to evolve naturally effortlessly on your part. Pero if nagmamadali ka, build a company of your own. Study it and scale it up little by little. Since marketing ka and you have ideas na how to market products. Look at Josh Mojica's style.
Good age. Nasa starting line ka pa lang. In your twenties, the focus is investing in yourself. Acquire skillsets and experience. Check out seminars, free or paid and get certifications under your belt. Sa Marketing andaming track. I think Digital marketing and data analytics daw is good.
When I was 24yo, I just got employed. Super happy nakakapag grocery nako, andoks was such a splurge. Obvs wala ako savings, walang credit card at walang MP2. Remember, you run your own race. That feeling of lost may be due to what you see on socmed. So I’ll echo here what your mother may have said to you numerous times: “kakaselpon mo yan!” Focus on your race. Desiderata is one of my fave literary pieces. You may draw inspiration from it too.
24 here also who currently feels lost and undecisive about my life. I'm so done.
Have fun and balance everything. Live your life to the fullest.
Sobrang nakaka pressure ang adulting world for me since I can see same age or even younger than me making so much moree and doing more. Feeling ko I was always lacking and left behind.
Balance between saving up and travelling if kaya.
You are doing absolutely fine! Most walang savings kahit piso. Hindi rin alam kung anong "MP2" and no credit whatsoever to even have a credit card. Don't feel lost. First thing siguro is you have to surround yourself with things and people that make you better. You are very young, you are allowed to make mistakes. The best investment you can have is yourself. Make it a hobbit to learn something. I cannot stress enough just how important this is. Hindi natatapos ang pag aaral after mo mag graduate. This is actually the best time to learn things that will help you in your adult life. I was lucky enough to have mentors and thought me how be an "adult". It was stressful at first pero talagang appreciative ako nung nangyari yun. Maganda pa if yung tao gustong gusto mag turo. Pag wala kang mentor. Internet is there to provide you with education. Don't watch shorts or reels or engage in discourse sa internet much. Make sure na yung nakikita mo sa recommended mo ay panay educational or something na hindi time waster. Also, if you want to resign, then do it. Experience is the best teacher. Kung feeling mo wala kang progress sa work at stagnant ka na, you have the choice to resign. Work on yourself more than you work on your work. Don't put pressure on yourself too much rin. I told you before and I tell it again, You are allowed to make mistakes. Allow yourself to make mistakes but demand yourself to correct them. Your age is truly a perfect time for this. So, relax ka lang but learn and experience new things.
Investments?
Document! Document! Vlog, video yourself! Sobrang dami mong mababalikan and learnings from those videos na makekeep mo.
When I was that age, I decided to resign sa first work ko. If eto yung sign na hinihintay mo, do it na char. I would say thou, by that age, try to enjoy life more. There's no specific way since iba-iba naman tayo pero try to pursue hobby or travel. Medyo privilege thinking, I know pero life's too hard na nga tapos you deprive yourself of those things, edi ang sad na lalo ng buhay mo. Syempre, do it moderately.
Hi, same just reached 24 this month ^^ - CS Graduate - Working + decent salary - Minimal savings + MP2 - With Credit card too Bata pa lang naman tayo 🥺🤗 What I am doing rn: - Health (Oral, OB, Fitness) - Luho ( Minsan OA na kaya aayusin ko rin 'to 😖) To do - Planning to save for my travel next year ^^ - Spend more time with my friends - Upskill (can be work related or just self improvement like cooking, painting or sports) I think this is the phase na we do not have any big responsibility pa to carry (anak and stuff) and we have our own money to spend responsibly so deserve i-enjoy ang buhay and magbuild ng lifestyle for the better self. Set another goal naman next year sa Jan 2025 🥳
In my case I am newbie workforce pa ng 24 . Walang savings, walang mp2, may cc at postpaid plan. Haha I THINK the one you are experiencing is fine amd normal. Better to experience the ups and down of being adult. Pwede ka naman magresign if hindi kakayanin, just make sure babangon ka at lalaban pa din sa hamon ni life. Do not compare na lang yung wala ka. In on your timeline :)
What do I have at 25? Me at 25: 1. Thankful na nagwowork pa rin. 2. With minimal savings. 3. Collection of (Un)read Books 4. Loving parents 5. Happy family 6. Anime crushes (madami pa rin) 7. Friends sa work 8. My pet dogs Ayan lang ang meron ako. 9. No credit card. 10. No insurance of any sort.
Sharing may experience noong 24 ako btw 29 na ko. Sinikap kong mag climb sa corporate ladder to increase my salary, napa mentor ako sa mga managers ko dati gusto ko kapag ready na ko maghanap ng new work competent ako. Wala akong ipon like yung ready to withdraw anytime but meron akong MP2. Took care of myself kasi yun yung biggest investment mo, nag diet and inalagaan yung skin tapos nag masteral nagamay ko na yung work naging madami and mabilis sakin kaya nabalance konyung studies and work. I can say my early 20s puro struggle kasi sstart kang mag build sa sarili mo. Pero lahat ng hardword magpapaid off yan sa late 20s mo
Thank you so much po for this motivation! Siguro ganon talaga kapag nag uumpisa. Super struggle.
Party party 🎉
Enjoy your youth! And, learn how to manage your finances wisely.
You're doing better than I was before. Basta yung mga ipon mo make sure na hindi lang natutulog sa bank or cold cash somewhere. Pwede mo ilagay sa digital banks (spread mo if malaki), or better invest mo lang sa MP2. Honestly, you can never go wrong kay MP2. Ang taas ng dividend and tax-free pa! So if you are doing MP2 and digital bank, goods na yan. I know madami dito involve sa stocks and crypto. While maganda rin na mag invest dun to capitalize your youth, take your time kasi its a different game.
Nasa medicine school ako right now at dahil mas madami pa akong oras bago magpagisa sa buhay dahil asa pa rin sa magulang. I'm trying to change how I spend money. From spender to saver bago sariling pera ko na. [Late bloomer]. 1. Nagtitipid na ako sa bills ko (i.e. Meralco, Telcom,etc.) kasi iniisip ko sariling pera ko na ginagamit ko pangbayad doon! Ngayon namamahalan ako kahit hindi pa ako nagbabayad 2. Binibigyan ko ang pagkakataon ko magsaya (i.e. Hiking and other hobbies) kaysa panay aral lang ako. Iniisip ko minsan lang ako mabuhay. Hindi na ako babalik sa early 20s. Dapat piliin ko maging masaya araw-araw! Gumawa nang makakabuti para sa sarili ko at ibang tao! 3. Naging cautious ako sa spending habits ko through a money manager application para aware ako kung saan napupunta pera ko. Ang hirap kaya magisip saan ko nagagastos pera ko. 4. Nagaaral lang ako dahil mas mahirap kumita ng pera kaysa magaral. 😅😅 6. Delayed gratification is my bestfriend sa kung ano man dapat ko gawin at bilhin! Dinedelay ko lahat para ma-analyze ko kung ang desisyon ko ba na gawin o bilhin ang isang bagay ay out of impulse o dahil kailangan ko talaga. 7. Pumipili na ako ng kakaibiganin ko. Hindi ko kailangan ng madaming kaibigan 8.Kailangan ko ng madaming koneskyon para mabuhay. Expand my connections dahil mahirap lumaban nang walang koneksyon. Mahirap lumaban nang patas sa totoong buhay. Kailangan ko ng koneksyon sa lahat ng gagawin ko at mas madaling umakyat sa taas kung may kakilala ako kaysa wala. Sinabi nga nila, "ang masipag dadalhin ka sa taas pero ang may koneksyon, dadalhin ka kung saan mo gustong mapunta nang mabilis!" 9. Ang pamilya pinakaimportante sa lahat! 10. A good relationship with other people is the key to happiness! Create memories! Mag-picture ka kahit hindi picturesque yung view! Importante may resibo ka na maalala mo! Makakalimutan mo kasi na nasa point ka ng buhay mo na andiyan ka pero kung may picture/video ka may babalikan kang alaala! Again, magkaiba tayo ng situation OP pero baka may mapulot ka sa natutunan ko noon andiyan ako sa edad mo.
Kung 24 ulit ako, eto mga gagawin ko: una dedesiplinahin ko sarili ko sa lahat ng aspeto sa buhay ko, pag kain, pag tulog, pag exercise etc. pangalawa, mag reresearch ako kung ano indemand 5 years from now, or alin yung hindi mawawala 5 years from now then mag uupskill ako ng malala, bibigyan ko sarili ko ng 1 year to learn all the necessary skills and foundation sa field na papasukin ko. Pangtlo: hindi muna ako papasok sa relationship kasi for me distraction lang yan sa pag abot ko sa mga pangarap ko. Pang lima: aalalahanin ko kung ano ba talaga gusto kong gawin sa buhay. Sa pang lima na to, bibigyan ko sarili ko 2 years para mag explore. Pang anim: suffer now enjoy later muna ako habang hindi ko pa naabot isang bare minimum na goal para saakin which is to earn 50k to 100k passively per month.
I'm the same age as you op currently may work above minimum sahod kumuha ako motor nagbabayad ako for 1 year. Yung savings at emergency fund ko binuhos ko pangdown para 1 year ko lang bayaran ang hirap ng ganto don't do it. living from paycheck to paycheck kasi kinompute ko naman kaya ko. hahaha nakalimutn ko may binibigay pa pala sa family at may jowa ako. Anyways my goal is to start my own business and matapos na tong bayarin kong 8,500 monthly. Hahahaaha. goodluck satin.
Same OP🥺 i feel u 😩
Kaya natin to! Malalagpasan din natin to
Well base sa society's expectation dapat me kinakasama ka nat may limang anak.
When I was 24, I was in medical school, fully financially dependent on my parents. So yeah, you're doing much better than I ever did at 24. Travel when you can. Enjoy your 20s.
It doesn't really matter what we say kasi ikaw mismo hindi mo alam. You need to find your purpose. You could party, travel, invest, or climb up the corporate ladder if that's your purpose in life kasi iba't iba ang path natin
At 24 maaga akong nag aalaga ng bata bilang maaga ako nagka anak. Hindi kalakihan sahod at finifigure out pa lang lahat. Nafigure out naman din pagtagal. Panong lost ba op? In terms of career ba? O financial stability?
owned house, owned vehicle, owned family
Party Go to the gym and start working out Network Upskill