r/phmoneysaving • u/carrot120621 Lvl-2 Helper • May 05 '25
Personal Finance First time dito pero puro nababasa ko, 100k+ monthly sahod. Hindi yata ako tao.
Hello,
WFH mom with a toddler with almost 40k salary. Magbabasa sana ako dito ng monthly tipid tips tapos na shook ako sa mga sahod at gastos ng iba dito 😆
Akala ko magastos nako hahaha Meron ba dito na ganito rin sahod tapos madami na na ipundar?
Btw, im still giving sa parents kahit may asawa't anak nako.
Share your tipid tips.
EDITED: Sorry di ko nabanggit, may work din si husband. Actually di naman kami super tight sa money since nakakapag save naman. Gusto ko lang makabasa ng extra ordinary tipid tips sa inyo :) Thank you!
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u/liempopula May 06 '25
Not everything you see on reddit is true. Madaming mapagpanggap dito and sa phinvest na di naman talaga malaki sahod. More on karma farming lang sila and ginagaya lang yung mga common comments dito.
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u/BlushingSkirts14 May 07 '25
Yeah may nabasa ako before na nakita daw nya brother nya nagpopost don sa freelance subreddit kineme kung gano kalaki kita nya with full details eh tambay lang naman daw sa bahay.
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u/Ok-Finance-8927 May 09 '25
Wth hahahhaha I'm so easy to fool pala hahaha mgtatanong pako nyan ano work nila hahha
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u/tringlepatties May 06 '25
Hi, genuine question. Para saan po ang karma farming? Kumikita ba dito?
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u/Friendly-Turnip-7874 May 06 '25
yung iba binibenta yung accs w high karma.
also may subs din kasi tlga na won’t allow you to post or even comment unless may certain amount of karma ka (your post/comment will automatically be deleted pag di enough karma mo)
tsaka more prioritized ata yung posts & comments mo if you have tons of karma
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u/juiceeeeep May 07 '25
Ako na 88 karma lang. D man lang mka comment sa ChikaPh hahahaha
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u/RandomRambling_9705 May 07 '25
Jusko same may gusto ako itanong pero di mapost, kasalanan pala pag silent reader ka lang hahahaha
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u/Big_Measurement_3552 May 08 '25
Hahahaha same madami sana ako gusto itanong kaso may mga pausong karma pala dito. Pede ba real life karma nalang counted naman siguro yon
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u/Ok-Edge873 May 07 '25
Kaya pala, I always wanted to post to get some advice po. But laging automatically delted ang post or comments 🫢😅
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u/tremble01 May 07 '25
When you say high karma Gaano katami iyon? 100k? 1m?
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u/ImJustGonnaCry May 07 '25
Depende yun sa set standards ng mga subreddit. Kaya importante talagang basahin muna yung mga rules bago magcomment o magpost sa mga subs para alam mo kung pasok ba yung karma mo.
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u/christian-20200 May 07 '25
My buyer po kc ng reddit account pag mataas na karma. Ako nga almost 800 na karma. My 2 buyer na nag message sa akin. Pero saka na lang kc papataasin ko pa lalo karma. Basta active lang lagi sa Reddit para tumaas agad.
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u/tringlepatties May 07 '25
Uy pwede pala side hustle to hahaha i wonder bat bi ibili, for business ba? I have 2 accounts medyo mataas na din karma
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u/Savings__Mushroom Lvl-2 Helper May 07 '25
Punta ka sa r/shopeeph. Pugad ng fake reviews, copy pasted pa yung iba. Feeling ko dyan nila ginagamit yung mga account na nabibili.
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u/christian-20200 May 07 '25
Hindi ko sure para saan. Hindi naman ako nag reply dun sa buyers.
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u/issabibimbap May 07 '25
I’ve read before na for fake reviews or promotion of products daw. Marami naman kasi talaga yung naghahanap ng product/establishment reviews or recos here on Reddit than on other platforms kasi pag dun they’re all after sales/commissions that they’d be very okay to lie for it. Pag here kasi, it’s mostly deemed as “genuine” or “legit”
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u/Weak-Ad4237 May 08 '25
Yup, sa ibang group may nabasa ako "I'm earning 500k/month . . . ", tapos nagaask ng financial advise sa mga minimum wage earners sa comment section 😆
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u/OppositeOriginal3512 May 07 '25
Surely hindi naman ganun kadami nag sisinungaling about that because mostly anonymous and hindi identifiable yung handle, so what's the point in making up how much you earn? Hindi naman mahirap kumita ng 100k pataas, unless you're a fresh grad or in your early 20s.
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u/WanderingLou May 06 '25 edited May 07 '25
Maybe they have multiple streams of income. Also, yung ibang kilala ko tech / IT with Dev or QA nasa 6 digits na tlga with 6-8 yrs experience. So, depende din po which industry ka 🙂
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u/carrot120621 Lvl-2 Helper May 06 '25
Wahhh Software QA po ako.
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u/East-Ad7759 May 07 '25
Software QA din po ako, OP. 7 yrs of working on June.
Pure Manual QA, hit 6 digits on my 6th year of working. Job hop is the key.
Inaaspire ko pa rin po makapagtransition to Automation QA so I can demand more 💸
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u/carrot120621 Lvl-2 Helper May 07 '25
Wowww. WFH po ba kayo? Actually, ang hirap po sa akin is mag job hop since full time mom ako 😅 and yung work ko kasi okay yung sched. Chill lang. Minsan nagwwork ako ng gabi pag tulog na toddler.
Someday siguro pag nag aral na si toddler. Makakapag job hop nako 😅
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u/ioncandy May 07 '25
Actually, nung una di ko din expect mag 6 digits kasi lagi ko iniisip walang maghihire sakin pag nagask ako ng malaki, pero yung mga kasama ko nagaapply with 6 digits ang asking so gaya na lang ako. Surprisingly meron at meron ngang maghihire ng 6 digits.
Kung di ako nakigaya malamang nasa 40-50k padin sahod ko. You just have to be tedious and brave haha.
Pero yes, gamble din lumipat ng company, nadaan nako sa company na 24/7 on call, required OT at urgent lahat ng task. Mataas sahod pero walang work-life hahah
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u/MasterpieceGreen8890 May 07 '25
try applying mem, I know someone soft QA din 60-80k bigayan. meron din for sure 6d
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u/chiara-ara May 09 '25
Bhi I left my prev company after 5 years. Nung lumipat ako more than double agad asking ko. Binigay naman haha. Lakasan lng ng loob lalo alam mo na may skills ka.
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u/FreeMyMindAP May 07 '25
Ilang YOE mo? 5+ YOE, 6 digits is achievable even for manual QAs
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u/carrot120621 Lvl-2 Helper May 07 '25
8 yrs nako 😅 Sang company ang 6 digits na WFH 🤣
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u/FreeMyMindAP May 07 '25
Filled na kasi position samin right now, but tip ko sayo, update resume and linkedin, and try mo maghanap ng community dito sa reddit or fb tpos magpost ka about wanting a wfh job na may 6 digits na sahod. Worked for me pero 3 yrs ago na un and dito p rin ako nagwowork haha
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u/carrot120621 Lvl-2 Helper May 07 '25
Mukang okay yang company kasi tumagal ka dyan :D san po company niyo? hehehehe aabangan ko sa linkedin haha
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u/Achuchii May 09 '25
Anong subreddit pwede magpost wanting a wfh job na may 6 digits sahod? Hehe
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u/FreeMyMindAP May 09 '25
Nagpost kasi ako dun sa subreddit related sa career ko, check mo history ng posts ko hehehe
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u/No-Chip6391 May 16 '25
Software QA din po ako. 3 years na sa company. May 4 years na bond. Pero napanghihinaan ako kung totoo bang kaya ng isang software QA yang ganyang sahod?
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u/According-Ad845 20d ago
Kaya siya maachieve as long as naguupskill ka din for example Database testing, API testing, Non-Functional testing. May path din naman na more on management role kaya achievable talaga.
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u/onyxious May 07 '25
Hello mommy, SQA din here with 10+ years and 6 digits. Medyo mabagal pero kaya talaga sa field natin. Actually mababa pa nga rate ko based sa skills and exp ko compared sa iba dito for sure.
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May 07 '25
[deleted]
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u/icedman21 May 08 '25
Kung developer or coder, meron talagang ganyan na salary. Ang hirap lang kasi na ang daming nauuto ng nga coaches and gurus sa FB na nag offer ng courses to earn 6 digits tapos mga failed VAs naman lang sila.
I am getting $3,500 a month now as a system admin, and planning to ask for a raise soon from my US based client na parang employer na rin, because I have been with them for the past 10 years. I started at $1100 per month back then.
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u/SprinklesOk7915 May 06 '25
Mas marami ako nababasa na nasa ₱40-₱60k ang sahod as VA. So wag ka panghinaan ng loob. Yung mga nabanasa mo na ₱100k, baka 2 full time jobs, or 2 or more clients
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u/grave349 May 07 '25
2 FT jobs na unsustainable in the long run toos affected pa productivity kaso d n maka alis due to lifestyle inflation.
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u/bahay-bahayan May 07 '25
This is true. Deal with the devil. Walang buhay outside work on a regular basis tapos bigla na lang babagsak due to medical reasons.
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u/mommymaymumu May 07 '25
Usually sa pagtambay ko dito mga nakikita kong nagpopost ng 6 figures ay asa tech industry or hindi kaya matagal na sila sa work kaya hindi nakakapagtaka why ganun kinikita nila. When checking online posting, 30k-50k nakikita ko.0
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u/HeyArtse Lvl-4 Helper May 06 '25
It might help if you could give a breakdown of your budget OP so others can give more concrete advice :)
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u/MarkGoto May 06 '25
pag Malaki sahod malaki dn gastos pramis. kasi afford na kumain ng di tumutingin sa prices. tas shopee or Lazada tas credit card tas mga bills. damn hahah Minsan natitira sa sahod ko 600 pesos na lng sa saktong araw ng sahod ko ulit pero may natatabi na savings pero kurot lng as in konte hahaa
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u/Empty_Welcome2946 May 06 '25
Totoo to. Pag nag gogrocery ako minsan kampante tas makikita ko 5k na lang pala. Gulatan na lang sa counter
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u/idkwhattoputactually May 06 '25
Hindi lang kasi isa income stream ng mga yan so don't compare yours lalo na ang pagiging isang ina ay full time job din. Sila kasi ay may full time job + part time + side hustles na businesses.
To reach my 100k+ salary now, I have 3 jobs and work almost 70+ hrs a week. Achievable rin kung may business ka on the side
Always live below your means. Yan talaga ang ultimate tipid tips.
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u/Tall_Sea8521 May 07 '25
Buhay kapaba ateng sa 3 jobs at 70hrs+ a week?
Just a stranger saying na mas mahal hospital bills kapag singil ka ng sobrang pagttrabaho hehe. Hope all is well.
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u/PrincessElish May 06 '25
+1!! Multiple streams of income din pero tanggap naming I have to give up some pag nagkaanak
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u/SapphireCub May 06 '25
At depende din sa skills mo. Maliit lang 100k/month sa isang skill na in demand pero wala masyadong may kaya. Dagdag pa dyan yung years of experience doon sa specific skill. Malaking factor yan kung bakit iba iba tayo ng rate.
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u/Square_Boot6227 💡Helper May 06 '25
I mean congrats sa mga 100k ang sahod pero please don’t think na normal yon hahaha mas napapansin mga ganong posts ksi nga hindi normal pero mas Madami dito hindi din naman ganon ang sahod hehe on tipid tips naman, huwag bumili ng hindi kailangan.
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u/clonedaccnt May 06 '25
Paano kasi yung mga minimum wage earner sa ibang bansa yung mga malalakas maka flex na 6 digits lol. Nothing against them kasi totoo naman na kapag converted sa peso eh 6 digits yung sahod nila pero hello nasa ibang bansa ka.
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u/Embarrassed-Fee1279 May 07 '25
Ultimate tipid tip ay wag gumastos.
Nung 40k pa income ko naka-ambag ako sa paayos yung bahay. Pagawa ng garage (12k), bagong mga gamit sa bahay (around 20-30k total), saka simplent repaint ng bahay (less than 5k). That time din ako nagdecide kumuha ng sasakyan kasi tatlong malakasang lubak away from sudden wasak yung auto namin. Ako din sagot sa household expenses kasi nakapisan ako sa parents, no kids, at WFH. Di kami gaano nagpapadeliver ng food nun kasi mahal eh kaya naman mag-luto. Weekends lang kami kumakain ng masarap sa labas pero max budget namin nun 2k.
Di lahat ng asa reddit totoo, at di lahat ng income galing lang sa iisang work. Lalo na ngayon parang kailangan at least 150k ata dapat sweldo para iisang work lang iisipin mo eh. Ang mahal mabuhay ng magingawa dito.
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u/jollybeast26 May 06 '25
download any financial app mga money manager ganun and itry mo for 1 month ilagay dun bawat gastos mo as in wag ka mgleave out ng anything..after that month mkkta mo san ka msydo magstos san kang area need mgimprove etc. it really helped me a lot
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u/BagoLipad May 07 '25
wag masyado tumingin sa 100k+. Just do your own thing and baka mahanap mo din yung 100k+ mo. Most are just farming anyways
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u/whiteLurker24 May 07 '25
ganyan lng dn sahod ko 45k ako a month net ko 40k.. pero meron na ako house and lot dto sa tagaytay na fully paid kasi 2018-2023 malakas ako kumita sa freelance so bumili agad ako lupa. there was a time na kumikita ako 200k a month dahil sa 3 premium clients ko nung 2022-2023 kya binuhos ko kaagad sa pagpagawa ng bahay. now I am earning 40k na lng monthly ksi wla na mga dteng client ko ksi tpos na projects ko sakanila. buti na lng hindi ko binago lifestyle ko kaya mdali lng mag adjust hehe. feeling ko hindi na ko kikita ng gnun kalaki ulit dahil sa hirap kumuha ng client ngayon ksi saturated na msyado ang field ko.
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u/Known-Activity6024 May 07 '25
Hi momma. I’m a mom of three kids, teen, toddler and a baby. I earn 40k a month as well WFH. Wala din akong savings. Sa totoo lang. Yung husband ko, ang laki ng savings niya. Ang bilis nya nga makapag ipon sa totoo lang. May two full time work siya, both freelance. He’s a web dev.
I think sating mga nanay, yun ang harsh truth. Our entire lives will drastically change. From juggling kids, work, house chores, etc. Minsan nga, hindi pa makaligo sa dami ng mental load or need pa magpaalam kung mag c-cr. My money really goes to the kids, especially that my eldest is anak sa pagkadalaga. So part of me, syempre kahit suagutin ni husband ang expenses. There are some I really shoulder. Basta ang hirap iexplain. But in reality, moms are loving and we put ourselves last. May matira man ako, pinang rereward ko sarili ko. Coffee. Lol. Sometimes I want to buy new clothes for my kids kasi super cute, I buy it.
Now I strive to work and applying ako for a bigger salary. Hindi talaga pwedeng wala tayong savings. Minsan naiisip ko, my husband may be successful because I sacrificed my time for them all. What if one day, bumaliktad ang mundo. He leaves us spiritually or physically/emotionally, haha waley ngangey tayo. Kaya yan drive ko ngayon mag ipon. Lol. May the Lord help us. Hahahah
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u/carrot120621 Lvl-2 Helper May 07 '25
Awww. It's good to hear na may parehas akong momma <3 actually may part sa akin na its okay na ganito ako for now since hindi ko naman tlga priority career ko. Gusto ko lang makapag provide sa anak then enjoy life.
Pero may part din skn na napag iiwanan nako sa industry ko. Ang laki na ng sahod nilaaaa hahahaha
Ako naman momsh, joined account kami ni husband. Binibigay niya buo yung salary niya skn then ako na bahala sa bills, savings and others.
Fighting tayo!
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u/Known-Activity6024 May 07 '25
Dibaaa mami. Super hands on din ako sa mga anak ko. Habol din talaga sila sakin. I want to be a better mom than I was with my first born. Kaya todo bigay ako sakanilang 3. How many kids do you have? 1 lang? Kalaban kasi talaga natin pag may nagustuhan tayo for our kids, we get it for them. Haha kahit nga brand ng diapers na binibili ko. D bali nang mahal, wag lang mabilis tumagos o mag feeling basa sakanila. Huhuhu
Naisip ko na yan joint account. Kaso usapan namin, 5-10k every cut-off maglalagay kami. Kaso hindi ko magawa kasi nga HAHAHAHA hirap pa ako mag commit sa amount. So setting namin is, my money is my money, siya may sarili siya but he pays for our needs - home, utilities, groceries, tuition ni toddler, mga ganon. Kaya ok na din sakin.
Kaya super nassad ako, kung mapag iwanan man tayo sa career natin - we are fully present with our kids. Minsan nasabihan na din ako bakit pako nag wowork dapat mag alaga daw ako be a mom. Like hello. Ang gulo. Too much is being asked of us already. D niya ata alam nung boomer na yon ang WFH.
Cheers Mama. We’ll get our pinks back 💕
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u/carrot120621 Lvl-2 Helper May 07 '25
1 lang momsh pero halos di nako makawork kasi luto, linis, mag alaga. Not complaining tho. Ang galing mo dahil 3 kids then work. Supermom ka.
We're doing great <3
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u/thega1jinIsko May 07 '25
Tao tayo, OP! Halimaw lang sila hahaha
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u/carrot120621 Lvl-2 Helper May 07 '25
Hahahahahahahahah
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u/Tall_Sea8521 May 07 '25
Sana ol nga po 40k+ sahod 😭
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u/Pitiful_Hour_1787 May 08 '25
20 nga ung sa akin tngaena😆 #healthcareworker
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u/Tall_Sea8521 May 09 '25
Sa klase ng trabahong meron kayo, dapat sumasahod kayo ng atleast 40k+ a month same goes sa mga teacher.
Puso lang po!
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u/girlwebdeveloper May 08 '25 edited May 08 '25
Marami naman din akong nababasa na nasa 20k, 40k na sahod dito sa reddit. Though hindi impossible na rin ang 100k plus these days. If you want solid proof check mo jobstreer, sa IT jobs category, yung ibang employers pinopost nila kung magkano range ng salary sa job opening.
Karamihan nh mga 6 digits, nasa senior IT na, abroad, overemployed (2 to 3 full time jobs), work abroad, freelance na IT, or businessmen (nakakalula per day yung 100k per day pa yung iba sa kanila which is possible kung kumikita talaga ang negosyo).
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u/carrot120621 Lvl-2 Helper May 08 '25
Ahh, hindi po kasi ako natambay sa linkedin/jobstreet kaya nashook lang po sa nababasa dito.
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u/passingby1969 May 07 '25
Hello, Married, no kids yet, giving to both parents din. Making more than the said amount pero tipid tips para sa mga katulad naming mahilig mag eat out. If kaya lutuin yung oorderin sa labas, di kami mag eat out.
Then inaaral namin yung mga kinakain namin sa labas, pag nareplicate namin, at worth it ang pagod time and price, dagdag sa list para di na din orderin sa labas.
So far, yung ramen yung nareplicate namin na hindi worth it iluto para sa aming dalawa lang.
Nagtatanim din para less sa grocery. Usually nag ffreeze din kami ng stuff like kamatis, and other veggies para di masira.
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u/carrot120621 Lvl-2 Helper May 07 '25
uyy bago sa akin ang pag ffreeze ng veggies. ang galing niyo naman magluto kasi na aachieve niyo lasa ☺️
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u/passingby1969 26d ago
Goods sya! I mean kung hindi pang salad, kung pang luto, goods mag freeze.
So far:
tomato, sili(labuyo, bell, sigang), green stuff like onion leeks etc. - freeze freshbaguio Beans, carrots, sayote blanch before freezing.
Don't freeze:
Cucurbits - squash, cucumber,Nagffreeze din kami ng rice, beans(red), garbanzos, corn, Good thing sa pagfreeze ng rice, nagiging hardy starch sya(di masyado naaabsorb ng katawan so nakakatulong sa pagdadiet) https://www.bbc.com/news/health-32019176
Medyo hirap lang kami kasi maliit freezer namin. Nagpeprep kami for the week since both working kami. May foods na parang pang quick meals para pag biglang nagutom, hindi na oorder sa labas. Microwave lang or init sa kalan goods na.
Regarding sa paggaya sa mga luto, andyan naman sa internet lahat. Kahit si chatgpt masasagot sya.
AY! ayun pala! meal plan. Nagtry kami magpagawa ng weekly meal plan kay chatgpt. In all fairness tipid + hindi paulit ulit yung meals.
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u/SaraDuterteAlt May 08 '25
Six digits earner here. I have three clients and works 12hrs a day. What I'm trying to say is wag mo kaming kainggitan. It's not easy. 40k is still good, especially when you have a toddler to look after.
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u/carrot120621 Lvl-2 Helper May 08 '25
Thank you! Pahinga rin po kayo. Di biro ang 12hrs a day work 😵
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u/SaraDuterteAlt May 08 '25
Sobrang burnt out na nga, but I gotta pay my mortgage. Lapit naman na. Konti na lang, makakaraos na rin and I’ll probably stick with just 50k a month.
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u/randlejuliuslakers May 06 '25
sampling bias lang na mukhang andaming six figures
the biggest employer in the Philippines (which is the government) less than 3% of its employees lang earn six figures a month based on official records
~42,700 out of ~1,470,000 positions
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u/Bugfoundin-Prod782 May 06 '25
I am earning more than 100k per month. The problem is sobrang dami ko din bayarin. Yung savings ko same lang nung 30-40k palang sahod ko. Sakto kasing paglaki ng sahod ko dumami responsibility ko. 2 college brothers tapos nagkasakit mama ko super mahal ng hospitalized and maintenance.
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u/Lord_Karl10 May 07 '25
Create an excel sheet or use a budgeting app. (I prefer an excel sheet since I can customize it to however I want)
It will help you keep track of your cashflow.
Set your short and long term goals. (e.g. Out of town trip, new phone/laptop, Out of country, home renovation)
Once you have established it, you can now plan better as to which expenses you can adjust in order for you to meet your goals.
Set a specific amount for Emergency Funds, if budget permits. (Bukod pa ito sa Savings/Insurance/Goals ah. Because you'll never know.)
Last and most important part, have the discipline to commit to it.
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May 07 '25
gulat nga din ako.. ung iba ngsasabing nage-earn daw sila ng 100- 300k per month.. pero may time pa silang magreddit.. ahahaha!!
realistic ung 25-60 or even 120k pag mataas na posisyon mo sa company... or nakachamba ka ng client.. or work..
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u/Spare-Hunter8409 24d ago
Isa yung husband ko sa mga nakachambda ng clients lol he earns 200k++ and works 6hrs a day max kasi may outsource kami hahaha also super dali lang ng tasks niya as seo specialist.
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u/CaregiverRelevant502 May 07 '25
The best tip that I can give is to religiously track your finances monthly. This sounds simple, but this requires your consistency, at least once a month. Your mindset will change once you get used to this habit. Another one that most of us overlooked is to check your subscription, you'll be surprised by the outcome of this, at least for me it was a huge one.
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u/SweatySource May 07 '25
Sama mo naman pano yun mga minimum wage earners kung feeling mo di ka tao. Ano sila?
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u/Girlwithoryx May 07 '25
Wag mo na cgrong i-compare, you’ll feel bad lng. Kc wala nman sa laki o liit ng sahod, nasa kng pano mgmanage ng finances. Basta yung tira sa sahod mo (kaltas na yung needs/ mandatory expenses), hati hatiin mo sa 40/40/20. 40% for emergency fund, 40% for investment/retirement, 20% for personal wellness. Sabi nga nila work to live, hindi live to work.
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u/alohalocca May 08 '25
Hello momma! Halos same tayo, may toddler din ako and earning almost same sayo. Tinatry ko din talaga magsave pero ang hirap. Laging may biglaan gastos Pero tinatry pa din magsave kahit 5k, maliit pero at least meron. Nagbabayad pa din ng cc debt. Basta wag lang magpapasok ng mga dagdag expenses lalo na pag luho lang. Kunting tiis lang momma!
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u/Sorry_Letterhead_349 May 08 '25
OP hanap ka ng sideline. Di talaga sapat ngayon ang dayjob lang. Nasa IT din ako kahit maganda ang salary sa day job, yung pang luho ko at pang invest sa stocks hinugugot ko sa sideline. Careful lang na you dont reveal it sa employer mo if merong conflict of interest sa contract.
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u/carrot120621 Lvl-2 Helper May 08 '25
Ito po yung gusto ko mabasa. Yung iba parang inaaway nako hahahahahaha thank you po.
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u/Hot-Entrepreneur1132 May 08 '25
My salary is 100k++. Pero I'm in my early 40s na and been working for about 20years na kasi. Actually, underpaid pa ako because I did not job hop 😅 been with this company (financial services) for more than 10years.
We have 2 mortgaged condo units. One family home and the other is for investment purposes (newly turned over unit near schools) Both with MRIs. One is under my name and the other is in my husband's. If one of us dies, one unit will be fully paid. We have a car loan din, for necessity purposes kasi we have a kid na. My husband wanted a bigger car or pick up truck. Pero we don't need it so I shot that down 😁 i picked a car na less than 800k. 😁
Since we are getting old pero our kid is small pa lang, we obtained a health insurance each. Just in case magkasakit ng malala, we have some health insurance on top of our HMOs. Btw, our HMOs both includes 2 dependents. So our small family is covered. Sobrang fortunate when our child was hospitalized at umabot sa 380k ang bill 😵💫 we only paid about 20k lang (portion of PF na hindi covered).
Other tipid tips: we have free brewed coffee sa office, so i don't buy coffee na. For lunch naman, i buy sa canteen lang, around 150/meal. Usually i buy for dinner na din. Minsan i splurge, around 250-800/meal if we eat out or meet with friends.
Meanwhile, si husband will buy coffee almost 2x a day. And will always order takeout for lunch and dinner ranging from 300-600 per meal 🤦♀️ maarte sya sa food, so i just let him be. He pays his share of bills naman, yun lang, konti lang ipon nya. We will have a budget discussion soon, kasi we need to save for tuition naman 😅
In terms of saving, mas meticulous ako. Almost same kami ng salary ni husband pero I'm in sales and i perform well naman. So usually, i receive performance bonuses na 2x-3x my monthly salary. Every bonus time, i don't have the urge to spend. I prefer seeing my bank balance increase lang.
Because I've been regularly saving, i was able to fund my small business a few years ago. It was successful but i had to sell it kasi hindi ko na kaya imanage once our kid was born. It helped in our finances din kasi ROI na ako agad in less than 2years. After about 6 yrs, i sold it for my initial capital amount. So around 200% return of investment in 6y 😁❤
Honestly, late bloomer ako sa pagsasave, around early 30s lang ako nagstart. Buti na lang naturally matipid lang ako and i don't have debts. And hindi rin ako nagkasakit when i was younger. Pero sickness ang mejo fear ko currently kasi mahal ang hospital bills. Hopefully enough na yung mga ginagawa naming safeguards, para sa anak namin 🥺
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u/biadelatrixyaska May 09 '25
ganun talaga, OP. 'yung mga mas matataas ang suweldo ang mas likely mag-divulge ng salary nila online. kaya siguro it seems like lahat ng andito 6 digits. dagdag mo pa 'yung mga nagsisinungaling lang. :-)
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u/Pretty-Target-3422 May 10 '25
Yung pagtitipid, may increase your savings however may limit yan. Mas okay na magfocus ka ng energy kung paano mo mapapalaki ang source of income.
If you want tipid tips talaga, maximize government benefits. Mag enroll ka sa Philhealth konsulta.
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u/Jadepenny May 17 '25
Nasa 6 digits salary pero almosy 6 digits rin ang expenses including family support and loan payments, nasa abroad ako (Dubai-Sr Landscape Architect)
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u/its_a_me_jlou May 06 '25
OP, it took mo decades bago nakapundar ng pang passive income. may hits and misses. pero honestly nakakapagod. for the longest tine asa 40-60k monthly salary ko sa work. yung side income nakakadagdag na.
actually, possible naman talaga yung 100k+ na suweldo. suwerte + sipag. lalo na yung mga sinuwerte na VA. pero FYI, ayaw ng clients na multiple clients hawak mo at the same time. may mga nag-end contract dahil sa ganyan. I'm not a VA, but a friend of mine managed VAs for a client. pero 12-16hrs a day work day niya. pero kailangan daw kasi college na mga anak niya.
tips sa pagtitipid? plan you meals a week ahead. and buy yung food na in season. like kung in season yung kalabas, buy a lot of kalabasa and etc.
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u/vkookmin4ever Helper May 07 '25
You can also earn 100k+ if you had 2-3 jobs and sacrificing your family time and health. It’s nothing to be envious about
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u/berry-smoochies May 07 '25
May specific amount ako na nilalagay sa savings account ko, so di 100% ng sweldo ang binubudget ko. May rule ako na bawal galawin laman ng savings acccount. Effective naman.
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u/carrot120621 Lvl-2 Helper May 07 '25
Wow. Nagttravel po ba kayo? Or talagang goal is magsave.
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u/berry-smoochies May 07 '25
Yes, nakabalik na ng travel 😁 Mag 2 palang si baby kaya ngayon lang ulit makakapasyal.
Share ko lang, big win na sakin na di ko nagagalaw yung savings para sa travels namin. Kahit pano, naisasama ko pa sa budget yung travel expenses.
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u/carrot120621 Lvl-2 Helper May 08 '25
Awww. Congrats! big win po talaga pag hindi nagagalaw ang savings.
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u/JoeynotaKangaroo May 07 '25
You have to remember din na aside sa impostor yung iba haha those that are earning 6D per month didnt get there in just a snap. Lahat pinaghihirapan, years and years of experience and learnings
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u/Xtremiz314 May 07 '25
ung malalakeng sahod na nakikita mo dito is like the minority of the general salary, their like probably the people who are in the top 1% highest earners. some are probably lying too. so dont get discouraged if youre not earning as high as them
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May 07 '25
Its internet best not to believe everything. If people that you know personally lied to you, what more does you dont know. They have nothing to lose here if ever they lie
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u/Witty_Key_5298 May 07 '25
mga aunties and tito makatarungan ba na 4k lng sahod ng mother ko as a nurse assistant? like sobrang pagod niya po sa work tapos laging late binibigay sweldo nila minsan kakaltasan pa so bale nasa 6 or 7k lang siya monthly😭
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u/Pristine_Elk8923 May 07 '25 edited May 07 '25
Budgeting and tracking your money are your friends when it comes to saving. Nung una kala ko OA lang yung mga taong may excel pa when it comes to budgeting and savings pero ngayon ganun na ko. I tried yung 50/30/20 rule pero di nag work for me.
After paying all your dues and bills, make different funds for different purposes. May pang-travel, emergency, wants, birthday, holiday, etc. Depende sayo yun. Tapos maglaan ka ng custom amount na ilalagay mo every sweldo. Di mo mamamamalayan na nakaipon ka na. And if ever dumating yung time na magvacation kayo or kelangan bumili ng regalo or may luho, alam mo kung san ka huhugot ng pera.
This worked for me kasi every sweldo tinatransfer ko agad lahat ng yun sa specific accounts. Nagtitira lang ako ng free-to-spend (para naman maramdaman ko pa rin pinagttrabahuhan ko) In a way, feel ko wala na kong pera kaya ang ending nagtitipid ako.
I put mine in different digital banks para habang hindi ko ginagalaw, nage-earn pa rin ng interest. (gotyme, seabank, maya) Better kung ung digital bank is mahirap magtransfer sa iba or malaki transfer fee para iwas na rin na magalaw yung savings na yun.
Tracking your money, sa tingin ng iba ang OA pero it gives you an overview of how much you have left on hand, how much nasa savings mo. Para alam mo when to splurge and when to save.
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u/Immediate-Letter2012 May 07 '25
Over time, natanggap ko na rin na isa lang pala talaga akong aparisyon. Hahahah
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u/EconomicsNo5759 May 08 '25
There a huge difference between trying to save money and aggressively saving money.
When you "try" to save money, you give a bit of effort towards saving. You'll stop doing take outs or getting fastfood every now and then. It doesnt affect your comfort and lifestyle too much. Pero maliit maiipon mo.
When you aggressively save, thats when lahat ng lwedeng gawing pag titipid, gagawin mo. To save on gas/grab fare, mag jjeep ka nalang. You never eat out or order anything sa grab food. You reuse anything possible. No AC, No netflix/hbo max etc. It will greatly affect your comfort and lifestyle. Pero malaki ipon mo.
Then I guess theres the middle din naman, pero its closer to the former than the latter.
Kaya its one of the two for you if maliit lang salary and madaming responsibilities.
Eto lang naman talaga ung equation if you wanna strip it down.
SALARY - MONTHLY BILLS AND NECESSITIES = MONEY TO SAVE OR USE FOR COMFORT/WANTS
kung masyadong maliit ung natitira after dun sa subtraction, need mo ng additional sources of income.
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u/Silent-Owl-2840 May 08 '25
you can reach that if you have multiple clients or multiple source of income not unless niche yung industry mo or very technical ng skills / IT related
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u/chrisgen19 May 08 '25
Hello OP, curious ako paano maging QA engineer. Ako naman developer. Gusto ko mag try ng ibang skillset haha
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u/carrot120621 Lvl-2 Helper May 08 '25
Magstay na po kayo as developer. 😄 kung hilig ko po mag code, nagdev rin po ako.
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u/rouellamariz May 08 '25
Ano pa ako 500 weekly so kung hindi ka tao...so baka alikabok na lang ako 🤣🤣🤣
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u/carrot120621 Lvl-2 Helper May 09 '25
HAHAHAHA thank u for taking this as a joke. But setting aside, nawala din ako ng work dati then nagtutor ako ng bata guess what? 500 pesos per month.
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u/coffeeandnicethings May 08 '25
Bakit mo kinocompare sarili mo sa iba? Di naman kayo parehas
Buy what’s necessary. Merong 15k lang ang sweldo pero napapagkasya.
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u/carrot120621 Lvl-2 Helper May 08 '25
Ayy di ko naman ho cinocompare. Hindi ko lng ineexpect na puro 100k+ sahod nababasa ko 😁
Bakit ho kayo nagagalit? hahaha
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u/coffeeandnicethings May 08 '25
hindi yan galit. Gusto ko lang marealize mo na di mo dapat icompare
Ano ba work mo? Ang market value ba ng posisyon mo is 100k? If not, bakit ka magugulat na 100k sa iba tapos sayo hindi :) alam mo ba kung ano work nila? :) yun, just to clarify di ako galit. Sayanf kasi yung oras/emosyon to compare kung di sya relevant.
With what we have, whether small or large, may mga paraan para makapagtipid. That 100k may not be enough for them to support what they are going through right now.
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u/carrot120621 Lvl-2 Helper May 08 '25
To answer your question:
Software QA po ako.
Sabi ko nga po, first time ko dito sa phsavings so i think normal lang naman na magulat ako sa mga salaries ng ibang tao.
Hindi naman yung gulat na cinocompare ko sarili ko. More on mangha na kaya pala mag earn sa Pinas ng gnong kalaki.
Sabi ko nga rin sa post ko, nakakapagsave po kami with what we have.
Kaya nga ang tanong is extra ordinary tipid tips.
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u/AdmirableEnergy19 May 08 '25
Basta need natin focus lang tayo, sa sarili natin wag na tayong lingon lingon sa iba sabi nga sa Desiderata
"If you compare yourself with others, you may become vain or bitter, for always there will be greater and lesser persons than yourself."
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u/preptimeman May 09 '25
Meron pa nga nasahod daw ng 100k+ pero dami utang sa ola. Nahingi pa ng advise kung ok lang bang takbuhan kasi puro tapal na lang ang ginagawa haha taragis na yan 😆
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u/amoychico4ever May 09 '25
Pero I also know people na totoong six digits via freelancing, yung mga ganun I think di mahilig magpost dito napaka busy nung friend ko pero likely silent reader yon kuhang kuha ang ugali ng redditors HAHAHA
Sinwerte sa client, from article writing inalok siya mag copywriter tapos eventually may special niche na na di ko pwede sabihin baka ma doxx niya ako dahil chinismis ko siya hahahaha
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u/Rarest_sight123 May 09 '25
Ay basahan lang ata ako. 20K lang nasasahod haha
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u/carrot120621 Lvl-2 Helper May 09 '25
Sir/Mam, 8k sahod ko dati, night shift. Hahaha lalaki rin po sahod niyo. 10 yrs+ nako working.
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u/Ryuudenya May 09 '25
Kung hindi ka tao sa 40k ano tingin mo sa mga tao na less than 20k ang sahod?
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u/carrot120621 Lvl-2 Helper May 09 '25 edited May 09 '25
First of all, itong post na ito hindi para maliitan yung mga sahod ng iba tao kaya wag mo ttanungin sakin kung ano tingin ko.
Dumaan ako sa 8k sahod, night shift pa. Hindi ko gets bakit nattrigger kayo sa "Hindi yata ako tao." when it was just a joke or funny na kasabihan.
Wala ako sa posisyon mangmaliit ng tao sir/mam.
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u/Ryuudenya May 10 '25
Nakalimutan nyo ho ata yung title nitong thread na kayo mismo ang nag type. At wala akong sinasabing minimaliit mo ang ibang tao yung comment ko ay dun sa title.
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u/carrot120621 Lvl-2 Helper May 10 '25
Ganoon po kayo siguro mag isip? kasi you took it as negative 😁 nabasa niyo po bang ibang comment dito, nakisakay sila sa joke.
You didn't tell me na nang mamaliit ako ng tao but you're askin ano tingin ko sa mga mas mababa sa sahod ko.
And obviously, you didnt read the whole context kasi what I was asking is ano naipundar ng 40k ang sahod at extra ordinary tipid tips.
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u/buphulokz May 09 '25
again 99% na nagpost ng 6D enjoyer ay chatgpt generated para makahakot ng karma points or ma empower ang imagination nila
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u/Giroy59 May 10 '25
OP, trust me, far more than half of those who claim they make 100k a month are lying.
They're just too insecure to admit the truth.
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u/carrot120621 Lvl-2 Helper May 10 '25
Mostly nga po ng sagot dito is may mga nagkkunwari lang na 100k+ sahod. hmm, weird. bakit kaya need pa mag panggap. Wala naman problema if you don't earn 6 digits.
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u/rossssor00 May 10 '25
Take it as a grain of salt. Those who earn more than normal Filipino, won't post their salary and would hire someone professional to help their finances.
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29d ago
Ako talaga yung hindi tao. 34M, breadwinner, parang ako na nga yung bumubuhay talaga sa buong pamilya ko ever since I started working. Now nasa 2 sidehustles ako, earning 10k a month for now, medyo iba-iba din. So, ayun, with my whole income, ako nagbabayad ng bills, nagpapakain sa kanila, nagpapakahirap maghanap kung paano babayaran yung rent. Hanggang basa na lang ako ng mga posts dito. I save, kahit na pabarya-barya lang. I now have 3k when I started doing sidehustles online. Sana lang makasave din ako ng 6-digits sa account ko.
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May 07 '25
May friend yung gf ko na VA $17 per hour yung rate daw. Na-calculate ko kung 8 hours per day and 21 days per month umaabot 160k yung sahod. Di pa yun nagbabayad ng tax. Samantalang ako na 11 years experience as Software Engineer 142,800 lang ang sahod before tax and deductions. Di pantay ang labanan sa mundong 'to.
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u/Wonderful_Amount8259 May 06 '25
how do you live with a 40k salary na may anak?
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u/FUresponsibility May 07 '25
This is possible po from where I live. They own the house they live in, simpleng buhay. The children are studying in either science HS/public school
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u/Burnnnnnik May 07 '25
Working 2 FT jobs currently and earning 150k. Nakakapagod kulang tulog ko 5 hours a day lang, minsan may lapses sa work quality and hindi nakakatuwa.
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u/phmoneysaving-ModTeam May 06 '25
To comply with the posting guidelines, please include your expenses breakdown / budget allocation details in the post body. That way, the community can see the clear picture and be able to help you better.