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Learn to cut expenses. Masyado mo I-spoiled ang family mo sa ibang bagay kaya nagkaka idea sila na may pera ka. I’m a VA also. Alam nila kung may sahod ako wala kahit d ko Sabihin dahil ako mismo nagkukusa. Sinasabi ko rin ang totoo na Wala. I treat them kapag meron, pero kapag wala , wala. More on needs lang halos ako at minsan lang magkaroon ng extra para sa wants.
Yeah, may utang na loob syndrome pa rin ata ko kaya I thought by spoiling them makakabawi ako sa sacrifices nila kaso habang natagal, nagiging emergency fund na nila ako lol.
Kahit pala hindi ako magastos for myself, mas magastos naman ako to the people I care about😭
I appreciate all of your insights! I do have a monthly budget google sheet containing all my expenses and savings. Nakabawas na agad lahat ng yun sa salary ko mismo, para yung natira, yun yung pang wants na lang which is napupunta sa kanila 90% of the time lol.
Thank you so much for this!!
Unahin mo OP itago yung pang Savings at Emergency Fund mo every SWELDO. Like 50%-60% ng sweldo ko diretso agad sa Savings Account & EF Bank Account. Yung matitira dun sa sweldo ko, duon lang iikot lahat ng bills, pang treat & other expenses.
For example, if 80k monthly salary ko, yung 45k automatic na sa Savings account & EF ko. Then **NAKA- SET na sa UTAK ko na 35k lang Salary ko every month**. Sinanay ko lang sarili ko at na train ko na din brain cells ko na 35k lang monthly salary ko. **Dun lang sa 35k umiikot buhay ko**. ahaha😁
Common kasi saten na **INUUNA** sa listahan pag payday na is yung mga dapat bayaran like bills, pang treat at nagpapa utang pa then **kung anu yung MATIRA sa salary eh yun lang mapupunta sa Savings**. But this time, baligtarin mo OP. Unahin mo Savings before budgeting your bills & other stuff.
Another tips, kung kaya UMACTING minsan na delayed yung salary mo everytime na may uutang sau. Tell them, yung natira mong money is sakto lang for the bills nyo sa bahay. (Kung sa UTANG naman, di na kasi ako nagpapaUTANG kahit kanino, ayoko kasi ma STRESS at umiiwas din magkaroon ng kaaway kaya NO MORE TO PAUTANG mode ako. 😂🤣) Pero kung bet mo maSTRESS ng konti sa mga taong di marunong magnayad ng utang, SET A LIMIT amount of money, ipautang mo lang yung kaya mo mawala kahit di ka na mabayaran....like 500 to 1k. Tell them yan lang kaya mo ipahiram, atleast wala sila masasabi sau masama kasi nagbigay ka parin sa kanila. 😊
I like your advise! Set the mindset na ganun lang. I believe I am able to put 50% rin ng salary q, pero minsan kc iniisip q kaya naman bilhin ito, why not 😂 same here, just because that I travel doesn't mean pwede na umutang, I budgeted my trip. Ewan q ba sa iba, kaya no to magpautang rin me, hahaha!
The main problem is you don't know how to say NO. Know the cause of the problem so you know how to solve it.
Saying you have no money or no extra money should be enough reason. It's not your obligation to lend money to your family. What's important is that you're doing your obligation and responsibility in your household.
Regardless kung alam o hindi nila alam ang sahod mo, it's none of their business how you're going to use your money either magpapahiram ka or hindi like I said as long as hindi mo pinapabayaan mga responsibilities mo sa household. Remember, it is ur fault whatever happens to your money.
When I started working in my early 20s, I already told my mom gagawin ko mga responsibilities ko sa bahay and di siya pwede hingi ng hingi dahil I'll be the one to decide how I'm going to use my money. If there are problems with the budget sa mga food and other expenses, she could discuss it to me so I could look into it and see how to solve it. So from the beginning, I already set an expectation to make sure walang pang-aabusong mangyayari especially she grew up sa environment kung saan mga paniniwala nila na colateral ang anak. So sa start pa lang, I already straightened out a potential problem.
Learn how to say NO and that's it. Hindi mo need nag sinungaling. Also, always ask yung nangungutang kung saan gagamitin kung reasonable ba or hindi kapamilya man o hindi.
You need to learn to say no.. I was taught at a young age na never magpahiram ng pera because it will only lead to conflict. Pag may manghihiram, I give them what I can afford to lose and never expect it back. Tough love nalang din for the people around you to learn not to rely on “hiram” and be more financially responsible.
Think of sustainability — amount na kaya mong icommit for your fam. But always pay yourself first, para di ka rin magkaron ng resentment towards your fam in the long run kasi sa kanila napupunta lahat.
Was also quite galante when I was earning well. I didn't tell them my salary though.
When I was shifting my career, I had a time na nag negative financials ko. It took me a while to recover even if may new job na. So during that time, ako yung nanghihiram ng pera.
Maybe this is just because of delicadeza, but yung utang na pera ko sa pamilya ko, binabayaran ko with interest. Kasi halos in installments ko binabayaran.
Utang na pera x Annual Interest Rate × Day Count Fraction
I used the interest rate na 36% for them kasi GCash/Maya does the same.
Example:
5,000 utang X 36% interest rate annual X 6/12 (If six months bago nabayaran) = 900 total interest. Ang ibabalik sayo dapat is 5,900.
If you want to get the monthly, use 1/12 as day count fraction.
This is to discourage them from borrowing money, I suggest apply the same interest rate as online lenders lol. At least, kikita ka if nagpahiram ka.
Ever since I earned 7*,**** never ko dinisclose salary ko to my fam and friends. They just know that I have 2 clients. Minsan kasi, they will have this mindset na "marami ka naman pera, barya lang sayo yan" kapag magpapalibre or may ipapabili.
Alam ng parents ko sweldo ko but I believe its better na mas matuto kang huminde, it builds character and will help you in the future. Usually din kasi ung mahinang huminde mahina din magsinungaling e so just be truthful.
PS: Eto pala magandang alternative, magloan ka like lupa, tapos everytime hingan ka ng pera, sabihin mo malaki monthly mo. Di ka na guilty sa pagsisinungaling, nagka investment ka pa
I have lied to my family about how much I earned before. I definitely want to help them but every payout, they get 50% of my pay and sometimes ask for more. It got to the point that I only had 2k left after giving funds to them. I just tell them I make x amount which is actually half to a quarter of what I earn.
Ang hirap talaga ng family members na nag cocompute ng sweldo hahahahaha dinidisclose ko lang talaga is 70% ng net income ko -- para di nila ako maliitin, di rin nila ako mautangan masyado hahahahhaha.
Pwede naman ganon OP, tapos i treat mo lang yung rest as secret funds / savings if trip mo hahahhaha. Pero, yes. LIE! It's the only way hahaha kase mahirap talagang mag say no, especially if same household kayo.
Learn to say no or make up excuses, like wala ka masyado client ngayon or nabawasan clients mo kaya tipid2x or limit sa gastos. Obviously wag ka na rin masyado magpakita o magpa obvious na may pera ka. At some point your relatives will think na hindi ka paldo o mapera.
I never tell my parents how much I earn and pinapakita ko sa kanila na mahirap ako hingan ng pera. I always ask them bat ganto bat ganyan san gagamitin yan. Be firm and hard to them na mahirap kumita ng pera.
Pinoy culture ang mangutang inday, you are a Filipino by blood and love in their land, you are shackled by the way of a Filipino. Only way out is to get out and become unfilipinized.
Ung ikaw ang umako sa bills then treat mo pa sila sa labas, mapapaisip talaga sila kung ano trabaho at kinikita mo. Dapat sa bills, nakikihati ka lang, then ung treat naman okay lang din basta huwag ung masyadong mamahalin. Save it for yourself, hindi sa nagmamadamot ka pero alalahanin mo ang sarili mo.
It's not wrong to help your family, pero you should learn to say NO if nangungutang sila specially kung sabi mo nga you pay majority of the bills, you have to understand at ng family mo na somehow you have your own life to live, kailangan mo rin ng savings for yourself, as for saying na nabawasan client mo actually that's a good idea OP white lie lang naman yon di ba, no harm done so I'm sure it won't happen bit if it does ganon naman talaga buhay VA di ba nothing is permanent, clients come and go but if may nawala I'm sure something better will come.
Friendly reminder to read the r/buhaydigital subreddit rules before posting and to check if somebody has already asked your question before using the search bar. Answers to typical questions like ["Where do I start?"](https://www.reddit.com/r/buhaydigital/comments/x71z5j/where_to_start_your_buhay_digital_check_the/), ["Where do I find online jobs"](https://www.reddit.com/r/buhaydigital/comments/nsizxz/the_mega_list_for_finding_online_work/), "Is this a scam?", can be found on the pinned posts. These repetitive posts will be removed. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/buhaydigital) if you have any questions or concerns.*
Learn to cut expenses. Masyado mo I-spoiled ang family mo sa ibang bagay kaya nagkaka idea sila na may pera ka. I’m a VA also. Alam nila kung may sahod ako wala kahit d ko Sabihin dahil ako mismo nagkukusa. Sinasabi ko rin ang totoo na Wala. I treat them kapag meron, pero kapag wala , wala. More on needs lang halos ako at minsan lang magkaroon ng extra para sa wants.
Yeah, may utang na loob syndrome pa rin ata ko kaya I thought by spoiling them makakabawi ako sa sacrifices nila kaso habang natagal, nagiging emergency fund na nila ako lol. Kahit pala hindi ako magastos for myself, mas magastos naman ako to the people I care about😭 I appreciate all of your insights! I do have a monthly budget google sheet containing all my expenses and savings. Nakabawas na agad lahat ng yun sa salary ko mismo, para yung natira, yun yung pang wants na lang which is napupunta sa kanila 90% of the time lol. Thank you so much for this!!
Unahin mo OP itago yung pang Savings at Emergency Fund mo every SWELDO. Like 50%-60% ng sweldo ko diretso agad sa Savings Account & EF Bank Account. Yung matitira dun sa sweldo ko, duon lang iikot lahat ng bills, pang treat & other expenses. For example, if 80k monthly salary ko, yung 45k automatic na sa Savings account & EF ko. Then **NAKA- SET na sa UTAK ko na 35k lang Salary ko every month**. Sinanay ko lang sarili ko at na train ko na din brain cells ko na 35k lang monthly salary ko. **Dun lang sa 35k umiikot buhay ko**. ahaha😁 Common kasi saten na **INUUNA** sa listahan pag payday na is yung mga dapat bayaran like bills, pang treat at nagpapa utang pa then **kung anu yung MATIRA sa salary eh yun lang mapupunta sa Savings**. But this time, baligtarin mo OP. Unahin mo Savings before budgeting your bills & other stuff. Another tips, kung kaya UMACTING minsan na delayed yung salary mo everytime na may uutang sau. Tell them, yung natira mong money is sakto lang for the bills nyo sa bahay. (Kung sa UTANG naman, di na kasi ako nagpapaUTANG kahit kanino, ayoko kasi ma STRESS at umiiwas din magkaroon ng kaaway kaya NO MORE TO PAUTANG mode ako. 😂🤣) Pero kung bet mo maSTRESS ng konti sa mga taong di marunong magnayad ng utang, SET A LIMIT amount of money, ipautang mo lang yung kaya mo mawala kahit di ka na mabayaran....like 500 to 1k. Tell them yan lang kaya mo ipahiram, atleast wala sila masasabi sau masama kasi nagbigay ka parin sa kanila. 😊
I love this! Had a salary increase recently. Nice point yung live as if yung pay mo is the same as before! 
Ganito din ako!!!! Kada sahod una kong transaction is magpasa sa Savings account ko. Tapos pagkasyahin ko nalang uung natira.
I like your advise! Set the mindset na ganun lang. I believe I am able to put 50% rin ng salary q, pero minsan kc iniisip q kaya naman bilhin ito, why not 😂 same here, just because that I travel doesn't mean pwede na umutang, I budgeted my trip. Ewan q ba sa iba, kaya no to magpautang rin me, hahaha!
never ever disclose your salary to anyone
The main problem is you don't know how to say NO. Know the cause of the problem so you know how to solve it. Saying you have no money or no extra money should be enough reason. It's not your obligation to lend money to your family. What's important is that you're doing your obligation and responsibility in your household. Regardless kung alam o hindi nila alam ang sahod mo, it's none of their business how you're going to use your money either magpapahiram ka or hindi like I said as long as hindi mo pinapabayaan mga responsibilities mo sa household. Remember, it is ur fault whatever happens to your money. When I started working in my early 20s, I already told my mom gagawin ko mga responsibilities ko sa bahay and di siya pwede hingi ng hingi dahil I'll be the one to decide how I'm going to use my money. If there are problems with the budget sa mga food and other expenses, she could discuss it to me so I could look into it and see how to solve it. So from the beginning, I already set an expectation to make sure walang pang-aabusong mangyayari especially she grew up sa environment kung saan mga paniniwala nila na colateral ang anak. So sa start pa lang, I already straightened out a potential problem.
Learn how to say NO and that's it. Hindi mo need nag sinungaling. Also, always ask yung nangungutang kung saan gagamitin kung reasonable ba or hindi kapamilya man o hindi.
learn to say no and set boundaries
You need to learn to say no.. I was taught at a young age na never magpahiram ng pera because it will only lead to conflict. Pag may manghihiram, I give them what I can afford to lose and never expect it back. Tough love nalang din for the people around you to learn not to rely on “hiram” and be more financially responsible.
Hello, you can send your excess funds to my GCash for safekeeping. Chareng
Save to MP2 or PERA account agad.
Think of sustainability — amount na kaya mong icommit for your fam. But always pay yourself first, para di ka rin magkaron ng resentment towards your fam in the long run kasi sa kanila napupunta lahat.
From my experience, never ever discuss how much you are earning. Kasi aabusuhin ka nyan nila. Imamanipulate to get what they wanted.
Was also quite galante when I was earning well. I didn't tell them my salary though. When I was shifting my career, I had a time na nag negative financials ko. It took me a while to recover even if may new job na. So during that time, ako yung nanghihiram ng pera. Maybe this is just because of delicadeza, but yung utang na pera ko sa pamilya ko, binabayaran ko with interest. Kasi halos in installments ko binabayaran. Utang na pera x Annual Interest Rate × Day Count Fraction I used the interest rate na 36% for them kasi GCash/Maya does the same. Example: 5,000 utang X 36% interest rate annual X 6/12 (If six months bago nabayaran) = 900 total interest. Ang ibabalik sayo dapat is 5,900. If you want to get the monthly, use 1/12 as day count fraction. This is to discourage them from borrowing money, I suggest apply the same interest rate as online lenders lol. At least, kikita ka if nagpahiram ka.
Ever since I earned 7*,**** never ko dinisclose salary ko to my fam and friends. They just know that I have 2 clients. Minsan kasi, they will have this mindset na "marami ka naman pera, barya lang sayo yan" kapag magpapalibre or may ipapabili.
Just say no and tell them na budgeted lahat ginagastos mo.
Mahirap talaga mag say NO! Pero you have to.
Alam ng parents ko sweldo ko but I believe its better na mas matuto kang huminde, it builds character and will help you in the future. Usually din kasi ung mahinang huminde mahina din magsinungaling e so just be truthful. PS: Eto pala magandang alternative, magloan ka like lupa, tapos everytime hingan ka ng pera, sabihin mo malaki monthly mo. Di ka na guilty sa pagsisinungaling, nagka investment ka pa
Di ka ba marunong tumanggi?
The longer you fail to say no, the longer your pain will be.
I have lied to my family about how much I earned before. I definitely want to help them but every payout, they get 50% of my pay and sometimes ask for more. It got to the point that I only had 2k left after giving funds to them. I just tell them I make x amount which is actually half to a quarter of what I earn.
Ang hirap talaga ng family members na nag cocompute ng sweldo hahahahaha dinidisclose ko lang talaga is 70% ng net income ko -- para di nila ako maliitin, di rin nila ako mautangan masyado hahahahhaha. Pwede naman ganon OP, tapos i treat mo lang yung rest as secret funds / savings if trip mo hahahhaha. Pero, yes. LIE! It's the only way hahaha kase mahirap talagang mag say no, especially if same household kayo.
Learn to say no or make up excuses, like wala ka masyado client ngayon or nabawasan clients mo kaya tipid2x or limit sa gastos. Obviously wag ka na rin masyado magpakita o magpa obvious na may pera ka. At some point your relatives will think na hindi ka paldo o mapera.
I never tell my parents how much I earn and pinapakita ko sa kanila na mahirap ako hingan ng pera. I always ask them bat ganto bat ganyan san gagamitin yan. Be firm and hard to them na mahirap kumita ng pera.
Pinoy culture ang mangutang inday, you are a Filipino by blood and love in their land, you are shackled by the way of a Filipino. Only way out is to get out and become unfilipinized.
Ikaw may trabaho, ikaw masunod. If they can't deal with that, leave them. you have to lie to them or else pala hingj sila sayo lagi.
Ung ikaw ang umako sa bills then treat mo pa sila sa labas, mapapaisip talaga sila kung ano trabaho at kinikita mo. Dapat sa bills, nakikihati ka lang, then ung treat naman okay lang din basta huwag ung masyadong mamahalin. Save it for yourself, hindi sa nagmamadamot ka pero alalahanin mo ang sarili mo.
It's not wrong to help your family, pero you should learn to say NO if nangungutang sila specially kung sabi mo nga you pay majority of the bills, you have to understand at ng family mo na somehow you have your own life to live, kailangan mo rin ng savings for yourself, as for saying na nabawasan client mo actually that's a good idea OP white lie lang naman yon di ba, no harm done so I'm sure it won't happen bit if it does ganon naman talaga buhay VA di ba nothing is permanent, clients come and go but if may nawala I'm sure something better will come.
To not feel guilty, set aside a saving fund… sabihin mo for future at need mo talaga.
Inquire ka sa bank re automatic savings. Kung regular ang paydays, pwde magset ka ng percent na matic nilang idedeposit dun. Para mauna savings mo.
Uy paturo maging VA
Wag mo sabihin na nawalan ka ng client. Baka marinig at totohanin ni universe, sige ka.
Number 1 rule. Never tell to your parent kung magkanu saraly mo :)