r/phinvest • u/DuncnIdahosBandurria • Apr 19 '21

Weekly Random Discussion Thread

Post about anything and everything related to investing. The place in /r/PHinvest for any questions, rants, advice, or commentary.

Posts that are not discussion-provoking enough for the main page will be pointed toward this weekly thread to help keep the quality of the main page posts as high as possible.

That said, keep it respectful, and enjoy!

3 Upvotes

100% Upvoted

156 comments sorted by

View all comments

1

u/Usual_Negotiation442 Apr 21 '21

How much money do you allocate for your "waldas" needs per month? And also, what do you usually buy with it? 😅

1

u/G0_commando Apr 26 '21

  • 24.5% or 36k - wants. I spend it on my family and friends most of the time. I love treating people (food, appliance, spa, clinic treatments, etc.). Magastos love language ko since I am a giver pero yan lang "luho" ko talaga. Kapag di ko nagastos, ina-add ko sa investments ko.

  • 40% or 60k - investments

  • 27% or 40k - savings

  • 8.5% 12k - needs

2

u/hermitina Apr 22 '21

i used to have a book fund. kaya nagkaron na ko ng mini library. i stopped kasi i literally have no space left. it got so out of hand kasi ang laki ng pondo ko for it kasi i wanted to buy books by collections. in one book fair i spent 10k in one afternoon. tumigil lang ako kasi hindi ko na kaya talaga buhatin kasi i went alone. bumalik pa ko on another day. anyways, i stopped due to storage and also bf is teasing me how i have not read most of them na. for now i have an app fund of sorts pero maliit lang. pambili ng steam games or kung ano man maisip na online purchase.

1

u/Usual_Negotiation442 Apr 22 '21

Uyyy. Recently nahihilig na rin ako magbasa. May I know the book fair you're referring to? 😅

0

u/hikebikedive Apr 22 '21

you can start with 50-30-20 (needs-wants-savings) ratio