How did you reach your first million?What age and how?Inspirational stories 2

[jellybean0516]

after we got married my hubby and i really had a hard time saving again. before we're able to save almost 40% of our salary but now with all the bills (cc, house, car, utilities, etc) sobrang sakto lang yung income namin and to think that we're earning twice as much as before we got married.

now i want to start saving again and hopefully be able to reach at least half a mil in 3 years (when i reach 30)

[missy16]

pa join!This is an interesting topic..I will read posts from the previous home 

[LimaCharlie]

while i was searching kung ano magandang sideline for extra income, i stumble upon this thread.   i was again asking...pano ba talaga yumaman sa mga from scratch talaga magsisimula. right now, all my savings went to the contruction of my family's house (im single). after the great flood, i realized what's really impt in life (atleast for me).  i want to make my parents happy while they are still living. tsaka nko, darating din yan.   but i will still continue my search kung pano yumaman.

[viellemacey]

^like   we could have a million or even millions when we're determined.

[ishopnowfeelguiltylater]

it actually took me a lot of courage to open this thread

in between saving up for our wedding, paying my life insurance, finishing my MA thesis, paying my SSS voluntary contributions, it takes a lot of patience and optimism na isipin na matatapos din ang lahat ng ito. I miss those days na I actually enjoy putting money in a UITF or a mutual fund. Looking forward ako nun na every pay day may iiinvest tapos tinatrack ang progress.

I have a job na minimal (if not impossible) ang salary increase, but hey, I love this job =) so what I do, I minimize my expenses. Live simply muna ako for now, after 10 years naman tapos na insurance ko. hehe. Kinukwenta ko nga natitira sakin for monthly expenses, parang sahod ng sales lady (no offense), kayang kaya naman pala.   

Me and my bf earns just about the same amount pero masasabi ko na mas maraming napupuntahan ang pera ko, which in a way makes me happy.

I will never get to see my first 100k kasi bawat pasok ng pera, diretso sa suppliers for the wedding. hahaha pero hoping and praying na after ng wedding, makaresume na ako sa pagiipon ko for my first million. It will take me and my bf some eight more years after the wedding to reach our first million together, pero if iinvest namin yun, baka 5years na lang! hehe.

Ang importante lang, isipin kong achievable ito - and encourage everyone to think the same, regardless of salary. Thinking of myself (and my hubby) owning that first million somehow excites me and wants me to work harder for it.

[jellybean0516]

^you're me 2 years earlier.  all of our savings went to our Project Dream Wedding and it had been all worth it. then after the wedding, it became Project Dream House and Project Dream Car so it's really hard to start saving again with everything we need to pay for.  hopefully this year we could start saving for that first million na  

discipline lang talaga, we really need to tighten our belts, resist temptation and keep our eye on our goal. 

[chris_mend]

what's the best way to save and invest money ba?

I'm currently working here sa pinas. Pinapaaral ko din bunso ko kapatid na nasa college na. And at present, andami rin utang ng pamilya ko. Okay naman ang sweldo ko sana pero dahil sa mga bayarin, hindi ako makaipon ng maayos talaga. Wala rin naman ako nabibiling gamit for myself. One year ko na nga iniisip bumili ng laptop pero hindi ko magawa. Kasi nga, di rin biro magpacollege. Parang single parent lang ako. Kaloka

Ano ba ang ideal? How do you divide your salary? Like ilang percent sa ganito sana, sa ganyan.

ang gagaling naman ng mga gtalkers na nakahit na ng first million nila.

salamat po

same here sis..nagpapaaral din ako ng kapatid sa college. gusto ko bumili ng laptop pero di ko makabili kase pagka sweldo ko 50% sa family ko agad.

gusto ko mag business next year pero meager amount lang yun capital para di masakit if di sya magclick.


1M, hopefully before I reach 30. im 25 y.o now.

[a.k.a. HELGA]

Joining here.

This is my greatest dream ever. Magkaroon ng savings. I was not able to do this in the past years. Same with the other sissies, breadwinner ako. I pay all the bills and shoulder all expenses as well as putting my brother in college. So lahat ng nahahawakan kong pera dun napupunta. This year, my brother graduated already, so malaking alwan din sa akin yun, though I still have household expenses. No regret naman, because in the past parents shoulder everything. Right now nag uumpisa na ako magkaroon ng savings. But minsan nagagalaw. Like right now, natetempt ako mag travel a lot but i saw it as a treat to myself after all those years of sacrifices. I'm hoping I could reach kahit .5M lang before I reach 35. Kasi I also want to enjoy life pa rin. . Im 30 right now

[pretinnes]

wala pa. getting there. discipline lang talaga

[simplybrilliant]

dream ko din to.  to have 1M na cash (scattered sa savings, time deposits at mutual fund).  kung kasama properties meron na din sana pero iba talaga pag CASH.  im targetting half M by the end of the year.  grabeng disiplina na talaga ineemploy namin ni husband ngayon ma meet lang goal na yan.

[Leilama]

ako malapit na. Pero matagal ko na siguro to naabot kung wala ako sinusuportahang iba at hindi ako nascam sa isang investment na pinasukan ko.

[aceofhearts]

This is my dream. Hopefully, when I reach 30 I will have at  least 1M savings na. I still have 4 years to go. Lol! I know its possible. 

I need to work hard and tighten the belt and resist all the temptations! Kaya to! 

[geekinheels]

Whew! I'm finally done reading all the posts. And yes! This 2012, I'm gonna save save save.

Ginastos ko lahat sweldo ko for my first year at work eh. Haha. Pero no regrets, kasi parang reward ko na rin yun (for years of studying) and para maramdaman ko naman anong feeling ng may pera. Now that the "happy" times are over, it's time to get more serious.

I just turned 21 and hopefully I can earn 1 million in 5 years. Magiging kurips ako on a lot of things, except sa FOOD. Coz yan ang happiness ko. 

*tightens belt* YES! we can do this!

[elarose]

dream ko din ito..sana ma-achieve namin soon.

[mameejhy]

I will be 30yrs old next month I don't have 1M in cold cash but we (hubby & I) are having a house construction worth 1.1M + preparing for our wedding (300k) + paying for a lot (300k na yun naibayad namin)...

Ngayon, ang laging pumapasok sa isip ko eh yung bank account ko. Once kasi na nakaset na mind mo on a certain target amount, mahirap na mabago yon. True yung sinasabi nilang nakakaaddict magsave kasi ang sarap ng feeling pag nakikita ko amount ng bank account ko. I haven't reached that 1M mark, yet. Maybe in 4 years pa. I'm 25 right now.
4. Have a long-term mindset. Ang nagddrive sakin ngayon to save up eh yung thought na I'm an only child and I need to support myself and my parents. I want to give them a comfortable life naman syempre.

Totoo yan - nakaka addict magsave! Parang gusto ko everyday magdeposit, kahit 100 pesos lang per day hehe

I'm an only child, also. My parents are still actively working but, of course, some day it's my turn to take care of them hence I really need to save more...

Godbless!

Nung nag asawa ako naubos halos lahat ng savings namin ni hubby.. kasi bumili kami ng house and lot then pinagawa at pinaganda namin interior.. then kinumpleto gamit.. kami din gumastos sa wedding namin.. so ayun, dapat more than 1 million na meron kami but because of these things syempre halos naubos! hehe! pero ok lang kasi nag iipon na kami ulit ngayon because we are having a baby na..

Ok lang yan, at least may fully furnished house (and lot) na kayo! Masarap ang feeling na kayo talaga gumastos para sa house at sa wedding nyo, no?

is this from salary alone?? malayo pa lalakbayin ko... hehe.. pero nakahawak na ko, more than a million actually.. i applied for a canadian visa and i sell the property that my mom gave to me, kaya ayun nagkapera ako ng malaki... since nadeny naman visa ko, nakatime deposit na lang muna..

Time deposit? Sis, try mo ilagay yan sa SDA or mutual funds para magka interest ng malaki!

dream ko din to.  to have 1M na cash (scattered sa savings, time deposits at mutual fund).  kung kasama properties meron na din sana pero iba talaga pag CASH.  im targetting half M by the end of the year.  grabeng disiplina na talaga ineemploy namin ni husband ngayon ma meet lang goal na yan.

Eto ang plan ko scattered 1M... kapag nasa 1 account lang eh madali magastos eh

[PrincessC]

ako rin, i wanted to have my first M before i reached 30. i'm only months away from turning 30 but getting a loan to buy a condo wiped out my savings and i now live paycheck to paycheck just to pay off my monthly amortizations. iniisip ko na lang, since my condo is worth P2.4M, once i finish paying that off in 2020, parang naabot ko naman yung goal ko. hehe.

[Shery]

sana nga before ako mag 30 may million na ako! let's pray guys and do our best!!

[pagirllang]

ako din, wala pang 1M na savings. my goal is to reach that amount in 30 months.    it may not be liquid kasi most of it nakainvest sa uitf and sda.  at para hindi ko naman maramdaman na deprive, pati mga luho ko nakaplano,  each pay may maliit na contribution for my luho.   i plan not to buy any major thing like car or condo/townhouse unit within this 30-month goal.   Gusto ko ang interest mostly nun ang gagamitin ko for downpayment, para konti na lang idagdag ko.
[/quote

narating ko tong goal na 1M before 30 but when I reached 30, ayan, i bought a car -in cash, a condo and a parking lot - mostly cash + loan (being rented)  and a second condo (on-going). at dahil ako ang pinakakuripot sa office (starbucks ang mga officemates at ako naman eh VENDO coffee lang!). Luho ko lang ay...bags.  Naabot ko naman siya ulit in a little over a year from salary + income for the condo rental. Pero I plan to pay the second condo in full para may cash flow ulit. then siguro ipon ulit for another investment? how to get there - 80% of the salary saved. Of course dati mas mababa dahil nagpapaaral din ng mga kapatid. Mabuti na lang at mura ang tuition sa UPD noon. lol

[hearty_flakes]

me too i want to reach my 1st M... it will not be easy pero since naka set na utak ko now to save.save.save. and namotivate talaga ako i hope kahit 100k mameet ko this year... yun din gusto ko sana by 30 or b4 makuha ko na ang 1st M ko... 

[yeen16]

i got my first million when i got married..since dalawa na kami ng hubby ko ng work and nung time nayun ala pang baby..I am 24 that time.but my 1M is not in cash coz we already use it to buy our house and a farm.before that hindi talaga kami or ako ng si save that much kasi we used to buy all the things we wanted..especially material things until I've decided to invest already.Kasi i feel we're not getting any younger every yr our ages ads up..but when single pa ako i also saved but not that much kc I also help my families..Right now we had a baby already so hirap mgsave talaga lalo na u wanted the best for your child so you have to spend talaga..but it's worth it..and huminto rin ako ng work so talagang mahirap.but maybe in God's will i can save that much when i get to work again.By the way,I worked abroad since i'm 19.and I got married at 21.....