Do You Discuss Finances w/ Your Friends?

[mameejhy]

Do you discuss financial matters with yours friends like, saving, investing etc? Why or why not? How?

Hindi ako nagsheshare/ nagtatanong ng mga ganun dati kasi parang nakakahiya  Well, until now hindi pa rin kasi sa forums lang ako nagtatanong  pero nagpopost ako sa fb ng personal finance articles

[superbubly]

ako sis hindi ko masyado sinasabi lalo na kung savings ang pag uusapan, kasi ang tendency pag sinasabi mo sa kaibigan, is....(sorry kung parang ang dating is madamot, well hindi naman... basta I hope you understand my reason...) uutangan ka, depende pa kung gaano kalaki yung hihiramin, pag tinanggihan mo konti, may tampo or konting galit kasi di ka nagpahiram.... so para safe na lang is wag ko na lang sabihin..


basta pag pera pinag uusapan I learned my lesson from my previous experience, noon I discussed it with my friend, and ayun humiram siya sa akin, the dyahe part is pag naningil na, kakahiya sa part ko yun although its my right to ask for it but still didyahe ako maningil baka sabihin grabe naman di man lang ako maghintay na siya na mag initiate na magbayad.... which I really really hate talaga....


di ko alam kung tama yung paraan ko maybe hindi haha but this is for me the best thing to do para safe ang pera at relationship naming magkaibigan.


Kaw sis bakit ka nahihiya? Kung tutuusin sis mas nakakahanga pa nga yung mga nag-iipon, nag iinvest kesa sa mga taong panay yabang.....

[chinablue]

i tried discussing it with a friend before. what she told me in return? mag-aasawa naman na daw siya so no need na magsave. yung asawa na daw niya bahala dun. So ang sabi ko naman dapat magsave ka din at wag mo naman iasa sa magiging asawa mo ang lahat. that was the last time we talked about it. ayoko na, haha. besides balak pa niya ako utangan dahil alam niyang nagsesave ako. sabi ko na lang, di pwede dahil nagreremit ako ng pera sa pinas.

[bratinella08]

i think, we have to discuss this matter sa trusted friends lang natin exercising financial management. tama ka sis superbubly, di sa pagdadamot, kaya lang nakakadala magpautang, ikaw pa mahihirapan maningil. good thing i have friends who has discipline in money and know how to invest.

[chefron]

ako i do, in that way nakakapagbigay kame opinion regarding sa mga ways na we are lacking.
sharing some infos kung hindi tanggapin ok lang.
walng makakutang kase walangipapautang hahaha

[mxherr5]

I do but only when they start it hehe
I have a reputation for being kuripot and
knowing how to invest in the office.

So, I sometimes get questions about
personal finance and investing.

But I never initiate, sakit lang sa ulo.

@superbubly, I'm surprised you have that
problem. I usually say my money is tied up
in various investments and I can't just take
it out.

If they persist, I say I pay a penalty. If they
offer to pay the penalty.. I agree depending
on the situation then I get a colateral, like
cellphone and other gadgets.

So far no one has defaulted yet hehe.
I even get a nice profit from lending =D

And I don't normally seek payment..I just
ask them. Are you planning on paying? I'm
going to sell your cellphone,PSP,etc to recover
my money. Works everytime hehe

[amie30]

I do! but sa trusted/super close friends ko nga lang (2girls)... alam ko rin naman di nila ko uutangan dahil alam ko they are saving on their own:)

ako, masaya ko kapag eto topic namin ng friends ko,usually ako nagiinitiate sa kanila... ako rin taga-push nila to save and save!! sa aming tatlo kasi, ako unang nagkafamily, so parang feeling ko, everything I have learned from being a married woman/mom, I have to share with them, gusto ko matuto na sila kahit di pa nila naeexperience yung mga gastos ng may pamilya. natutuwa lang ako basta mashare ko sa kanila yung mga nababasa ko rin dito

Im really happy being part of GT dahil sa mga natututunan ko dito, kaya I really share it to others as well personally, kaya kahit sa mga barkada ko nung college, I really encourage them to manage their finances wisely, alam naman nila di nila ko mauutangan dahil may baby na ko

[superbubly]

tama ka sis @bratinella08 kakadala talaga magpautang I swear super!!   gustuhin ko man ishare yung kung paano ako humawak ng pera ang kaso pag hindi niya maapply sa sarili niya ikaw ang unang papasok sa utak niya na oy my savings yun puwede ako manghiram.....


@mxherr5 uu hehe nakaka encounter talaga ako ng ganyang problema pero di na masyado ngayon kasi ayun nga hindi ko na ito masyado inoopen ayaw ko na haha (ang bad ko), kasi naman sis, yung friend ko na yun may regular na trabaho sa kilalang company eh mas malaki ang kita nun sa akin eh hamak na business lang meron ako, so nakakapagtaka na wala siya maipon sa laki ng sweldo so parang di naman ata acceptable yung reason na uutangan ako dahil meron akong savings na nakatago...... kailangan lang talaga na minsan wise, at hindi dapat lahat ng bagay isine share ang info sa kaibigan ang lahat lahat(that's only my opinion hehe based sa experience ko

[mbeeyap]

hindi masyado. ayoko kasing mautangan, mawalan pako ng friend.

[aquacharly]

BFFs:    We ask each other technical questions related to investments or deals.  Of course, share mo particulars with  the 1 pinagtatanungan mo.  But it is understood hindi na lalabas yon. 
Examples:  They ask me a lot about leasing matters.  I ask a friend a lot about taxation for real estate I flip.   Kung sinong may alam, shares -- IF you ask. 

We do not talk about what we have, gonna have, etc.  And parepareho kami ng mindset:  Walang utangan!  We will not go into  business/deals together.  But we share contacts. 

[rianne_mallows]

sila(friends) nanghihingi ng advise regarding their finances..

ako, i dont..  magkaka-idea sila na may excess cash.. so baka mangutang hahaha

[pinkberries]

generally i don't discuss finances with anyone.  only in forums, kasi anonymous.   
ayoko ring uutangan, kasi ang hirap maningil.   

[Aichusyu]

I do discuss it if they need ideas on how to manage their pay, how to save. I always talk to them if they need a second opinion. I base it only on my personal ideas and experiences because I'm not a business or finance grad naman :p but I have a sense of these things so I'm very flattered they acknowledged that.

One co-worker came to me and whispered that she bought the same exact plastic envelope organizer as mine, because she always sees me budgeting every pay day, putting things in my organizer, organizing my money, which goes where. She said that she was "inspired" to do better with her money. I'm so happy for her, she has just opened her first bank account and her first education plan (she's a single mom) recently from her savings in the organizer. I follow kasi the "envelope method". It works for me, I'm so glad it worked for her. 

[curlygurl]

we discuss insurance [textspeak!] but not really investments as most of our money is 'palabas',(weddings,masteral degrees) no other income except for salary.

[mameejhy]

Kaw sis bakit ka nahihiya? Kung tutuusin sis mas nakakahanga pa nga yung mga nag-iipon, nag iinvest kesa sa mga taong panay yabang.....

Nakakahiya baka isipin nila eh nagyayabang ako... 

Nagpopost ako ng mga artciles sa fb ko then pag may nag ask example re mutual funds, ayan nag bibigay ako ng more info 

i tried discussing it with a friend before. what she told me in return? mag-aasawa naman na daw siya so no need na magsave. yung asawa na daw niya bahala dun. So ang sabi ko naman dapat magsave ka din at wag mo naman iasa sa magiging asawa mo ang lahat.

  Grabe naman sya! What if iwanan sya ng asawa nya or mamatay agad ang asawa nya - paano na sya? This reminds me of my college classmate, sabi nya hindi daw sya magwowork sabi ng dad nya (politician) kasi kaya daw naman sya buhayin ng dad nya at maghanap na lang daw ng asawa na kaya syag buhayin... Oh well... 

If they persist, I say I pay a penalty. If they
offer to pay the penalty.. I agree depending
on the situation then I get a colateral, like
cellphone and other gadgets.

So far no one has defaulted yet hehe.
I even get a nice profit from lending =D

And I don't normally seek payment..I just
ask them. Are you planning on paying? I'm
going to sell your cellphone,PSP,etc to recover
my money. Works everytime hehe

Ok ka ah nagka instant sideline ka pa! 

BFFs:    We ask each other technical questions related to investments or deals.  Of course, share mo particulars with  the 1 pinagtatanungan mo.  But it is understood hindi na lalabas yon. 
Examples:  They ask me a lot about leasing matters.  I ask a friend a lot about taxation for real estate I flip.   Kung sinong may alam, shares -- IF you ask. 

I envy you sis - 2-3 lang yata kami may business (and, business-minded) among my friends... lahat employees

[JINJIN:*]

only to my very close friend, hindi sa lahat. Pero kase hindi rin naman marami ang inveestment ko, I have yet to save my 1st million waahhhh!!!.

Anyway, dun sa isa kong very close friend, sinabi ko sa kanya ang mga investment ko. Chaka kung me mangyari sakeng masama at least merong isang taong nakakalam kung ano ang meron ako diba, wala naman kase akong last will and testament hehe.  So apart from that purpose, eh gusto talaga siyang ma inspire na magsimula na. Pareho kaming OFW kase. Hindi naan sana niya naiingit saken at gumawa ng masama in the future. Tungkol naman sa utang...ako talaga ang takbuhan ng mga friends ko, pero kase [textspeak!] payer din naman sila.

[Cheesecak3]

yes we discuss about investments, financial planning pero walang utangan. alam naman nila yon.

[whitestarrr]

Before yes, but now I don't nakakadala pag inuutangan ng friend

[lclanzaderas]

yes. wala naman utangan na nangyayari. =)

[Amphitrite]

I do.

Kadalasan ako yung naghihikayat sa kanila na magtipid at magsave. Mas matagal na sila nagta-trabaho kaysa sa akin pero ni piso wala silang ipon at andami pa nilang utang, mga credit cards na hindi nabayaran. Minsan gumawa pa kami sa excel kung paano hahatiin ang sweldo nila na meron parin savings, kaso wala epek. Magastos talaga sila, ang hilig magkape ng mahal saka may mga bisyo kasi. Alam din nila magkano ang pera namin ni husband every month, sahm pala ako. Hindi naman sila nangungutang kasi alam nila kung paano ko hinahati ang pera namin at ang savings namin ni hubby naka-time deposit agad so hindi nawi-withdraw. Saka alam nila na mahirap mag-utangan between friends.