2018 Financial Goals

[atemai]

february na mga sisses, kumusta ang mga goals natin?

sumali ako sa 2 sinking funds sa office, i'll use this na din to save money,
para meron na akong funds for post christmas gifts this december 2018 and funds for january 2019

[three8one]

yung naka reserved na pang emergency fund baka pwede ipasok sa sa kahit anung investment at the same time. pwede kaya yun??? 

[etxetera]

february na mga sisses, kumusta ang mga goals natin?

sumali ako sa 2 sinking funds sa office, i'll use this na din to save money,
para meron na akong funds for post christmas gifts this december 2018 and funds for january 2019

So far almost done 1 out of 5 at on going yung 2 Yung 2 next na  hopefully

Once lang ako sumali sa ganyang ipuan sa opis

[mysterioza_me]

^^For me di advisable na gamitin ang emergency funds for investment. Ang emergency funds dapat readily available kapag kailangan ninyo, if gagamitin mo for investment paano kung wala pang return ang investment mo at bigla ka ng nangailangan? Ang gagamitin for investment is yung amount of money na willing ka i-risk so most likely sobrang pera mo lang siya. Sa akin lang naman yan since medyo sigurista ako, mahirap kasi ang walang-walang madukot sa bulsa kapag kailangan.

[yumi03]

^I agree. The purpose of emergency fund is in the name itself. Paano mo gagamitin for emergency situations kung naka invest yung pera at hindi readily accessible?

[three8one]

^^For me di advisable na gamitin ang emergency funds for investment. Ang emergency funds dapat readily available kapag kailangan ninyo, if gagamitin mo for investment paano kung wala pang return ang investment mo at bigla ka ng nangailangan? Ang gagamitin for investment is yung amount of money na willing ka i-risk so most likely sobrang pera mo lang siya. Sa akin lang naman yan since medyo sigurista ako, mahirap kasi ang walang-walang madukot sa bulsa kapag kailangan.

wais na miss/is? hehe. nag tatanong lang. ang paggagamitan ko naman ng emergency funds ay kung mawalan ako ng trabaho. we have savings pa din naman na separate na pwedeng pagkuhanan ng emergency na hindi kasing halaga ng monthly expenses. parang ganun.. pero salamat sa paliwanag mo sis, gusto ko din yun. 

[lyrahs]

1. Build my emergency fund again
2. Continue paying my SSS contributions
3. Save para makapag-lump sum ako sa PAGIBIG loan namin
4. Save para naman sa DP ng balak kong buy na condo

[hushush]

Financial goals ko after mabayaran ang mga tuition ng mga bata (early enrollment):
1. Update my SSS and Philhealth contributions
2. Save up for SY 2019 tuition fees
3. Continuous monthly savings and insurance payments

[m0ncheri]

Number 1 priority this 2018 : Travel fund!

[ajtee]

Financial goal for this year is to have 100% return on my capital from stock trading.   

[ANJFinally]

Here's mine same as 2017

1. Monthly Tithe
2. Get a life and health insurance para samin ni husband. (Medyo complicated lang now kasi ofws. Huhu)
3. Will complete na our emergency fund & baby fund in 3 months time (dirham). Baby fund will be our fund para sa delivery & baby expenses namin by July.
4. Maka pag top up sa stock investment namin up before the year end.
5. Continue to save up on our BDO peso account para sa mga biglaang needs sa Pinas.
6. Will open separate Peso savings account for baby once lumabas na sya.

[crisorlina]

30 and no savings?
Is it too late?

http://juanforthemoney.com/free-ebook/

[Maia_Cache]

1. Build my emergency fund again
2. Continue paying my SSS contributions
3. Save para makapag-lump sum ako sa PAGIBIG loan namin
4. Save para naman sa DP ng balak kong buy na condo

Hi sis magkano usually na iniipon mo for lumpsum, by next yr kasi magstart na kami maghuog sa pagibig loan namin, target ko rin mag lumpsum every year, ok na ba yung 200k malaki na ba maitutulong mabawas sa principal or should I aim 300-400k per year?

[airish_2]

Add ko lang yung ipon for next year Japan Spring 2019 ipush ko ito

[rics]

Build our retirement fund
Build an educational fund for our kid (maybe an additional small trust fund to help him out financially in the future)
Be done with mortgage in max of 15years

We have consulted a financial planner from the bank, it is not a bad idea to get an advise regarding money matters. Marami kayong matututuhan regarding wealth management, how to manage your income better, when and how to invest ( stocks, mutual funds, bonds, etc.)

[PwedePadala]

So far natupad na ang goal ko na bumili ng house. My parents and siblings will move in, in  a few days. We are still waiting for the delivery of furniture. Gusto ko sumama kaya lang sa abroad ako nagtratrabaho. 

For the remaining months of 2018, mag-iipon ako para magbakasyon next year sa Pinas at maisama ko mga siblings ko sa out-of-the-country vacation. Never pa namin yun nagagawa. Excited na nga kami kaya lang ang hirap pala kumuha ng passport sa Pinas. Nauna pa akong makakuha ng passport sa kapatid ko.

Note: With a Philippine passport, you don't need a visa to travel in Asian countries. So if you have dual citizenship and two passports, then you can use either to enter a country visa free.

[mysterioza_me]

Note: With a Philippine passport, you don't need a visa to travel in Asian countries. So if you have dual citizenship and two passports, then you can use either to enter a country visa free.

Except Japan and South Korea (not sure if may other country/ies pa that requires visa if you are a Philippine Passport holder).

*******
*Ipon uli para mabawi ko gastos ko sa mga travel goals ko for this year. Yung ma-save ko gamitin ko uli for travel.

[adrianne1]

Read this in one of the articles here:  "An article on CNBC says that in your 30s, you need to have the equivalent of your annual salary saved."

 So my 2018 (and probably 2019-2022) financial goal is to have the equivalent of my annual salary saved. Good luck.

[simang]

^^China I think also requires a visa for PH passport holders. Dati Taiwan rin, but currently waived na Taiwan visa.

^That's a good benchmark

-----

I'm happy kasi kahit nadelay, we're able to slowly build our emergency fund. Next goal is to get another insurance and start our retirement fund naman.

[hushush]

^true. Required ang visa sa mainland kahit 1day ka lang magstay. May chika sa embassy dati (as per travel agents na nakakasabay ko sa pila) na iwewaive din nila kung single entry lang or for a period of 1-2weeks pero ewan ko kung kelan iimplement. Sobrang higpit nga nila pag mag-overstay ka magbabayad ka ng 500 RMB (Php4k) per day then may biometrics pa yan upon entry. Sa shenzhen naman pag-enter mo kelangan ka magpunta sa police station within 24hrs para iregister ang sarili mo. Kasi may mga cases dun na mga ofw bigla na lang sinusugod sa bahay ng mga police for mistaken identity. Katakot lang.. Nawento ko lang. Dami ko lang nalaman last vac namin.