Author Topic: Monthly income / salary  (Read 3328 times)

J.warner

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Re: Monthly income / salary
« Reply #20 on: September 12, 2019, 11:40:12 am »
^ I agree - keep your expenses at a minimum.

For those wanting to go abroad because of higher pay- consider also the following:
1. Magugustuhan nyo kaya ang weather dun? Lalo na pag winter.
2. Pano na yung pagkaing pinoy pati streetfood- madalas mahirap hanapin ang mangga at bagoong, fishball, kwek kwek, sinigang, bangus na paksiw, silvanas... haaaay
3. How to make friends? Lalo na if nasa 1st world mga busy tao lagi nagmamadali, no eye contacts, baka pag bigla mo kausapin sue ka pa for harassment.
4. Communication / accent

I lived in the UK and now Sydney, sa totoo lang mas gusto ko pa din sa Pinas (minus the traffic and pollution), sa 40k na sweldo ko dyan nabubuhay naman ako ng maayos, I share room for rent with my sis, I only paid 3.5k each month! Walang ganyan kamura dito lol..  pero syempre we need to make drastic changes sometimes in our lives. And just make the most of it.

mei-mei

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Re: Monthly income / salary
« Reply #21 on: September 12, 2019, 02:47:12 pm »
Basta, be it within PH or migrating abroad, always consider the costs, not only the gross salary.

How much will your new house cost you each month? How much will your daily fare to work be, your meals, tax, etc.? Yung basic needs and unavoidable expenses. Calculate those and then deduct from your realistic new salary offer. Yung net nyan, calculate mo naman the non-material costs like time spent for commute/travel to work, being away from family and friends, emotional investments, health risk/, etc. Then assess if it?s worth it.

iceheaven31

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Re: Monthly income / salary
« Reply #22 on: September 12, 2019, 03:21:43 pm »
agree, agree, agree sa mga sinabi ninyong lahat.

ako ay isang ofw currently based here in KL, malaysia. 8 years na ko dito.
naconsider umalis ng Pinas dahil lang sa opportunity. ito ang unang tumawag na job offer na natanggap ako, so kinuha ko na.
malungkot nung una kasi wala pa yung jowa ko nun (asawa ko na now).
pero buti nakahanap naman akong friends so keri na.
nakasunod rin si jowa 5 months after. same kami ng work so madali lang rin for him makahanap ng work dito. natagalan lang kasi need niya magparenew ng passport.

sa 8 years, lahat ng naiipon namin, nagagastos rin into big expenses: wedding, house rental deposits, pregnancy and delivery, and now migration fund. sayang nga yung insurance na kinuha ko dati, hindi ko natuloy kasi pinandagdag ko na lang yung pera sa wedding fund. hindi rin naman malaki sahod ko kahit na IT ang field ko/namin, tapos naubos pa lahat ng savings pa namin lalo nung umuwi kami kasi hindi namin naanticipate yung gastos sa pilipinas.

anyway, pros of living here: mura ang cost of living, maayos ang lifestyle. wala pang bagyo, at moving ang traffic sa city kahit paano.
cons: my daughter's schooling. either we consider homeschooling (which will make me give up my work), or igagapang namin nang matindi para makapag-IS (unknown pa if we can completely afford it pag nasundan pa siya). hindi epek ang local schools for expat kids. another con is forevs kaming working visa dito so walang sense of permanency, hence the constant pangungulit of my inlaws na umalis na kami dito. and totoo naman sinabi niyo, lalo pa sa industry namin, kaya naman sa pinas na kumita nang maayos. need lang nang maayos na planning kung sakali, kung san ang work, san titira, etc kasi nga traffic at mabagyo.

anyway, on topic: myr7k. freshly increased nang konti. lols. nagstart ako sa rm3.5k 8 years ago. permanently employed under my consultancy, deployed as consultant/contractor sa client. below market average yata sweldo ko. lols.

FayeP

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Re: Monthly income / salary
« Reply #23 on: September 13, 2019, 12:17:15 am »
very, very refreshing ang mga insights nyo, salamat sa inyong lahat...lalong pinagtitibay ng mga sinabi nyo yun desisyon kong wag talaga mag abroad...sa mga kakilala, circle of friends at family ko kasi, maraming gusto mag abroad, muntik na din ako dati mag Japan, because one of my aunts (cousin ni mader) ay may bar sa Tokyo, nakapangasawa kasi ng hapon...uso kasi sa lugar namin magJapan before....nakapasa ako sa TESDA pero at the last minute nagdecide akong mag enroll (second year college lang ako at that time)....kaya halos isumpa ako ng nanay ko kasi ang thinking nya pag nag Japan ako yayaman kami..di nya alam na since entertainer ang papasukin ko dun, gano kahirap kitain yun perang ipapadala dito sa Pinas...

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otra_vez

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Re: Monthly income / salary
« Reply #24 on: September 13, 2019, 06:42:29 am »
^That's why my husband has this joke,  to help/entice your worst enemy in Pinas to come here in the states and if you can do that, then you more than got your sweet revenge if that person had badly wronged you in the past, LOL. 

LOL true. I agree as well that it depends on what you make of your life. Despite what I've shared, despite all the struggle, I don't see myself settling back in The Philippines either. My life is here, my family is here and we have a business so it's really not realistic. And yes, if you're doing very well in The Philippines, just stay put. It's much harder to start from scratch abroad.  Oh and save and save and save.

mysterioza_me

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Re: Monthly income / salary
« Reply #25 on: September 13, 2019, 08:04:12 am »
Never ko naisip mag-abroad para magwork. Feeling ko kasi di ko kaya maging independent (di ako gaano marunong ng gawaing bahay) and parang laging hapit sa oras ang buhay abroad unlike sa Pinas na chill lang. Lahat ng mga kapatid ko nasa abroad ako lang naiwan sa Pinas. Pero ang maganda sa naka-abroad kung masinop ka and yung pinadadalhan mo sa Pinas ang bilis makaipon at makapundar.
If a girl understands your b******t, stick through your mistakes, smiles even when you've done nothing for her , it's obvious she's a keeper. But it's also obVious that you don't deserve her...

paulavalerie

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Re: Monthly income / salary
« Reply #26 on: September 13, 2019, 12:12:57 pm »
yes super stressful sa abroad. Been working here in Singapore for 10 years already, pero di ko na maisip na bumalik sa pilipinas. Stressful man dito, pero yung safety, efficient transportation system, cleanliness, no traffic lahat yun nasanay na ako. cons lang talaga super expensive nang accomodation, paying around 28k php monthly for my room rental. Salary is lower than my friends, around 4000 sgd only but okay na din kasi i don't send money back home, solo ko lang talaga.
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username.taken

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Re: Monthly income / salary
« Reply #27 on: September 26, 2019, 10:56:53 pm »
I make CAD$5,000 a month, that's already net after the super laking kaltas ng tax here in Toronto.

Share ko lang my story, me and my family migrated here in Canada 5 years ago. At first talaga I didn't wanna go because I already have started to establish my career here - i just graduated from university, freshly licensed CPA working in a GOCC for more than a year and I was being paid well- around 45k/month, and that's my first job pa.

When we got here in Toronto, na-culture shock ako. Life pace here is so fast. Literally work-home lang. My first job was at Tim Hortons. I remember pa nga I was cying all the time because back home, I just sat in my desk and I earn good money for my age. Dito, I would clean washrooms, mop the floor, take people's orders. It was a huge blow to my ego. My thinking was "is this all I'm ever gonna be here?" I was SOOO tempted to go back home. I was pretty depressed for a year. Then I had a moment wherein nag decide ako na enough na ang pity party and it's time to get my s*** together. I went back to school to bridge my CPA designation. When I was in school, I was working 2 jobs - Tim Hortons and as a server in a good resto local here. I had to really hustle kasi mahal tuition dito. Each course was like $1,100. I had to take 10. So I was juggling school and working 2 jobs basically. And then while studying tinatry ko na din mag apply sa accounting related jobs. That's when I hit the jackpot and I was hired sa isang non-profit organization backed by the government. Pay was good so I stopped schooling na. I've been working here for more than a year pa lang but my CFO is already grooming me to be the next Finance Manager. Matanda na kasi FM kaya magreretire na in 3 years time.

So I guess what I'm trying to say is, if you guys want to migrate abroad, you should have thick skin and you should never stop hustling. The first 2-3 years will be hard pero kung matibay loob mo, you'll make it and I assure you it will all be worth it.  :)

sarsingkit

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Re: Monthly income / salary
« Reply #28 on: September 27, 2019, 01:36:58 am »
Living in Canada for 7 years now. Despite all the hardships and missing family and friends, mas masaya ako dito. The quality of life is just a lot better. In my 7 years, hindi pa ako umuwi. Hindi ko naisip na umuwi. Yung parents ko na lang pinapapunta ko dito.

letters_to_cleo

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Re: Monthly income / salary
« Reply #29 on: October 19, 2019, 02:25:17 pm »
Hello from EU!  I've been here close to 7 years, si hubby naman more than 1 year pa lang dito.  Net pay ko now is 3.85k EU per month. Parang malaki pag niconvert, pero sa totoo sapat lang  for a comfortable simple life na may konting ipon.  Si hubby may work din, pero mas maliit ang sahod kesa sa akin, net 1.9k EU.  Sa totoo matipid kami dito sa abroad kasi madami bayarin -mortgage, insurance, bills,taxes, haay.  Mas maalwan pa buhay ng parents ko at kapatid sa Pinas (may businesses sila, may mga mahal na sasakyan, at mga bahay)  pero gusto na namin yung kasimplehan ng buhay dito ---malinis na hangin, madaling magcommute, pag nagkasakit ka di mo na iisipin saan ka kukuha ng pangpagamot kasi may health insurance naman, pag nawalan ka ng work may unemployment benefits.   May trade-offs talaga, sa pinas masaya talaga, ang gaganda ng dagat natin (namiss ko to sobra kasi I am from Dvo and Ilocos na parehong malapit sa dagat),pwede kumain sa restos lagi, sarap ng feeling na you are with your own tribe, saka ang namimiss ko talaga, yung chitchat at chismisan with anybody hahaha!  Dito medyo stressful ang work namin pareho kasi efficiency ang vinavalue dito. Tapos since nagtitipid kami para makaipon at makainvest, maswerte na na kumain kami 3x a month sa restaus , yun eh kapag pasok pa sya sa monthly budget namin.:D, nagbabaon kami dito, lahat ng tipid tips ginagawa ko para makasave ng money.  Ang pinakaupside talaga para sa akin is yung pasyal factor.  Dito kasi madali lang mamasyal, over the weekend pwede kami magdrive sa malapit na bansa para marelax lang. Mura lang din ang flights papuntang kalapit Europe.  At may 27 days na vacation per year na pwede mo gamitin panglamyerda.  Every 2 years lang kami umuuwi sa Pinas. But yung parents ko pumupunta dito every 2 years din, so okay na rin, every year nakikita naman namin sila. Gusto rin nila na settled na kami dito kasi ginagawa kaming homebase tapos sila gala gala lang sa Europa, patour-tour hahaha!

Kelangan talaga isip ng malalim ano ang priority at magset ng goals.  Kami makaipon at makapagretire ng maaga-aga. Sa Pinas pa rin namin iniisip magretire  tapos balik balik lang dito para pumasyal. Kaya ayun, kelangan magbanat ng buto ng todo :D
« Last Edit: October 19, 2019, 02:52:40 pm by letters_to_cleo »

J.warner

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Re: Monthly income / salary
« Reply #30 on: October 19, 2019, 07:39:33 pm »
^ hello! Kinonvert ko sa peso, same kayo sweldo ni hubby hes Aussie and were based here in Sydney naman. Its true mukang malaki pero hindi talaga. Haha. Matipid din kami. In fact his car is 16 yrs old na & were not even paying mortgage yet, nagrerent lang kami apartment almost 1/3 of his salary goes to rent alone. Sabi ko din sa kanya, mag tipid lang talaga para we can retire in the Philippines kasi dyan satin mas malayo mararating ng dollar or euro.

exquisitegem

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Re: Monthly income / salary
« Reply #31 on: November 01, 2019, 08:24:01 pm »
Nice reading your experiences abroad mga sis, very honest and it's a new perspective kasi usually sa soc med, ang nakikita mo lang is kung gaano kaganda sa abroad. Pero hindi naman nakwekwento yung hirap magadjust sa culture, yung day to day living. Marami kaming kamag anak who are living abroad pero di namin naconsider magwork sa ibang bansa, probably because the nature of our jobs. Ok naman sahod dito and nakakatravel naman kami abroad for long vacations. It's all about priorities talaga and big factor din yung nature ng job.

letters_to_cleo

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Re: Monthly income / salary
« Reply #32 on: November 04, 2019, 04:01:18 pm »
Hello sis^ Naku true, minsan kung social media lang batayan, kala mo happy happy lagi sa abroad. Pero kelangan talagang magbanat ng buto dito. Husband ko mahilig din magpost ng updates, sa fb hahaha! Ako hindi mahilig. Pero prinsipyo naman nya eh, gusto nya lang ishare ang happy times nya na pangbalance sa mga stress hahaha! Pero nadala na ng konti kasi biglang may kapatid sya ( na di naman naghihirap) biglang nangungutang kasi kelangan daw ng infusion sa biz nya (kaps ng slight, considering travel ng travel etong mga ito, at nakahingi na sa isa pa nilang kapatid na nasa abroad), kaya ayan sinabi ko kay hubby na kakapost nya yan ng pa-brag hahaha!  Super simple lang buhay dito, kung di nga ako nakakapagluto ng baon, ang sigurado na baon namin sandwich lang na ham + cheese, tapos apple!  Oks na yan! Iba ko ngang officemates na dutch everyday talaga ganyan lang lunch. Sila talaga napansin ko simple living lang, pero sa bakasyon sila gumagastos bilang may winter, summer at fall bakasyon sila na usually pinangtratravel nila. So i think in some way naadapt rin namin ng slight .


^^Sis mataas ba mortgage interest sa Oz? And pataas ba trend ng real estate dyan?  Dito ambaba ng interest (2.14% fixed for 20 years) at pwede 100% loanable sa bank. At may housing shortage dito ( dami na kasi expats na) kaya ang trend ng prices ng houses dito is pataas. Kaya bumili na kami, para hopefully pag nagretire kami in 10 years time ( haha gusto ko mag retire before i turn 50!), mabenta namin with profit. :-)

Naisip ko nga na ipa-airbnb yung one or 2 rooms sa bahay for bakasyunistas eh for additional income haha! Kasi 2 lang namn kami tapos asa work kami lagi. Eh may 2 spare bedrooms pa kami. Paparent ko kaya sa pinoys na nagvivisit sa NL? Haha! Gusto ko lang pinoy and asian tourists para masaya kachikahan. Yan target ko side racket sa 2020 tee hee!. Additional income ulit para ka ekonomiya!

exquisitegem

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Re: Monthly income / salary
« Reply #33 on: November 04, 2019, 10:50:29 pm »
^True sis. Kaya minsan parang ang akala talaga pag nasa abroad, ang bilis lang kitain ng pera and super laki ng sahod kaya minsan, madaming families na nageexpect na magpapadala ng malaki/madami yung mga kapamilya nila na nasa abroad. Very wrong mentality talaga noh?

janachen

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Re: Monthly income / salary
« Reply #34 on: November 05, 2019, 12:25:34 am »
Kung kaya naman magbusiness dito, why not. Uso ang online business at mukhang ang iba kayang kaya na bumili. Matuto lang talaga rumaket mabubuhay at makakaipon ka rin dito.

mysterioza_me

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Re: Monthly income / salary
« Reply #35 on: November 05, 2019, 05:59:12 am »
^^Mentality kasi ng Pinoy kapag nakaabroad akala madami pera. Kasi yung mga kamag-anak dito sa Pinas kino-convert in Pesos ang sinusweldo nung tao na nasa abroad, hindi nila iniisip na hindi naman Pesos ang ginagastos abroad.
If a girl understands your b******t, stick through your mistakes, smiles even when you've done nothing for her , it's obvious she's a keeper. But it's also obVious that you don't deserve her...

amethyst028

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Re: Monthly income / salary
« Reply #36 on: November 05, 2019, 12:18:19 pm »
^true mentality talaga. madami ako nakakausap na foreigners i'm a real estate broker din kasi, mga mag re-rent or bibili ng condo dito. yung mga iba mag wo-work dito yung iba mag tatayo ng business or may business na dito. karamihan IT or finance industry nila. they all say the same philippines has a great potential and there are a lot of great opportunities here.

bakit sila nakikita nila yun, yung mga andito hindi maka hintay maka alis ng country natin. kahit sa illegal na paraan gagawin basta maka alis lang. ang sad lang.

although hindi ko din masisi mga nag work abroad. i just hope we can also see the potential of our country the way others sees it.

janachen

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Re: Monthly income / salary
« Reply #37 on: November 05, 2019, 12:43:40 pm »
Guilty ako dati sa ganyan,  kasi ang nakatanim yung conversion ng pera. Kung susuweldo ng 2kUSD nasa 80-100k sa atin...Pero hindi natin naiisip ang gastos doon currency nila.

Tapos ang iba kasi pag uuwi, aba pakain dito, pakain dyan....pasyal dito, pasyal doon. Iniisip tuloy ng iba na andito mapera ang mga nasa abroad.

Ang iba na nasa abroad bigay ng bigay, hindi nagtitira para sa sarili kaya pag uwi para magfor good, ngangey na. Hindi naman sa pagdadamot, minsan kailangan ding gawin talaga ang pagtanggi sa mga humihingi.

Nakatira ako sa Pilipinas pero naoobserve ko talaga yan sa mga kawawang OFWs. Kaya nga walang mayaman na OFWs dahil hindi masinop ang iba.

 


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