u/Legitimate-Ad-5266

Due to bad financial habits (was a gambling addict and tried different investment na nag fail due to dopamine rush). I took it as a lesson, parang pinag enroll ko lang to learn about life. Even malaki ang salary ko, wala akong naiipon. Then this year, bigla kong nafeel na “kailangan na nating baguhin to”, “simula tayo ulit”, “talikuran na natin”. I just want to share na dadating sa life natin na magigising na lang tayo sa mga mistakes na ginawa natin. Right now my problem is fixing my emergency fund again, i got some questions whether do I need to save my EF first before budget allocation or start nasa budget allocation of bills/savings/wants (i really need a help here). Anw, to those na natatakot mag start all over again, wag. To those na tingin nila matanda na sila para mag kamali, hindi. Dadating yung time na tatalikuran mo lahat. Luckily, this is my time.

Once reached na ang EF. Doon ba mas maganda idivide ang salary/income into bills/wants/savings? Currently rebuilding my EF after this addiction

Not planning to invest pa as I have plans to migrate din for permanent residency. Proportion for savings will go directly to my EF para mas tumaas siya. Buffer sa bills is stayed lang sa bank for safety net.

I am planning po kasi to migrate sa ibang bansa for permanent residency. I am planning to mag invest sa pag-ibig MP2. Question, pwede po ba ito kung ngayon po ako mag iinvest? Hindi po ba siya mag kakaroon ng problem sa future? Thank you po