chessboxin

Songdo is a university-business district. Better head to Incheon. The anmabangs are usually beside police stations and government offices. You wouldn't miss them. You need to be able to speak some Korean though.

Any legitimately rich people would know that there's zero benefit from bragging that you're rich because: 1. Uutangan ka lang; 2. You will attract the wrong type of women, the gold diggers and 3. If you lose your wealth by some unfortunate circumstances, people have something to say. But it's also not good to be frugal. Always live a dignified life kasi may mukha din wife and kids mo. My entire childhood, my parents were extremely frugal even though we're financially comfortable. I think girls thought I was poor kaya hindi ako sinagot ng lahat ng niligawan ko when I was still studying.

Sa totoo lang our hobby was more fun around 2-3 decades ago. It was way cheaper back then and the FV/BV was far higher than the average right now. To tell you how cheap it was, I was a college student on allowance and I was even able to regularly go every 2 weeks. Now I'm working and it even takes me a while to save up for a visit. Kaya hindi ko pinagsisihan yung nagastos ko throughout the decades, kasi hindi na ulit babalik yung ganyang rates na tipong twice a week pwede ka pumunta.

Actually, a Japan trip is not as cheap as it was a few years back because of the plane tickets. I used to ride JAL and just paid 22K a few years ago. Now due to the insatiable demand by tourists, its already 40K+. It doesn't even make any sense. Plain and simple price gouging.

Actually it does not pay to delay travelling because prices constantly increase. I didn't regret going to the US several years ago because back then the US was cheap. Airfare was just $700, hotels were just around $120 and you can easily eat out with $20. Now expect your airfare to be $1400, hotels are $250-300 and $20 will just get you something at a food truck. Japan is probably the only exception. For those already conscious during the 90's, you'd know how expensive it is back then. Late 90's, ramen was already 250 pesos. A subway ride was also 200 a pop. It was a status symbol as only rich people and japayukis were able to go to Japan. Kaya swerte mga tao these days.

Surprisingly, there are a lot of rooms in Makati under 2K that are not bad. Just make sure to sleep with your clothes to avoid mites. I sometimes have successive meetings in Makati and I get a room so I have somewhere to stay the entire day. Its cheaper than hanging out in some cafe then having lunch or dinner outside.

3,500 for BK and 14,000 for ATW. That's expensive even for Chinese standards.

Ang Pinoy papapasukin ka muna sa buhay nila na akala mo magkaibigan kayo, tapos pag alam nang kaya ka iguilt-trip, mangungutang na. Ang ibang nationality pag kulang kinikita kukuha ng second job or mangungutang sa credit card. Ang pinoy ang solusyon e itry mangutang sa 100 tao na sana at least may 20 magpautang.

Kung sino yung alipores na nilibre lang sa KTV, usually sila pa ang mayabang. Mahahalata mo sino alipores e sila yung sinusulit lahat na akala mo unang beses pa lang makaapak ng KTV.

Kung akala niyo magbabayad "in kind" mga bilat na pinautang nyo na hindi nagbayad, think again. Pakapalan ng mukha ngayon. Pag kuha ng pera mo, hit and run na talaga. Kaya kung may iba kang intention dapat kaliwaan.

Nakakaburat maglakad ng umaga o tanghali kasi ang daming mag tambay o palaboy na nanlilimos. Alam mo talagang palaboy e kasi pag nakaupo sila patingin tingin sila sa paligid sino pwede malapitan at malimusan. Mas maganda maglibot ng after 10PM kasi naguwian na sila.

The problem with these banks and the BSP is that they're adopting Western standards to a very financially informal country like the Philippines. A majority of people here earn money without the necessary documents. We're a developing country. People have side hustles which are not illegal. It just doesn't have the paperwork.

Legal ba na maging formal workplace policy ang "Bawal mangutang sa katrabaho?" We are seriously considering it because we are tired of some serial borrowers pestering other hard-working employees asking to borrow money. Nagrereklamo na rin iba na marami na ngang trabaho, dadagdagan pa ng mga katrabahong feeling close.

If you noticed that money is easily pouring in, save as if you're a college student. That way you can live like a dignified person when the faucet is closed. It does not matter whether you're employed or have your own business. Years of easy money do not last very long. If you're employed, companies can close down or you can get retrenched. If you have a business, your sales can easily dwindle overnight due to a competitor or the business environment. If you have been through income loss or decrease for more than a year, you'll realize how depressing it is. It's different hearing it and experiencing it. You start doing excel sheets of your spending, you stop doing routine things for pleasure, and you suddenly have more idle time in the house because you're trying to save money by not going out.

Yan ata mantra nung isang may utang sa akin na hindi pa bayad pero nakikita kong nagttravel sa Japan.