Speechless when client asks how much do you need to have a comfortable life
When your client asks you “How much do you need to have a comfortable life?” I was speechless and don’t know what to answer. Anyway kung kayo magkano ba talaga?
Honestly what I’m earning now is enough naman but I’m still looking for other clients because bukod sa expenses I also want to have savings for my kids and other investments. So hindi ko tuloy alam kung magkano isasagot ko.
He told me to just get back on him tomorrow. Any idea or suggestions?
60 Replies
100k a month
Mga 100-150k po monthly SHEREP
Agree sa 100k to 150k, that will cover investments too.
above answers were right. you have to earn 100-150 para maging comportable buhay.
120-160k 💯💖🤗
We talked about this on our podcast lol
Pag cinompute niyo sa harap ng tao yung gastos niyo to live a comfortable live, baka di niyo alam san mapupunta yang mga 100k niyo hahahaha
100k-150k kashing! kashing! 😍
Sarap naman ng ganyang tanong!! Sana halls!
To own a house nalang kamo while considering your daily expenses which is the one you are earning right now. Tapos computin nyo ang monthly ng bahay hahaha
I'll not answer in figures.. I'll just say an amount that is enough to feed my family and send my kids to school, provide a roof on top of our heads and a little for us to save for retirement.
Compute everything from your daily expenses, up to the savings that you need para sa kids and other investments then give him that amount.
You can compute for that based on your current needs. Then your income should be budgeted as 60% Expense 20% Investments 20% Savings.
Is this a question about how much you would get for your salary? If so, ask them how much they can offer you first, from then you will have the upper hand. Having to know their capability to pay you, and your worth.
Isali ang future sa computation. Educational plan, investments na binabayaran every month.
Goal is 100k to 150k per month. ✔️ But better if more no? Like you have your own business and all 🙂
40-50k is enough for me but must be long term like up until makatapos si anak mag college. Hehe not much but 40k will go a long way na for me and my daughter.
Ika nga what is comfortable life to you. Its a trick question ni client.
The question is "how much" so the answer is an amount.
NOTE: If you don't know how much you need to live a comfortable life, at least a life YOU think is comfortable, you need to start setting some goals.
If it were me, I would answer 4,000 USD a month, to me that's comfortable. Also then note the client did not say "lavish life".
Maybe it depends on what “a comfortable life” is to you. Kahit po kasi gaano kalaki ang income, if not handled properly, some would still end up na parang kulang na kulang padin. 🙂 I hope your talk goes well with your client and that you’d be given a figure that would help you reach your goals. 👍🏻
are you tracking your expenses? you can start from there. If you spend 50k a month without savings, I'd say base your answer on that amount. so you need to earn about 70k a month for you to have savings. kng saving ang goal mo.
plus 60% of what you are earning now, para may savings ka na 😁
We all have different interpretation of a “comfortable life”. Mine would be 1M weekly. 😂😂😂
Comfortable life is you don't have to earn anymore just to survive everyday. If you have enough investments (that earns enough interest per year) to cover all your needs, and you can just work when you feel like it (or even not work at all) to have extra money - that's what's comfortable :)
Mas maganda sguro if you will share your short term and long term goals with him. Wag mo muna bigyan ng computation yaan mo sya magcompute hehehe! Baka may way sya maka help to achieve yng goal mo. Syempre dapat clear din sayo kung ano nga ba ang goal mo para ung makatotohanan kapag nagkwentuhan na kayo😊
u give him ur own rate based on ur skills, know ur worth sa mga kaya mung gawin sa biz nya thats a good one! Kasi ikaw mag decide magkano ung pay mo. Ganyan nman talaga. then proceed on telling him why u strived hard learning those skills is to give ur family a comfortable life.
For me a comfortable life is being able to give more time for my kids, have time for church engagements. Being able to provide well for my kids until they graduate from college. Yung hindi ko na problema ung bahay kasi we own it already. 60k per month will go a long way
I guess depende sa lifestyle na gusto nyo po. Yung mga tambay wala sweldo pero komportable sila. 😁. Add nyo po siguro kung ano yung komportable sa inyo na lifestyle at investments then divide nlng monthly. Good for you the client is asking you that question. It only means that you are valued as an employee.
Compute mo monthly expenses, with tuition, health insurance etc. Then add ka Ng ideal savings mo a month. That way may maipapakita Kay client na eto ang real expenses mo vs kinikita mo currently sa knya. Muka nman willing si client to meet halfway or something para ma achieve mo yan. That way ndi mo na kailangan mag second job para mas focus ka sa task mo and ndi masyado pagod at may time pa para sa pamilya and sarili mo. 🙏
150k would take me a long way I feel.
Yes kanya2 po tayo ng definition ng comfortable life. Pero kung ako po tatanungin cguro I’ll base it on having financial security muna for the family meaning having insurance for you and your husband, educ plan sa mga kids, HMO for the whole family, critical illness insurance for the whole family. I will feel comfortable knowing na kahet ano mangyare d masasayang pinaghirapan naten since we’re insured. Then the rest you can work on it since sabe nyo naman po enough yung sahod nyo.. P.S. D po aq nagbebenta ng insurance huh 🤣🤣🤣
Just tell him, as long as i can provide a good education for my kids and their daily needs and all expenses im fine with it. 50k a month to be exact.
This is a subjective question, some people earn huge but are not happy with what they earn because their lifestyle is making it harder for them to set aside money. Some people earn little and manage to save a huge bunch. It depends on several factors really, measure up your expenses and multiply it by 3 that should give you an idea of how much you should be earning to live comfortably.
I am enjoying this topic :D - As far as I can see, a lot of us masayang masaya na sa 150,000 pesos a month. And in this industry that can be relatively easy to achieve.
150,000 pesos with a forex of 49:1 would be about 3,100 USD - working 45 hours a week X 4 = 180 hours a month, that would be a rate of $17/hr. on a single client OR two clients paying 8.7/hr each.
Give an estimated figure that you deem to earn in a span of ______ years for children's education, medical, etc.
no offense, but I've seen that as one of the questions by some HR.. not necessarily mean the numbers but still a tricky question tbh! ☺️
Having a comfortable life depends on your lifestyle. madaling magbigay ng figures but will those figures suffice your needs and wants including your family?
For me there's no such thing as contentment in terms of being comfortable in life. Wala kasing taong kuntento sa financial aspects. Kasi kahit nga yung pinaka mayaman dito sa buong mundo, still looking for investment kung pano pa nya mapapalago ang pera at ari-arian nya. Sa paglaki ang income natin, paglaki rin ng expense kasi pataas ng pataas yung goal natin sa buhay eh. Pero yung level na kumportable ka na talaga, marereach mo siguro yun pag matanda ka na, and naghihintay ka nalang ng oras mo eh. Yung tipong lalabas ka lang ng veranda ng bahay nyo papanuorin mo nga ka apo apohan mo na naglalaro hahaha. Yung wala ka nang iniisip na may maiiwan ka kasi settled na lahat at maayos na ang buhay ng mga maiiwan mo.
Comfortably? Depende sa lifestyle and sa location. I would say at least 100k a month.
Don't ask for much. Baka test lang din ng client mo yan to see how far you will reach for the golden pot. Siguro yung kumportableng buhay ay yung tipong kumakain kayo ng 3x a day, bills are covered and everyone is healthy. Ganon lang. Good luck.
As your income increases and so are your expenses. But, you can always manage it. It will solely depend on your way of life. Simple living even if you are earning more.
I think he just asked what's enough for a comfortable life. Di naman luxurious, ideal, dream, o future-secure life. 😛 Also, comfort means different things to different people. I see comfort as being able to spend time with family, having time for myself. Kung puro work nalang at regalo nalang ang nakakarating sa pamilya ko di na ako, parang di na worth sa akin yung ganoong pursuit of money. Kung nasa mahal, sikat, at masarap na restawran kami, pero buong meal e nasa FB o game ako o nagka-client call, di na rin worth it di ba? 😛
Sinabi din toh ng long term client ko. Yung 1 buwan kung sahod dati sa kanya ginawa niyang 1week. Pero di ko parin tinanggap, binigay ko sa asawa ko yung task. 😂 Bigla na kasi siyang nawala dati, tas bumalik madami akong clients, medyo napaisip pero dun ako sa marami para may assurance parin na tuloy ang buhay bilang freelancer. 😊
When my Aussie client asked me "what hourly rate will make you happier?" Napasagot ako ng "double my existing rate?" Ayun, binago agad ang rate ko. Hehe. Double talaga. :)
If I would be asked the same, siguro I’ll give a figure based on my work and what I did or what I am contributing to his business vs how much of a success the business is. I can’t and don’t want to ask too much.
After achieving your "Comfortable life" goal, you'll ask for more. Pero okay ang 100k - 200k a month in exchange for your loyalty to your client alone. So walang ibang client ka na iseserve sabihin mo. Then set aside for Emergency Fund, Investments (Stocks, UITF, MF), Life Insurance (Term, not VUL), start a business at home. Then spend from the money you had earned from investing and your business.
Everyone has a different amount of comfortable living. Try to write down ur goals. What do u wanna have in the next ten years. A nice house? Ur kids education, ur retirement plan, business, put amount of each. Then sum the total amount, divide to 10yrs, then divide to 12 months. You'll get ur ideal monthly income. To have the comfortable life in the next 10yrs
Hi it's a trap question. Instead ask your client what is his target income goal that you will help him achieve. Always know your worth thru competitive pricing analysis
If this is a new/prospect client - medyo hindi ako convinced na offer sya. More like curious siguro kung ano pa ba ang kailangan at kulang mo o hinahanap mo?
Comfortable life yung di ka magiisip na ng extra client siguro para makapagFocus ka sa kanya. Yung may labis ka sa bills mo Yung may panggala ka na at savings din
Para sa akin, iba yung luxurious. Magkakaproblema din kung magiiba ka ng lifestyle kasi nga comfortable ka na. 🤷♀️
Let me share sample computation.
Comfortable Life for me:
Monthly Spend: ₱40,000.00 Including pets, grocery and utility bills maybe kids (oncr I have one)
Savings: atleast 30% ng kinikita ko which is ₱120K/month. Sabi nga dapat mas malaki savings kesa sa ginagastos mo. But wait it's because I want to pay for insurance for myself and my family.
Life Insurance: Depende sa worth mo, kasi may choices na pag ba iniwan mo ang family mo gaano kalaking halaga ang pwede nila makuha? For me is ₱50K enough na siguro. Some premiums you need to pay ₱5-10K/month, good investment ito para sa mga family with cancer history at sa lahat nadin.
Car: ₱10-20K/month House: ₱10-20K/month HMO: Kung provided ni client mas okay, but if not I'm sure meron mga plans for family, say for example for a family of 4 mga ₱10K/month.
Lastly death insurance: ₱12K annual.
Total of ₱123K versus my income. Sample lang po. 😁
Kung ako yan ay hindi ko ibabased sa monthly expenses + savings ko. Kasi kung yon ang basis ng monthly income ko ay baka nasa lowest bracket ako haha. Personally ayoko ng full time client kasi back to zero kapag nawala. Pero kung sakali man na iaccept mo ay i-monetize mo yung risk of losing all income anytime and opportunity lost kung ginawa mo sanang business ang remote job (freelancing, outsourcing) pero you decided to be an employee.
Ask for what you really want. But be ready for ceiling and floor rates. Para your expectations will still be met.
Depends on how much you really need and what you want, and what your goals are. Then compute it: Salary - (personal, family, emergency and travel savings + expenses + insurance)
Each individual has their own level of comfort and has different ways of spending kaya you have to determine yours.
$15 per hour para you don't have to find another client and more time to your family. I think your client is asking for a figure.
I was asked the same question by two clients last month during the interview (January). I told them with full honesty and what I was planning ahead for 2020... and now the rate is more than I could ever ask for. Hit the sweet spot lang. 🙏
Maybe 100k a month and a simple living will make you comfortable already 😅
This is a test. Clients asks this to measure your motivation to work with him/her. Many ways to answer this question. My suggestion is, focus your answer to anything that will keep your client engaged long term and a win-win for both of you.
100k to save and to be secured.
What is the highest competitive pay for your work? Comfortable life for me means you are able to pay for:
- all your bills
- apply for a mortgage/ pay for your mortgage
- insurance policies and retirement
- or contribute to passive investments
- for leisure and periodic holidays
And after all of that still have money to save for: Emergencies and future investments.
Where is your client located? What state? If your client is located in California, Hawaii or a state that has high cost of living, they don’t mind paying you at least half of the average wage. Also, consider the type of work you do and your minimum wage requirement.
$20/hr
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