u/Due_Elephant9761

As a tenant, may right ba ako magreklamo na alisin mga tinatambak na gamit sa tapat ng unit ko?

Solo living ako kaya ang hirap mag-approach dito kasi mamaya isipin nagrereklamo ako at pag-initan nila. Ilang taon na ako nakatira dito and unfortunately, di ako makahanap agad ng lilipatan since I have pets. Umay na din kasi ako sa nagyoyosi sa tapat tapos may manukan pa malapit. Di ko alam if landlord yung naglagay or yung brother in law nila ng malaking drum sa tapat ng bintana ng room ko sa baba pa ng window AC nakatapat. Since tag-ulan na eh kahit nakataob, may times na yung pwetan ng drum eh nag-accumulate ng tubig. Nag-worry ako mamaya bahayan ng kiti-kiti. As a tenant, may right ba ako ditong magreklamo na ilipat nila kung saan pwede? Yung tapat pati ng unit ko may mga sako-sako ng pinaglinisan nila galing sa mga kanal ng compound. Last year pa nila nilinis yun, bago mag tag-ulan e hanggang ngayon andito pa rin although di naman kadikit ng pader ng unit ko pero nasa tapat which is katapat rin ng bintana ng kusina kaya pag tag-ulan sobrang baho kaya sinasara ko na lang tuwing gabi yung bintana.

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u/Due_Elephant9761 — 2 days ago

I, F28 feel like I'm microcheating and started second-guessing my relationship with bf, M30. Do I need a break or a breakup with him?

We've been together for 4 years now and I told myself if I couldn't get an engagement ring after 3 years being together, I would think I'm not the one he wants for life. I started second-guessing since last year because we both don't seem to grow together and still not engaged. I just started to realize we both have our differences and future goals. He initially told me he wants to live with his parents and take me there if we get married. I've been living independently for more than 5 years now so I feel like I got too comfortable living on my own, and I want to live alone with a partner. Although in this economy, it's practical to live with other people but I don't think I will get peace. His parents are nice anyway but I sometimes feel something off with his mother.

Anyway, I think maybe I just changed my goal in life or still trying to figure out what I really want. Tbh, I'm feeling kinda anxious without security on my own since I only considered living alone due to my dysfunctional family and I never want to go back to them since my elder brother abused me. Back then, I was thinking I would want to be married but lately I've been thinking I just want to be alone. I feel like I don't want to settle anytime soon, or if I would settle with someone, I can't see him anymore in my future because I do not want to live with in-laws. Anyway, while we were talking few months ago, he started telling me again he will inherit his parent's house so he plans to live there too. Idk maybe it's only me because I lived in a dysfunctional family from parents without their own home and broken relationship between my mother and father that's why I feel off with him talking about that.

We barely have conversations anymore that make sense because I feel like he's struggling at his job, too so I can't find a time to talk to him about this. I kinda stopped liking him and I feel like I'm starting to micro-cheat because I'm starting to think about what-if scenarios in my mind from some of the guys in my teens that I was linked romantically, not entirely my exes because I only had one before my bf now, and I hated that ex because we're toxic to each other. Anyway, I was starting to think about one particular guy in my teens who confessed his feelings toward me back then but we live far from each other. For some reason, I just randomly thought about him and couldn't stop thinking about him if I didn't choose to wander my mind about other stuff. My initial thoughts about him was how I feel like I treated him badly because I never shared the same feelings for him. I was a teen then so I just disregarded whenever he started flirting because that time I was also infatuated with someone else at school. I mean, we're still online friends so I tried to chat him one time last year just to ask how's he doing. To my surprise, he responded right away so idk maybe he just happened to be online that moment. Anyway after that, I just left him on seen after exchanging a few short chats asking about each's life. I don't expect him to chat again since I know it was clear to him that I never want to be in a relationship with him so he stopped communicating to me back then, not until I chatted him last year which never went regular anyway since again, I just left him on seen and he never chat again. I also don't want to go further into chatting with that guy because I'm still in a relationship. I also want to point out I'm not totally into this guy but I really feel like I could use some time to be out of my relationship with my bf because I feel like I don't see him anymore with me in the future. Tbh, I also tend to feel he's just staying because he still loves me and he sometimes say things asking if I still love him. Nevertheless, it still bothers me that I feel like I'm starting to feel that I don't want to be with my bf anymore and that he deserve more that I couldn't offer. I was the one who wants to live independently if I want to settle but he keeps saying he wants to live to his parents house. I also asked him if he doesn't want to have any property of his own, he said there's no sense in doing so. Though I understand it could be hard in this economy but I just don't like the idea of living with in-laws since, again, I find it awkward to live with other people in the same roof because of my dysfunctional family. I often think about just breaking up with him but I don't want to hurt him and I'm also thinking I already met his family so idk if it would turn out bad if they found out we broke up because I don't want their son anymore.

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u/Due_Elephant9761 — 8 days ago

Residual interest after paying Amex CC in full

For context, I've been paying minimum for a year na and just paid in full on the 8th. I understand residual interest may occur pero I noticed nag-show agad sya sa online bank ko next business day from the day I paid in full (I paid last Friday and posted same day then this Monday sya nag-show). It'll be the second business day since it showed sa online bank ko and so far hindi pa nagbabago yung amount. My due date is this coming 18th and I'm thinking of just paying it on or before but it's lower than the minimum on my SOA. For those more knowledgeable, should I pay the residual amount already in full or wait until the next SOA na lang since I already paid in full? Will it incur fees if I just paid this due date kasi mababa sya sa minimum?

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u/Due_Elephant9761 — 9 days ago

For context, I had a loan offer in an online platform which had lower interest and fixed rates. I think I'm too brave or desperate to do this but I already planned my expenses in the next few months just to make sure I won't be short sa budget. I did my calculations in handwritting just to make sure I won't miss any expenses na importanteng bayaran. Lesson learned talaga ang paggamit ng CC and paying finance charges. Ang hirap maging breadwinner kuno kasi sayo asa lahat. Baka mabigla na lang mother ko next time na onti na lang or wala na akong ipadala sa kapatid ko na PWD living in the province. Inggit ako malamang may ipon syang 12k from ayudas na natatanggap nya samantalang ako wala pang 1k halos lagi natitira monthly kasi sakto lang lahat sa bills and other expenses. Fault ko naman siguro na sinanay ko na laging ako gagastos monthly given na ako lahat nagbabayad ng bills ko since I live alone. I also tend to impulse buy items whenever I feel stressed but I somewhat managed it na kasi yung mga binibili ko eh necessities na unlike before na hindi ko naman magagamit.

Maybe you would think na I'm bad na mainggit kasi PWD nga kapatid ko pero ako may kakayahang magtrabaho, pero kahit nag-set na ako ng boundaries at hindi malaki inaabot sa kanila eh nakakalungkot pa rin kasi knowing their situation, wala akong maaasahan sa kanila if ever wala akong work at ayaw ko rin bumalik sa poder nila dahil nag-aaway lang kami ng kuya ko which is unemployed since pandemic btw and he always molested me in my sleep din way way before kaya no-no na talaga makasama sila. There's also a part of me na if mabait yung kapatid kong bunso na PWD eh sana nag-offer sya ipahiram yung money nya so I can pay rin sya in full or use for his expenses na ako yung nag-shoulder kahit papaano.

Kapag sinasama ko yung mama ko mag-grocery, nalulungkot ako madalas pag-uwi kasi nagi-guilty ako dahil binubuhat nya yun pag-uwi lagi sa province without help ng kuya ko kasi nagtitipid rin sa pamasahe at mas mura daw groceries dito sa city. Tapos senior na mama ko at single parent pa kasi yung father ko sumakabilang bahay na at wala man lang suporta sa PWD kong kapatid kahit legally married sila. Anyway bakit ba ako magi-guilty pa rin eh dapat yung mama ko yung lumaban para sa amin at sa karapatan nya bilang asawa, hindi ako. Pinabayaan na lang tapos puro dahilan na kesyo di na daw mahagilap pero may contact yung kuya ko dati sa papa ko nung nag-aabroad sya. You deserve what you tolerate ika nga kaso syempre saken din yung burden nilang mag-asawa just because I chose to earn my own money. In fact, not only did I strive hard to earn money for myself just to get out of the years of abuse from my kuya, but also so that I won't be a burden sa mama ko financially kaso it turned out na ako pa rin pala ang tatakbuhan nya to give financial support to them. Di lang maganda na yung dalawa kong kapatid na lalaki e hindi man lang kayang magtrabaho to feed themselves. Sumpa ata maging middle child na babae pati. I wish naging solong anak na lang ako kesa may mga kapatid na di marunong maghanap-buhay para pakainin sarili nila. 🥹

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u/Due_Elephant9761 — 14 days ago

First time ko nagka-window AC kaya I'm looking for reliable AC-cleaning service particulary around Novaliches QC. I've tried searching for any nearby online but can't choose kasi first time ko rin magpa-cleaning if ever kaya I want some reco na subok nyo na. Need help reco, please. Thanks in advance!

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u/Due_Elephant9761 — 17 days ago

As someone na solo-living female, first time ko nagka-window AC kaya I'm looking for reliable AC-cleaning service particulary around Novaliches QC. I've tried searching for any nearby online but can't choose kasi first time ko rin magpa-cleaning if ever kaya I want some reco na subok nyo na. Need help reco, please. Thanks in advance!

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u/Due_Elephant9761 — 17 days ago

First time ko mag-attempt ng personal loan sa CIMB and not sure if eto talaga babayaran ko monthly. Unfortunately, I plan to use tapal system kasi 3% interest monthly ng Amex CC ko at want ko na sana mapay-off using another loan na mas mababa interest.

So based dito P2836.79 for 12mos ang babayaran ko for 30k loan. May 450 pang bawas yan which makes it P29550. May early settlement fee daw pero if I payoff early parang okay na rin kung sagad ko 12mos kung total na P4491.48 lang ang total interest.

2836.79 x 12 = 34041.48

34041.48 - 29550 = 4491.48

u/Due_Elephant9761 — 23 days ago