Hi halamanation! I've been living alone for like 4 months and I've been wanting to have plants to take care of sa aking studio unit, what are the best plants I should look for if I want something that I can easily maintain?
Hi all, recent soloist here, anong platforms gamit nyo for your monthly groceries? Tipid ba talaga sa sukigrocer app or mas okay sa foodpanda/grab or shopee groceries? I wanted to do my groceries online since I don't have a lot of spare time and too tired to do so thru palengke mismo. Do you really save from buying groceries online or mas tipid pa rin talaga dumiretso sa supermarket/palengke?
hi all, few months palang sa pagrerent and first time ko palang bibili ng bed frame/matress. i wanted to save as much as possible and this is the best i came up with after searching, is this combo any good? or should I go with known brands like uratex/mandaue?
okay ba ganitong bed frame? gusto ko sana ng may drawers below pero idk whats the cons yet, okay ba sya? or is storing in boxes with the below space much better?
I finally sat down and acknowledged how much debt I have. For the longest time I treated my lifestyle/spending habits as something normal and that "deserve ko naman". I wanted to feel I have an average life and that I can afford things, that I am not poor and I don't need to struggle. But eventually, living a life out of what you can only afford to do so will leave you financially ruined. The debts I have was all because of material things I always wanted to have when I was a kid and the things I never experienced. Growing up poor made a lasting impact on me in a negative way - to want things so badly instead of working hard to get them. I have never learned about delayed gratification and would never know how to apply them to anything in my life until now that I am 28. Ever since I started working, I always wanted to have things that would make my life easier - new phone, computer, household items, buying foods online, anything just to feel I am capable of achieving a status - a societal status that I have normalized for the past years and always failed to acknowledge that I am not something yet. I should be thinking about achieving goals like others do - as simple as saving money to buy a new laptop but I am ashamed to acknowledge that "saving money" has never been in my vocabulary, it's a thought that would never cross my mind, even makes me ick thinking about not spending my money on something the moment I have it. I think I have conditioned my mind that I can afford anything, purchasing anything under installments, telling myself that I wouldn't even realize I already paid them off after months or even a year. Installments after installments piled up, loan after loan topped one after another. For someone like me that has been earning about 25k average a month for the past years, I know I should already be haunted with even having 100k of debt in my name, but I still didn't care the fact. I just thought I have these platforms to loan money from so I'll be okay. If I need something there's Spay to help me get that item I heartfully desire, Billease is there If I'm short on money. I can pay them all anyway, voices in my head always tells me.
I just made a spreadsheet to track down my overall debts before writing this, I just added below the total for each month that I need to settle until I become debt free. It's now totaling 334k across BillEase / Uno Loan / Gloan / Sloan / Spay / SAVii / HomeCredit / SSS and others. Not to mention my monthly bills of about 18k for food/rent/electricity etc. My monthly income is now averaging 50k but paying all my debts off will still be a struggle - a struggle I decided to finally face and change my habits for the better. I'm starting it with first acknowledging how fucked I am right now, that I did this to myself and I should face the consequences.
Sorry for the large block of texts. For all those that finally became debt-free, can you please share how'd you do it? Thank you in advance and let's all commit to being debt-free in the next few months!
| ₱ 58,459.86 | Aug 2026 |
|---|---|
| ₱ 47,801.77 | Sept 2026 |
| ₱ 39,330.35 | Oct 2026 |
| ₱ 31,094.88 | Nov 2026 |
| ₱ 31,334.84 | Dec 2026 |
| ₱ 25,361.25 | Jan 2027 |
| ₱ 22,493.46 | Feb 2027 |
| ₱ 20,160.67 | Mar 2027 |
| ₱ 20,160.67 | April 2027 |
| ₱ 19,755.67 | May 2027 |
| ₱ 9,500.67 | June 2027 |
| ₱ 9,500.67 | July 2027 |
| ₱ 7,516.00 | Aug 2027 |
| ₱ 7,516.00 | Sept 2027 |
| ₱ 7,516.00 | Oct 2027 |
| ₱ 334,954.76 | TOTAL |
PS. I do not have any gambling addiction, these are all due to bad spending habits + lack of financial literacy.
Such a surreal feeling seeing one of my favorite local director wear our creation. I feel motivated to make more dumb shit with my friends. MABUHAY ANG PELIKULANG PILIPINO BABY!!!
gusto ko mabadtrip dahil sa multiple parcels na nastuck na ng 1-2 weeks sa hub ng flash tapos puro fake delivery attempta pero natatawa nalang ako i mean look at those names you can't convince me these are real people
Hi all, first time ko magsolo living and first time ko rin bibili ng AC Im trying to opt into buying 2nd hand units since limited lang din budget, what's the best you can recommend for a brand for a 10k budget, right now ito inaeye ko sa marketplace, Kolin 1.5hp full inverter for 12k.