u/Rich-Inspector7828

Last year, I took a 60k loan from Home Credit for business expansion and fully paid it last March.

Out of curiosity, chineck ko ulit ngayon and they’re now offering me up to 150k. Tinry ko icheck yung 100k and around ₱9,329/month siya for 12 months.
What surprised me is parang mas mababa yung interest compared before. Last year kasi around 60k lang loan ko tapos halos ₱1,800/month yata interest ko on the same 12-month term.

Siguro factor din na good payer and advance/on-time payments. 😅

Curious lang:
ganito rin ba experience niyo with Home Credit?
hanggang magkano inoffer sainyo over time?
bumababa rin ba rates habang tumatagal?

Hi! I’m a 21F incoming 3rd year college student, and lately I’ve been wondering if I’m actually doing okay financially for my age.

I started hustling around 16 years old. I’d rather not disclose exactly what business I’m in, but it became my first real source of income while studying. Since then, I’ve been trying to slowly build things on my own. I was able to buy my own phone, motorcycle, and other personal things without relying too much on my family financially.

My family still helps me with tuition, but aside from that, I’ve been handling most of my own expenses for years now — including my allowance, food, daily expenses, subscriptions, and personal needs through the income I make while studying.

One thing I realized early is that freedom becomes very limited when you don’t have money, which is also why I became interested in saving and investing at a young age.

There was actually a point where I almost didn’t continue college because business was already working for me. But eventually I realized that business isn’t guaranteed forever, and I wanted to build a more stable foundation for my future as well.

So now I’m trying to balance both:
-studying seriously
-learning business
-learning investing slowly
-trying not to get lost along the way

Right now, I’m still exploring things like:
-digital banks
-GInvest/ATRAM
-small crypto holdings
-savings
-gold
-other investments

Honestly, I still feel confused sometimes, especially with crypto and investing. I overthink a lot and get FOMO sometimes too. Part of me feels like my progress is slow because I’ve already been doing this for almost 5 years, but another part of me reminds myself that I’ve also been studying this whole time, so maybe I shouldn’t compare my timeline too much.

One of my personal goals right now is hopefully building a 1M net worth before I graduate college. Not really for status, but more for the sense of security, stability, and freedom that comes with it.

I guess I’m posting here because I genuinely want advice and perspective from people who are older or more experienced financially.

If you were in my position at 21:
What would you focus on more?
What would you improve if you were in my position?
What mistakes should I avoid early?
Am I trying to learn too many things at once?

I’d genuinely appreciate any insights because I know there’s still a lot I don’t know yet.