Hi, I was diagnosed as diabetic recently, matagal na raw kaya dami na lumalabas. Then nagkaroon na rin ako ng joints problems caused by weight.
Narinig/nabasa ko lang somewhere and since need ko iregulate ang sugar ko and mag weight loss, naging interested po ako.
Need po ba ng doctor's prescription para mag tirze? Covered po ba ng Hmo ang tirze? Anu ano po do's and don'ts?
Hi everyone,
A few years ago, I was drowning in debt. I reached a point where I had to deprive myself of simple things, even enjoying my salary, because a bad relationship led me to make poor financial decisions.
Fast forward to today, I am finally 2 to 3 months away from becoming debt-free. It has been a long and difficult journey, and I am proud that I managed to get this far.
Now I am thinking about the next chapter: investing and growing my hard-earned money.
I see many of my classmates and friends investing in stocks, crypto, and other high-growth opportunities. While the hype is tempting, I have learned the hard way that those investments may not be the right fit for me. During the pandemic, I became a victim of FOMO and lost nearly ₱100,000 in NFT games. I also had around ₱30,000 in Binance that I can no longer access, so that became another painful loss.
Because of those experiences, my priority now is capital preservation and steady growth rather than chasing quick profits.
At the moment, the only investments I am seriously considering are Pag-IBIG MP2 and memorial lots, since they seem more manageable and aligned with my risk tolerance.
For those who have rebuilt their finances after debt, what long-term investments would you recommend that are relatively safe, sustainable, and less likely to put someone back into a financial nightmare?
I am not looking for “get rich quick” opportunities anymore. I am looking for a strategy that can help me build wealth slowly, consistently, and with peace of mind.
Thank you in advance for any advice.
Context: New to AF. Di maiiwasan na maraming kasabay sa AF especially sa employees like me na nag gygym after office hours.
But mas madalas sa hindi, may mga members na naghohog ng equipment/machine. I mean, hindi ba pwede salitan? Bilang lang sa daliri yung pumayag na alternate, most of them prefers na patapusin muna sila.
May mga nakasabay naman ako last time, 3 kami salitan sa machines and nag sspray and winawipe naman namin after our sets. So while nagpapahinga yung isa, nagwowork out nman yung iba. But like i said, mas marami yung after set, cellphone muna like sometimes it takes 10minutes or more between sets nila.
So is this normal in AF?
It's been my dream since childhood to own and drive my own car. Over the past few years, I've been fortunate enough to fully pay off and pre-terminate our home loan, which saved us a significant amount in future interest. I was also able to buy some lots and build up savings of around ₱1-2 million, although much of my money has been invested in real estate rather than kept in the bank.
For the last three years, I've been renting an MPV or SUV whenever we go on long trips. It works, but honestly, it gets tiring having to pick up and return the vehicle every time, especially when my preferred rental company has no available units.
Now I'm considering buying a second-hand SUV, mainly for weekend and holiday road trips. I'm leaning toward a 2018 Isuzu MU-X 3.0 AT, which seems to sell for around ₱750,000 to ₱900,000 depending on mileage and condition.
The problem is that my practical side (maybe my Ilocano blood haha) keeps telling me not to buy it, while my childhood dream keeps pushing me in the opposite direction. Financially, I doubt I'll ever get a reasonable return on the purchase. At my expected usage, it could take 10 years or more before owning becomes cheaper than renting. Realistically, it will spend most of its life parked in the garage.
For context:
We have a garage.
I prefer diesel SUVs.
I've driven modern hybrids and EVs, and they're excellent, but I can't justify spending millions on a brand-new vehicle for my use case.
I'm an introvert and work remotely, so the vehicle would mostly be used for long drives and vacations.
Please talk me out of buying it. I want to hear the strongest arguments against purchasing the MU-X or any other vehicles.
Thanks in advance.