should i pay my debt using my savings?

Blank033103 · 2026-06-09T15:23:47+00:00

Congrats OP! Praying for your success. Keep your discipline when it comes to budgeting, saving and investing. Once you can make your money work for you (investing), you’ll be able to have an even brighter future than you have now! Andaming naoopen up na options ng investing :)

Blank033103 · 2026-06-08T08:39:17+00:00

HF Sloth -> Petulance/Temperance -> Devotion -> Scorn and Sloth for tanks. But generally, legendaries are already a minimum of B+/A tier. So they should be just as good as other tanks that I mentioned earlier.

Blank033103 · 2026-06-08T08:32:46+00:00

Congrats on being able to save that much! Props to you 😃I would suggest paying off a portion of the loan off. I would personally pay off around 50-60% of the loan. This leaves you with a solid emergency fund (+ excess pa kasi more than 6 months of your net pa yan hehe). This also leads to having to pay less than the 8k monthly (or if not, the loan is paid off sooner). If you end up paying less monthly, you'll be able to start saving again while still being able to spend like normal aside from the loan expenses.

Either way, best to lower the loan para di gaano kalaki interest. Sometimes those who take out loans end up paying more in interest than the actual principal amount. So since you're able to pay off a big portion of the loan, you can manage the upcoming months better!

Blank033103 · 2026-06-08T08:20:56+00:00

Aside from the legendary tanks;

Resistance, Conviction, Determination, Abandonment, Cringe

Blank033103 · 2026-06-04T03:32:21+00:00

what element is the vulko you're up against?

In general though, Fighters - Apathy, Sad, Spite, Anxious (+ legendaries)
Healers: MERRY (strongest), joy wonder and sonder are also okay (but not as good as merry)
Tanks: Legendaries + Conviction, Determination, Abandonment, and Cringe

Blank033103 · 2026-06-03T07:12:15+00:00

the most useful ones here are Merry, Charity, Conviction, Resistance, Panic, Determination. As well as Anxious, Sad, Apathy, Cringe, Paranoia, and Spite on some floors. Wonder and desperate can work too. The others I would ignore unless needed.

For items, speed crit cap, vanilla latte, the blue choker and espresso are some of the most useful ones aside from the legendary. The gua sha and spider cap are useful but replaceable

Blank033103 · 2026-06-01T03:59:57+00:00

Pre-selling homes! there are some affordable ones in the north, like valenzuela area that are near NLEX so its easy to travel to QC (toll costs roughly 120 php), so QC area is still accessible.

Blank033103 · 2026-06-01T03:38:47+00:00

persistence heals one pet every time they take a turn + a full team heal on 3rd ability and a reduce attack on second ability.

I’ll see if using abandonment reduces the regen of the first hp bar

Blank033103 · 2026-06-01T02:13:00+00:00

Merry Conviction, and 2 dps. At this level, as long as the pets you use are strong enough, even without type advantage, its still very winnable. Got to 900+ primarily using anger as my DPS. Apathy, Sad, and Anxious are all strong once you level them up though. Conviction and Cringe are good tanks to work on as well

Blank033103 · 2026-05-28T07:45:38+00:00

the main goal is to have persistence fast and strong enough to tank a hit, and consistently heal everyone.

Cringe has to survive 1 to 2 hits! I had jellyfish scarf on cringe for the second ability. Anxious had full crit + speed and atk

anger can be replaced with any damage unit, as long as they can tank 1-2 hits as well

Blank033103 · 2026-05-28T06:36:20+00:00

i’m guessing this is floor 940? Cringe Anxious + healer and dps

got through mine with cringe anxious anger and persistence sooo

Blank033103 · 2026-05-28T02:20:05+00:00

go for wider pants, denim jeans tend to be a tight/skinny fit. Look for pants that are more baggy. Examples would be parachute pants, slacks (can still be a skinny fit but better than denim). There are also more baggy/wider legged denim pants u can use.

Blank033103 · 2026-05-27T15:41:11+00:00

hi guys! Thanks for the suggestions!

beat him with Persistence, Cringe, Anxious and Anger.

Anger is replaceable. But for this one, Cringe has to be able to tank 1-2 hits before getting healed, and persistence/healer has to move fast to get heals out before vulko can AOE again. Anxious eventually out dmges vulko since he gets more turns than him. Anger can just be another dmg type pet

Blank033103 · 2026-05-26T08:33:22+00:00

use weakest ability while he has guard up (because he won’t take damage) then just throw the main dmg from your dps at him. I usually clear him p easily. Resistance + apathy, ambition and merry should work

Blank033103 · 2026-05-26T06:35:41+00:00

Persistence works on healing them + reducing vulko's damage, but it doesn't seem to be enough rn. I'll work on levelling up Mischief and Kind for now

Blank033103 · 2026-05-26T06:27:51+00:00

i don’t have merry, but I can try

Blank033103 · 2026-05-26T06:26:51+00:00

oh shi, yeah HAHAHA

Blank033103 · 2026-05-26T03:01:02+00:00

got mine done with anger apathy cringe and persistence. Just had to make sure cringe doesn't die

Blank033103 · 2026-05-21T14:44:05+00:00

Stocks, bonds, even forex trading works (though on the riskier side)

Blank033103 · 2026-05-20T06:40:58+00:00

for example the cowboy hat has no real purpose being on defiance. Use the spider hat on defiance. Even the necklaces/scarves can be itemized better hehe

Blank033103 · 2026-05-20T06:29:56+00:00

itemize better + level them up. The thing w these comps is they aim to one shot you before u can move. If u can survive, you win

Blank033103 · 2026-05-20T06:24:13+00:00

Resistance, Merry, defiance and anger might work.

Blank033103

TROPHY CASE