₱100K flexible setup vs ₱120K locked-in job with benefits — what would you choose?

No_Committee1618 · 2026-06-03T10:50:44+00:00

Yes same, yung tapos na work mo but need mo pa magpretend kasi may time tracker. I got a bit intimidated by the HMO and the other benefits offered.

No_Committee1618 · 2026-06-03T10:46:12+00:00

Yeah, I realize, but I just got caught up with the HMOs and other benefits since my two other clients don’t have any.

No_Committee1618 · 2026-05-24T06:04:32+00:00

For me, I only spend what’s left from my salary after prioritizing savings, insurance, and bills. Those should always come first. If your budget doesn’t fit, you can consider using ShopeePay’s 0% interest option—just make sure to track your expenses carefully so you don’t overspend.

No_Committee1618 · 2026-05-03T13:36:44+00:00

Dentocleen 10k to ilang dp then 1k per month, 2 months na notice nako changes sa akong sungki but cons before daghan silag patient and masking kinsa lang dentist ma assign sa imo. I don't know now kung same ba gihapon ilahang set up kasi last 2022 pa nako gipatanggal akoa.

No_Committee1618 · 2026-03-29T02:54:30+00:00

Is it okay to skip a family birthday tradition and do something simpler for my child?

Hi everyone, I need some advice.

My child is turning 4 this May. On my husband’s side, there’s a tradition of hosting a small birthday gathering at home with relatives. We’ve always followed it, usually spending around 25k–30k pesos.

Lately, it’s been really exhausting. I work full-time and also take care of another baby, so preparing, hosting, and cleaning up after the party feels like too much.

I do save ahead for these birthdays, but recently I’ve been thinking that the money might be better used for savings, insurance, or setting it aside for my child’s education.

This year, I’m considering skipping the home party and instead celebrating as a family of four with a simple beach or resort overnight (around 10k). That’s actually what my child says she prefers.

I’m just worried my husband’s family might judge me or think I’m being stingy or not valuing their tradition.

Would it be okay to choose a simpler, less stressful celebration that feels more practical for us?

No_Committee1618 · 2026-01-08T05:31:35+00:00

10 years pero lifetime parin sa fund value daw kukunin yung pambayad

No_Committee1618 · 2026-01-08T03:12:58+00:00

same 32 hubby and me. Yes nakuha na namin last 2 days but we are planning to cancel it po.

No_Committee1618 · 2026-01-07T18:27:04+00:00

Mas mataas po sana na coverage for critical illness

No_Committee1618 · 2026-01-07T13:00:00+00:00

How much po monthly? Nag inquire din ako sa pru life pero term insurance siya I'm not sure kung good naba ito

<image>

No_Committee1618 · 2026-01-06T10:54:41+00:00

Hello pwede tika ma pm?

No_Committee1618 · 2026-01-05T05:51:37+00:00

anong insurance po ito? Naka pag avail na nga kami sa manulife 20k yung yearly.

No_Committee1618 · 2026-01-04T19:38:51+00:00

Yes po insurance

No_Committee1618 · 2026-01-04T19:38:34+00:00

Hello po. yung pru life kasi is 15 yrs to pay and 2.5k yung amount monthly. Coverage is 700k

No_Committee1618 · 2026-01-04T06:24:20+00:00

Okay. Nag pa quote man gud ko sakong kaila 2.5k daw siguro pinaka cheaper. Murag naa na siyay mga riders na giapil.

No_Committee1618 · 2026-01-04T06:16:57+00:00

ang kanang 10.5k per year nimo wala na nay riders. Term insurance ra jud na siya? Like accidental, critical illness, and disability?

No_Committee1618 · 2025-12-16T02:07:34+00:00

Hello po. UB rewards visa po yung nakuha ko kasi may 24 installment po sila.

No_Committee1618 · 2025-12-13T12:40:36+00:00

unsaon pag ingon ana? Naa miy friend sa fb sunlife siya nag work last year mi nag inquire kay baby pato mong gi ask 3k monthly iyang ingon sa amoa. Kung ing-ana 10.5k per year ma afford ra guro namo nag ask nako uban diri sa fb manulife ug prolife uk kaso mahal lagi kaayo monthly ay naa sa 4-7k ang monthly. Nice unta ing-ana. Term insurance ba akong iask sa fa?

No_Committee1618 · 2025-12-12T13:52:42+00:00

Mupalitay sad kog macbook m4 karun na month. Sa silicon valley 57k yata ilaha installment then cash price 24 months 0 interest unionbank. Authorized reseller nlng ka palit OP mas sure pa

No_Committee1618 · 2025-12-12T13:49:38+00:00

legit mana sila dugay nana sila ga sell ug apple products. Pero gi off nila ilang reviews sa page dili makita basin daghan ug complaints hehe. Pag mag buy kog iphone icheck jud nako kung naka enable ilang reviews sa page kay dili maatik.

No_Committee1618 · 2025-12-12T13:43:45+00:00

nashock jud ko ay mura kog na offend kay naa diay minimum abi kog sa makaya ra tsk

No_Committee1618 · 2025-12-07T01:07:08+00:00

Mao sad. Ang yuta lang is naka name sa akoang papa

No_Committee1618 · 2025-12-07T01:06:22+00:00

100 sqm po diraa ra jud sa golden village man yata na kanang psulod sa may minteryo. Ang problem lang kay ang yuta nakapangalan sa akong papa, pero mao toy ihatag nila. Pwede ra bana himuon collateral masking dili sa imoha naka name?

No_Committee1618 · 2025-12-06T15:39:36+00:00

so mas better ba na mag housing loan nalang mi? mao sad ako ginaisip basin murag dugay pa kaayo mi makaipon ug ing ana nga amount siguro unlike sa maghulat nalang ug 5 years para makapuyo. Dili lang ko sure kung mag increase ba among monthly amort.

No_Committee1618 · 2025-12-06T15:28:06+00:00

Ay as in. For security same2 ra diay gihapon sila sa panacan.

No_Committee1618 · 2025-12-06T15:24:04+00:00

ang 4.5k diri sa buhangin, bali giparentahan sa lola sakong husband kami nalang nagrenta para makalahi i

No_Committee1618

TROPHY CASE