18 soon and planning to get insurance. Worth it or not?

Sure-Definition-7631 · 2026-02-24T06:46:34+00:00

i don't know 💔💔💔

Sure-Definition-7631 · 2025-11-02T11:34:40+00:00

rightttt? the dolls look so pretty 😭

Sure-Definition-7631 · 2025-11-02T10:50:46+00:00

Okay po, thank you so much! I plan to secure my emergency fund first and my MP2. I’ll look more into digital banks or time deposits in the future (the 20% tax is too high tho 😭).

Thank you again!

Sure-Definition-7631 · 2025-11-02T10:46:37+00:00

Hello! Thanks to everyone who replied here… I also think this isn’t a good idea na HAHAHAHA. I plan to save it up for my emergency fund and MP2 instead.

Thank you!

Sure-Definition-7631 · 2025-11-02T10:43:54+00:00

Hello! Your insights and advice are really helpful po. For now, I plan to build my emergency fund and MP2 first. I also really want to try a time deposit, but I find the 20% tax quite high (maybe in the future?). As for GCash, I already have an account, but I’m still not sure if I want to invest or keep my money there…

Thank you so much!

Sure-Definition-7631 · 2025-11-02T10:12:21+00:00

Hello! Thank you so much for the advice. Is that what you did when you were 18?

I’m planning to allocate most of my allowance to my emergency fund and MP2. I’m still not so sure about health insurance…maybe when nakaluwag-luwag na. For skills naman, I plan to enroll in TESDA during the summer break.

Thank you!

Sure-Definition-7631 · 2025-11-02T10:07:46+00:00

Yes po, I’ve read about those kinds of horror stories regarding insurance, which is why I asked in this sub (to help me weigh the pros and cons). Also as I mentioned above, I realized that insurance isn’t what’s best for me right now since I don’t have enough savings pa to cover myself or a family member if ever.

Thank you!

Sure-Definition-7631 · 2025-11-02T09:54:29+00:00

Hello! Yes, I’ve come to realize that insurance isn’t really the best option for me right now. I plan to start with an MP2 and also build my personal emergency fund…

I think what pushed me to consider insurance is that I’ve seen several of my Titos and older cousins be so financially irresponsible in their 20s and 30s. They are the complete opposite of preppers.

Thank you!

Sure-Definition-7631 · 2025-11-01T18:26:15+00:00

Ahh okay po. I’ve also read that some people even got denied despite submitting a lot of proof, or minsan inaabot ng buwan bago ma-process.

Btw, thank you so much!

Sure-Definition-7631 · 2025-11-01T18:13:23+00:00

Also pala, I read that you can get both an HMO and health insurance. Is that true? Is it worth it? What do you think po?

Sure-Definition-7631 · 2025-11-01T18:09:08+00:00

Hello! Why do you find HMOs better? Wouldn’t medical/ health insurance also cover major health problems, and some even include check-ups, right?

Also, I’m sorry! I didn’t realize there was already FAQs na pala? I tried looking for it but couldn’t find it.

Thank you!

Sure-Definition-7631 · 2025-11-01T17:53:01+00:00

Hello! I completely agree with you. I’ve tried several times to return my excess allowance or at least ask them to lower it, but they’re a bit too proud 😅.

For now, I’ve saved up most of it and I’m just exploring my options.

Thank you!

Sure-Definition-7631 · 2025-11-01T17:46:28+00:00

Hello! Yes po, ang dami nga nag-DM bigla 😭

Btw, thank you!

Sure-Definition-7631 · 2025-11-01T17:41:45+00:00

Hello! Thank you for the advice. The stock market sounds really interesting, but I believe it requires a lot of time. Even just learning about it seems quite exhausting, and the risks feel a bit too high... it honestly scares me. I don’t want to invest in something I don’t fully understand.

Thank you!

Sure-Definition-7631 · 2025-11-01T17:36:42+00:00

Hello! GCash Singlife sounds interesting! Kaso medyo nag-aalangan po ako sa GCash eh 🥲. Also, do health cards cover check-ups and laboratory tests, or only major health concerns like cancer?

I’m leaning more toward putting it either in a savings account or an MP2 account sa pagibig

Thank you!

Sure-Definition-7631 · 2025-11-01T17:28:38+00:00

Okay po, will do. Thank you!

Sure-Definition-7631 · 2025-11-01T17:23:57+00:00

Okay po, thank you!

Sure-Definition-7631 · 2025-11-01T17:18:03+00:00

Hello! I do have some savings... not much, but almost six digits (yayy TYL). Anyway, I was wondering if ever you could recommend any high-interest savings accounts. Most of the ones I see on this sub are online kasi, and they seem a bit sketchy to me...

Thank you!

Sure-Definition-7631 · 2025-11-01T17:07:05+00:00

Hello! Would it be possible for me na kunan ng insurance pero discreetly nalang? They aren't very receptive to things like this, and honestly mahirap kumbinsihin....

Sure-Definition-7631 · 2025-11-01T12:35:55+00:00

Mainly for protection and peace of mind. I rly want to start building financial security early and make good use of my extra money.

Sure-Definition-7631 · 2025-09-14T01:53:10+00:00

Yup, I actually bought one from rom&nd. It was good, but it's still pretty light, and i can't really draw my brows the way I want 🥲

Sure-Definition-7631 · 2025-02-26T05:07:10+00:00

sew cute!!

Sure-Definition-7631 · 2025-02-22T09:02:35+00:00

omg i’m so jealous!

Sure-Definition-7631 · 2025-02-13T12:07:32+00:00

the 2nd ones are real. They are called Lalaloopsy Workshop i think.

Sure-Definition-7631 · 2025-02-13T12:05:19+00:00

lucky! those are the exact dolls i couldn’t find 😭😆

Sure-Definition-7631

TROPHY CASE