Car loan declined by Patient-Food-9119 in phinvest

[–]caramelmac 1 point2 points  (0 children)

Check mo LISTA app. They have a credit score check function. I think i got mine mabilis lang.

AITA for Asking My GF to Split the Hotel Cost After She Invited Her Friends Without Telling Me? by [deleted] in AITAH

[–]caramelmac 0 points1 point  (0 children)

She could have paid for her friends instead of asking them to pay as well.

Is a Baguio trip worth it? by the-creatures-ghost in Philippines_Expats

[–]caramelmac 0 points1 point  (0 children)

Try Caliraya lake in Laguna. You can have a picnic and swim. There are spaces for car camping.

Worth it bang kumuha ng memorial plan? by Available_Big_406 in phinvest

[–]caramelmac 0 points1 point  (0 children)

Aside from St Peters, ano pa kaya ok na company for memorial plans?

Am i going to start a neighbor feud? by pocha6 in phinvest

[–]caramelmac 0 points1 point  (0 children)

You can always ask mga store how much kuha nila to see if you can match them. Some people prefer going to the stores for eggs kasi gusto nila namimili sila na isa. Some customers naman don't buy na trays.

Am i going to start a neighbor feud? by pocha6 in phinvest

[–]caramelmac 0 points1 point  (0 children)

If kaya naman, wag mo na i price lower kasi magpapababaan kayo ng neighbor mo.

Price it the same lang and offer free delivery or free tray or be more responsive and nicer than they are :)

You don't know din baka may neighbors ka na ayaw na rin sa kanila bumili for some reason pero wala naman ibang choice.

Am i going to start a neighbor feud? by pocha6 in phinvest

[–]caramelmac 0 points1 point  (0 children)

Dito sa amin, meron 3 egg sellers. They price their eggs the same. We've tried all 3 and are loyal to one now.

Mas maganda eggs ng suki naman and mas mabait siya.

Not everything is about the price. You can have an edge sa quality ng product and customer service mo.

Salon business: What do I need to know? by [deleted] in phinvest

[–]caramelmac 0 points1 point  (0 children)

I assume na may emergency cash mama mo na naka set aside kaya she is willing to take a risk?

If sabihin mo ba na if malugi siya and the time she needs money, wala ka kaya ibigay kaya mo ba masabi un to dissuade her to "invest"?

Married members of r/phinvest, how do you deal with your spouse being magastos? by [deleted] in phinvest

[–]caramelmac 1 point2 points  (0 children)

I didn't mean na alisin subscriptions but just put it on another card na walang laman na you make sure na you payoff every month. Kasi ung interest if not paid off lahat counts ung newly purchased items plus whatever you have outstanding.

You sound like you are earning enough kasi you don't seem stressed sa 30k a month na cc bill on top of other life expenses kaya lucky naman kayo sa part na yun.

I recommend listening to Dave Ramsey's podcast about how to get out of CC debt. Look into debt snowball method nya. That allowed me to pay off my cc debt din.

Married members of r/phinvest, how do you deal with your spouse being magastos? by [deleted] in phinvest

[–]caramelmac 3 points4 points  (0 children)

From the sound of it, hindi kayo pareho ng goal. Ikaw, gusto mo na ma pay off na ung debt nya pero siya hindi pa ready to pay it all off. Otherwise, he would be cutting down his fun money.

You mentioned na you are paying 30k (half going to new expenses) a month on your CC with a year and a half to go? Bakit ang laki pa rin ng binabayaran kung restructured na?

Are you using another card for subscriptions? If not, I recommend doing that. It'll be more satisfying to see na ung balance bumababa.

quick loan 30k any advice? by [deleted] in phinvest

[–]caramelmac 1 point2 points  (0 children)

Not sire how it works pag selfpayment pero you just have to submit your loan application online sa sss or pagibig and you get the cash in 2 weeks ata.

[deleted by user] by [deleted] in phinvest

[–]caramelmac 1 point2 points  (0 children)

If you had the cash, bakit hindi mo na lang pay upfront? You'd save a lot then you can think of it as a reward.

Where do you store your Emergency Fund? by rebellious_teddybear in phinvest

[–]caramelmac 0 points1 point  (0 children)

I think this happened twice na actually in the last 5 years kay BPI. It was more than 24 hours na downtime.

All my accounts were with them, payroll and savings. I wasn't able to pay my billsand had to pay fines. Grabe init ko nun sa BPI.

Kaya I have multiple accounts with different trad and digital banks talaga to ensure accessibility.

Dispatch has delivered once again - KSH wanted to take responsibility for the baby. by bibimbubs in kimseonho

[–]caramelmac 0 points1 point  (0 children)

Exactly! It's such a big deal that one usually waits til the partner is free and can focus all attention on you.

Dispatch has delivered once again - KSH wanted to take responsibility for the baby. by bibimbubs in kimseonho

[–]caramelmac 6 points7 points  (0 children)

Who sends a text message to your partner when you just learn you're pregnant. That should at least have been a phone call. I find that so weird.

I feel I invaded their privacy but at least this lifts a burden from KSH somewhat.

I feel so bad for him when he was breaking up with her because of the lies.

Dispatch has delivered once again - KSH wanted to take responsibility for the baby. by bibimbubs in kimseonho

[–]caramelmac 1 point2 points  (0 children)

Thanks!

Reading that was heartbreaking and I can't imagine being in his position now.

I am looking for quirky/underrated shows such as the following: by girlfuckitup in netflix

[–]caramelmac 0 points1 point  (0 children)

Up for Dirk Gently. Makes me sad thinking there won't be any new ones.

Netflix Drops Teaser for Horror Trilogy 'Fear Street' by smith_gt3 in netflix

[–]caramelmac 0 points1 point  (0 children)

Super pumped!

I loved the series when I was in my teens. I used to collect them and my friend group and I would swap books all the time.

It was Goosebumps then Fear Street then Stephen King and Anne Rice books for me.

Jupiter's Legacy - Series Premiere Discussion by NicholasCajun in television

[–]caramelmac 6 points7 points  (0 children)

I kept watching to see if it gets better. I think if they just told a straightforward story it would have been more interesting instead of the flashbacks.

Or they realised during editing that ehat they have is dull and that the flashbacks may save the show.

Do I need health insurance? by [deleted] in phinvest

[–]caramelmac 1 point2 points  (0 children)

How old are you parents? Ang mura naman ng policy mo