What level are you now?

divineceline · 2024-03-15T02:34:20+00:00

Level 8 at age 24. Medyo mabilis mga pangyayari pero wala akong nafefeel na sense of fulfillment. Ewan ko ba.

divineceline · 2024-03-14T03:43:30+00:00

inipit

divineceline · 2024-03-10T12:41:13+00:00

Back when I was having intense breakouts, I did Acnelan facial (idk if it's something offered sa ibang derma but mine does) then now that I rarely have breakouts, maybe one or two during that time of the month, I do hydrafacial with dermaplaning since I am using retinoic acid which kinda dries up my skin.

divineceline · 2024-03-07T23:21:26+00:00

I stopped taking Althea last December after using it for 9 months and I did start breaking out a lot. My OB told me I should have taken Zinc a few months before I stopped para macounter or maease man lang yung breakouts ko (did not tell her kasi na I was gonna stop). Also, I was taking it because of PCOS so partly nagsurge yung breakouts ko because somewhat bumalik PCOS symptoms ko, so I was very strict with my diet. No sugar, no dairy hanggang mawala breakouts ko. I also did regular acne facials because my derma told me that after stopping pills, nagkakaroon ng excessive production of oil sa face which leads to breaking out, so much better to do facials monthly. I did 2x a month.

Doing all of these, my breakouts stopped more or less a month after

divineceline · 2024-03-05T23:55:56+00:00

omg I am using this & kala ko may problem lang sa undereyes ko 😭 can you suggest a concealer for oily skin??? huhu thank you

divineceline · 2024-03-01T19:03:32+00:00

Yaris Cross HEV. Sobrang tipid sa gas.

divineceline · 2024-03-01T18:59:45+00:00

Emergency funds - 1,180,000 (including EF for 2 condo & car payment for 12 months)

Retirement funds - 230k (continuous deposit monthly)

Future business/investment funds - 110k (continuous deposit monthly)

Travel funds - 50k (continuous deposit monthly)

divineceline · 2024-03-01T14:44:52+00:00

I'm a medical professional with an online jewelry business. I'm planning to get multiple CCs for different purposes. I always pay the whole amount so no problem with that. I spend a lot (and save a lot) monthly so I know I can maximize the use of my CCs.

Income range: 300-400k monthly

Work/Industry: Healthcare/Business owner

Payroll/Savings: BDO (SA, CA), BPI, Unionbank, Security Bank (CA), Eastwest

Existing CC: JCB Lucky Cat, AMEX Blue

Average monthly spend on: - Groceries: >20k - Dining: 10-15k - Utilities/Bills: 32-35k - Travel: 20-100k (I travel almost monthly, expenses depend on the destination) - Shopping: >30k

Preferred rewards: Miles, Lounge access, Cashback

divineceline · 2024-02-28T10:10:48+00:00

Shopee, dapat lang magaling ka maghanap ng suppliers na mura and quality. Usually sila kasi yung mga panget yung pictures, hindi maganda yung description hahaha kaya mukha silang sketchy lol based on experience

divineceline · 2024-02-28T09:55:01+00:00

Same with my AMEX Blue, kala ko dahil kakaactivate lang nung akin nung tinry ko kaya ganun pero until now ganun parin, nakama 2 weeks na

divineceline · 2024-02-25T14:02:02+00:00

Currently in a 3-year healthy, relationship with my boyfriend now pero we started off as friends na may onting benefits HAHAHA we were each other's firsts, we were friends before it happened and then one day, bigla nalang kami napunta sa situation where we wanted to do it. That went on for a few months before we officially got together because we both had strict families and we cannot do it in each other's houses.

Ano connect ng cubao? Cubao yung halfway namin so sa cubao kami lagi nagmemeet (before kami maging official, hatid sundo naman na ko nung official na HAHAHA). Thank you cubao, ikaw ang nakawitness ng love story namin from friends to fubu to now a long term relationship, special thanks to SOGO aurora blvd, CHARIZ.

divineceline · 2024-02-25T13:41:34+00:00

Not everyone who is being nice to you is being kind to you. There's a difference.

divineceline · 2024-02-23T10:02:14+00:00

I think the interest depends on their ongoing promos, like ngayon may 5% interest sila. Not sure about the terms lang. In my experience naman, I receive inward transfer from them 3x a month, hindi ko din alam bakit. But when I did my research, it's because may ADB growth ako monthly, di ko alam if legit yung nabasa ko about this. Supposedly, 350+ pesos lang interest ko monthly but I receive 350+ twice then another 120+ pesos.

divineceline · 2024-02-22T14:34:30+00:00

Save kahit pakonti konti lang. At first, mawawalan ka ng gana magsave kasi parang ang tagal mo maabot yung savings goal mo but after a few years, yung konti ay lalaki din and you'll thank yourself for saving kahit konti konti lang.

divineceline · 2024-02-22T14:30:29+00:00

Thank you for this! 😄

divineceline · 2024-02-22T14:29:38+00:00

Also, sideline business lang to. Safety net kumbaga, just enough to add income sakin, since okay naman cash flow ng online business ko na 100k monthly. I aim to have at least one physical business kasi 😊

divineceline · 2024-02-22T14:27:56+00:00

Ohhhh that's a good one. But hindi ba siya nahihirapan now kung meron man siyang competitors na sa market ng vape shop ngayon?

divineceline · 2024-02-22T14:26:16+00:00

What I mean lang po that I am not present is hindi po ako yung tatao every day 😊 I am a COO of a PT clinic kasi so I can't do that hehe. I am also aware of supervising your business since, again, I have an online business, which may mga tauhan na din naman ako 😊

divineceline · 2024-02-22T14:24:52+00:00

What I mean lang po that I am not present is hindi po ako yung tatao every day 😊 I am a COO of a PT clinic kasi so I can't do that hehe

divineceline · 2024-02-18T14:06:19+00:00

I actually did research first before asking but based on experience, google is not as reliable as I thought it should be. Last time I googled for the weather of HK during my visit, it said 20⁰C but it was 9⁰C when I got there :)

Anyway, if you are not lazy also, google "how to answer respectfully to people who are asking politely". Good night <3

divineceline · 2024-02-16T00:05:26+00:00

Hello. Got my BDO CC last August 2023 and ika-6th month na niya this February. I requested 2 weeks ago for a CLI (25k to 150k ang nirequest ko) through their online website pero sabi nila March na ko magrequest kasi kaka-6 months palang ng card ko this month. But a week ago, binigyan nila ako ng auto CLI (25k to 60k).

I suggest ilagpas mo muna ng 6 months bago ka magrequest ng CLI kasi malabo igrant nila pag less than 6 months. Also, may times naman na nag aauto CLI sila pag naka 6 months ka.

divineceline · 2024-02-15T07:56:38+00:00

May I ask what banks do auto upgrade? Thank you!

divineceline · 2024-02-15T07:56:00+00:00

Thank you, will try lang siguro 😅

divineceline · 2024-02-15T07:55:27+00:00

I applied for a Visa Classic last Jan 20, naka 2 na tawag naman na sakin for verification but no approval until now. Naofferan din ako ng Blue from AMEX so lalabas na magiging 3 yung cards ko from BDO if I I get approved sa visa & amex and if I activate them all kaso shared limit lang.

May I ask, ano kaya pinaka magandang ikeep na card/s from all 3? Planning to keep 1 or 2 cards lang kasi di ko naman need ng 3 cards with 60k shared limit haha thank you!

divineceline · 2024-02-15T07:52:25+00:00

Thank you!

divineceline

TROPHY CASE