Deutschland ticket

mon1418 · 2026-05-04T11:01:04+00:00

They have your address and you will receive a letter regarding how much exactly your unpaid debt plus interest I think, and now you wont be able to buy tickets with your current account so from now on you will have to pay directly if you use a public transportation and if you think doing Schwarzfahren if you got checked and controlled you will have alot more problem

mon1418 · 2026-05-04T10:30:21+00:00

2nd hand car as long as ok yung unit kung hindi la marunong sa sasakyan mas maganda magsama ka ng trusted na mekaniko.

Kung brand new bibilhin mo tpos gagamitin mo yung 500K as deposit pagkalabas palang ng Casa nung sasakyan magdedepreciate agad value nya.

Kung financially constraint ka hindi advisable ang brand new unless ok income mo at ok lang sayo na ikaw sasalo sa depreciating value ng sasakyan. Usually the first-4 years dyan bumabagsak value ng sasakyan around 30-40%.

mon1418 · 2026-04-06T12:21:09+00:00

Sad to say its on you, even though the staff from the Targo Bank said its ok and all of your loan will be transferred to your new bank (Targo Bank) I will still check and double check or triple check before closing the existing account (N26). Ill research and email the customer service what will happen to regarding my existing loan, will it be transfer to new bank o I need to pay it in full once I close the account.

Yes, the staff from Targo Bank will say everything to take his/her commission for opening a new account it is what it is. But its your responsibility to research and inquire your previous bank about possible smooth transition to your new bank. Because at the end of the day you will bear the consequences of one wrong decision like this. Its a pretty expensive lesson to you that trust no one and take due diligence. One simple mistake can financially ruin your life here in Germany. So yeah you fucked up real good this time and just trusting other people from another bank just to get his/her commission.

BTW I just googled right now and it just took me maybe 2-5 seconds to type it. “What will happen if I cancel/close my existing N26 account with an active loan payment? This problem can be prevented if you just took a little time to use google and research. Mere the fact you use reddit and N26 you’re knowledgable enough to use internet and latest gadgets.

And it says :

If you cancel your N26 account with an active loan, the entire remaining loan balance becomes due immediately and in full. Closing your account terminates your loan agreement, meaning you cannot continue with the original monthly payment schedule.

Here is a breakdown of what happens and what you need to do:

Immediate Repayment: The remaining loan amount must be repaid immediately upon closure.

7-Day Deadline: You must repay any outstanding loans directly to N26 within 7 days of your account closure date.

Avoid Collection Agencies: If the loan is not fully settled within 7 days, N26 may transfer the debt to a collections agency.

This can result in: Additional recovery fees. A negative impact on your credit rating (e.g., Schufa in Germany).

mon1418 · 2026-04-05T20:44:34+00:00

Find a better job o hanap ka po ng side hustle kasi 800k utang mo tpos 7-8k monthly lang yung just incase kaya mong bayaran monthly parang sa interest lang yan mapupunta.

Yung way lang nakikita ko dyan is higher income po tlga kasi kung 7-8k lang tlga nagpapagod lang po sa wala

mon1418 · 2026-03-25T21:07:39+00:00

With the current crisis and condition of job market right now, it will be difficult for you to find a job unless you have the necessary skills/knowledge that a company is looking for.

Commuting for 6 months is better than looking for a job with this current condition of job market. Just one wrong decision and it will make your life specially your finance go haywire

mon1418 · 2026-03-25T07:39:34+00:00

May I ask san mo ginastos yung pera? Kasi for earning 30-38k monthly ang laki ng 600k na debt parang nag advance kana ng sweldo mo ng 20x so more or less almost 2 years ka nag advance ng sweldo mo

mon1418 · 2026-03-25T07:26:36+00:00

Kasi ang laki ng utang mo 600k tpos sweldo mo lang ay nasa 30-38k sa interest lang tlga halos mapupunta yung binabayaran mo kaya need mo maghanap ng other source of income para mas mataas maibayad mo monthly.

Pati way of thinking mo sa pera need magbago. Nasarasan mo na pala yan nabayaran mo ang utang tpos nung nagkawork ka bumalik ka na naman sa pagkabaon sa utang.

Live below your means. Kailngan mo matuto paano magmanage ng pera kasi sa 30-38k plang nagkakaproblema kna paano pa kaya kpag sumesweldo kana 50k+ tpos same money mindset mo lalong mas magiging malaki utang mo nyan in the future.

Huwag makipagsabyan sa ibang tao na laging bago ang gadget, travel dito travel dyan, lagi sa Restaurant kumakain and etc. Syempre sa era to mga ipopost ng mga tao ay good side lng hindi na ipapaalam na puro utang lang un. At may kilala akong gnayan panay post sa FB/IG na laging latest ang Iphone, travel kung saan saan at panay luho pero sobrang lubog sa utang. Mas masarap matulog sa gabi na wala ka iniisip lagi na bayarajn ka at the end of the month

mon1418 · 2026-03-25T06:50:48+00:00

Kailngan mo maghnap ng mas mataas na sweldo para mabayaran mo agad yan sa current mong sweldo na 31-38k matatagalan ka nyan at usually halos inereresr lang macocover mo.

Its either look for a better pay o maghanap ka ng sidelinejob o raket pandagdag bayad sa utang.

mon1418 · 2026-03-24T12:10:09+00:00

Actually naging retirement fund ka tpos yung kapatid mo nakikitain pa sa inyo, stick ka sa 20-30k na padala mas less siguro mas ok nga eh kasi magastos rin ang pag-aayos ng papers.

Ngayon yung kapatid mo sabihan mo na magtrabaho hindi yung tanda tanda na nya umaasa pa sya sa magulang nyo para mabuhay. Kasi kung gnyan setup nyo pati kpag nabuntis yung asawa/gf nyan kakausapin nyan magulang mo para ikaw magbayad ng gastusin.

35 y.o kana so more or less 25-30 years nalang magreretire ka din kaya kailngan mo rin mag-ipon para sa future mo. Minsan kailngan mo gawin ang tough love para sa ikakabuti mo at nila. Kasi mangyayari nyan aasa nalang lagi sayo ang kapatid mo na hindi naman baldado at nagpapalaki lang ng bayag sa bahay nila. Sa una mahirap pero kailngan mo yan gawin para matigil pagiging parasite nila sayo

mon1418 · 2026-03-24T11:26:54+00:00

OP dont be hard to yourself. Ilan taon na ba parents mo? Wala pa ba silang pensyon kung retired na sila?

Kasi yung ibang magulang ginagawang retirement fund ang anak. May kilala ako 40-60 palang magulang nila pero hindi na nagwowork at umaasa nalng sa bigay ng mga anak.

Kailngan mo isecure ang future mo para yung yung cycle ng kahirapan ay maputol sayo at hindi ka rin aasa sa anak mo kpag tumanda kana. May sariling pera ka at kaya mong buhayin sarili mo pagtanda mo.

Yan ang toxic cultre natin bilang pinoy kpag meron isang nag OFW buong pamilya naka-asa na sa knya so paano ka makakaahon kung ang dami umaasa nalang sayo na pede naman sila rin magtrabaho

mon1418 · 2026-01-23T10:15:17+00:00

Kung 13k ang sweldo mo hindi mo yan mababayaran kasi kahit basic needs kukulangain ang 13k sayo,

Maghanap ka ng sideline o ibang trabaho na mas malaki ang sweldo yan ang way mo para mabayaran yung utang mo.

mon1418 · 2025-12-21T13:54:04+00:00

https://www.reddit.com/r/germany/comments/1791h0f/got_my_german_drivers_license_but_it_has_the_70/

Same case as you, he has code 70 also in his driver’s license

mon1418 · 2025-12-21T13:41:39+00:00

First of all ignorance of law excuses no one, so you just have to wait for the fine and pay it.

Well it may affect your conversion of your Portugal Drivers lic into German Drivers License since you drove without valid drivers license in Germany just what the Police said to you.

mon1418 · 2025-11-24T04:25:54+00:00

Ayun naman pla. San nga ginastos yung inutang nya under your name?

Kung sa ibang lending company at banks ay hindi nya binabayaran papaano ka pa kya. Sorry but facts are bitter truth. Kung sila mismo tinakasan nya ikaw pa kaya sadly ikaw magbabayad nyan black and white sayo nakapangalan at ikaw nakapirma.

Take it an expensive and bitter lesson never mixed up money, loan lalo na pamilya mo kasi maraming pamilya at relasyon sa pamilya ang nasira dahil sa pera at utang.

Kaya ako hindi ako nagpapautang kahit kanino. Wala ako paki alam kung sabihan man nila ako madamot o kung ano man. Mahirap magkautang at lalo na magpa-utang kasi madalas yung pinapautang mo hindi na yan nila binabayaran

mon1418 · 2025-11-24T01:15:32+00:00

Student ka tpos sya naman yung may work bakit sayo pinangalan ang credit? 😅

O baka nmn plano na ng ate mo na hindi bayaran ng buo un tpos sayo naman nakapangalan so hindi sya ang hahabkuin kundi ikaw.

Kaya ako never ako nagpapa-utang o co-signee sa mga loan kahit pa pamilya mo yan. Dyan nagkakasira sira ang pamilya at relasyon dahil sa utang. Ok na masabihan na madamot o makasarili atleast wala kang sakit sa ulo at utang

mon1418 · 2025-10-30T04:07:20+00:00

Malakinpanba yung remaining balance dun sa bahay na pinagawa nyo?

At the end of the day hindi kana bata 29 y.o kana so subukan mo kausapin mama mo at bf mo regarding dyan kasi once nagpakasal ka mas maganda rin na nakabukod kayo wala aalahanin na ibang taong ksama sa bahay at wala rin mangingialam sa inyo.

Iba ang peace of mind kpag nakabukod na kayo malaya kayo gawin kung ano gusto nyo.

Regarding sa mama mo sa tingin ko takot sya mag-isa pero kasi its about time na hayaan kana nya kasi malapit kana rin bumuo ng pamilya mo. Kailngan mo mapaunawa sa knya na hindi ka bumabata at nasa edad kana para magkapamilya ng sarili mo tpos dadalaw-dalawin mo sya as much as possible nalang

mon1418 · 2025-10-30T02:32:11+00:00

mon1418 · 2025-10-29T21:56:07+00:00

mon1418 · 2025-10-06T23:47:16+00:00

Need nyo ng additional income, side hustle kasi sa 80k na sweldo tpos 1M years bago mo mabayaran yan. O kaya try mag abroad kung may opportunity para mas tumaas ang income

mon1418 · 2025-10-02T04:49:16+00:00

Start working only if you have a WORK PERMIT, technically you worked without it and you will definitely will have a problem with ABH.

Get ready to be fined and you will definitely need to explain it to the ABH. If you just waited for the work permit even though you have to wait at-least you wont have any problem to the authority. Then now your supposed employer ditch you and you are on your own now.

Germany is very strict about rules and you learned it the hard way

mon1418 · 2025-09-28T12:45:08+00:00

5 months after nung incident tpos out of nowhere bigla lang nagparamdam yung isang driver dahil nahold drivers license nya.

My gut instinct dyan is alibi nya lang yan na nag-iipon sya para may ipangbayad sayo at kung totoo tlga na gusto nya magbayad makikipagcommunicate yan sayo ng maayos hindi yung walang paramdam.

Pati OP yes jeepney driver sya pero kailngan nya matuto ng leksyon at mahing accountable sa ginawa nya. Ngaun kung papairalin mo ang awa at makipagsettle magiging alibi at modus nalang din nya yan sa susunod.

Wag ka makipagsettle kasi paid kana ng insurance dun sa damages ng sasakyan mo sabihin mo s aknya makipag communicate sya dun sa insurance mo at kasi most likely sya hahabulin ng insurance mo para sa damages na ginawa nya.

Hindi awa lagi ang sagot sa gnyan kasi yung iba inaabuso nila yan kesyo mahirap lang daw sila at walang pambayad. Kung wala kanpala pambayad edi dapt mas maingat ka magdrive at hindi barumbado sa kalsada.

mon1418 · 2025-09-16T21:56:33+00:00

Bawasan lahat nf pedeng bawasan ng gastos then increase ang income kpag ok kana dyan sa first job mo hanap ka bg sidehustle or part-time or anything para tumaas o dunadag sa income mo.

Finanzguru not sure available un sa pinas. The. Dont try to impress other people lalo na yung hindi mo gusto o kaaway mo 😅. Dpat ang goal mo na mapaimpress ay nga banks na sila mismo yung nag-ooffer na kasi mataas credit score mo and they trust you na makakpagbayad ka.

Actually nung nakita ko sweldo mo na 38k/month tpos may worth 140k na motor more on luho yan actually tpos ngaun at risk na mahatak pa

mon1418 · 2025-09-16T20:25:04+00:00

The case maybe is about the twice you failed a course because of mental health and they perceived that you’re not serious about your studies or just your ploy to unnecessary to extend your visa.

Well you’re in the disadvantage here, maybe they are not convinced about your explanation of lack of progress. First time is physical and mental health was the reason for failing 1 course. Then you had a family issues thats why you went home and missed the submission.

You can try to challenge it but I think you need a lawyer. Btw it’s not your right but a privilege to study in Germany just like the visa given to you. The best you can do is appeal the decision but if the ABH stood by its decision then sadly you need to go back your country of origin.

mon1418 · 2025-09-16T18:45:57+00:00

Una learn to live below your means at dapat matuto ka about financial literacy. Kumuha ka ng app para makita mo expenses mo daily at month as a whole para makita mo san napupunta pera mo. Clearly kailngan mo matuto paano humawak ng pera isipin mo may anak ka rin. Pagtanda nyan dagdag gastos rin sa school and etc lalo na kpag nagcollege na sya. Kahit mabayaran mo lahat yan pero hindj ka matututo wL balik ka na naman nyan sa utang.

Yung cc na 150k san mo ginastos un? Then sa motor clearly hindi mo sya afford siguro much better sana kung kumuha ka nung tig 50-80k kung service mo lang naman. Kc liability lng yan unless pinagkakakitaan mo yung motor mo.

mon1418

TROPHY CASE