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I am not here to offend anybody.

Today, as an expat, I realized my Filipina girlfriend had almost no savings after working for 10 years. What confused me is that I know she earns relatively nicely, compared to people here.

(She earns two times more than the average income of the Philippines).

After having a longer conversation to understand the situation, she said she had to support her household, his younger brother's studies, and monthly payments for her phone and car. Which made her live paycheck to paycheck.

What confused me very much was the part her mom kept asking her for more money while knowing her financial situation. That almost sounds like a kin-slaying in a financial manner. Combined result of not knowing the importance of financial planning and a lack of basic economics/finance knowledge.

According to what I heard, her mom loves to cook in large bulk and share the food with the neighborhood or give her siblings financial help, while she is aware her daughter is living paycheck to paycheck. WTF???

Also, my girlfriend told that many of the team members at work are sharing the same issue. Despite her team members earning more than average, they either have to support their family members or suffer from poor financial choices.

I think the culture here might be the cause of staying poor. Many things made saying "WTF" seem normal here. (For example, flexing with loaned money on your/family member's birthday.) Philippino focuses on helping each other too much and ends up being poor together.

So what can I say about this? I think I can try to help this stalemate by writing easy financial articles. Hope it will help.

🌼 If this article resonates with you, please upvote and share, tell me what you think in the comment. Maybe I am wrong. Maybe you have better idea to share.

Hello I'm M22 with my gF21 she's been my girlfriend na going 10 months.

She's been a wonderful girlfriend but there's just one part I don't really like.

Napansin ko sa katagalan na, medyo may pagka ( di ko ma explain or mahanap yung word) sya sa pera.

Madalas nagpapalibre , before ko siya pagsabihan andalas nya din magsend ng mga tiktoks na mga gusto nya tulad ng makeup. Tapos in the future daw nahirit na ng mga bags, makeup, travel, etc. nakakapagkita kami madalas sagot ko transpo niya pauwi.

Studyante lang akong nadiskarte pandagdag sa araw araw ko.

Nakakadrain honestly.

Madalas sa dates ako taya, nung pinakilala niya ako sa parents nya, biglaan pa. As in sinabi lang biglaan na punta ako. Nakakairita ng konti pero sige. Dumating muna sa kanila kasi nauna na daw fam niya. Dumating sa mall then kumain. Ang nakaka irita yung mga ate nya daw nagpapunta sa akin. Treat nila yung food, nakakaramdam kasi akong insulto naman kung titry ko pang bayaran yung pagkaing bayad na.

Pero duda kasi ako, dahil Pati food pinaghatian namin yung gastos. Nasa isip ko bakit parang ang redundant, ano yun sinarili niya lang ba yung inabot ko?

Apologies, I know po immature situation at tanong, pero gusto ko lang po malaman paano to iapproach in a mature way.

At this point di ko makita future namin kung ipagpatuloy Niya gantong attitude.

Hello fellow adults.

I 24(M) is curious ano yung mga vitamins or supplements na ni coconsume nyo every day to be healthy. Nasa point na ako ng adulting kung saan priority ko talaga maging healthy. Trying to break bad habits and make a system to take care of myself. Working nadin ako for almost 2years and trying my best to be a responsible adult. Ang hirap pala kasi talaga magkasakit. Apektado lahat eh.

So far ito lang vitamins ko: Vitamin C - Ascorbic Acid

Supplement for working out: Creatine Monohydrate Protein Powder.

Kayo ba? Any recommendations?

Friend A kasi shared to Friend B na may crush siya kay Friend C. Us 4 belongs to the same group of friends. Now, si Friend B biglang shinare kay Friend C na may nagkakacrush sa kanya. After ilang tanungan and usapan ni Friend B and C, ang pinaniniwalaan niya ngayon is ako ang may crush sa kanya na ginagatungan pa ni Friend B in defense na "para di mareveal kung sino ang may tunay na crush."

Ngayon, di tuloy kami nag-uusap as usual ni Friend C maybe because nasa awkward phase kami ngayon dahil dito.

It feels unfair. I feel helpless din kasi ayoko naman mareveal yung secret ni Friend A para lang maclear ko ang sarili ko kay Friend C. Gago ba ako if i-confront ko si Friend B and sabihing tigilan niya na and be accountable kaka-spill niya ng secrets ng iba? Na sasabihin ko na kay FC na hindi ako yung tinutukoy ni FB na may crush sa kanya?

I know that part of PH culture ang nakatira pa din with immediate/nuclear family kahit matanda.

For those na single and nasa 30s na, naisip nyo ba na magmove out na, magsarili and be "independent"?

And for those who have done it, at what point nyo naconfirm na it is the right time.

Hi everyone!

I know na di na bago itong topic sa sub haha. Nadukutan kasi ako ng wallet sa Puerto Princesa last week, and lahat ng IDs ko (TIN, Postal, National ID, Work ID) ay andoon. Now the question is, ano-anong IDs ang puwede ko pang makuha ngayon to replace the IDs na nawala ko? Yung National ID kasi takes YEARS para mag-issue, and yung PhilPost yata ay di nag-ooffer kasi nga may National ID na. I'm not sure if hinohonor ang Barangay IDs sa official transactions.

So ayun, may mga maisusuggest ba kayo na IDs na puwede makuha? Kind of desperate din kasi medyo ma-travel sa work, and kailangan ng IDs sa mga domestic flights. TYIA!

UPDATE:

I found out na may E-Gov App pala ang DICT and dinidisplay nila yung national ID mo.

1. nag-ho-honor ba ng digital IDs ang banks or other official transactions?
2. tinatanggap ba ito sa flights?

HUHU PASENSYA NA

Hi, I'll be traveling to the US for a month with my family and I'm planning to get travel insurance for our group (covers both medical care and travel delays, etc.)

My parents think it's a waste of money, but I want the security sana of knowing that if anything happens, we won't be burdened with high costs (especially, considering the US isn't known for cheap medical bills). We won't be doing anything dangerous naman but i just wanted some peace of mind haha.

Can anyone recommend the best travel insurance for a 1-month stay abroad? I've read multiple reviews here about Oo/na, Pa/cif/ic Cro/ss, and IM/G, but most of them are for trips of less than 2 weeks, so I'm unsure if those recommendations apply to a 1-month stay.

Thanks in advance!

*sorry for censoring the names, just wanted to avoid possible bots *i've crossposted this to 3 subs bcoz very desperate, sorry!

Hello. This is a long read. I just want to get this all out since I feel na hirap na hirap na ako.

I just turned 23 years old last June. Kakagraduate ko lang din pero 2 Year Course lang yung natapos ko. Actually, sobrang hirap na hirap na ako sa path na tatahakin ko and next steps ko sa buhay. Patay na both parents ko, my father died very early on sa buhay ko na never ako nakaranas ng father figure. Si Mama naman died last 2022. Walang properties na naiwan(kahit pera) or anything, debts lang and luckily hindi na ako siningil nung mga nautangan. Yung nagiisang kapatid ko has a life of his own living na in Japan with his family and we don't talk na. I'm left all alone here sa Pilipinas and nakikitira ako sa kamag anak ko. Back then sobrang introverted ko and wala ako friends sa school (nabubully lagi) so ang escape ko is yung online games. Dumating din sa point dati na nagddrop ako dahil sa sobrang pambubully sakin and family problems. Nung tumigil naman ako sa pag aaral naging busy rin ako sa crypto games and nakapagprovide naman kahit short amount of time kasi Axie plummeted so fast around December ng pandemic and late na ako nakapag entry. And sunod sunod ang pangyayari mula December hanggang sa one day nagising nalang ako tas si Mama is nastroke sa CR and 7 days after she died. Napakabilis ng pangyayari and yung pagluluksa is napagkait pa sakin ng mga kamag anak ko since aware sila sa history ko na may depression (SH). They tell me na kapag ginawa ko pa yun is sila yung mamamatay sa worry. Kaya I kept it all in since 2022 pero ngayon pakiramdam ko sasabog na ako sa sobrang lungkot and pressure.

Di ganun kaganda childhood ko and sobrang nakaapekto saakin ngayon. Nung namatay si Mama saka lang ako nagdesisyon na magtuloy ng pag aaral and tinulungan naman ako ni kuya sa tuition (semi-private yung school na napasukan ko dahil walang ibang school for college dito sa Province namin at nagkataon na vocational yung available) Kaso kahit nakagraduate na ako ang hirap makahanap ng work na fit sakin, no experience at hindi Bachelor's Degree. Hirap din ako kumuha ng government IDs kasi puro down yung Postal, UMID, at National ID. Sa ngayon hawak ko lang is NBI Clearance at yung passport is kakapaschedule ko lang at marerenew ko palang sa Friday (7/12) Yung Voter's Cert naman sa August ko pa makukuha. Ngayon ko lang naranasan yung mga pagkuha sa mga ID na yan, sa sobrang kawalan ko ng interest sa buhay ko before (I always thought of ending it) never ako nagresearch about sa ganyan and nakakalungkot lang na yung ibang mga kakilala ko is natuturuan ng pamilya nila na dapat kumuha ng ganito o ganyan para maging ready na after grad or pamilya mismo nila nag iinitiate na kuhanan sila ng mga IDs. Nabibigla ako sa gastos and sobrang limited nalang ng funds ko pero wala pa akong work na nakukuha. Regular ako sa Jobstreet/Jora/Fb Groups pero walang mga nagrereply sa mga applications ko lagi lang vineview.

I just feel so cornered na dahil pakiramdam ko hindi na ako makakahanap ng work. Hindi ko naman kaya mag Maynila kasi yung cost of living hindi ko kaya at wala naman magpprovide na para sakin (hininto na ni kuya padala niyang 5k a month) dun palang sa one month deposit at one month advance ang hirap na para sakin. No comment nalang ako abt sa mga kamag anak ko and masasabi ko nalang is mag isa ako right now sa lahat ng problema ko.

Thank you kung nabasa mo 'to hanggang dito sa dulo. 'Di ko rin alam kung gusto ko ng advice or taong makakaintindi lang at makikinig sa kwento ko. Thank you.

Hello, strict ba sa time ang NBI for pick-up ng Clearance? Maybe an hour and a half late because of work and byahe. TYIA!

Hi everyone! Ask lang po if ano mga requirements need if ako (apo) ang kukuha ng PSA birth certificate nila. Isa na lang po kase ang natirang anak nila which is yung dad ko kaso nasa ibang bansa siya ngayon. Need ba ng authorization niya or pwede ako na directly kumuha dun? And ano po mga requirements ang need? Thank you in advance :)

Mine are the simple things about childhood (because I feel like I was forced to grew up too fast), having free time, and the everyday things that my parents did for me like preparing food and also my packed lunch and snacks. Grabe, I've had so much to be grateful for pala.

Hi! As the title says, saan po kaya magandang place magrent? Working ako sa BGC and my SO naman is sa ecom pasay?

Thank you in advance!

As someone who's really curious. Share a screenshot of your notes app (ofc blur confidential details). I think you can also know someone by checking their notes app haha.

Hi redditors, ive been in medical debt with my dad for the last 10+ years, even with his passing i still have about 4 years of loans left. Right now the monthly take home i get is around 20k (net of all loans), is this enough for a family of 3 in the province and still have enough to save (my mom and my gf live with me)? what would be the ideal budget breakdown? Thanks to all in advance!

21 M here, Tanong ko lang mga bossing if how much yung micro needling treatment and kung saan kayo may i re recommend na derma (metro manila only) and totoo ba na pag nag maxi peel ako mawawala kahit papano scars ko ? I've had these scars since junior high at hindi ko na matiis tuwing napapatingin ako sa salamin or under bright lights naaasiwa ako sa nakikita ko.

Thanks in advance.

I'm kind of in a tough situation rn. I feel like I've been traumatized by all the workload that was given to me a few months back. Plus, I have a very negative experience with administration the past 2 years. I had to seek therapy recently and make use of the summer break to feel better, I'm a teacher by the way. The therapist told me that it's probably severe burnout. Tbh I want to resign from my job already, but I still haven't found anything new at the moment. I've been applying for jobs elsewhere since last month.

As the therapist suggested, I had to stay away from work-related stuff for a while, which I did for an entire month. And I began to feel better. But now that the summer vacation is almost over, people from work began to contact me. I thought it was gonna be okay since I had my rest. But when I got the emails, I started to feel that my anxiety was coming back. I felt nauseous, I trembled, and began to palpitate. I'm scared to go back to work honestly and experience all those stress all over again. My workplace is extremely toxic. I'm really bothered by how my body reacted when I got those emails from work.

But the opportunity hasn't come yet. Honestly, idk how I'll get through the next few months while waiting for it. Thinking about going back there makes me want to cry. I want to resign already but I don't have that option for now. A friend told me I just have to be a little more patient, but waiting is so painful honestly. But I guess I don't have a choice for the meantime but to do that.

What do you think are the things that I should do to get by while waiting for my opportunity? I'd be very thankful to hear some suggestions.

I am easily not an introvert person, pero kapag nilalapitan ako at sinusundan ng mga sales person kapag nagtitingin ng mga items, mapa grocery man, or any store, grabeng nakaka anxious, tapos bawat titingnan at hahawakan mong item, ieexplain pa masyado yung details. 'lady, i know what I'm looking at, I know how to read. hahaha. minsan jinojoke ko nalang sila about the items (sorry, mostly ay ladies kase) pero I understand it's their job, it's just I can't stay inside the store and concentrate getting my items without being anxious, so please keep your distance. I'll call when I need help.

any similar experience?

I had online interviews for a multinational company. The people who interviewed me were all based in the US.

The interview consisted of 4 stages. After the 4th interview, the director congratulated me, and told me that their HR will send me the contract and the further details.

But.........i havent received the contract even after emailing the HR whom I have in contact with re my 4 interviews. It's been more than a month. And yes, I've been applying to other companies and not limiting my options

Job hunting is hard. I think my mental health is slowly deteriorating