r/adultingph

So nagpa-site transfer ako ng linya kay Converge and was charged of 2,500. The technicians arrived this morning and reported their concern na punuan daw dito sa nilipatan kong area. With that, hahanapan daw nila ng poste and they would charge me a separate 3,600 pesos kapag nag exceed sa tatlong poste yung kakabitan na line. He also mentioned na yung 2,500 is para sa site transfer fee lang sya, and yung 3,600 ay payment kapag nag exceed sa tatlong poste yung kakabitan na line.

He added na wag na daw idaan sa Converge (duda na ako dito) but I still proceeded with it kasi need ko talaga ng internet for my WFH job.

After installing the line, hiningi na sakin ni technician yung payment and gusto nya separate transaction yung 3,600 (3k sa kanya and 600 para sa driver nya).

Something was really off so itinawag ko sa Converge yung nangyari. Hindi daw talaga normal na nangyayari na may direct payments na magaganap para sa mga technician. Na-screenshot ko yung Gcash transactions and I took a picture of their sevice report form.

Another failed decision on the spot sakin to. Can't believe na napaikot ako all because i was in need of it. Amounting to 6,100 din yung nailabas ko. Sobrang na-gguilty ako kasi i'm trying to save money especially sa nangyayari ngayon. I'm supposed to be happy na finally nakapag move in ako sa magandang lugar, masisira lang yung moment dahil sa mga technician na to ng Converge.

Parang sinamantala nila yung pangangailangan ko sa internet, alam nyo yun? If I said no, talo pa rin ako since the installation would be delayed. If I said yes, talo pa rin ako kasi I was unreasonably charged. I rebuke whatever this negative energy na nabubuo sa lilipatan kong apartment 🪬

I have to wait 24 hrs daw para tumawag ulit sa Converge para mainvestigate nila kung mababawas sa bill ko yung hiningi sakin na 3,600 ni technician, which is alam kong hindi mangyayari kasi separate transaction sya via Gcash.

Please respect.

I am a 26-year old guy and still living with my family. I work from home, making about 50k gross, and have my own room.

Lately, Ive been overthinking a lot and is really struggling about peer pressure. Palagi ko iniisip na Im already behind my peers as most of them are already working their future – most of them are already in their 4th year as Med/Law student. While ako, stagnant. But a friend of mine told me na Im not behind, since Im already earning money and working. Sabi niya some of my batchmates in school may be looking up to me because Im already earning money and working.

Really, nakadepende talaga how we framed our mindset.

Gusto ko mag move out since I really want to be independent from my family. In fact, even though Im earning now, Im not contributing sa expenses sa bahay. Technically savings mostly nalalagay since di naman ako magastos.

Plano ko ngayon mag move out and magrent ng condo where I can live alone far from family. But honestly, im scared, but I don’t know how to brave it. One of my worries kay if I move out, less savings na since Ill be the one to shoulder everything from food to rent to utilities. Pero wala naman akong goal now, like walang concrete goal ano ung gusto ko bilhin for my savings. Savings lang kumbaga- walang pinaglalaanan.

Now, Im also thinking to pursue law school while I’ll solo living. Pero Im honestly unsure why Law, maybe because I just want to feel good na Im also moving forward same sa mga batch mates ko. Pero I don’t really know if I really want to pursue law. Halfhearted ako sa law.

Hirap, sht. Andaming clashing conflicts and hindi ko alam how to manage them.

In fact in the past few months, lingering na ung thoughts na im ready to die anytime soon, pero hindi intentional death ha, but rather Im not afraid of death anymore. Maybe because wala naman akong maiiwan, maybe parents and family, but may mga ibang kapatid naman ako so my parents can still be happy.

Wala rin kasi ako planong mag-asawa, in fact, i never had a lover before. Maybe Im feeling incapable of love. So it’s not really a waste if I die, lol.

Feel ko talaga I need to have a goal, para makamove forward ako.

Can you please share me something related about yourself if ever you experienced one of my mentioned conflicts above. And how did you fight it? Are you happy ba?

Hay. Ewan ko, for context. 28F. Still living with my parents.

Bat ganon, before naman I’m into corporate, marketing, etc. Now I’m so burn out. Parang nasusunog na utak ko sa work ko. Parang dapat lahat purrrfect. Helpful yung mga sites yhat will create for you sa mga ganitong kind of work, content, posting, marketing.

Pero nawawalan na ko ng gana sa ganitong trabaho. Di ako masaya.

Normal bang di mo alam yung next step at kung anong gusto mong gawin sa buhay? I envy people who know what they want. Yung alam nila yung gusto nilang gawin sa buhay in the long run, ganun. Yung alam nila yung gusto nila in life :(

Aaaahhh ako lang ba to :(((

https://preview.redd.it/1qch09kph6oe1.png?width=940&format=png&auto=webp&s=3b88cbf84e8c3477fdb95f066046c3a55abab873

This is a weekly open forum for anyone to ask any question related to adulting no matter how simple. Questions and topics like:

• Budgeting and expense tracking
• Resume writing and job application tips
• What appliances to buy?
• Basic home repairs and maintenance
• Prioritizing tasks and time-blocking
• Public transportation tips
• Travel budgeting and planning
• How to improve/take care of my mental health?

And many more!

Don't forget to always check our FAQs (Frequently Asked Questions) section before posting an inquiry.

My father had a heart attack.

We rushed him to the hospital near our home which is private. It was confirmed there that it’s a heart attack and he needed angiogram. The hospital doesn’t have that so they suggested to transfer my father to another hospital but the cost of the procedure is too high. While we are researching for another option, he was confined there and they gave him meds to ease the pain. Since day 2 until discharged day, the doctor just communicated with us through phone and some days, no contact at all. In the end, we asked him what we’re waiting for and he told us he is just waiting for us to make a decision to transfer my father. When we told him we plan to transfer him to a public hospital, he became defensive and says it’s not safe. But we found out that my father can claim the AMI package by Philhealth. The doctor suggested that we go there personally as emergency. No recommendations from them so it’s faster. So we called the barangay ambulance to transfer my father. Our bill was 85k+ (PF was paid in cash, even debit is unacceptable).

So we transferred my father to a public hospital. I made sure they are honoring the AMI package. We got doctor’s name from a friend. Thankfully, my father had the angiogram and angioplasty on the night of the discharge day so we got to the semi-private ward before the end of the day.

Fast forward to the discharge day, our only excess in the bill after the AMI package is around 300+ including hospital bills and PF. PF coverage is around 150k+.

But here’s the catch, the doctor who performed the procedure is charging us ADDITIONAL FEE of 180k (with senior discount already). They deducted the supposedly Philhealth fee of 120k so we have 60k balance. They are making us feel guilty about it because the 120k from Philhealth will not be given to them in full because of deduction so we should at least pay the 60k. We begged to pay it in installments because we just loaned our money for the first hospital and we don’t have enough considering the meds we need to buy afterwards. They agreed but it was hell talking to them.

Then before leaving, AFTER we had cleared our bill, the doctor relieved the first one (because they had a trip during my dad’s confinement during recovery) was charging us 15k! They’re saying that it should be 20k and that’s already discounted. They’re even threatening us that we not go out the hospital without paying. I was so scared that time and just told them that we will go back and pay them in installments during my father’s follow up check ups.

After a few days of thinking, I realize what the 150k of philhealth coverage is for? Why are we paying extra fees? Is this really a standard? Where can I ask for help or advice on this matter? Can I consult DOH or Philhealth?

Note that they told us in the hospital that the doctors are private but I don’t even know what that means.

Currently spending at least 1500/week for the meds. And check ups at 800/visit.

Any insights would help!

Anyone else feel like life in your 30s is just a mix of “I’ve figured things out” and “what the hell is going on” on alternate days? 😄

Like one day you’re giving solid life advice to someone, and the next day you’re staring at the ceiling at 2am thinking about one awkward thing you said in 2014.

Also, how are we all just casually dealing with responsibilities now? Bills, health, relationships, career… and still expected to reply “all good” when someone asks how life is going.

And don’t even get me started on energy levels — mentally I want to do 10 things, physically I’m like “let’s sit down for 5 mins” and suddenly it’s 2 hours.

Somewhere between growing up and healing, you realise peace > everything… but also good food > peace sometimes.

Anyway, just a random thought dump. If you relate, we’re all just figuring it out together 🤝

Hi, hahatiin yung lupa ng lola ko between sa papa ko at mga kapatid nya, tatlo sila. Yung tita ko, mag-oopt out na at ibebenta samin yung part ng hati nya so yung hati ng lupa is sa papa ko (samen) at sa isang sibling nya.

Ngayon, yung para sa bayad sa lupa puro sya gamit ng term na "pasuklian" para sa bayad dun sa ibebenta nyang part samen. Bilang kaming mga anak yung magbabayad, ang idea ko is "sukli" ibig sabihin may discount(?) yung price na hihingiin samen. Based sa BIR Zonal value P6500/sqm lang yung price sa street namin, ngayon nung tinatanong ko ng amount na ineexpect nyang "sukli" samen, sabi nya P12,500/sqm tapos dagdagan na lang daw kung pwede.

Normal lang ba yung ganyan na "sukli" in terms ng lupa? Tuwing naguusap kami iniiwasan ko yung term na yan kase naiinis ako, "bayad" yung ginagamit ko. Parang pasalamat pa kame kase may "discount" yung price na "pinapasuklian" nila

I’m currently rendering my last week at work and I don’t have a backup job yet. I’ve been applying and got some callbacks, but I couldn’t attend some interviews because I’m still rendering and I didn’t want to risk my final pay getting affected since I really need it.

Some of you might ask where my savings went honestly, I had move to a new city and I ended up borrowing money from friends and using loan apps just to get by. I’ve been slowly paying them back, but it’s been really tight financially. I'm genuinely tired and worried.

Now I’m down to my last 1k bill enough to survive this week. My rent is secured, but I don’t really know how I’ll survive next week for food and transpo to go to job interviews. I also don’t know when my final pay will be released—if it’ll come after my last day or if I’ll have to wait weeks.

I’m honestly overwhelmed and anxious right now. This whole transition just feels heavier than I expected.

I'm starting to regret honestly but I couldn't stay in the job anymore. I was still in my 1 month and everything felt shit and kept having thoughts that I shouldn't have. So I had to.

I started a job 2 weeks ago but now i don’t have any motivation or energy para pumasok. I was relocated for this job 10 hrs away from home.

My problem is my workmate and the work environment. The salary, benefits, and the company are good but not the environment.

My workmate is passive-agressive and gusto nya solohin lahat ng trabaho. Feel ko threatened sya nong pagkapasok ko dahil mas bata yung ako at mas higher ang position ko sa kanya. Wala rin akong ibang makausap sya lang since kaming dalawa lang sa team.

Kinausap ko sya na magsplit kami sa project then pinareview ko yung pagsplit he said “okay na yan baka pokpukin mo ako”. Hindi lang yan yung mga sarcastic nyang sinsabi.

The nong nagsplit kami sabi nya na sya pa rin gagawa ng reports (which is mostly yon yung gawa). Pero I insist na gagawin ko yung project na nakaassign sa akin.

I already loose 5kg of weight due to stress and my eyelid doesn’t stop twitching since 1st week due to anxiety. I already adjusted sa bagong apartment and I already overcame homesickness pero wala na akong motivation na pumasok pa.

What should I do? I am planning to stay for atleast 3 months pero I think its not worth since I am sacrificing my mental health just for the sake of resume.

Hey everyone! I’m about to graduate and head into the professional world, but I’m a bit stuck on where to start with certifications. Hindi ko alam if I need to prioritize a specific programming language certification, or an AI-based one be better gawa ng trend ngayon? I’d love some tips on which path offers the best head start for a fresh grad! I'm a Computer Engineering Graduating Student.

Hello! I have been contemplating and thinking about this, just wanted insights.

I have 100k Php On Hand, currently in Maya Savings earning 600 Php per Month in Interest

I am thinking about transferring it to Hexagon Club Privilege mainly for the credit card and the premium bank status. If I get the CC with a ~100k limit I can avail installments to fund my goals. I also plan to Auto Charge all recurring bills payments to the Card, and have ADA from the Savings account. This way I only need to transfer my Payroll to the Savings account and then the bills are automatic na

However it will be a TradBank Savings account so negligible interest rate in exchange of the CC and the Free Bank Statements and Certificates that will help in later Visa applications since I work in an airline

What are your thoughts on this?

Lumaki ako sa pamilya na in-charge sa pag huhugas ng plato at kalat kapag may family reunion both side ng family namin malalakilng pamilya. Yung side ng mother ko okay nman halos pantay pantay kami ng kalagayan pero sa side ng tatay ko nasa bottom tier when it comes to social status.

Yung panganay nila tatay may kaya, tapos nka pangasawa pa ng maganda rin ang hanap buhay. Growing-up sila yung nilolook-up namin pag dating sa financial stability. she is that typical tita na bida bida at laging may comment sa mga desisyon mo sa buhay. but as we grow halos hindi narin sila umunlad pero steady, while the rest of the family - kaming mag pipinsan umayos na yung mga buhay.

fast forward last year nka pag patayo sila ng bagong bahay, syempre the usual pabida. She invited us for a house warming. So we attended kasi semi family reunion narin, syempre hindi mawawala yung emphasis sa expenses at cost ng bahay sa usapan umabot daw ng 8M blah blah blah…

habang nka tambay kami mag pipinsan sa labas ng bahay nila, lumapit tong si tita sabay banat sa gamit kong sasakyan.

”yung sasakyan mo pwede mo ng palitan yan, yung pinsan mo (anak niya) kakabili lang ng EV niya, mag-EV ka narin”
sabi ko, hindi po muna. kasi nag papatayo rin po ako ng bahay.

non-verbatim: “ah talaga, tama yan, kahit sa mga row house lang maganda tlga yung may bahay”

alam mo yung kunwari concerned pero ayaw mag patalo. Hahahaha!!
so naisip ko, since marami kaming andon, sabi ko mag follow-up event kami. Doon kami sa club house ng pinapatayo kong bahay.

bumanat ulit si tita. “Basta kasya tayo” punyeta tlga laging may comment, hahahaha. Ganito na siya as long as I can remember hahahah -- may comment sa lahat may comparison sa mga anak niya.

anyways so marami ang nag agree na mag event nga kami, binigay ko yung address somewhere in Laguna.

Eto na nga,— unti unti sila nag datingan sa clubhouse. we have this resort level, infinity pool, air conditioned play-room for kids, and huge hall. Highly secured din yung subdivision.

first time nilang lahat pumunta don, except for my immediate family. Kasi we really want to keep it a secret hanggang matayo sana yung bahay kaso, nangibabaw yung irita ko sa kanya, so napasubo na ako.

then dumating sila tita. while everyone is praising my achievement including yung asawa niya. Siya nman nag hahanap ng macocomment, but deep inside I know. na naipamukha ko sa kanya na pantay na kami,

while enjoying our meal, hindi na niya napigilan ang dila niya magtanong.

”Magkano niyo nakuha yung lupa?”

it’s my time to shine : “8M tita, lupa palang ka presyo ng bahay niyo, yung construction contract nasa 12M. so at least 20M lahat. “ (Poker face lang ako, pero deep inside, nakbawi din!!!) hahahahha…

i noticed that when people start earning in rates they’re comfortable with, they jump into buying a car. which in most cases, if you make P50,000 to P100,000 monthly, are loans.

i’ve seen too many cases where people get their cars towed by the bank because they’re no longer able to finance the loans that they might have been able to sustain a year or so ago. economy and job market is too unstable, life is unstable. saw this happen to my own brother who was overwhelmed when he started making dime, and jumped into loaning his first car. maintenance is expensive. if single ka naman pero ekis na talaga sa commute (same), opt for angkas or moveit instead. quick. efficient. and if you compute, actually cheaper than what it would cost to maintain a car in terms of gas, maintenance and monthly amortization.

not to mention a car is a depreciating asset. so if adulting and single ka naman, hold off on the car dream and stay disciplined in terms of finances muna, unless it becomes essential (more likely to happen if pamilyado ka na, this is when a car can be maximized in terms of use). you can never be too comfortable in this economy if you’re not alta/generational rich.

I was just bored and started comparing random stuff between the Philippines and the US. Didn't expect it to mess with me this much. At first it was normal, like, yeah, of course the US is more expensive. But the more I checked, the more it stopped feeling that way. Food here isn't that cheap anymore, coffee is almost the same, subscriptions are basically the same, gadgets are the same or sometimes even more expensive here. I kept trying to justify it in my head, like, okay, maybe rent is cheaper here, maybe some local food is still affordable. But then I looked at the income difference, and that's where it just felt heavy. Because it's not really about the price being the same, it's about how close the prices are compared to how far the income is. Like, you can say things are cheaper here, and that's technically true, but it doesn't feel cheaper when you think about how long you have to work for it.

If something costs, say, 50–80% of a US price, but the average income here is only a fraction of theirs, the gap becomes pretty hard to ignore.So even if things are “technically cheaper,” they don’t necessarily feel cheaper relative to what people earn.

I’m not saying PH should match US wages, or that this is a simple issue. There are obvious reasons why the economies are different.

Just pointing out why it can feel like everyday costs are catching up faster than income does.

I don't know, it just made me feel like something is off. Like you're trying to live a normal life, not even anything luxurious, but it still feels harder than it should be. Anyway, just wanted to get that out of my head. Maybe I'm overthinking it, or maybe other people feel it too.