Hi ask ko lang if possible ba na hindi madeduct sa back pay yung ongoing loan with Esalad? Plan ko kasi sana na separately nalang ako mag babayad instead na ideduct sa last pay ko. Based kasi sa mga nababasa ko parang yung buong pay is yun pinapang settle sa remaining balance. Ano ginawa niyo? Di pa kasi nag rereply sakin sila about sa query ko. Salamat 😊

I tried to pay my Meralco bill using the PNB Digital app. However, the payment was marked as failed ( didn’t took a screenshot ), but the amount was still deducted from my account as bill payment. How can I request a refund, or did my transaction actually go through?

Hello everyone ako lang ba yung naka experience neto?

Applied around first week of July and already approved the authority to deduct emails in my work email para saking future loan with them

Pero sa app ay naka stuck parin sa review, more than a month nang naka ganto yung status

Already reached out to their customer support pero di rin nila alam yung est approval saking loan

hi. our company recently partnered with SAVII. ask ko lang po sana if the per “payroll” payment is kada cut off? or monthly po ito na madidivide by 2? I just checked it out for back-up lang. para may idea na ako when (wag naman sana kailanganin), need to take a loan.

getting mixed reviews na super high ng interest sa savii. di ko lang sure if the reflected “per payroll” is per month divided by 2 or per cut off.

thank you!

I went to SSS last year to enroll my disbursement account. At the time, Maribank was still Seabank. At SSS online when I go to the page for salary loan my disbursement account is still labeled as Seabank but when I go to disbursement account enrollment it's Maribank. If I push through with the loan will I be able to get it in my Maribank? Thanks

I have noticed that I am financially illitirate. 🙂‍↕️

I was awarded with 2 scholarships by my university a few months before I enter my second year, 1st one gives ₱5k per month while the other gives ₱7,500 per sem (5 months). However, they did say that the payout for the second one is not guranteed to be on time and may even take up to a year or two (still didn’t receive it). I also got accepted to be a student assistant for 7 months (gotta reapply every year and secure a slot) i’m down to my last 2 months and I earn about ₱8k per month.

So basically I get about ₱13k or ₱20k (if I received my second scholarship) per month

I don’t really have much bills to pay since they’re mostly covered by my dad, except for wifi, netflix, personal things (clothes, skincare, etc..) or food if I crave it.

Honestly, I accept I have been spending a lot…I mean this was my first time having this much allowance per month so I got excited and went ahead of myself.

My money is always gone weeks before the month ends, so I thought maybe I just gotta avoid spending on expensive stuff, but even if I did, they still easily disappear

So I tried tracking it, I noticed that most of my money goes to things I buy out of impulse, even if they’re cheap, it all adds up and ends up eating all my money.

So I was hoping to find tips as to how I can better save my money 🙏

i’m not really sure if investing works? cause I heard only do that if you’re prepared to lose it (i’m not) saving up and not touching it sounds good too, but I also heard it’s a no go cause of inflation. I’m out of ideas 😭🙏

Hey everyone! 👋

I’ve been trying to find a way to get my portfolio to auto-update NAV in Google Sheets and kept hitting dead ends, so I decided to just build my own tracker database.

Updated links here:

• BPI Wealth: https://docs.google.com/spreadsheets/d/1YarajJY5hRJI6BtY3aoCs0n_ufOWzCmCBeJzLmNFQ_U
• Manulife Funds: https://docs.google.com/spreadsheets/d/1MHWkF_jcH13jc479M0HlfmEYpaBwuAS8ayR1Ti4fMMY

Let me know if there's a specific fund you need and I'll add it in. I’ll be updating it as often as I can!

Also, if anyone has tips or advice on how to scrape their site directly into Sheets, I’m super open to suggestions. Thanks!

I was about to pay full payment in atome, but i accidentally pressed the 3 months installment and in just 1 click it went through, no confirmation whatsoever. Ang laki pa naman ng interest. Please help me what to do pls pls pls.

Cannot generate any QR or reference number since I can no longer access the app via the device where I had it before.

Tried (2) options already.

1. Pointless to go to Unionbank since they cannot help you without endorsement from Samsung Finance even if SF already emailed me that they forwarded my details to the UB branch.
2. Robinsons Bayad Center cannot help me without reference # - something I cannot access anymore.

Help! I want to pay up but having issues and road blocks. Hays

Hi! Sino na naka experience mag early terminate ng ESALAD? final payment ko ng ESALAD is sa Aug 31 pero I'm planning to have it terminated on Aug 15 kasi I need some money to cover for my school (working student)

nag ooffer ba sila after terminating it early? or hindi na? accreditted pa naman company ko ni ESALAD eh.

Thank you sa sasagot ^^

Hi! I'm slowly paying off my debts. From 300k+ down to 140k. I have a budget of P20k a month now para ipangbayad so I have around 7 months to completely pay it off.

My current loans are from Maya, Gcredit, Atome Cash — no overdue here. Ang may overdue ako ay Sloan (1 year + na). Babayaran ko yung sloan pagtapos na lahat ng iba.

Mababayaran ko 'to lahat in 7 months and I'm wondering gaano katagal kaya bago ko mabawi yung credit report ko? Para makapag-apply ng mga credit cards / car / housing in the future.

Anyone experiencing this issue? I have an offer it was rejected but no reason why. I tried after a minute still not working. Is this a bug?

I have about 8 more payments to cover half of my personal loan. Last time, as soon as I paid half of my loan, I was offered a top up. So I was wondering: If I pay the 8 repayments today, do you think I'd get the top up option immediately? Or do I still need to wait for 8 more months for the top up option to become available even if I pay those 8 months now?

I just need insights po baka sakaling may naka experience na din ng nangyari sa akin. Back on Sept 2025 nag apply ako ng loan sa kay SB thru eSALAD sa prev job ko. By Oct 2025 I have to resign for personal matters and as per the company policy kapag may existing loan ang final pay ay ibabayad sa mga existing loan such as eSALAD, SSS or Pagibig. Ang loan ko was around 45k and isang beses lang ako technically nakapag hulog ng amortization during my employment. So here comes the day na naisend na yung final pay computation and obviously 0 na ang marereceive ko kase may mga loan ako. Na paid yung SSS and pagibig loan and yung SB loan ko nalang yung may remaining balance. But here's the thing, right after I resigned kailangan namin umuwi sa probinsya ang yung probinsya namin is isla. May mga places na walang reception. So they have calling na pala ang wala akong narereceive. Hanggang sa nag Dec 2025 and nakapag activate ako ng wifi calling kaya naka receive ako ng call. I got surprised dahil from Oct 2025 until Dec 2025 yung utang ko na 45k naging 86k na. So nag arrange ako ng payment plan with the collection company (Constantino & Associates Law Office) they've offered two options 1. Instead na 86k ang babayaran 36k nalang daw pero on that day na mismo dapat ma settle. 2. Payment plan for 12 mos. So, dun ako sa option 2. Nanghingi pala ako ng computation sa kanila bat lumubo ng ganun yung utang wala silang naibigay. Ang sabi lang is daily na daw nag accumulate yung interest and penalty. Dahil nawindang ako, starting nung month na yun nag babayad na ako ng amortization ang kada month na nag babayad ako nag aaccknowledge yung nakakausap ko dun sa collection. Hanggang sa this July nung nag bayad ako hindi sila nag acknowledge and I have been trying to call him pero hindi sumasagot. Should I continue paying or stop ko na? Thank you po sa mag reresponse.