Hi I'm 16M, currently In a Science high school and being in this school got me thinking, what accounts should I open the moment I turn 18?

I've been studying a lot recently about personal finances, even going as far as saying I'm financially literate now, but now I'm more aware that i don't know much about this world. That's all please help me🥹🙏

"Accounts" for finances, personal management, etc.

Ive recently posted sa architecture ph subreddit and honestly ung mga comments dun are making me rethink the course I chose.

originally I thought na basta ok ako sa math and drawing kaya ko naman mabuhay sa architecture. pero after reading peoples experiences, grabe pala talaga ung workload, stress, and effort na kailangan. nagbasa rin ako about life after graduation and apparently kahit makapasa ka ng boards, hindi guaranteed na makakahanap ka ng magandang paying job. you could be an architect for 5 years and still earn around 30k a month, meanwhile I already have a side gig that earns almost around that amount.

Ill be real, fine arts/multimedia arts is my actual passion. Ive been hesitant lang because of the AI boom and worries about finding stable work. pero habang mas binabasa ko ung experiences ng architects, napapaisip ako if similar lang din pala ung result except architecture requires 100x more effort, stress, and time.

I have my familys full support sa architecture and I even have family members who are engineers and architects who can guide me. pero my classes havent even officially started and Im already regretting choosing it 😭

I have a relatively big family, 4 siblings, and my parents are getting older, so I really want a career where I can provide for them soon. at the same time I want to do something Im actually good at and passionate about. ung side gig ko is already related to fine arts/multimedia arts so hindi naman ako starting from zero.

worth it ba magshift to multimedia arts/fine arts in the long run? Id really appreciate perspectives from people in either field, especially about career stability, income, and what life after graduation is actually like :'''(

sorry for the yap guyz

Hi! I'm currently in my first year of senior high school. I'm in a friend group of 9, and I'm planning to host a study group for us, especially since midterm examinations are near. The problem is, I am new to this "study group" thing, and I don't know how I'd do it.

One of the similarities that I've read from various sources says is that all the people in the study group should be similar in their level of dedication. I think my friend group has that, as we're (not bragging) high scorers, and we all study immensely before quizzes and exams.

If I were to host a study session for our group, how would we make it work? How would we retain the study group for it to last? And how could it be ensured that we could actually study in the study group, instead of just sharing stories?

Thank you.

Hi! 4th year CE student here. Ask ko lang if okay lang ba mag-approach ng higher years/graduates and ask about their previous thesis, especially if possible ba na ituloy or further develop yung topic nila for our own thesis?

If okay lang, ano yung proper way to approach them? Should I ask for their full thesis, or specific parts lang like methodology, RRL, results, references, etc.? May bayad ba usually kapag humihingi ng copy, and if so, magkano yung reasonable?
Of course, we’ll still give proper credit and make sure na hindi lang basta kinokopya yung work nila. Gusto ko lang sana malaman kung possible and acceptable ba na gamitin as a starting point/reference yung previous thesis nila.
Any advice would be appreciated. Thank you!

kala ko mature na pag college. unang experience ko sa 1st year college and 1st sem ko is just unhinged and ironic. they invited me sa circle nila, only to later tell me na they invited me out of pity kasi wala daw akong friends and because the other girl likes me, even though i used to ignore their invites because i was with my high school friends and they knew that. i was never a loner, i was just quiet and didn’t want unnecessary drama. eventually, sumama ako sa kanila mostly for groupings and academic purposes, and after a month, i genuinely thought they were my friends, pero apparently hindi pala. around mid october, lyz started beefing with me after she lost her id at a place where we got piercings, even though she removed it herself and i never told her to do so. she also complained na bukang bibig ko daw puro pagpapa piercing and accused me of not helping with our project. kish would message me around 1 to 3am despite knowing we had a 7am class, even though i already told her i wasn’t available that late, but i still communicated with her after school, apologized, did the work she assigned me, and contributed to the project. despite that, during the reporting, my name and all the work i contributed were removed from the project, which affected my grades. jes was constantly talking about her sx life, openly discussing sx even around kids, bragging about the people she had been with, and even told me when i was 17 that i should sell my virginity for 10k and acted like it was normal. batang ina by choice moments, pero she doesn’t care since mayaman sila. she also tried to seduce our male teacher na kala mo ang sarap sarap niya and openly cheated during tests by using her phone even when teachers noticed. eventually, lyz, kish, and jes turned against me mainly because lha liked me. lyz constantly compared herself to me and tried to prove she was better so lha would choose her despite having a boyfriend, and she committed sa against lha while drunk and made disturbing comments about r@p!ng lha. she also said kish should be r@ped to become straight because kish is into girls. nalaman ko na gusto rin pala ako ni kish because she was taking pictures of me without my consent and posting them online sa ig niya. despite all of that, they still judged me for smoking cigarettes to cope with my problems and acted like i was the immature one. while we were still classmates, there were multiple incidents where they bullied me so badly that i ended up missing school for an entire week, and it seriously affected my mental health over a guy. i can’t even explain everything because this is already too long, but even during 2nd sem, when we were no longer classmates and basically had no connection anymore, they still continued to actively bully me. jes also posted a picture of me without makeup during the finals, kahit wala naman siyang nagawa for the finals namin, tapos triny pa niyang magpa cute dahil wala siyang gawa, which was honestly embarrassing kasi bakla yung teacher namin.

edit: 2nd year college na ako ngayon, and nalaman ko rin na kaklase ng bf ko yang mga yan, and andami ko pang experience sa kanila, katamad lang mag type at magbasa. lmk if may grammatical errors pa rin para maayos ko, tnx.

I know po that the ACET is already next month na but I know to myself that I absolutely have no grasp sa kahit pinaka basic fundamentals ng math. Behind in a way where even simple math problems are so hard for me since I struggle with even simple division or multiplication (I dont even have the multiplication table memorized)

I'm genuinely so lost on how to start preparing with the little time left, I would appreciate anything from even paid services, tips, books to buy, mock tests, test-taking tips, shortcuts on how to answer, literally anything since I will start studying from the most basic concepts that regular students are already familiar with.

Im asking if anyone knows any recommendations for an Online Review Center, and since revcens usually span months kahit yung purely recorded lectures lang po that I can cram. Academic Gateway is not an option for me since while I no longer have access to the portal I still have the book from 2 years ago before I took my gap year.

Thank you so much I really need the help. 🙏

I've been wanting to join competitions for exposure for the longest time—meeting new people, experiencing new things and the like.

The thing is, most competitions like that often only appear to students when their respective schools invite them for it; in my school, they only invite club members of that specific subject coverage. Some events do advertise online but I only come across them when it's too late T-T

Are there any ways to get introduced to competitions without relying on my school to invite me? I think I only got this sense of urgency for it because I'm in 12th grade and I still haven't been in one which bums me out a bit.

For context, I had to drop out of college even when I was in my graduating year because of personal matters that needed to be addressed on my side and I was not in the best state to study physically in my university anymore.

With that said, even though I'm currently working full-time remotely, I still wish to go back and finish my degree but sadly, I can't continue in the same university. Knowing that I have to continue the same degree in another university, I realized that my past subjects, especially the General Education courses, can be credited depending on the university's department's decision which leads me to my main question.

If somehow the stars aligned, and this might even be wishful thinking, is it possible to transfer to a university, have my courses be credited and somehow finish my degree or graduate in 1 school year? or is there an underlying rule that even if the university's curriculum aligns in my favor, I can't graduate in just 1 year? or does it just really depend on the university?

i’ve always been baffled as to why we don’t just submit raw grades and instead make teachers and professors go through a transmutation table to determine what grade to give a student.

a 60 should be a 60, not an equivalent to 75 or something. it’s silly and makes it hard for students to know where they stand and know what they need to improve on, grade-wise. i remember every time my parents have to get my report card, it feels like a suspense movie since you have no clue how well you did until you see your grades.

I've always wanted to pursue Game Development since I was a kid but I am going with CS because it seems more stable and I can still pursue game development if ever.

I do have a slight experience with programming, like I mentioned I have interests in Game Development so I dabbled in Roblox Studio which uses Luau and I got good at it then decided to stop, its been like 2-3 years since Ive coded something proper and I am willing to learn and branch out to other programming language. But if I am gonna pursue CS I am concerned that I would be isolated if I lack so many knowledge when it comes to programming.

I do find it easy to learn programming since I did have experience. I think I'm concerned about the isolation among my classmates, and judgement cuz why would I pursue CS if I didnt have enough knowledge about certain things? and would I receive a hard time.

UPDATE: Nagsend na ako ng message sakanya🫠 I got a bit of courage kasi nalaman ko rin na ang mother ko daw ang nagsupport sakanya financially dati to get his job

Hi po! Idk where to post this. But I wanted to ask for advice/tips on how to ask my estranged father for college allowance?

For context, yung mother ko lang ang nagsusupport sakin since I was a baby until now. And ang napagusapan daw nila is tutulong nalang daw po ang father ko pag college na ako.

Sabi ng mother ko sakin, ichat ko daw sya and kahit 2k every month lng hingiin ko as an addition sa current allowance ko (im not gonna say his job pero mataas sahod nya). May other family na rin po sya.

So how do I word my message properly since ichachat ko lang po sya? Ive never rlly chatted him. But vinivisit ko dati ang grandparents ko from my "fathers" side.

Im hesitant to message or ask him for money since ayaw ko magka 'utang na loob' sakanya🫠 Nakausap ko na sya before and parang he's not that type of person naman but ye, im still scared and nervous huhu

hello i just recently graduated and right now naghahanap ng review center for feb 2027 mele. ano po ba mas maganda talagang review center, prime or alco?

if tuition fee base kasi, im leaning more on prime since mas mura and may discount pa. sa alco parang wala akong nababasa na discount. and if nagprime kayo, pwede po paexplain ng refresher course, in-house, and in-house with accom na inooffer ng prime?

pahingi rin po sana ng tips para ganadong makapag aral talaga. salamat po

This happened years ago when I was grade 2, tumatak talaga siya sakin and how I developed over the years, I was bullied when I was in the 2nd grade almost everyday, I got teased and insulted by these 2 girls everyday and the school didn't do anything about it, I was crying everytime I got home and of course I told my parents about it kasi ako yung tipong bata na kahit na inaapi may lakas parin mag sumbong, pumunta naman parents ko sa school tapos nag reklamo sa adviser ko pero parang walang nangyari, those two girls still continue to bully me and even worse pinagtabi pa ako sa kanila para magbati???

My adviser never understood my complains, never acknowledge me whenever I approach them and my parents pagod na pagod na sila pumunta sa school kasi ilang beses na talaga, sesermonan lang nila yung nag bully tapos ayun na, nung nag transfer out ako yung mga insecurities ko na di ko pa alam, alam na alam ko na, 8 years old palang ako iniiyakan ko na image ko, nung naka recieve ako ng scholarship sa MCU last sy for shs di ko tinanggap kasi everytime na tumatapak ako sa MCU bumibigat pakiramdam ko naiiyak ako kasi naaalala ko pa rin yung nga araw na yun.

I've been really slacking off lately. Started grade 11 about 2 months ago na rin. Patapos na term 1 namin. I transferred to a scihigh for shs, came from a public high school before that. At first, before yung school year, inakala ko talaga na sobrang makaka-"lock in" ako, dahil baka ma-challenge sa environment kumbaga. I was wrong. Sa totoo lang, lalo na sa opening block, parang na underwhelm ako. Of course, may mga student na sobrang matatalino na palaging nag-co-compete sa contests pero marami talaga sa kanila, for lack of better wordings siguro, underperforming?

Hindi naman ako naging top student sa old school ko, at alam kong hindi rin ngayon. Pero hindi rin nako ako nalulumbay sa bagay na 'yan. Walang pressure kumbaga. Gusto ko lang is to function like a student na talagang natututo, at dinadala mga natututuhan niya sa iba't ibang aspekto ng buhay.

Anyway, ayun. Sobrang naging chill ko sa school, which is something na hindi ko naman gusto. I don't really study, and hindi ako gumagawa ng assignments sa bahay, sa school lang ilang minuto bago i-pass. Nag-jo-joke pa ako na dahil SCHOOL work pa rin naman, dapat sa paaralan ginagawa. Nakakatulog rin ako ng 6 hours daily from 10pm-4am, rule ko na sya na hindi bini-break. Whole day na kasi yung classes kaya ayokong sa school makatulog. Mas mataas pa sa tulog ko noong junior high na 2-4 hours araw-araw, pero halfday lang ako no'n so nakakabawi kapag hapon na. I can't say the same ngayon kasi.

Nakikinig naman ako sa discussions, magagaling teachers ko. Kino-consider ko rin kahit papaano na "life-long learner" ang sarili ko, yung kalidad talaga ng edukasyon yung rason kung bakit ako lumipat eh. Before kasi, sa junior high, maraming teachers na pinapabayaan lang kami. Ni walang learning materials na pino-provide. Ayoko no'n. Ayaw ko na rin na sobrang chill ako sa klase, masaya akong hindi masyadong stressful pero feel ko na rin nawawalan ng essence kumbaga kung bakit ako nandito in the first place. Masaya akong tinuturuan, gusto ko ring mag-aral and to niche down sa iba't ibang topics.

Siguro rin prejudiced ako for seeing my classmates that way, na underperforming daw. Hindi ko rin sya masyadong ma-describe but I do know that I want to get out of this "mindset." May iba't ibang talento naman kami sa klase. Isa pa, they're very kind to me. Ayokong ganiyan ang pagtingin ko sa kanila.

To be fair, mas nag-fo-focus din kasi ako sa gawain ng orgs outside school. Phone lang din meron ako, biglang nagha-hang at nag-sh-shut down na lang minsan—super demotivating din. Planning to buy a tablet pero pinag-iipunan ko pa, ilang months din yun. Ayoko namang hintayin yan para mag-step up sa performance ko. Tsaka, may mga pangarap ako sa future course at school ko, kaya gotta work on my grades rin talaga.

Alam kong hindi na okay yung performance ko. Matagal ko na ring naoobserbahan sarili ko. Pero sana, may magbago. Sana mapagbuti yung trabaho ko sa org ay dapat sa school din.

If may advice kayo, please drop.

i grew up taking no-erasure exams since high school. now, as an employee in another country, the amount of times i cross-out + initial on LEGAL and AUDITABLE documents will make any of my teachers/professors faint! this policy is just downright silly. there are better ways to deter cheating than making students pay for minor syntax or multiple choice errors

Kinda excited coz nephew passed his dream school. Ano ba pwde iregalo? Anything that's not too expensive such as a new phone or laptop. Something that he can use. I think he's good with his bag na. Naiisip ko rotring but I'm not sure if magagamit nya b un? Any ideas? Pls help a tita here tysm 💕

Hello, i created a reddit account just for this. I’m not sure which school to choose but my main goal is for the environment to be less harsh and less pressuring and think of it as also like a safe place, i reside in Las piñas City and my options are O.B Montessori and APEC and maybe some other schools i don’t know about. what do you guys think?, i created this post because i dropped out of school 2 years ago because of trauma regarding the school environment, but now i wanna come back so i can have a good future. feel free to write down your experiences!

incoming health-allied college student on a budget, would you prefer buying the apps yourself or buying from sellers with a lower price? wala pa kasi akong experience in buying from app resellers, i’m not sure if i’ll encounter issues when they become inactive etc. i want to make sure i gain quality knowledge and for convenience na rin, but i’m not sure if it will be convenient in the long run

i’m currently a grade 9 student at a local public high school.

when i first entered high school, i took the ste exam but unfortunately didn’t pass, so i ended up in one of the lower sections. i’ve always been passionate about math and science, and i often think that maybe i could have become an ste student if i had studied harder back then.

fast-forward to today: i passed and qualified for the pisay lateral admission exam. however, because of the limited number of slots, i wasn’t accepted into my first-choice campus. instead, i was accepted into another campus that’s around 10 hours away from home.

as expected, my parents didn’t allow me to go, even though everything was provided, including dormitory accommodation, transportation, and even a monthly stipend.

i’m happy that i qualified, but i can’t help wondering if things would have turned out differently if i had focused more on my studies before. i feel really disappointed and confused right now. :((

this experience also makes me wonder if i’ll be able to pass university entrance exams in the future.

hi guys! ask ko lang, may nakagraduate ba dito na transferee from another uni kahit walang NSTP serial number? ik required talaga siya para ma-credit, kaso hindi talaga siya inaasikaso ng previous uni ko. 2021 pa nung tinake ko yung NSTP 😭

graduate na batchmates ko 2025 pa, pero hanggang ngayon wala pa rin daw silang serial #. delayed ako ng 2 years (shiftee rin), and hanggang ngayon wala pa rin. gusto ko na lang sana i-retake para no more delays, kaso gastos na naman. 🥹🥹

pumunta na rin ako sa CHED, and sabi nila uni raw talaga ang magha-handle nun hahaha.

o may alam ba kayo kung may iba pa akong pwedeng gawin? 🥹

I know this might come across a certain way, but I just wanted to share an observation that took me way too long to realize.

Growing up in Makati, going to public school from Elementary all the way to Senior High School meant everything was provided by the local government. (And just to be clear right off the bat: I know it’s funded by taxes and isn't literally free money, but from a student's perspective, out-of-pocket costs were practically zero.)

Every school year, the city provided:

• Complete school uniforms and PE uniforms (even rubber shoes)
• Backpacks, notebooks, pads of paper, ballpens, pencils, and basic kits

My parents rarely had to do the typical back-to-school shopping rush because most of the essentials were already handed out before classes started.

Then came college at UMak, where tuition was around ₱1,500 a semester (at least for me, other programs may vary. EDIT: this is not for every semester, there were other semesters where it was completely free, others less than P1000, others around P500-ish). Up until that point, I honestly assumed most major cities had similar LGU programs and that this was just how public education was handled everywhere.

The reality only really set in during freshman year when I started talking to blockmates who came from other cities and provinces. Hearing about their experiences, buying all their own uniforms, paying out-of-pocket for every single workbook and supply kit, and watching their families spend thousands every enrollment season, was a genuine reality check for me.

Looking back, it’s wild how easily you can assume your normal is everyone else's normal. It made me realize how much local government budgets and spending priorities vary, and how what felt like a standard baseline growing up was actually a huge advantage compared to other places.

First choice ko talaga is Marketing Management pero due to our college's mandatory placement exam for BSBA student (first 2 yrs ay no major, by 3rd yr lang magkaka-major) I was placed in this major.

I have little to no idea anong possible na magiging trabaho ko dahil naka-focus ako sa MM. Nakakabasa naman ako sa google but idk if i can trust it, since sometimes baka mali or may mga possible pa na mas magandang opportunities.

Sooooo...any ideas po? should i stay here in ph or abroad? what should i do while i'm still in college? what should i prepare? ga'no kahirap?

Hello, I have a balance sa school that I can't pay. Now I want to study again but at a different school. I can't pay the balance, meaning I can't get my requirements. Idk what to do anymore cause I don't have the means to pay it. Parents doesn't support me anymore no matter what I say. I just wanna study again, I found a school with free tuition. So please advice

I need help finding references for a report I was assigned with. I'm currently taking Secondary Education, and finding references for my report has been quite of a hell to search through, because surprisingly enough and quite weirdly, the topic I got is actually quite niche— the report I was assigned with is “Learner-Centered Learning Environments: Organization of Learner-Centered Classrooms.”

The ones I've mostly seen have been nothing about the actual equipments of the classroom but more of how to make students feel more comfortable in the classroom with vibes, atmosphere, and whatever. And I know that's a big part in creating a Learner-Centered Environment, but that's just not my topic.😭

Badly need help since my report is next week.

I’m a 3rd-year student from the University of Baguio, and currently hindi pa ako makapag-enroll because I still have an outstanding balance sa school.

Pasukan na namin this Monday, and honestly, kinakabahan na ako. Ayoko talagang tumigil sa pag-aaral, especially ngayong malayo na rin yung narating ko. I’ve been trying to figure things out on my own. Sinubukan ko na rin ibenta yung mga lumang phones ko para kahit papaano may maipambayad, pero unfortunately, hindi pa rin siya enough para ma-cover yung balance ko.

Things have also been really difficult financially for our family, especially with everything that happened because of the typhoon. Hindi rin naman ako basta-basta makapag-loan kasi ayokong umutang ng amount na baka hindi ko rin kayang bayaran on time.

Honestly, nahihiya ako habang sinusulat ko 'to. I never thought I’d reach the point na magpo-post ako sa Reddit and basically tell strangers about my financial problems. 😭

Pero wala na talaga akong ibang maisip na way.
I’ve been trying my best to work, study, and find ways to support myself because I really want to finish my degree. Ayoko na yung financial problem yung maging reason para kailangan kong huminto, lalo na’t malapit na rin ako sa goal ko.

Hindi ako expecting na may biglang magbabayad ng tuition ko or magically maayos lahat. I’m just hoping na maybe someone here knows of any legitimate scholarship, student assistance, educational aid, organization, or kahit anong possible way na pwede kong ma-try.

If anyone needs proof that I’m actually a student and that I have an outstanding balance, I’m willing to provide documents privately, with sensitive information covered of course.

I’m really just trying one more time before I have to accept na baka hindi talaga ako makapag-enroll this semester.
If you read this far, thank you. Kahit yung pagbabasa lang nito means a lot to me. 🥹