Thank you boss! This is so helpful - looking into Spaylater and credit card.
Need help to clear commitments
I wanna help a family member to sort out her debts and finance plan. She was in a poor mental state and made some questionable financial decisions. Currently just started a new part time job while waiting for further her education, getting about RM2.3k basic a month.
Commitments: a. Motorcycle (shop loan) - RM213/month, loan balance RM7500 b. PTPK - RM230/month, loan balance RM21500 (planning to defer payment after she gets into uni) c. Credit card - minimum payment RM150, loan balance RM3000 d. ShopeePay - total RM3000 , range about RM400/month to RM1000 until September
I have a budget of 3-5k to help her for this. My ask is that if I can help her to pay (i’ll ask her to pay me back), which debt should I clear first? Don’t want her to keep adding debt because of the interest. Her payment ability will also reduce once she gets into uni as she will probably not be working.
Thank you all sifu!
putting this out here that i won’t be settling for less anymore!
so nope, not even casual friendship is worth it for you; deleting and blocking your number!
I’m ok to share my number with a guy I’m interested in, but that doesn’t mean I’m comfortable with a phone call huhu
Prefer to text bcs I can take my time to reply and think about the replies. Thought probably wouldn’t mind the phone calls after I feel more comfortable.
yes! i think im a pretty good person haha
my yes:
- a decent photo (with an appearance that i like haha)
- personal photos (just of yourself showing your interest in life)
- comprehensive bios! this can compensate for bad photos haha
my nos:
- no profile photo (eg just meme photo)
- only group photos without one of yourself
- gym photos (this is a very personal dislike)
- sunglasses selfies/mirror selfies
- no bio (shows to me that he’s not very 100% in looking for a steady partner - which is what im usually looking for)
honestly, i only swipe right if i feel i can match my lifestyle with his
Great great, will try this method! Bcs I’m not very close to M28, maybe will get his close colleagues to go along as well!
How do I help matchmake my colleagues?
For context, my teammate (F, 31) is interested to get to know another colleague from a different team (M, 28). The guy is definitely single and doesn’t reject the idea of a relationship (got to know as another teammate helped to ask). FYI, the guy has an introverted personality.
I’m not sure how to help convey my teammate’s feelings to the guy (like help to set a meet up, ask if he’s interested etc), without making it feel awkward for the both of them, should the guy is not interested in my teammate. Any suggestions?
Hiiii, just wanted to know the difficulty level of the hike hahah is it ok for beginners?
I’m so envious! I love plants but they never seem to like my care. Most of them end up dead.
Need to pick up Normal People again, but haven’t had the mood to do so yet
watched Elemental and had a very good day today! hope yall had a pleasant day as well
how do you hint to a potential romantic interest that he’s making cringe comments/unfunny remarks without making him feel upset/insecure about it?
Klang Valley, anywhere near lrt/mrt and has building elevator! also budget is around RM1.2k (which i know is pretty low but :D )