@kingofreview 9 February 2026

Fortunately, I’ve already paid my installment for February. For installment payments, I prefer using GoTyme since they give extra points whenever you deposit. On the other hand, I use SPayLater to pay our bills. My main reason for taking a loan instead of paying in cash is that I can use coins to reduce our bills. Plus, I can put them on a three-month installment with zero interest. If I keep my cash in GoTyme for three months, I can earn monthly interest instead. On top of that, I also get points when I pay through installments. Currently, I’m trying to circulate my money on TikTok by gambling on random items to purchase and promote. I always tell my mom and siblings that it’s wiser to gamble money on buying random items and pitching them to your audience than spending it on scatter. So far, I’m glad that some of my videos have gained sales, while others are still finding the right audience. I think two of the items I’m actively promoting aren’t that important in daily life, yet they still get good engagement. I just need to push them further and try other products to promote. Even though I haven’t gotten my money back from those items yet, the most important thing is that I can promote them anytime. Good morning!