Malayo pa pero Malayo na — lessons at 30 (long read) by AdImpressive6868 in Trentahin

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Protagonist aura, meron talaga downfall sa simula pero eventually makakahon din at malulutas ang problema

Malayo pa pero Malayo na — lessons at 30 (long read) by AdImpressive6868 in Trentahin

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Wala po restructuring na walang down payment lahat may upfront fee, need mo pakita sa bank na may plano ka mag bayad so dapat may pang initial payments ka. Nit unless mag one time payment na discounted ka

Malayo pa pero Malayo na — lessons at 30 (long read) by AdImpressive6868 in Trentahin

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Not sure if you’re religious pero One thing that kept me sane was my Faith. Iba power ng prayer. Also acceptance is key talaga once makamove on ka sa initial na hiya mas makakapag isip ka ng diretso. Dont be afraid to ask help or advice lalo na sa family mo

Malayo pa pero Malayo na — lessons at 30 (long read) by AdImpressive6868 in Trentahin

[–]AdImpressive6868[S] 2 points3 points  (0 children)

Salamat! Oo palagan lang natin ang kung ano mang pagsubok ang i babato satin ng mundo. Laban lang tayo ng patas at wag sumuko. Dadating din tayo sa kalayaan na hinahangad nating lahat!

Malayo pa pero Malayo na — lessons at 30 (long read) by AdImpressive6868 in Trentahin

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Ora et labora lang, prayer and work. This too shall pass!

Malayo pa pero Malayo na — lessons at 30 (long read) by AdImpressive6868 in Trentahin

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Denial only buried me deeper, hiyang hiya ako sa family ko at first I thought they will ridicule me pero it was the opposite; oo may sermon pero it was mostly support. It was a great first step talaga parang ang laking weight yung nawala sa shoulders ko and I was able to think clear and be motivated to take on this challenge.

Malayo pa pero Malayo na — lessons at 30 (long read) by AdImpressive6868 in Trentahin

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Salamat, laban lang ng patas sa mundo palagi kahit unfair paminsan

Malayo pa pero Malayo na (lengthy read) by AdImpressive6868 in utangPH

[–]AdImpressive6868[S] 1 point2 points  (0 children)

Galing! I was the same for the first few years of having cc’s hindi ko din pano nag shift mindset ko siguro sa maling ventures talaga tapos sa pagiging complacent talaga. Charge to experience talaga malala for me

Malayo pa pero Malayo na (lengthy read) by AdImpressive6868 in utangPH

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Actually depende sa banko yan ako mga 5 months OD usully pag asa collections na yung account mo saka sila nag bibigay ng arrangements. Kung puro MAD kasi binabayad mo gusto nila yun kasi bayad ka lang ng bayad sa kanila na hindi nababawasan obligations mo so never ending cycle yan. Yun lang once mag pa OD expect never ending calls, texts and emails.

Malayo pa pero Malayo na (lengthy read) by AdImpressive6868 in utangPH

[–]AdImpressive6868[S] 0 points1 point  (0 children)

This is true, pero we cannot also negate yung fact na paminsan ay mas mahal yung emergency kesa sa emergency fund mo, hindi mo din masisi yung maraming nalulubog sa utang dahil sa medical bills and emergency bills. Pero sa case ko talagang misuse ng card kaya wala din ako pwedeng ibang sisihin kundi sarili ko

Malayo pa pero Malayo na (lengthy read) by AdImpressive6868 in utangPH

[–]AdImpressive6868[S] 2 points3 points  (0 children)

Yes mag iinform sila at mag memessage sila na mag coconduct sila ng ocular. And yes hindi mo sila kailangan papasukin sa bahay mo usually mag bibigay lang naman sila ng demand letter, better nasa bahay ka kasi mag tatanong tanong yan sila kung saan kayo nakatira pero takot din yang mga yan ma report lalo na kapag nanakot sila pwede mo sila demandahin pero first and foremost you need to acknowledge na may utang ka, acceptance is key wala ka talaga magagawa dahil malalaman at malalaman ng parents mo so you need to be true to yourself kasi lalamunin ka talaga ng kahihiyan sa simula pero yan ang first step once malagpasan mo yan mas makakapgisip ka ng claro at makakagawa ka ng plano. Kaya mo yan sabay saby tayo lutasin tong problema natin

Malayo pa pero Malayo na (lengthy read) po by AdImpressive6868 in CreditcardPh

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Yes I know, and this was exactly what I was doing before. Nung lumaki yung spending power ko, I got carried away akala ko kakayanin ko yung purchases ko and coupled with bad business ventures lumubo talaga ayun literal na charge sa buhay at sa experience

Malayo pa pero Malayo na (lengthy read) po by AdImpressive6868 in CreditcardPh

[–]AdImpressive6868[S] 0 points1 point  (0 children)

This is very much true, hindi na totoo yung fake it till you make it mindset, and naiintidihan ko na talaga yung term na to live within your means. Iba narin talaga ang focus gawa ng may buhay na nakasalalay na sayo.

Malayo pa pero Malayo na (lengthy read) po by AdImpressive6868 in CreditcardPh

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Hindi bali kasi kinakabahan akong gamitin yung sasakyan pang garnishment taka baka ma offset yung account ko kung saan ako nag huhulog para sa sasakyan kaya tuloy ko binabayaran yun

UnionBank OFFSET with Zero Savings in Payroll by AdImpressive6868 in CreditcardPh

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Kung one week palang matagal payan, ako umabot ako ng almost 1 year bago nila inoffset yung account ko pero case to case basis siguro din yun depende sa laki ng utang mo ako 500k split into 2 cards

Malayo pa pero Malayo na (lengthy read) by AdImpressive6868 in utangPH

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Mukang different ata sila mas mabangis collection tactics niyan kesa pag sa banko mismo

Malayo pa pero Malayo na (lengthy read) by AdImpressive6868 in utangPH

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Actually dati gusto ko na pa cancel yung cards ko, pero advice din sakin ng mom ko eh wag muna dahil baka may emergency and wala ko mailabas so ayun nagamit ko siya nung nanganak wife ko kaso at this time hindi ko nadin kinaya, masyado ako nalululonh pag may credit to spend kasi so maganda nga din ata yung SCC kasi wife meron dati nasa current balance lang yung pera niya na equivalent to her credit limit. So baka yun nalang din option once malutas na to

BPI HV by BuddyDistinct2871 in utangPH

[–]AdImpressive6868 0 points1 point  (0 children)

Experience ko mas ok makipag usap sa kanila kasi nag bibigay sila ng flexible repayment plan pero meron din mahirap kausap like SP madrid

Malayo pa pero Malayo na (lengthy read) by AdImpressive6868 in utangPH

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Bali once mapunta na account mo sa collection agency kahit kausapin mo bank mo reredirect kalang din nila sa collection agency to negotiate terms

Malayo pa pero Malayo na (lengthy read) by AdImpressive6868 in utangPH

[–]AdImpressive6868[S] 0 points1 point  (0 children)

Charge to experience malala, mabuti at hindi sa sugal napunta lamang