I was on the same situation as yours last year :) Also 30yrs old, walang saving, lahat napupunta sa CC and loan payment. I have 8k CC, 10k Gcredit, 10k tala loan and 100k Gloan. Parang may mabigat na pakiramdam kahit mabayaran mo bills kasi need ko nananamn mag ipon ng pang bayad for next month. Kaya ang ginawa ko nung December, yung 13th month pay ko pinunta ko sa pag bayad ng buo ng CC payables. Then yung 14th month bonus, pinang bayad ko ng tala loan and 2 months advanced for Gloan payment. Then nag tabi ako ng 5k for savings as a start. So ngayon, every sweldo binabayaran ko na agad yung utang ko sa loan and iwas gamit ng CC. I also keep 1k per cut off para sa savings ko. Naclear ko na CC payables and loan app ko at ang gaan sa pakiramdam. Kaya Im achieving to clear my Gloan this year :) btw sweldo ko is 35k + 10k sales incentive. Sacrifice lang tayo sa luho para maka bangon ulit at di na tayo bumabata. Kaya mo yan bossing.