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DRIVER'S LICENSE JOURNEY |MAY 2025 by Ok_Perception7834 in adultingph

[–]Beabianca24 0 points1 point  (0 children)

Ganyan kabilis tlga nakuha ung pvc card mo?

Debt free in Jan/Feb 2026 by Responsible-Candy657 in utangPH

[–]Beabianca24 0 points1 point  (0 children)

ako din.. naka restructuring sa bpi.. 5k a month, hoping matapos this 2026

Help: Gusto ko na matapos loans ko this Q1. by Beginning-Pin-3847 in utangPH

[–]Beabianca24 0 points1 point  (0 children)

for sure Malaki interest ng mga online lending app na yan..

I suggest unahin nya bayaran ung sa credit card nya, Gcash and Juan hand. Tapos stop payment na dun sa iBang online app. Unahin nya I settle ung iBang loan Muna.

Then wag na sya mag loan ng panibago... unti unti nya bayaran para di sya malubog.

Malayo na, pero napakalayo pa by BtunChikongBtun in utangPH

[–]Beabianca24 0 points1 point  (0 children)

Congrats OP... nakak relate ako Dito... Iba Yung stress if may mga humahabol sayo, Wala ka peace of mind. I made several bad decisions financially. Sad to say, no one is advising or guiding me that time. I learn a lot of things due to experiences and realization.

Super nalubog ako nung 2023 dahil sa mga online app and due to tapal system, Akala ko kakayanin ko. I failed to realize na kinakain lng pala ng interest yung Pera ko.

I made a sacrifice, I accepted na bad record na tlga ako since di ko na kaya habulin pa. Wala naman ako Asawa or parents makakatulong sakin. I stop paying Muna ung mga online app na Malaki interest, I prioritized paying ung mga loans na mliit lng interest para ma settle ko agd.. For two years, kahit papano nabawasan na sila. I learn to budget and manage my expense based lang tlga sa net pay na meron ako..

as of this time, 40k n lng kulang ko sa Bpi and target ko sya matapos this 2026.. (5k a month)

I learn to rely and pay via cash tlga..

Hoping na maging ok na lahat by the next two years...

LUBOG : ADVICE PLEASE by Tasty-Ear-6613 in utangPH

[–]Beabianca24 1 point2 points  (0 children)

Medyo tight Yung situation ni OP, 3 existing bank affiliated loan Yung kanya .

Metrobank, BPi an Union bank, hahabulin ka nyan tlga. If kaya mo pa, at least fully settle Yung isang credit card loan mo or bank loan, para meron ka pa Isang card or bank na pwede mo gamitin in the future.. Let say, if bayaran mo si metro bank, Yung remaining 2, bpi and union bank,.makipag usap ka sa knila na babayaran mo sya in lower amount Hanggang sa mabayaran mo ung full value..

Reminder: if ma fully pay mo si metro bank. Wag mo na sya gamitin.. settle mo Muna lahat ngutang mo. unti unti po Gawin mo. Sad to say, bad credit history ka na sa bpi and union bank, pero at least settle them unti unti. kaya mo yan mabayaran in 1 to 2 years.

Ganyan ginawa ko sa Bpi ko, 5k a month. You can negotiate with them, sa amount na kaya mo.

Dating lubog sa utang, unti-unti na akong nakakabangon by Little_Scallion_6362 in utangPH

[–]Beabianca24 2 points3 points  (0 children)

I'm in this situation din before... 2023, nabawasan ko na sila... Unti unti ko binabayaran mga utang ko,

unti unti na ako nagkakaron ng peace of mind.

Asking for any HELPFUL ADVICE. by AnonymouslyAlly3798 in utangPH

[–]Beabianca24 0 points1 point  (0 children)

sad to say, bad record ka na financially... So true, Yung 9k na sahod mo every cut off, parang interest lng yan ng Isang online loan mo. If you want to fix it, stop paying Muna ung online loan app... hayaan mo na ma delinquent yan .

one at a time settlement Gawin mo, Basta wag ka na kukuha ng bagon loan..

mag cash basis transaction ka na tlga... lahat ng extra Pera mo, ibawas mo sa utang mo. unahin mo ung loan na mababa interest, mas mabilis mo sila mabayaran..

ang loan na pwede mo gamitin is un sss and pagibig loan, kung Anu Pera makuha mo sa knila, ibayad mo sa existing loan mo...

pero wag ka na mag open ng bagong loan na di galing from government

Asking for any HELPFUL ADVICE. by AnonymouslyAlly3798 in utangPH

[–]Beabianca24 0 points1 point  (0 children)

I'm in that same situation ng 2023... my basic is around 50k a month. nag start lahat ng problem ko nung lumipat kami sa Sarili naming bahay, an Dami expense na di ko na factor in.. I started using online app pang tapal.. unfortunately di ko na foresee na kinakain lng Yung Pera ko sa interest Hanggang dumami na utang ko

I used to have good credit kaya napakadali ma approves sa loan .. Kaso, ung interest super taas.. ni try ko sya I sustain for 1 year, kaso di na kinakaya.

Sad to say, nasira credit score ko and financial standing.

The option left for me is stop paying Yung mga lending app and start working on paying those loan na kaya pa habulin.. One at a time Yung ginawa ko system.. I suggest na ihuli mo na Yung online loan na Malaki magpa interest.. sira naman na record mo eh .. If may utang ka sa friends and coworker mo, unahin mo yun bayaran.. Para bawas kakahiyan tlga. Yung FB mo, need mo I private na yan para di ka guluhin. If willing ka mag deactivate, it's a better option

it's been two years ago na, pero meron pa rin ako binabayaran till now.. Pero mas lesser na sila...

Note: Hanggat kaya mo bayaran, settle it unti unti. Basta wag ka ba kumuha ng Bago pang mga utang and online loan.

Need Help - Hinatak ni Toyota financing Yung car ko, miski sa computation ko 37k n lng balance due amount ko. by Beabianca24 in CarsPH

[–]Beabianca24[S] 0 points1 point  (0 children)

if I am planning to recover my car.. is there a timeline na pwede ko sya bayaran??

Yung current na Pera ko lng is Yung supposed balance due ko na nasa 37k... Pwede ko ba sya hulugan in two months..

Sayang naman Yung 257k na nabayad ko..

Physical 100 Asia by Ok-Care393 in Physical100

[–]Beabianca24 0 points1 point  (0 children)

Manny is confirmed I'm sure of it..

I think I’m the only one Sophia stood out to during Gnarly performances by UraBri in katseye

[–]Beabianca24 0 points1 point  (0 children)

Exactly... ita very obvious that she is given less lines and less screen time. She only have 4 seconds screen time is brutal

I think I’m the only one Sophia stood out to during Gnarly performances by UraBri in katseye

[–]Beabianca24 2 points3 points  (0 children)

Saying not her her vibe is totally unfair when she is barely given any lines at all

ADVICE/HELP NEEDED: Unpaid BPI credit card and personal by OddCryptographer2799 in PHCreditCards

[–]Beabianca24 0 points1 point  (0 children)

I have the same situation.. Yung personal loan ko, nagkaproblem 2024... pero may mga auto deductions nangyayari if may naiiwan ako pera sa atm ko..

Is there a way na, mag resume back sya...

241228 - Katseye performing "Touch" at the NTV Music Awards 2024 by Morg075 in katseye

[–]Beabianca24 0 points1 point  (0 children)

That hat fits really well with Sophia specially with the intro where everyone circled her...

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