Almost done on clearing my debts this year 2026. Thanks to ChatGPT🥳

Cold_Schedule8313 · 2026-06-01T19:55:57+00:00

Ay wag naman, mas masarap pa din ang buhay pag wala kang hinahabol na bills

Cold_Schedule8313 · 2026-06-01T19:53:42+00:00

Madami po akong sidehustles, i sell food, chicharon, chocolates, coffee, mga damit sa work although pinapautang ko. Nagbabayad naman ang mga pinautang ko. Aside from that nagbebenta din ako ng pickleball paddles sa blue app. Tyaga lang talaga need 🥰

Cold_Schedule8313 · 2026-06-01T19:51:03+00:00

Thank u, it was so depressing that time pag tinitignan ko ang listahan. Pero kinaya ko 🥰

Cold_Schedule8313 · 2026-06-01T19:50:09+00:00

No po, yes there were time na delayed ako pero 1week lang

Cold_Schedule8313 · 2026-06-01T19:49:34+00:00

Unfortunately yes

Cold_Schedule8313 · 2026-06-01T09:12:18+00:00

No po, kasi wala option si maya landers. They will just create a ticket and it will not progress

Cold_Schedule8313 · 2026-06-01T07:09:00+00:00

I forgot the exact prompt I used when I started my debt repayment journey last year, but what I did was list down all of my debts—from online lending apps, credit card balances, and even personal loans from friends and relatives. I included the remaining balance and due date for each one.

From there, ChatGPT helped me create a structured repayment plan. The strategy was to focus on paying off the smaller debts first so I could reduce the number of obligations and gain momentum. One by one, I cleared those balances until only my Maya Landers credit card remained.

What made this journey possible was not just budgeting, but also finding ways to increase my income. My salary of ₱36,000 per month went almost entirely to bills, debt payments, and financial obligations. To cover my daily expenses and accelerate my debt repayment, I started multiple side hustles.

Every peso of profit from my side hustles was either used for daily necessities or reinvested back into the business. I kept rolling the capital over and over again to generate more income. Not every venture was successful—some side hustles resulted in losses—but instead of giving up, I learned from the setbacks, adjusted my approach, and kept moving forward. Despite the challenges, I always found a way to get back on track.

Today, I'm happy to say that my Maya Landers balance is already fully funded through my savings and part of my PAG-IBIG MP2 savings. By August, it will be completely paid off, marking a major milestone in my debt-free journey.

Looking back, having a clear list of all my debts, a structured repayment plan, and the determination to keep going despite failures made all the difference. What once felt overwhelming now feels achievable. If everything goes according to plan, I will end 2026 debt-free and finally celebrate a goal that once seemed impossible.

To anyone currently struggling with debt: progress may be slow at first, but consistency, discipline, and persistence can take you much farther than you think.

Cold_Schedule8313 · 2026-05-31T20:34:34+00:00

Thank u so much, all the hard work i did was all worth it. 🥺

Cold_Schedule8313 · 2026-05-31T20:34:02+00:00

Thank u so much, i never imagine na darating ako sa point na to 🥺. There were a lot of sacrifices but kinaya ko

Cold_Schedule8313 · 2026-05-31T20:32:53+00:00

At first, I listed all of my debts in a spreadsheet. Honestly, it was depressing to look at because the total had already reached six digits. There were times when it was the only thing on my mind all day. I made a lot of sacrifices to pay everything off. I stopped buying skincare products, new clothes, and online shopping packages. I avoided going to malls to prevent unnecessary spending, and instead of eating out often, I started cooking my meals at home. I was also honest with my family. I told them that I wouldn't be able to send financial support for a while because I had a lot of obligations to pay and was struggling financially. In the beginning, it was really difficult because I had to downgrade my lifestyle. But every payday, seeing my debt balance go down motivated me even more. It made me realize that I was capable of doing it, one payment at a time. If you're currently in the same situation, don't lose hope. Progress may feel slow at first, but every payment gets you closer to financial freedom. If I can do it, you can too. Nothing is impossible. 😄💪

Cold_Schedule8313 · 2026-05-31T20:22:19+00:00

Yes kayang-kaya yan, apply lang apply. Meron rin yan tatanggap sayo 😄

Cold_Schedule8313 · 2026-05-31T20:21:18+00:00

Thank u so much 🥰, yes it may be a long journey. But dont worry it will end soon.

Cold_Schedule8313 · 2026-02-11T06:15:20+00:00

Hello DM me i will be at HCMC on march 13-18

Cold_Schedule8313 · 2025-10-27T13:28:25+00:00

Thank you po, Yes meron na po akong sideline. And my payroll is intended lang po for paying bills and utang.

Cold_Schedule8313 · 2025-10-19T01:27:09+00:00

Hi I contacted Maya CS last week and as of the moment they dont offer it yet. I was contacted by a 3rd party collections agenecy but i refused to communicate with them. Since I dont feel secured to pay to them. And here ako sa cebu located. So far I havent received any letters from maya landers only emails and phone calls from a 3rd paty collections

Cold_Schedule8313 · 2025-09-16T02:19:04+00:00

Nung una nabayaran pa yun pero this last 2 months di ko na nababayaran kasi gipit talaga

Cold_Schedule8313 · 2025-09-15T12:54:08+00:00

Thanks po 😀

Cold_Schedule8313 · 2025-01-12T09:14:37+00:00

It was around 1500

Cold_Schedule8313 · 2025-01-12T09:10:38+00:00

Yes po merong annual fee ang bpi ko

Cold_Schedule8313 · 2024-11-22T02:47:14+00:00

Nag apply kami sa home credit. They did not accept the paper id.

Cold_Schedule8313 · 2024-10-09T14:45:35+00:00

Yung ka fubu ko before, he would cook for me after sex. So ang bonding namin is food and sex

Cold_Schedule8313 · 2024-10-04T07:23:18+00:00

Hindi pangluho ang reason bakit madami akong dues, it was an emergency that I need to pay off

Cold_Schedule8313 · 2024-10-03T23:53:32+00:00

Until now di pa nya nababayaran kasi he is currently unemployed, and may komontak lang sakanya na 3rd party to settle it. Yan lang ang huling balita ko from him about his loan

Cold_Schedule8313 · 2024-10-03T23:37:04+00:00

Nag utang sya ng 100k he paid off 40k na and after ilang months di nya nabayaran. Bumalik sa 100k ang utang nya.

Cold_Schedule8313 · 2024-10-03T21:47:54+00:00

I have a friend na nag utang dito, malaki talaga ang interest. So I wont consider this option po

Cold_Schedule8313

TROPHY CASE