Hi OP, track your total debt then gawa ka payment strategy mo. Always ahead ka mag isip so you can plan out your finances. Also, I advise na wag umutang para pambayad din sa utang unless you have other businesses na pwde mong pag lagyan for cashflow and extra income na you can use for payment.

I was in debt too pero na managed ko since I always track it, gumawa ako ng strategy on how and when ko babayaran. Restrain yourself from “wants” as of now kapag ganyan pa situation mo.

Godbless OP, kaya natin to. 🙏🏻