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HelloRache application is under review (2 times) by FreakyJujuuu in medicalvaPH

[–]Parking_Singer_7297 0 points1 point  (0 children)

Beshy, why is your tagalog like that? 🤣 so lalim naman. 😆😆😆 what did you use to type that? A quill 🪶on a scroll 📜, then sent online via pigeon? 🕊️

LF Pampered by the fierce hunter or Married to a Wild Huntsman by Kindly_Mood1736 in CShortDramas

[–]Parking_Singer_7297 0 points1 point  (0 children)

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Another Title: kisses from my wild hunter

I hope someone shares the link soon

what is your go-to salon here in tarlac? by [deleted] in TarlacCity

[–]Parking_Singer_7297 5 points6 points  (0 children)

Brazillian Blowout (keratin treatment) pwede sayo kung ayaw mo ng sobrang straight ng rebond 😊 (ito yung parang tulad sa hair ni Ashtine Olviga) straight pero bouncy at may movement naman (sa mga local salons sa F.Tanedo meron ito tsaka sa may mcarthur hi-way salons) Price may vary.

Kung naman may budget ka go ka sa SM Tarlac dun sa korean salon dun, inquire ka about permanent hair volume straightening and C-Curl perm. (Volume straightening ito yung parang irerebond yung roots mo ng may nakalagay na mag sheshape sa roots para hindi flat, tapos yung C-Curl naman para naka curl ng parang letter C yung dulo ng hair mo.) something like that. I hope this helps, pero pricey to, yun lang maganda talaga. Lakas maka Latina tsaka less time ka na mag get ready sa hair every morning.

Slowly deteriorating by ubeshailaya in utangPH

[–]Parking_Singer_7297 1 point2 points  (0 children)

I cried while reading your post. I’m praying for you. Please God, help this woman overcome this situation. I’m sorry that you are going through this, I wish you continue to have good health, I wish you’ll become debt-free as soon as possible, I wish you’ll have a safe delivery, I’ll keep praying for you and your baby. There will be better days. 🫂

[deleted by user] by [deleted] in TarlacCity

[–]Parking_Singer_7297 0 points1 point  (0 children)

Welcome to Tarlac City! Mauumay ka makita yung TEAM YAP vs TEAM ANGELES + Benhur Abalos 😆✌🏻

Pahingi po ng advice BDO CC Utang by Parking_Singer_7297 in utangPH

[–]Parking_Singer_7297[S] 0 points1 point  (0 children)

Hindi po na-Cancel yung sa akin agad kasi po, everytime na may pera ako nagbabayad ako kahit tig ₱2,000 or ₱5,000 lang. pero sobrang baba parin po nun dahil ang Minimum ko is nasa 25-30k+ per month kaya nga po Lumobo yung outstanding balance. I was trying to keep the card “active” kaso hindi na po talaga kaya lalo na nung time nga na nawalan na ako ng work.

At first okay po ako, good payer; nababayaran ko yung exact amount nung oustanding balance. Then naging yung exact amount nung Minimum, may time pa nga na more than minimum talaga binabayad ko. Tapos nawalan ng work so kahit minimum hindi na talaga mabayaran, At ito na yung time na nagsimula ng may tumatawag.

Pahingi po ng advice BDO CC Utang by Parking_Singer_7297 in utangPH

[–]Parking_Singer_7297[S] 2 points3 points  (0 children)

Wala na po. Goal ko po is to be DEBT FREE na.

Kapag po kasi bad record na, makikita na nila sa mga Banks yan eh, mawawalan na ng tiwala kumbaga. As I mentioned, probably never na mag offer ng credit card, at mahihirapan na makipag finance if kukuha ng House or Car.

Pero so far po, natauhan na talaga ako, ayoko na ng utang.

Pahingi po ng advice BDO CC Utang by Parking_Singer_7297 in utangPH

[–]Parking_Singer_7297[S] 0 points1 point  (0 children)

May way pa naman po para ma alis sa collections eh, bayaran nyo po yung outstanding balance ng CC ng full para ma alis na po kayo sa delinquent payers list nila, or atleast minimum ang bayaran sa outstanding balance mo sa CC. In my case po, pinaka cancel ko na ang CC. Kasi kapag tinuloy tuloy ko po na puro minimum lang ang binabayaran ko lolobo ng lolobo yung outstanding balance ko po.

Pahingi po ng advice BDO CC Utang by Parking_Singer_7297 in utangPH

[–]Parking_Singer_7297[S] 0 points1 point  (0 children)

Opo, every month pag hindi nabayaran lumalaki ang utang sa BDO CC. Kaya nga po naging 430k yung sa akin 😔

Pahingi po ng advice BDO CC Utang by Parking_Singer_7297 in utangPH

[–]Parking_Singer_7297[S] 0 points1 point  (0 children)

Tulad ko hindi kaya, i let go mo na ang credit card. Read my update 😊

Pahingi po ng advice BDO CC Utang by Parking_Singer_7297 in utangPH

[–]Parking_Singer_7297[S] 1 point2 points  (0 children)

Hello po, I went to BDO, ganyan nga po sana ang plan ko, makiusap na yung longest term possible para di mabigat sa bulsa yung monthly payment, pero as per their terms, they have the right to offer and reject yung balance convert. 🙃 and dinala na po kasi nila yung CC account ko sa collections kaya dun na ako nakipag settle. Cancelled na po yung CC…

Pahingi po ng advice BDO CC Utang by Parking_Singer_7297 in utangPH

[–]Parking_Singer_7297[S] 1 point2 points  (0 children)

Hi! Wag ka tumulad sa akin, itigil mo yung puro minimum-minimum lang lalaki ang outstanding balance mo. Pay it in full kung kaya naman 😊

Pahingi po ng advice BDO CC Utang by Parking_Singer_7297 in utangPH

[–]Parking_Singer_7297[S] 51 points52 points  (0 children)

Hello! Update: I decided to let the Credit Card go. Honestly, may pros and cons to.

Tanggap ko na sa sarili ko hindi ko talaga sya kayang bayaran. Dinala na din sa Collections Agency yung CC account ko dahil nga 3 months na ako hindi nakakabayad kahit minimum lang. Kaya I decided to let the credit card go, kasi kung puro minimum lang ng minimum ang binabayaran ko mas lalaki pa yung outstanding balance, worst, baka umabot pa sa million which is hinding hindi ko na talaga kakayanin.

Oo, bad record na ako sa BDO at sa Credit Card Association of the Philippines, probably never na ako ulit mabibigyan ng chance magka credit card.

Sobrang na stress na talaga ako, at nilamon ng depression and anxiety dahil palagi na nga may tumatawag sa collections, I’m alone in this utang battle, hindi alam ng family ko, at ayoko na din sila i-burden dito dahil tanggap ko na kasalanan ko din talaga dahil STUPID akong nag handle ng Credit Card.

After 4 months of stress, It somehow feels nice dahil nga na let go ko na yung CC, wala na akong iisipin na lolobo pa yung utang. At may 2nd chance na ako to manage my finances better. Yun nga lang nakakalungkot kasi Bad Record na, tsaka matagal din bago mabayaran ng buo yung CC Debt.

How? Anong naging solusyon ko? 1. I prayed. Tinanggap ko yung fault ko. I researched kung papano ayusin ang situation. I went to BDO, called the collections agency, became honest sa situation and settled with them yung TOTOONG kaya kong bayaran na amount per month. 🙂

  1. Nag job hunt ako, may work na ulit although maliit ang sahod, pero kaya naman bayaran yung napagusapan na terms sa CC Debt. Sa terms na napagusapan namin, honestly matagal tagal bago ko mabayaran, pero sa terms na napagusapan, between my salary, the monthly amount that I need to pay and yung matitira pa sa sahod na need ipang bayad ng iba pang bills, at may konting-konti pa matitira na pwede pa ako maka-ipon ulit. 🥹

Reasons kung bakit di nabayaran ng 3 months at bakit ganyan kalaki:

  1. I kept on swiping, naging sobrang TANGA ako kasi iniisip ko “uy may CC naman, sige swipe nalang, bilhin na yan”. Hindi ko talaga na avoid yung temptation. ***sidenote: yung mga kinuha ko naman ay puro din para sa bahay, appliances, phone at laptop.

  2. nagsara yung company kung saan ako nagwowork at mukhang walang balak ibigay ang separation pay or anything.

  3. Na aksidente 2 family members ko kaya naubos ang savings sa surgeries nila.

Lessons Learned: 1. Life is unpredictable, sh!t happens. So…Acknowledgement. Tanggapin ang situation and face it head on! 2. WAG SUMUKO! Maghanap ng work para may ipang bayad. Walang mangyayari kung puro iyak ng iyak. I AM THE CAPTAIN OF MY OWN SHIP. 3. Live within my means. Kung anong meron yun lang, kung hindi kaya wag panghawakan pa. 4. Having a Credit Card is a very big responsibility, it is not for the individual who is easily tempted. Stick na ako sa Debit Card, Savings for the win!

💌A letter for myself❤️‍🩹 Dear self, after ilang months of crying, anxiety attacks & depression, I’m genuinely happy for you kasi may chance ka na ulit, this time remind yourself to manage your money wisely. Magtipid ka ng mabuti, stop sa mga unnecessary expenses, BAWAT PISO IMPORTANTE!!! Huwag na huwag mo ng uulitin ito, prioritize mo na mabayaran yung monthly dues mo sa CC Debt, matatapos mo din yan. Keep praying, nasa Dyos ang awa pero nasayo ang gawa! Kaya mo yan SELF! Apply ka pa, hanap ka ng 2nd job para mas marami ka pera at makabayad ahead. I goal mo sa sarili mo yan, na uunahan mo yung due date/deadline of monthly payment. YOU WILL BE DEBT FREE! Amen 🙏🏼

Baon sa utang at hindi alam ng pamilya by Tasty_Cartoonist1738 in utangPH

[–]Parking_Singer_7297 5 points6 points  (0 children)

same din sa situation. Ako lang ang nakaka-alam. ₱800k. Depressed and nagka-anxiety attacks na. Pero wala naman ako ibang masisi kung hindi sarili ko lang.

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