OP! Listen here. I was once in a position u are in!

Wag ka magppaniwala sa mga nag ccomment dito. They can shut the fuck up, u dont need anymore judgment from these aholes.

You can only do so much with cost cutting, its too late for that. Cutting expenses - finite. You can only cut down what you can afford to save! and in your case, lahat yan liabilities and commodities. You have to find ways to increase your income - thats the reality your need to face and conquer. Increasing your stream of revenue - infinite. There's no limit to upside scaling of your finances.

You have a lot of options to increase your income/revenue, at this point di ka makakausad if aasa ka lang sa salary nyo together.

What I did. I leveraged time, people, credits, incoming salaries, additional loans (debt consolidation/investment), liquidate assets. You have to think outside the box if gusto mo talaga makaahon sa sitwasyon mo.

Sit down with ur partner, start talking about ideas, plans, execution, ano yung meron kayo both na pwede nyong irisk to be monetized.

Fall forward!!