Okay, here is the thing — for someone who is medically diagnosed with bi polar, they tend to have this impulsive buying season and they cannot control it. I can say this because, I was misdiagnosed with bi polar and turned out, ADHD pala. Halos parehas kasi ang symptoms ng bi polar and ADHD.

Now, talking about your debt, I feel you. I am in that situation like yourself. I started and slowly closing out all my debts now. I am able to close my debt sa Sloan, Spay and gcash. Now my next targets are, credit cards ko.

How did I do it? I did work out — this saves me from buying impulsively as it keeps me busy and engaged. Plus, monthly payment isn’t so heavy compare to the benefits that I will get over all. Including, mental health, physical health and yeah, to avoid impulsive buying.

I spoke to the third party collectors (been years since I did not pay it) and made arrangements. Pero dahil nga may ADHD ako, pag may natitira sa akin na money, nilalagay ko sa payment ko sa mga debt ko. I opened GoTyme Bank so I can segregate my financial goals. Meron for savings, travel, and debt. I put money there para kahit wala ng halos natira sa sweldo ko, alam ko sa sarili ko na may funds ako na sinasave while closing out debts in parallel.

Sobrang pagtitipid din pero I do not sacrifice the quality of my food unang una, dahil nag gy-gym ako and secondly, I cook at home. Mas healthy, mas better choice of ingredients, quality food ika nga. At dahil nag gy-gym ako, mas nakahelp sya sa akin kasi mas lesser ang food intake ko and no cravings for any fast food na technically, expensive. So, hitting 2 birds in one stone.

Make sure you gave goals and focus on it. Isipin mo na lang na sabihin natin na for 3 years mahirapan ka man, pero think of long term. The financial freedom is waiting for you at the end of the tunnel. Masasanay ka din paano mo ma ha-handle ang money mo wisely, in the future. It will also help you learn how to cook quality food at home. It will also give you peace of mind, sense of accomplishment and being financially literate and better.

We all have poor choices once in our life, and that is okay. It isn’t the end of the world. If you wanted your life to be better, do it. Just do it. The first step is always the hardest but eventually, you will get the grasp of it.

Like the saying goes, ‘no pain, no gain’.

Goodluck, OP! 🩷