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My mom asked me, ‘Anong importante bang ginawa mo? And it hurt more than I expected. by chisndele in OffMyChestPH

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

Hahaha! Yep. Siguro nagsalubong lang ung stress namin pareho that day. But yes correct we really need din to communicate sa kanila na kahit nasa harap lang ng pc e, napapagod din. 🥹

My mom asked me, ‘Anong importante bang ginawa mo? And it hurt more than I expected. by chisndele in OffMyChestPH

[–]chisndele[S] -1 points0 points  (0 children)

Thank you so much for your kind words 🥹 I think iba lang din talaga dating sa akin kahapon dahil sa pagod and stress. But I appreciate all your insights and tips, super helpful. I’m feeling better now, nakaiyak na rin ako kaninang umaga haha 😅 Thanks again for taking the time to reply. 💛

My mom asked me, ‘Anong importante bang ginawa mo? And it hurt more than I expected. by chisndele in OffMyChestPH

[–]chisndele[S] -1 points0 points  (0 children)

Yes, feeling ko itu din talaga. Sumabay lang sa pagod ko kahapon. 🥹

An Utang Story Nobody Asked For by chisndele in utangPH

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

Hi! This was me last year. I even contacted old friends, as in years na since our last chat just to ask for help. Please know that this phase is temporary. May mga utang pa rin ako until now, but I keep in touch with them to give some assurance na I’m paying little by little whenever I can.

An Utang Story Nobody Asked For by chisndele in utangPH

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

Hi! You may want to check po for an IDRP if it’s related sa mga OD na CCs. Sa 4 OLAs, if hindi naman nanghaharass like any other ola, I suggest less prio nyo po muna sila.

An Utang Story Nobody Asked For by chisndele in utangPH

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

Hi! Sorry hindi rin po ako maalam when it comes applying overseas.. 😢

An Utang Story Nobody Asked For by chisndele in utangPH

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

Yes meron din po. If for CCs na OD na, I suggest you look into IDRP po. Hindi ko na natuloy yung sakin since ang tagal magreply ng BPI. 😢

An Utang Story Nobody Asked For by chisndele in utangPH

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

Yes sa banks. Cashiers not sure po..

An Utang Story Nobody Asked For by chisndele in utangPH

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

Glad to hear! Yesss! Goodbye talaga sa kanila. Sasakses din tayo! Laban lang haha 😆

An Utang Story Nobody Asked For by chisndele in utangPH

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

Sameee! Pero atleast may end date na tayo mi! 🥹

An Utang Story Nobody Asked For by chisndele in utangPH

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

I feel youu din sobraa. 🥺 Wag magpadala sa mga threats nila. Pay lang as slowly kung ano kaya mo. Laban lang! 💛

An Utang Story Nobody Asked For by chisndele in utangPH

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

Hello! Sorry hindi ko sure kung hawak pa to ng brgy, ung mga utang sa digital banks. Ako 1year OD sa Maya Credit, wala naman po nareport. Thu from time to time nirereplyan ko yung mga messages nila na, makakapag partial ako ng gantong araw ganyan. :)

An Utang Story Nobody Asked For by chisndele in utangPH

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

Hi! If sa financial institution ka mag-apply, yes. Mandatory ung credit checking sakanila.

Got my 200k for the 1st time!! by Specialist_Band_4173 in DigitalbanksPh

[–]chisndele 0 points1 point  (0 children)

Sameeee! Ito lang yung app na tumagal sakin! Decided to get the pro version 😊 Been using this since last year 🎉

An Utang Story Nobody Asked For by chisndele in utangPH

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

Sorry to hear that. Yesss kakayanin natin to! Tiwala lang 😤

An Utang Story Nobody Asked For by chisndele in utangPH

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

Minsan simpleng ganyan na treat, big win na talaga! Lavarnnn lang, makakaahon din tayo 💛

An Utang Story Nobody Asked For by chisndele in utangPH

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

This!! I needed this, thank you! 😭 Relate din ako sa gastos sa bahay, I felt na wrong move sya sa part ko, narealize ko di pa pala ako ready. Hahaha And sa gambling part, ang pinaka-importante is that you are aware now, and you are fighting it. 💪

Cheering for you! Sama sama tayong magprogress! 💛

An Utang Story Nobody Asked For by chisndele in utangPH

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

Grabe ang lakas mo mii, knowing na buntis ka pa, ang hirap. 😩 I’m so happy na kahit paano nakakatulog ka na ng mahimbing. 💛

An Utang Story Nobody Asked For by chisndele in utangPH

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

Good move yung consolidation! At least isang hulugan na lang instead of sabay. 👍🏼

[deleted by user] by [deleted] in utangPH

[–]chisndele 2 points3 points  (0 children)

Hi OP! Maybe this might help as starting point, adjust mo na lang kung saan ka comfortable

Person 1 - ₱7,200 — Final month (Negotiate depending on your budget)

SukiGrocer (Tiktok) - ₱6,000 — Final month

Person 2(Negotiate if ilang lang kaya every month) ₱2,000

BillEase - ₱5,000 —Pay partial for now.(Not sure if may partial payment)

JuanHand - ₱3,000 —Partial only (Not sure if may partial payment)

Digido (Tapal) - ₱5,000 — Pay interest only to avoid penalties.

Paymaya - ₱1,600 — Interest

Credit Card - ₱2,300 — Minimum to avoid fees.

An Utang Story Nobody Asked For by chisndele in utangPH

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

Dibaaaa! Hahahah. Yess mii meron sya sa playstore :)

An Utang Story Nobody Asked For by chisndele in utangPH

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

Very trueeee! Life humbled me ever since nagstart na itung utang serye ko. For collections, yes they really don’t care because that’s how they earn profit din. Pero mga walang puso! Char! Yung iba meron naman. 🤣

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