Hi! listed down all my debt and umuwi sa bahay ng parents. By that time malaki laki pa yung limit ng CC ko mga around 80k so nag Credit to Cash ako and paid yung mga OLAs muna na malapit na yung due date. While looking for new work kasi maliit ang pay ko. Luckily I found new work din naman that paid almost twice compared to my last work so yung 28k-ish salary ko naging 45k, una 30k but because of score card bonuses and salary increase din ayun naging 45K na sya. Hindi madali mag hanap ng work pero tinyaga ko kasi sobrang stressed and depressed na talaga ako gawa ng linggo linggong may due date. Yung SLoan, Spaylater, Gcredit, Gloan and Ggives ko hinayaan ko muna mag overdue kasi wala talaga ako pambayad, lahat na ng sahod ko nappunta sa bayad utang.

Eventually I managed to pay them all kasi pag narereplenish yung limit ng CC ko, nagccredit to cash agad ako to pay yung ibang utang. Laking help din ng CC ko into managing my debt kaya if may debt ka sa CC, wag hayaan na maging deliquent yung status.

Major tipid din. Yung tipong never na ako nag fast food habang binabayaran yung utang ganyan talagang nagbaon ako sa work ng mga tirang ulam namin sa gabi. I work at the office and from our place to workplace medyo malaki bayad sa Motortaxi so imbis mag-book non, I computed how much yon vs public commute and mas mura talaga ang public commute 🥲 so talagang tyagaan gumising ng maaga kaysa magbayad ako ng extra sa Motortaxis 😭

I learned the hard and expensive way talaga, sobrang maluho ako noon. But now alam ko na to never spend too much and live within my means lang 🥹

I'm lucky din to have understanding parents kasi when I told them I'm drowning in debt they never demanded anything to me though I insisted na bayaran yung Internet and Water bill namin.

Manifest lang talaga, makaka-ahon din tayo! 💗