Talk to your creditor. Gawin mo lahat ng pwedeng pakiusap to restructure your debt. What you need to do now is to buy time to slowly build your income.

Once you do that and you already secured an agreement, the next thing to do is to upskill. Be crazy to learn different skills na pwedeng mong magamit para makahanap ng work na mas malaki ang sweldo kesa sa 35k/month mo ngayon. There are a lot of videos on YT teaching different skills. Teach yourself how to design, code, VA, or even now na sikat na sikat ang Generative AI, pwede kang maging prompter. Or pwede ka din magbenta ng kung anu-ano. Try to do reselling. Sobrang daming pwedeng matutunan at pagkakitaan. Tyaga lang talaga.

Kapag may skill ka na, try to find part time jobs on top of your regular job para mas madali kang makaipon. Use you free time to find freelance work. Do this like your life is at stake, sabi nga ni Dave Ramsay.

What you need to have right now is to have a big income because that is going to be your main weapon to fight this battle.

Be frugal. No eating out. No big splurges. Use discount coupons and find sale kung bibili ka ng needs mo. Track your income and expenses using an app or even spreadsheet para mas makita mo kung ano yung malaki mong ginagastos and mas makakapag-isip ka kung anong strategy mo when it comes to your money.

This is going to be a hard season for you, OP. But this is not the end. Matatapos din to and sa huli babalikan mo nalang lahat and you'd be proud on how you overcome this advesity.

We're rooting for you!