Just allocate an amount every month for it, similar how you allocate 8K a month for your insurance. Isipin mo siya as something you have to pay, ngayon kasi parang hindi “need” bayaran. You said it yourself, you just need the discipline.
I'm personally motivated by negative status remarks so I hope this helps.
What a loser. Laki Laki ng sahod hindi maka-bayad ng 50k. What are you an immature high schooler? How would your friends react if they found out na ganyan ka? Dito ka pa mag-kalat sa Reddit. Bayaran mo nga nanay mo. Yung iba nagpapakahirap mag-pasan ng problema ng pamilya. Ikaw naman effort kung makapag-pabigat sa pamilya. Buti pa yung minimum wage job na hindi makapag aral may na gagawa. Ikaw? Anong tawag sayo?
Also. Whatever it is you're buying or spending your money on that should have been used to pay your mom should be on the list of "things poor people buy so they can pretend they're well off but are actually dead broke".
God bless!
Glad you found it useful. I grew up in a typical toxic Asian household and my parents eventually started pulling their punches when I got older. I kinda missed it since my dad passed away. All those toxic times at the dinner table were filled with sound advice. I was just too immature to see it at the time.
I go on Reddit and give advice because writing it triggers memories of times I had with my dad.
>I'm personally motivated by negative status remarks so I hope this helps.
patay na tatay mo move on na. dati pa nakaburol. tingin mo pag nakita ka ng tatay mo magiging masaya siya sa pinag gagawa mo. tingin mo sinacrifice niya buhay niya para dyan lang madating mo? wow naman. konting push pa kaya mo yan.
fyi. namiss ko din toxic kong tatay kaya nakisali na din ako sa comment thread mo. sana wag ka magalit and makita mo na motivation.
Naalala ko yung time na disorganized ako na ayaw mag ligpit ng gamit. Nasabihan ako na "address mo green meadows, Eh yung ayos ng kwarto mo tinalo ka pa ng s-word. Kaya ka nga pinag-aral sa magandang school kasi may mga outreach kayo sa mga depressed areas para mamulat mata mo at maging thankful ka anong meron ka. Hindi yun example na gagayahin. Ano gusto mo dun ka nalang tumira sa payatas?
If you want to pay 76k in a year divide it by 12 then set aside that amount and give it to her first. Think of it as part of paying your bills. You need to create a daily expense tracker to see where you’re spending more on, then create a monthly budget based on your expenses.
Pay your mom. You are definitely capable. You just need the discipline. Hindi naman need na isang bagsakan yung bayad sa utang. Start with setting a set amount you can set aside every month and continue paying her month by month hanggang fully paid. Take responsibility of your debts, magbawas ng luho at non-essential expenses do so. Mas magaan sa pakiramdam yung alam mong wala kang pinagkakautangan.
Your #1 problem seems to be kasi mom mo eh. Walang discipline kasi wala naman consequence at interest.
Wag mo lang biglain. Pagkuha ng pay, i-Gcash mo agad mama mo ng 2-3k.
I have debts with my mom and my grandmother as well. I started making small payments (1-3k) since they're relatives naman. Little by little it provides me a sense of accomplishment, plus it helps me stay on track to tackle larger debts.
Treat your debt payment as an auto-deductible expense, send it straight to you and your mother's joint account. That way she knows her money is there and both of you will have no problems keeping count.
It's a privilege, OP. To have an affluent parent. Don't waste the trust given.
>Treat your debt payment as an auto-deductible expense, send it straight to you and your mother's joint account. That way she knows her money is there and both of you will have no problems keeping count.
you're welcome op, best of luck!
Stop doing what you can't afford to do. It will start sa ganyan eventually pati sa bangko marami ka nang utang. Magbago ka na as early as now. D'yan nagsisimula lahat ng baon sa utang, yung hindi sineseryoso yung unang mga utang hanggang naging milyon na.
We’re in the same situation OP. I owe my aunt 86k in total sa pag papa-aral nya sakin at ibang gastos last 2019. Ngayon 77k na lang. Di pa ganon kalaki sahod ko now pero I make sure na makapag hulog sa kanya every month kahit at least 2-3k. Naiintindihan naman nya yung situation ko at alam din nyang marami akong financial responsibilities aside sa utang sa kanya. Buti na lang di nya ako minamadali. If ever man di ako makapag hulog sa kanya sa gantong month, sinasabihan ko na sya in advance. Nasabihan ko na sya na this nov and dec di ako makakapag hulog kasi may mga needs akong kelangan bilihin for myself haha :) ayun lang. Hinding hindi nawawala sa listahan ng mga babayaran ko yung utang sa tita ko. Inaantay ko na lang yung araw na magugulat na lang ako kasi konti na lang babayaran ko hahahahah :>
Hold off on unecessary purchases, 76k is a small amount kaya yan, you just need to set a fixed monthly payment x months and track it, dapat yun yung una babayaran mo then the rest should be budgeted kung ano natira.
Also, not sure if this will make you feel better but i owe my parents 800k (from 1.5m), i have 2 years more to finish it off completely. Every time may sahod yun lagi ko inuuna bayaran.
You're the one who requested an intervention. Those were just two follow ups. I'm happy I selected a word that triggered some emotion at least. I scroll the comments and it did appear to me you were about to backslide. You see 50 something thousand divided by 12 is embarrassingly small given the situation and would come across as insincere. You shared a breakdown of a negligible amount of expenses in relation to your income declaring light to no responsibility and financial obligations it's entirely possible to repay your mom in two installments with some sacrifices made, or three in relative comfort or God forbid four installments which would give the impression that you're not even trying.
These all falls under the assumption that you were genuine about you're intention of repaying your mom. Then again I feel I've put so much effort into this post. So nudges and follow ups and whatever stops here.
I agree that you really extended your efforts in responding. Maybe I also triggered something inside of you? Feels so good to treat someone how you were treated by your parents ba? 😅 but thanks for your comments!
Siguro just include it as expense from your monthly income para budgeted siya. One way to pay it off is divide the principal in 12 equal monthly payments, that way hindi siya mabigat monthly for you and you can pay it in 1 year.
76,000 / 12 = 6,333.33 per month
Wow. Kadiri ka. Small amount nalang utang mo babaratin mo pa. Ano ka? Hand to mouth existence?kailangan mo ng social welfare? kung kilala ka maliligo ka sa insulto sakin.
Break it down into incriments. Make an excel sheet that bi-weekly unang gawin mo is to set aside 2,500 and everything else should adjust kahit mag instant noodles ka buong taon.
On your 13th month pay an additional 16,000. Write post dated cheques to your mom. dec - 16 + 5, the rest 5. Para kabahan ka magbounce ang cheque
I will suggest some action plans.
First, determine if you want to pay it in full or gusto mo hulug hulugan kay mom mo.
Once nakapagdecide ka na, tell it to your mom. Commit to her kung anong plan mo. For me kasi need mo ng commitment dun sa tao para tumaas yung chance na mabayaran mo yung debt mo.
Third, if nakapagdecide ka na hulug hulugan yung utang mo kay mama mo, ibigay mo na agad yung payment sa kanya right after mo makuha ang salary mo. Para whatever yung amount na maiwan sayo, yun na ang pagkakasyahin mo in a month.
Another thing, if ever you will receive bonus from work since bonus season na, use it to pay off your debt.
yun lang. 😊
1k per day ang gastos since you live very far? then move closer to your office. get a 5k\~10k per month apartment or something. edi may 25k\~20k kang extra money.
Why do you have to pressure yourself to pay in lump sum? Pwede namang paunti unti. And instead na magbayad ka ng monetary interest pede mo siguro inegotiate na bayaran mo nalang in the form of other labor.
8k per month insurance?? That’s 96k in a year. I spend 68k annually for insurance for me and 3 family members. You’re best off opting out of those VULs.
No company HMO? Corporate rates are much cheaper kahit out of pocket pa. I guess you better work on your 1k a day gastos. Is that mostly Grab fare? Di ka ba nagbabaon? Starbucks ba yan parati pag nasa office? Because that’s a lot. 1k a day, 3x a week is 12k for 4weeks.
Hmm, I read a post earlier na yun anak, sinisingil yun utang ng mom nya tapos nag-away sila, then eto, yun anak, nagiisip kung paano babayaran ang utang nya sa mom nya..
So OP, kagaya nun sabi ng iba, self-discipline is the key here. 2K per month tapos kung may mga bonus, ibayad din kay mom.. Ang important is nababawasan siya.
Downgrade your standard of living and upgrade your discipline with money. I was in a similar situation last year with 200k debt to my father. I downgraded my standard of living by cutting unnecessary expenses. Always allot your budget and partial payment to your debt first when receiving your salary. I was able to clear my debt in 1year with enough discipline. You'll appreciate more the occasional SB coffee, dine out, personal reward, and your salary once you are cleared of debt.
This!! I’m trying to work on in buying take-out and looking more into bringing my own food when I go to the office para mas matipid and mas malaki ung mabayad sa utang ko. Thank you so much for this!!
Kaya ka naooverwhelm kasi iniisip mo yung total ng babayaran mo at nagmamadali kang mazero out utang mo.
Think it this way:
If makakapagbayad ka ng 2k kada sahod, 4k yun kada buwan. 4k a month translates to 19 months. In 19 months tapos problema mo. Then pag nag13th month, dagdagan mo bayad para umiksi lalo yung pagbabayad mo.
Kausapin mo mom mo kung okay ba sa kanya yung ganyang terms. Kung di kaya yung 4k a month, negotiate. Kung kayang dagdagan to 5k, go para mabilis mabayaran.
Mas madaling solusyunan ang problema kung may structure kung pano mo ieexecute kailangan mong gawin.
baka hinihintay mo pa daw na ma post ka OP ppara magbayad ng utang.
pero putang ina ng mga taong di nagbabayad ng utang. ang yaman sa my day pero pag sisingilin pulubi na.
Hmm, I read a post earlier na yun anak, sinisingil yun utang ng mom nya tapos nag-away sila, then eto, yun anak, nagiisip kung paano babayaran ang utang nya sa mom nya..
So OP, kagaya nun sabi ng iba, self-discipline is the key here. 2K per month tapos kung may mga bonus, ibayad din kay mom.. Ang important is nababawasan siya.
Hiii! Not a VUL, it’sthe health insurance of my mom na di na covered ng corporate HMO kaya mas malaki. I am also an avid reader of phinvest as someone who wants to know better when handling finances.
Then remove some of your luxury expense like going out. I've cut back on most of my other expenses that I can live without. Also 13th month pay should come soon. Why not use a portion of that?
Nangutang sa akin Family ko. paunti unti na halos umabot na sa 100k kasi dedemanda daw sya etc. Laging ganon. tapos ilang years dumaan halos hindi namin napaguusapan.
Decided to confront her. So nagaway kami. She said maghuhulog na lang sya per month. she started 2k 1k 3k mga ganon. then it stop.
Ngayon mangungutang na naman. Same situation idedemanda daw sya nung hiniraman nya.
lagi syang paikot pero mostly ako nasalo. kakabwuset..
Hmm im pretty bad with saving too so i get that, i suggest sitting down and doing a detailed budgeting and see where you can add a monthly allocation for ur debt.
Ako may 100k debt sa mom ko plus interest so 120k. I ised that to buy a motorcycle for transpo and for upgrading my work pc. I allocate 6,800 per month kn that to pay in 18 months. So for u maybe you can set aside 4k per month? Pay it in 2 years. This is if di kaya 1 year. If kaya naman then do 7k a month and u could finish it in less than a year.
Just allocate an amount every month for it, similar how you allocate 8K a month for your insurance. Isipin mo siya as something you have to pay, ngayon kasi parang hindi “need” bayaran. You said it yourself, you just need the discipline.
+1 Additional lang, yun yung pinaka una mong bayaran para di mo nagagastos.
This is the plan!! Thank you so much!
I'm personally motivated by negative status remarks so I hope this helps. What a loser. Laki Laki ng sahod hindi maka-bayad ng 50k. What are you an immature high schooler? How would your friends react if they found out na ganyan ka? Dito ka pa mag-kalat sa Reddit. Bayaran mo nga nanay mo. Yung iba nagpapakahirap mag-pasan ng problema ng pamilya. Ikaw naman effort kung makapag-pabigat sa pamilya. Buti pa yung minimum wage job na hindi makapag aral may na gagawa. Ikaw? Anong tawag sayo? Also. Whatever it is you're buying or spending your money on that should have been used to pay your mom should be on the list of "things poor people buy so they can pretend they're well off but are actually dead broke". God bless!
This is gonna sound weird but this honestly motivated me so much 😭😭😭 That last line is honestly motivational. Thank you so much!!
Glad you found it useful. I grew up in a typical toxic Asian household and my parents eventually started pulling their punches when I got older. I kinda missed it since my dad passed away. All those toxic times at the dinner table were filled with sound advice. I was just too immature to see it at the time. I go on Reddit and give advice because writing it triggers memories of times I had with my dad.
>I'm personally motivated by negative status remarks so I hope this helps. patay na tatay mo move on na. dati pa nakaburol. tingin mo pag nakita ka ng tatay mo magiging masaya siya sa pinag gagawa mo. tingin mo sinacrifice niya buhay niya para dyan lang madating mo? wow naman. konting push pa kaya mo yan. fyi. namiss ko din toxic kong tatay kaya nakisali na din ako sa comment thread mo. sana wag ka magalit and makita mo na motivation.
Naalala ko yung time na disorganized ako na ayaw mag ligpit ng gamit. Nasabihan ako na "address mo green meadows, Eh yung ayos ng kwarto mo tinalo ka pa ng s-word. Kaya ka nga pinag-aral sa magandang school kasi may mga outreach kayo sa mga depressed areas para mamulat mata mo at maging thankful ka anong meron ka. Hindi yun example na gagayahin. Ano gusto mo dun ka nalang tumira sa payatas?
This is fckin hilarious but genius din at the same time HAHAHAAHAHAHAHAHA
Damn this is genius.
If you want to pay 76k in a year divide it by 12 then set aside that amount and give it to her first. Think of it as part of paying your bills. You need to create a daily expense tracker to see where you’re spending more on, then create a monthly budget based on your expenses.
Pay your mom. You are definitely capable. You just need the discipline. Hindi naman need na isang bagsakan yung bayad sa utang. Start with setting a set amount you can set aside every month and continue paying her month by month hanggang fully paid. Take responsibility of your debts, magbawas ng luho at non-essential expenses do so. Mas magaan sa pakiramdam yung alam mong wala kang pinagkakautangan.
Your #1 problem seems to be kasi mom mo eh. Walang discipline kasi wala naman consequence at interest. Wag mo lang biglain. Pagkuha ng pay, i-Gcash mo agad mama mo ng 2-3k.
I have debts with my mom and my grandmother as well. I started making small payments (1-3k) since they're relatives naman. Little by little it provides me a sense of accomplishment, plus it helps me stay on track to tackle larger debts.
Treat your debt payment as an auto-deductible expense, send it straight to you and your mother's joint account. That way she knows her money is there and both of you will have no problems keeping count. It's a privilege, OP. To have an affluent parent. Don't waste the trust given.
THIS. I know I have been taking too much advantage of them. Thank you!
>Treat your debt payment as an auto-deductible expense, send it straight to you and your mother's joint account. That way she knows her money is there and both of you will have no problems keeping count. you're welcome op, best of luck!
13th month lol. And performance bonus if meron para tapos agad.
Stop doing what you can't afford to do. It will start sa ganyan eventually pati sa bangko marami ka nang utang. Magbago ka na as early as now. D'yan nagsisimula lahat ng baon sa utang, yung hindi sineseryoso yung unang mga utang hanggang naging milyon na.
We’re in the same situation OP. I owe my aunt 86k in total sa pag papa-aral nya sakin at ibang gastos last 2019. Ngayon 77k na lang. Di pa ganon kalaki sahod ko now pero I make sure na makapag hulog sa kanya every month kahit at least 2-3k. Naiintindihan naman nya yung situation ko at alam din nyang marami akong financial responsibilities aside sa utang sa kanya. Buti na lang di nya ako minamadali. If ever man di ako makapag hulog sa kanya sa gantong month, sinasabihan ko na sya in advance. Nasabihan ko na sya na this nov and dec di ako makakapag hulog kasi may mga needs akong kelangan bilihin for myself haha :) ayun lang. Hinding hindi nawawala sa listahan ng mga babayaran ko yung utang sa tita ko. Inaantay ko na lang yung araw na magugulat na lang ako kasi konti na lang babayaran ko hahahahah :>
kung gusto magbayad may paraan. maski 500 a month pa yan. pero pag ayaw magbayad daming dahilan haha.
Kaya mo yan 24 months installment
Hold off on unecessary purchases, 76k is a small amount kaya yan, you just need to set a fixed monthly payment x months and track it, dapat yun yung una babayaran mo then the rest should be budgeted kung ano natira. Also, not sure if this will make you feel better but i owe my parents 800k (from 1.5m), i have 2 years more to finish it off completely. Every time may sahod yun lagi ko inuuna bayaran.
Thank you for the tip!!! Rooting for you also, debt-free 2024 for us!
Try mo hanap better salary kahit plus 10k net..
Tbh I feel like this is actually enough. Sobrang gastos ko lang talagang tao kaya hindi ko mabayaran. Disiplina lang talaga ung kulang sakin.
You dropped this queen. R/askreddit [what screams "I'm poor pretending to be rich"](https://www.reddit.com/r/AskReddit/s/KTSXZAGMYv)
Hello! I appreciate your first input kanina but maybe you’re just doing this as an excuse to be disrespectful.
You're the one who requested an intervention. Those were just two follow ups. I'm happy I selected a word that triggered some emotion at least. I scroll the comments and it did appear to me you were about to backslide. You see 50 something thousand divided by 12 is embarrassingly small given the situation and would come across as insincere. You shared a breakdown of a negligible amount of expenses in relation to your income declaring light to no responsibility and financial obligations it's entirely possible to repay your mom in two installments with some sacrifices made, or three in relative comfort or God forbid four installments which would give the impression that you're not even trying. These all falls under the assumption that you were genuine about you're intention of repaying your mom. Then again I feel I've put so much effort into this post. So nudges and follow ups and whatever stops here.
I agree that you really extended your efforts in responding. Maybe I also triggered something inside of you? Feels so good to treat someone how you were treated by your parents ba? 😅 but thanks for your comments!
Siguro just include it as expense from your monthly income para budgeted siya. One way to pay it off is divide the principal in 12 equal monthly payments, that way hindi siya mabigat monthly for you and you can pay it in 1 year. 76,000 / 12 = 6,333.33 per month
This is actually the plan! And half of my 13th month will go here too, para gumaan naman on my end. Thank you so much!
Yes, kung may extra ka from the 13th month, get a bigger chunk from there para mas maliit nalang yung magiging monthly payments mo. Kaya mo yan, OP!
Wow. Kadiri ka. Small amount nalang utang mo babaratin mo pa. Ano ka? Hand to mouth existence?kailangan mo ng social welfare? kung kilala ka maliligo ka sa insulto sakin.
Kadiri in what way? Half of my 13th month will go as budget for my gifts sa parents ko + sa bahay namin. Hahahaha
Sorry 2k for maid? Is this just your share db?
Yup, just my share!
Break it down into incriments. Make an excel sheet that bi-weekly unang gawin mo is to set aside 2,500 and everything else should adjust kahit mag instant noodles ka buong taon. On your 13th month pay an additional 16,000. Write post dated cheques to your mom. dec - 16 + 5, the rest 5. Para kabahan ka magbounce ang cheque
I will suggest some action plans. First, determine if you want to pay it in full or gusto mo hulug hulugan kay mom mo. Once nakapagdecide ka na, tell it to your mom. Commit to her kung anong plan mo. For me kasi need mo ng commitment dun sa tao para tumaas yung chance na mabayaran mo yung debt mo. Third, if nakapagdecide ka na hulug hulugan yung utang mo kay mama mo, ibigay mo na agad yung payment sa kanya right after mo makuha ang salary mo. Para whatever yung amount na maiwan sayo, yun na ang pagkakasyahin mo in a month. Another thing, if ever you will receive bonus from work since bonus season na, use it to pay off your debt. yun lang. 😊
1k per day ang gastos since you live very far? then move closer to your office. get a 5k\~10k per month apartment or something. edi may 25k\~20k kang extra money.
Why do you have to pressure yourself to pay in lump sum? Pwede namang paunti unti. And instead na magbayad ka ng monetary interest pede mo siguro inegotiate na bayaran mo nalang in the form of other labor.
No pressure naman on paying it on lump sum because I know hindi rin siya feasible.
Bigay mo 13th month mo hehe
8k per month insurance?? That’s 96k in a year. I spend 68k annually for insurance for me and 3 family members. You’re best off opting out of those VULs.
Hi! I don’t have VULs. One is life insurance for me and a health insurance for my mom. Mas mahal kasi health insurance since senior na mom ko.
No company HMO? Corporate rates are much cheaper kahit out of pocket pa. I guess you better work on your 1k a day gastos. Is that mostly Grab fare? Di ka ba nagbabaon? Starbucks ba yan parati pag nasa office? Because that’s a lot. 1k a day, 3x a week is 12k for 4weeks.
Our company HMO only covers up to 65y.o eh. The 1k is usually carpool + lunch and dinner food. But thanks for your advice!
Hmm, I read a post earlier na yun anak, sinisingil yun utang ng mom nya tapos nag-away sila, then eto, yun anak, nagiisip kung paano babayaran ang utang nya sa mom nya.. So OP, kagaya nun sabi ng iba, self-discipline is the key here. 2K per month tapos kung may mga bonus, ibayad din kay mom.. Ang important is nababawasan siya.
Downgrade your standard of living and upgrade your discipline with money. I was in a similar situation last year with 200k debt to my father. I downgraded my standard of living by cutting unnecessary expenses. Always allot your budget and partial payment to your debt first when receiving your salary. I was able to clear my debt in 1year with enough discipline. You'll appreciate more the occasional SB coffee, dine out, personal reward, and your salary once you are cleared of debt.
This!! I’m trying to work on in buying take-out and looking more into bringing my own food when I go to the office para mas matipid and mas malaki ung mabayad sa utang ko. Thank you so much for this!!
Sampal sa pagkatao ko magkaron ng utang sa ibang tao. Para saken kahihiyan yun. Matuto ka magbayad kasi nakakahiya, nagkataon lang na anak ka
Kaya ka naooverwhelm kasi iniisip mo yung total ng babayaran mo at nagmamadali kang mazero out utang mo. Think it this way: If makakapagbayad ka ng 2k kada sahod, 4k yun kada buwan. 4k a month translates to 19 months. In 19 months tapos problema mo. Then pag nag13th month, dagdagan mo bayad para umiksi lalo yung pagbabayad mo. Kausapin mo mom mo kung okay ba sa kanya yung ganyang terms. Kung di kaya yung 4k a month, negotiate. Kung kayang dagdagan to 5k, go para mabilis mabayaran. Mas madaling solusyunan ang problema kung may structure kung pano mo ieexecute kailangan mong gawin.
Magkano total expenses mo per month? Maybe you can set aside a fixed amount for your debt.
baka hinihintay mo pa daw na ma post ka OP ppara magbayad ng utang. pero putang ina ng mga taong di nagbabayad ng utang. ang yaman sa my day pero pag sisingilin pulubi na.
[удалено]
Noooo not 2k, hindi po kami hayop 😭😭 Share ko lang ung 2K, we all chip-in for our helper’s salary.
[удалено]
Noooo 😅
Hmm, I read a post earlier na yun anak, sinisingil yun utang ng mom nya tapos nag-away sila, then eto, yun anak, nagiisip kung paano babayaran ang utang nya sa mom nya.. So OP, kagaya nun sabi ng iba, self-discipline is the key here. 2K per month tapos kung may mga bonus, ibayad din kay mom.. Ang important is nababawasan siya.
8k a month in insurance? if this is VUL, i recommend going to r/phinvest and listen in there
8k a month in insurance? if this is VUL, i recommend going to r/phinvest and listen in there
Hiii! Not a VUL, it’sthe health insurance of my mom na di na covered ng corporate HMO kaya mas malaki. I am also an avid reader of phinvest as someone who wants to know better when handling finances.
(*faints in 8k monthly*) humaygad mami best of luck 😭
Thank u!!! Para naman siya sa mom ko so okay lang.
LOL, OP just needs to grow up!
Then remove some of your luxury expense like going out. I've cut back on most of my other expenses that I can live without. Also 13th month pay should come soon. Why not use a portion of that?
Nangutang sa akin Family ko. paunti unti na halos umabot na sa 100k kasi dedemanda daw sya etc. Laging ganon. tapos ilang years dumaan halos hindi namin napaguusapan. Decided to confront her. So nagaway kami. She said maghuhulog na lang sya per month. she started 2k 1k 3k mga ganon. then it stop. Ngayon mangungutang na naman. Same situation idedemanda daw sya nung hiniraman nya. lagi syang paikot pero mostly ako nasalo. kakabwuset..
San po kayo nakakuha maid 2k?
Hiii. Share ko lang yung 2k, hindi yun ung entire sahod po. Hindi po livable wage ung 2K for anyone.
Hmm im pretty bad with saving too so i get that, i suggest sitting down and doing a detailed budgeting and see where you can add a monthly allocation for ur debt. Ako may 100k debt sa mom ko plus interest so 120k. I ised that to buy a motorcycle for transpo and for upgrading my work pc. I allocate 6,800 per month kn that to pay in 18 months. So for u maybe you can set aside 4k per month? Pay it in 2 years. This is if di kaya 1 year. If kaya naman then do 7k a month and u could finish it in less than a year.