i (37f) have been a long-time lurker of this sub-reddit, mostly because i was looking for others who are in the same situation as i was. wala akong masabihan ng utang ko, kahit bespren ko, out of fear of judgment and criticism. and for the most part, iniiyakan ko siya every night, wondering kung ako lang ba ito. i think siya nagdulot ng depression ko, haha.
i regret a lot of my financial decisions when i was in my late 20s-early 30s. magastos ako, maraming luho, mahilig kumain at magtravel until i realized nabaon na ako and hindi ko alam kung ano gagawin ko next. mahigit kalahati ng sahod ko, sa utang napupunta tapos minimum lang yun. nagloan ako sa sss and bpi to alleviate some of it pero wala ring saysay.
finollow ko yung mga tips dito: nag-snowball method ako. i cut down a lot of my luho (pero meron pa rin kahit konti, hihi). wala akong masyadong social life except for the usual hangout with friends na walang gastos. yung gastos ko sa luho has to come from cash i actually have (as in kung walang laman debit card ko, then wala akong pera). i locked down all of my cards. i had to look for a higher paying job tapos a 2nd job.
recently lang ako finally nagstart maka-ahon. right now, i've paid almost 140k already in loans and credit cards tapos may konting emergency funds na ako, finally. ang masasabi ko lang is, kaya natin to, guys! alam ko mahirap right now sa taas ng gastusin and there are times na gusto ko nang mag-give up, pero it's not the end of the world. laban lang tayo, and makakakawala din tayo sa utang one day.
salamat sa mga encouraging posts and comments dito. gusto ko ulet magpost pag ubos na talaga silang lahat.
eto yung mga utang ko so far na remaining:
BPI CC: 240k (minimum lang muna huhu until matapos yung last na CC)
UB CC: from 80k down to 45k na lang (matatapos ko na rin siya after 2 months na aggressive na bayaran, haha)
Metrobank CC: from 60k to 0
BPI loan: from 45k to 0
SSS: from 45k to 0