Praise God, I was able to finally closed my high earning interest loan. Grabe, I realized how little lang nababawas sa principal. Biruin nyo I called last feb to ask how much do I need to settle 47k that time, then yesterday I called again and nagulat ako na nasa 45k pa need ko isettle. 3,884 ang monthly for 2 years term contract for 50,000 cash loan. Imagine in 2 months 2k lang nabawas jusq.
Learned my lesson the hard way, I will never take a cash loan again especially if its in home credit.
Last march or april, I was in a difficult situation.. Minsan umaabot na sa punto na pumapasok na sa isip ko mga suicidal thoughts para sa ganon mawaived na lang lahat ng utang ko. But May came.. last week problemado ako san kukuha ng pera plus the disappointment and numbing feeling of not able to get the part time job I badly needed.. but in just a day I was able to fully settled one of my biggest loans. And I know its God who did the work.
The reason I'm sharing it is because I hope you won't stop living.. please continue forward. I know how mentally exhausting it. I know how hard it is.. especially considering the relationship we value.. worrying their reaction once they found out. And how scary it is when our fears are bigger than our logic and faith.
But everything will pass. Maaayos din lahat. Ako malayo pa, pero umuusad na. I still have loans in maya, atome, sloan, equicom, maribank, pnb, bdo, and chinabank.. even all my government benefits were exhausted too. But I know na maaayos din to.. matatapos rin ako sa mga bayarin. One day at a time.
If you are reading this and in the same situation as well, please do not do tapal system. 🙏 If you can and have someone you trust in your family, please ask for help and make sure to return it when you can.
Face the consequences, wag na tayong tumakbo kasi lalo lang din lalake ang problema. I pray we all be able to get out of this situation. 🙏🙏