Planning to OD: Maya or Billease
28F Gaining insights kasi sobrang lubog na ko.
2023 Nalulong sa scatter yung husband ko. So to cover his bills, ako sumagot ng bills hanggang 2025. Di ko napansin na ako na pala yung lumulubog kakasalo. Ending ang dami ko nang utang 🫠
Marami akong lending apps, plus non-negotiable bills. Di ko na alam gagawin ko. Gusto ko na rin sana istop yung tapal system kahit na hindi na ko makapagloan ulit in the future as long as makawala na sa gantong sistema.
I'm currently working with 30k paycheck per month. Computing all my bills to pay - 46k in total. deymm short pa ng 16k. So I really don't know what to do.
Maya Loan (monthly until Oct) - 8,000
Maya Credit (interest only, 20k principal) - 1,700
Billease (monthly until Oct) - 7,500
I am planning to OD these two, although 6mos nalang sana tapos na sila. After a year of paying ng regular, hindi ko na talaga kaya kasi enrollment na so I need funds for my kid's books and school supplies. So far nakikita ko naman na changes sa husband ko, pero nasa recovery mode parin kami. May work din siya pero sakanya kasi bills sa bahay like kuryente, tubig, wifi and also other bills.
Alin po kaya sa dalawang ito ang nag hohome visit, yun lang talaga iniiwasan ko. I don't care if masira na ko sakanila or hindi na ko makapagloan in the future. That's for the better. I just want to survive nang hindi nararamdaman ng anak ko yung sitwasyon.
Any ideas please?