Hi, I feel completely helpless and overwhelmed by my debts.i have monthly salary 18k. 5k fixed na sya for bills and needs ko and the rest napupunta na sa pag bayad utang. For the past 8 months ganito routine ko. Para tumaas sahod ko mag day off lang ako isang araw per cut off and it made me feel even more lost rn. I’m scared that no matter how hard I try, I won’t be able to recover from this situation.
I’m scared that my debts might be posted on social media or that someone might come to my home address, and I’ve been carrying this alone because I’m the only one who knows about my debts. I feel overwhelmed and ashamed, and it’s making me feel helpless, but I’m still trying to find a way to fix everything and ask for help before I completely give up. I know I learned my lesson the hard way, and now I’m trying to face the consequences and make things right.
I truly want to fix my finances and become stable again, but right now I need guidance. Last year i had 150k debts
But some i already paid.
My remaining debts
Gloan 1 : 3,282
Gloan 2: 3,386
Maya loan: 11,400
Home credit: 8500 (overdue 6 months)
Bdo credit: 60k ( nasa CA na)