F 24. I'm overwhelmed (₱65k debt, no job and trying to get back on track) — need advice
Hi everyone,
I’m not really sure where to start, but I really need advice from people who might have been through something similar.
Right now I’m dealing with around ₱65,000 debt, and I don’t currently have a stable income. I’ve been trying to figure out my life again and apply for work, but I feel stuck and overwhelmed. I also wanted to take the Civil Service Exam and apply for government work (like PNP, BFP or similar paths), but financially and mentally, I feel like I’m not ready yet.
Part of my situation is also that I made some choices before that I now regret, and I’m trying to fix things step by step. I’m honestly anxious about my debt kasi almost everyday na ako tinatawagan, especially sa mga nautangan kong friends at kakilala ng friends na may mga written agreement na may interest din. Malapit na yung due and ayoko ring mapahiya sa socmeds. Natatakot din ako mag share sa family ko kasi ayoko namg dumagdag sa problema nila. As an eldest, ayoko na ma stress si mama kasi may high blood sya.
I do have some people I could possibly reach out to for help (like a relative who has been kind to me before), but I feel ashamed and unsure how to approach them without making things worse. I don't want also to share my problems to my boyfriend now that he's in traing sa PNP. Ayoko ma bumaba tingin nya saakin because of my finances situation. Alam kong pagod din siya don.
What I need advice on is:
What should be my very first step to get back on track?
I’m really trying to fix my life properly this time and not just escape problems. I've reach a point na kasi to hurt myself just to avoid or escape from all of this but I know that's not the solution.
Any advice would mean a lot. Thank you.