~141k loan bc of tapal system
hi i (24F) am new here and just really needed to say this out here hoping it would feel lighter if i share it out there (my family doesn't know about this)
currently my debt is now sitting at 141, 510 pesos (and going up as days go by due to penalties). started with 20k then found myself struggling to pay it on time so i resorted to getting loan from another ola then financially struggled again then loaned to other olas until it got to this point.
for context, this did not got here bc of luho, but bc malaki po responsibility ko sa bahay in terms of gastusin and sa tuwing my financial emergencies, sadly almost always ako talaga need sumalo nun. initial plan was to work to save pang medschool since i badly wanted to go for it, but reality slapped me hard once nagka job na ako. it meant bigger financial responsibilities and the reality na i can't be selfish esp since i had 3 other siblings na nag aaral pa that time. and so here i am, 20 months into work at age 24, with 0 savings but 141k debts to my name.
it is hard kasi im struggling alone and i can't even tell my family about this. i have lots of regrets and i wish i never got into the tapal system hole in the first place. alam ko naging irresponsible ako in a sense na maybe i didn't think it through ng maayos gawa ng pangangailangan ng pera but also natakot talaga ako na mag overdue for a few weeks kasi baka they'll go after me if i can't pay exactly on time, so i keep taking out loans to pay another loan
now, i have just recently decided to stop na the tapal system when i came across posts from other reddit ppl who had bad experiences with the tapal system. at first i really am very scared doing it bc im scared they'll come here (cebu city) and do home visits and my family would know about this. but i think that's the only thing i can do right now if i want to stop loaning out from A to pay my loan from B and prevent my debt from getting bigger.
i have loans po from Billease, FT Lending, Happy Cash, JuanHand, Mabilis Cash (android), Maya Credit, Landers Credit Card, Sloan and Spaylater. This all currently totals to 141, 510.
i have been applying around for online jobs since feb this year for 2nd job sana so i could have another income stream para mabayaran sana sya before 2026 ends (praying i can make this happen🙏🏻) but no success so far huhu sent more than 60 applications since then and most of them ghosts candidates :( it feels really heavy right now but im also doing what i can to fulfill my financial responsibilities.
would really appreciate any advice po if this reaches anyone, and please be kind with your words po 🫂