2 CCs. 818k. Need advice please
Hello. I just need some advice to the outstanding debt I am currently facing. I, 30F, only have 2 CCs with a total of 818k debt and want your advice on which direction kasi I feel lost na di sya nababawasan.
EW - 499k (no option sa EWChat for CTI) - min amt 18k
UB - 318k (156k converted to installment for 24 months) min amt. 17k
For UB around 20-25k kaya ko bayaran monthly, EW naman is minsan yung MAD or 20k max lang.
Summary: 2022- 2023 I was diagnosed with depression and undergo therapy. Helpful naman and naging okay pero pumasok sa phase ng "healing inner child" and "celebrate new beginnings" ang spending habits to which narealize ko na mali nakakapagbayad ako pero hindi in full and now ganito na sya kalaki.
stable naman fulltime work ko. Wfh mostly and less gastos. I am earning 70k monthly, pinush ko na din sarili ko na mapromote para sana mabawasan sya. Looking for a 2nd job is not yet an option since medyo flexible hours yung demand sa role ko :((
Wala din akong properties or assests to liquidate.
I stopped using my cards, locked na din sila ngayon, all bills and allowances ko lahat debit transactions, pero parang hindi umuusad yung monthly na nilalagay ko for payment.
I was thinking of using a personal loan pero hesitant ako kung maganda route ito. 850k for 36months then 39k monthly amortization to cover yung both CCs.
I was also thinking na bitawan ko muna si EW then isettle ko muna UB para at least may masettle ako din sya mga end of this year. Gaano po magiging impact nito if magOD ako? Or advisable ba syang gawin?
I also recieved a preliminary qualification for Debt Aid pero nagcheck ako and leaning towards bad reviews and scam daw ang process nila.
Thank you po sa maitutulong nyo.