Hello! It's my birthday tomorrow hahaha. I have a trip scheduled to Batangas tomorrow until 19. I would really appreciate some company. I'll be leaving at around 2am tomorrow. Let me know if you're interested, so I can go pick you up haha. See you!
Problem/Goal: I need to raise at least 1M for my parents' debt consolidation.
Context: So, a lot of bad decisions have been made in the past. But not the gambling/ waldas type. More like, nabaon sa utang na loob.
So, my tita 1, dad's sister, kinda helped my parents send my siblings through college. In return, my dad takes care of our ulilang cousins and our stroke survivor na tita 2 in this big ass house in an exclusive subdivision.
So, of course kasama kami ni dad dito sa bahay with our relatives na inaalagaan. Si tita 1 is a US citizen, and nandoon siya ngayon. She asked us to live in this new house she had built para alagaan si tita 2. At first, reluctant kami kasi ang laki ng bahay, may swimming pool pa. Sabi ni tita 1, she will help us with the bills.
Until....
Ayun, when she left to stay na sa US, laging 5k lang ang binibigay na lang niya na ambag sa house. Para yun kay tita 2, sa kuryente and water niya. That's kinda unfair, kasi 24/7 siya naka aircon. The rest, kami nagbabayad.
Our electric bill averages at 12k per month, water at 4k. Plus yung food pa ng dalawa naming ulilang pinsan na walang work, pero sobrang lakas kumain. Kaming siblings, almost 12-14 hrs kaming wala sa house due to work. Our cost of living rose, kasi walang public transpo, mga 4km pa ang need to reach the subdivision gate. Sobrang hirap if hindi ka mayaman.
Kinakaya namin for almost 2 yrs now, but we're drained na. Cc bills are piling up and we fear na masira yung credit score. Gusto sana namin na iconsolidate na lang yung debts, kasi it will be a lit easier for us na mag ambag monthly than try to pay the statement balance every month.
Previous Attempts: I tried sa mga usual loans, like sa gloan, salary loan sa work, sss, pero mababa lang ang offer. Sa bank personal loans naman, parang di abot ng 1M and ang mahal din. I'm not very familiar with this kind of stuff kaya yan lang ang mga natry ko so far.