u/LeeJidong

I am an employee for nearly 4 years now after graduating in 2022. I work in a BPO company having a decent salary (bilingual nonvoice).

I had around 400k savings, then went on a trip to Japan, Korea, Hong Kong, and Thailand in a span of 18 months. That cut my savings down to 200k, and I entered into the worst financial decision of my life.

I started gifting Tiktok streamers and fell into a never-ending spiral of swiping and paying but no matter how much I paid, lumobo lang nang lumobo.

My 200k became 100k, and that became 50k and such. I quit in January 2026. At that time, I had 90k in credit card debt and was really struggling but I had made my mind fully about getting back. I literally zeroed out my savings and started from scratch.

I went to Thailand again for a much-needed breather and had to change my dying phone for a new one.

It is August 2026, and I am projected to reach 200k again by the end of the year. Thank God for enlightening me and for giving me the most expensive lesson of my life so far. I only have 4k left on my cc debt after having 50k-100k debt last year.

Any tips or sidelines I can do to augment my saving a little bit?

I used to put many posters up my wall with tapes of different variety. It has been there for nearly a decade and today I decided to remove them.

I tried a scraper and water but its so hard....

Any tips?