SMALL PROGRESS IS STILL A PROGRESS
Hello everyone, this community has been my coping mechanism since I started to stop Tapal System last month. Now I have a total of 37k OD and total of 110k debt. Last month I have a total of 150k. It's a small progress yet it was lighter na sa pakiramdam. Though I am still bombarded with calls and messages telling me that a field officer will visit my residential address. Wala akong magagawa. I am now committed with my plan. I am using the Snowball method. I have various due dates every month. I limited my monthly repayment to 10k since that is all I can allocate to loan repayment. I let the balances na ma od. I need money to survive para di na umutang ulit.
My mistake before stoppng: I pay everything I earn monthly and reloan for my needs which is veryvery wrong. From 30k total naging 150k dahil sa tapal ng tapal. Kaya wag niyo po gagayahin.
Lesson: Learn to prioritize your budget for a month(as tight as possible) and allocate an amount for your savings first bago ka magbayad ng utang. Minsan kailangan nating tiisin yung mga bagay na gusto natin para makamit natin yung ginahawa sa huli. Downgrade your lifestyle to minimize your expences and have more extra money to pay loans.
Rule: No reloan. If na short talaga na as in no choice, better umutang sa tao ng tama lang hindi sobra. Yung mababayaran mo pag nagkapera ka ulit. Pero as much as possible minimize reloaning kahit pa sa tao. That way you'll learn self discipline.
Ayun lang naman gusto ko i share incase there's someone out there na nasa situation ko when I started stopping. Kasi yun yung darkest moments ng life ko na na feel ko talaga na nag fail ako.
We will fall pero tandaan niyo, bilog ang mundo, kapag nasa ilalim kana wala ka nang ikakababa pa, pataas nalang destinasyon mo. Kaya kapit lang. Kaya natin ito. Walang itinanim ngayon bumunga agad kinabukasan. Be patient and learn to forgive yourself.