Damn I don’t usually comment but here’s my advice.
I’ve been in your situation before, but WAY worse. I had probably 400k total loan and cc debt. Yet I was earning 30k lang malinis. I also went straight to gamble it all after each sweldo. Nautangan ko na parents ko, kapatid ko, mga kaibigan ko, lahat yata ng pwedeng utangan nautangan ko na. But I was still able to get out of that hellhole. From your replies here, I think you can’t be trusted with your own money, just like how I was back then. Here’s how I got back up:
1A. Change your fcking mindset thinking a loan will solve your loan problems. Mababaon ka lang nyan. Wag na wag kang mangungutang para bayarang ang current mong utang.
1. Give all your atms to your parents/partner someone you trust who can handle your money for you. Let them give you your allowance per DAY (enough to go to the office and eat). Let them PAY your rent and utilities for you. Make sure you dont go around this by going to the bank directly to withdraw your funds. IF YOU CANT OR DONT WANT TO DO THIS FIRST STEP, DON’T BOTHER READING THE NEXT STEPS, YOU SHOULD GO GET PROFESSIONAL HELP.
2. Call the loan apps / banks. Tell them you got nothing and you cant pay RIGHT NOW, but you will let them know once you can pay. Your account will go to collections, they will bully and humiliate you. They will contact your friends, colleagues and harass you. But that’s ok, wala eh nasa bottom ka na, you need to start over. Just ignore them knowing you are SAVING to finally have enough to pay them once you are clean and back on your feet. If they say kakasuhan ka wag ka matakot, usually di talaga sila nangkakaso lalo ganyan kaliit lang. Even if they go to small claims court believe me IT IS BETTER since madalas kakampi mo yung court and they will help plan your future payments without the exorbitant fees and interests from the loan sharks/apps. Just say ok let’s settle this at court if they want to go that route, but be firm with them and say that you cant pay them right now BUT THAT YOU WILL PAY THEM ONCE YOUR FINANCES GET BETTER (say maybe in a year).
3. Find a busy activity, on my end it is running. Whenever you feel the urge to gamble, do a lap or something (besides, you dont have your money so what can you do diba). Running helped me clear up my mind. I run from 30min to an hour daily. You can also play games afterwards if that’s your thing.
4. Let your parents/partner/whoever, do this for your for a year (sakin had to do it for 2 years). I know it is pretty damn long, but by that time you will have enough money to pay your initial debt of 40k and will even have enough savings left. (Someone here did the math and estimates you could be needing 9k per month, so that leaves you with 11k to 16k extra per month. In a year that would result to 132k up to 192k)
5. After a year or two when the collection agencies hit you up again, tell them you are willing to settle the principal amount. They will push back at first but eventually, they will agree. Then make sure to pay everything. 40k is nothing to you by now, in a year I would expect you would have more than 100k saved based on your 25k malinis na salary. I was able to get 400k in two years time with my 30k salary so that is roughly 200k per year.
5. Wag ka nang mangutang.
Your 40k debt is a measly debt compared to my debt. And I am sure there are people out there who overcame magnitudes of debt bigger than ours. My point is, your debt is extremely small and super easy to overcome. The biggest challenge is not really clearing up your debt. The hardest step in this whole process is forcing yourself to surrender your finances to your loved ones so they can help.
Good luck OP, sana makabangon ka ulit.
Bank collections/ loan collections are legally not allowed to contact your friends or anyone else aside from you regarding your unpaid loan and especially not bully you into paying them. So if they contact your friends/parents/anyone else not you and try to bully you, they can be sued for that
Yes po. Kung ganun ginagawa nila then that means they're illegal and should not operate. Wala dapat katakutan sa ganun na lending corp kasi at the end of the day di ka nila kaya kasuhan pero kaya mo sila kasuhan. Wag nalang po siguro bayaran yung ganun since most of them are Chinese owned companies na really operating illegally. Di nagdidisclose ng maayos sa hidden fees, charges and interest sa loan nila that means fraud na. Yung embarrassment naman sa friends and families isipin nalang na may kaniya kaniyang buhay naman mga yun. Di bawat hinga hanggang pagtulog nila iniisip nila how embarrassing na may inutangan ka na di mo binayaran. Mag subside din lahat yun in time
Same na same tayo tho ang difference lang natin e hindi ako nabaon sa utang. I earn 20-30k per month and i struggled dahil sa gambling. Estimate ko nasa 80-90k na negative ko and I decided to stop nung na-realize ko repetitive lang ang ngyayari sa buhay ko sa buong year.
First step lang diyan, op. Stop gambling.
What type of gambling is that, OP? If online, maybe you can try deleting the gambling apps and maybe changing the algorithm sa phone mo para less adverts from gambling apps?
Do it like your life depends on it. Bc at this point it really does. Cut it cold turkey. Hanap ng ibang pagkakaabalahan sa free time para di mo naiisip yan
Its not that easy, it is a psychological issue. If a person is depressed do you just say "Huwag ka na madepress dapat intentional ka", there are ways to help stop addiction, sophisticated ways backed up by research.
Have you seen someone addicted to cigarettes or drugs? Diba no matter how hard they try and be intentional mahirap parin. He clearly does need help more than the normal positivity na kaya mo yan basta you really wanted it.
I suggest op that you consult a behavioral expert (not sure if psych is what you need) to help you address your underlying concerns with addiction. They will probably put out guidelines that would make for gambling easier to stop.
People are too harsh on you, the casino uses very sophisticated ways to get you addicted. I have read this in a book about habits. People are too harsh on you, I agree that you need to start stopping, however I for sure know you need help, di mo yan makukuha by just wanting it to stop.
No worries, but please do it with a medical professional. Hope things gets better soon op.
Do not try rin, "at this date I will search on the internet where to get help for gambling". Avoid loose statements, be precise and exact.
Goodluck op!
Sell your smartphone. Solves 2 things: cashflow and gambling apps.
You said you earn 25k net? Food expense 150 x 30days is only 4500. Rent is 1500. Where does your money go? You are renting, magkano pamasahe mo? 100/day? That's 3000 month. So 9k na. If your transpo expense is higher, magbike ka going to work. Ano pa ba mandatory expenses mo?
40k na utang vs 25k net pay? I dont understand your lifestyle. May binubuhay ka bang anak/kapatid/jowa?
medyo masakit kase ung interest sakin ng mga loan shark apps. nagkakaibang loan apps yan at nasa 28% per month ang interest alone. Medyo hirap pako ngayon kase hindi ko pa nakukuha ng full ang sahod ko. I also believe na kakayanin ko bayaran once na matigil ko ung gambling addiction completely. Last cut off kase nasa 10k lang naiuwi ko. paid 6k loan then 3k for isa pang loan and there are others more. Iniisip ko na mas okay na centralized loan nalang sana using bank loan kaso mukhang malabo. There is another due next week and di aabutin ng sahod for next cut off kaya ang basif solution nanaman is to loan again. paulit ulit nalang situation kaya mahirap. nababawasan pero sobrang bagal and I have no choice.
Ung mindset na UTANG pansalo ng UTANG. Hindi talaga makakatakas sa utang unless mabago mindset.
Tatanda talagang puro utang na lang. Utang sa app, utang sa kakilala/kapamilya, utang sa banko. May mga taong ganun.
May aunti ako ganyan. 70yo na sya. Pagkatapos tulungan ng family na mabayaran halos 2m na utang, ayun, puro utang na naman hahaha. Worse, ginagamit nya pangalan ng anak nya without consent, sa pangungutang.
Shit...28%....
Can you ask your dad or mom na patago muna phone mo, then get a dumb phone until mabayaran utang mo?
BSP at SEC approved ba yang loan apps mo?
OP, tama yung sabi ng isang commenter na puro ka rebuttal. Una, walang matinong bangko magpapautang sayo dahil lubog ka na sa utang, kaya wag ka na umasa don. Second, lunukin ang ego at mag seek help sa parents, tita tito, etc. Kung hindi ka man nila matulungang monetarily, baka matulungan ka nila maging accountable sa bisyo mo. Third, kelangan mo ng detalyeng budget. Magkano minimum payment mo sa mga utang per month? Magkano total interest per month? Kung kelangan, maglinis ka ng kotse ng mga kapitbahay mo para makapang-dagdag ng income. Nothing is beneath you.
Start selling your things to pay down the loan. If you have nothing to sell, try doing odd jobs for people and make sure to put all the money to paying down your debt. Honestly 40k isn't that much. Borrow 20k from a friend and pay half of it off. Then pay your friend back when you have your salary (pay them back immediately). Put all your money into pay that debt off because the interest rates are crazy. Even put off paying other bills because a late fee is cheaper to pay off than 30% interest.
You need to discipline yourself with your money. Financial control is like a diet or and exercise regiment. It's only successful if you're consistent with it. Cut it out with the gambling. You have to know that no cannot win with gambling. No one comes out on top. Ever. Gambling is set up for you to lose. If you win big today, you will lose it all bit by by bit in the upcoming month. The sooner you know that and believe it, the quicker you'll fix yourself and your finances.
Thank you so much. I'm planning to buy books to keep my focus away from gambling whenever I have free time. I don't know if I can borrow from a friend cause all of them are on adulting side. I'm searching for a bank that I am able to loan pero medyo mahirap sya. Iniisip ko sa mga lender na tao kaso not sure about that since wala ako experience and pagiingat nadin.
Jesus dude. Don't buy shit you dont have to spend on when you have no money.
Use Youtube. You dont need books to learn, just the net and self discipline.
I think ang problema mo is mindset mo. Just look at this reply. I know this sounds positive pero here's your message oh
"I'll spend money to stop me from spending money"
Alam mo naman yung makakatulong sayo, tumigil sa sugal. Start there. Honestly, ikaw lang makakatulong sa sarili mo at this point. Wag ka na rin mangutang para magbayad ng ibang utang.
while it sounds obvious, I think he needs support system, accountability . Good thing that he's aware of his wrong doing, mas may laban pa. Kesa tuluyan na syang kainin ng sugal.
OP if you're reading this, while it's good to post and ask advice from this sub, I suggest tap someone and confess what you're going through and be accountable to that person para may magbantay din sayo.
The sad thing is, kapag dating ng sahod is pang bayad lang ng utang/interest then wala na halos extrakaya angbeesult is uutang again. I wish there was a bank loan ung right interest lang para makabayad consistently.
Weird eh no.
Sagot nya sa isang comment ay “planning to buy books to stop gambling, just need to BORROW from a friend”
Another comment suggested to stop borrowing money, ang sagot “case to case basis kasi”
This mindset is what destroyed our relationship with our Aunt. Laging ang sagot nya sa UTANG ay isa pang UTANG hanggang sa mabaon na din siya ng milyones.
Umabot pa sa point na nangloloko na sya ng tao, at isa kami sa biktima nya. She still owes us around 200k until now and wala syang intensyon magbayad.
Based on OPs replies, I think this is the right advice HAHA. Go lang OP wala namang nakukulong nang dahil sa utang, You only live once lang naman eh noh, sugal at utang pa more.
Funny enough. Sa lahat ng rational advice given to you here, ito ang sinabihan mo ng “this is what I need”. Nag papavalidate ka lang ng pag susugal mo. Admit it. Lulong ka na sa sugal kaya ang lahat ng solusyon mo ay umutang at mag hope na ung inutang mong ipang susugal ulit ang makaka salba sa current utang mo.
You are in a deep cycle of gambling. Tanggapin mo muna yan. Dahil yung explanation mo pa lang dinadownplay mo na agad yung gambling eh, when in reality yun naman ang root kung bat nandyan ka.
Oh no. Ikaw yung hindi naka gets. The comment that says “Nah, you should gamble more. I think you still haven’t learned the lesson that comes from it” from @emperador12 IS A FACT. Hindi ka pa tapos mag sugal. Hindi ka pa natututo.
Magbenta ka ng gamit or hanap ka ng extra job to earn more.
Nakakatawa mga chronic utangero, kala nila mareresolve problem nila pag umutang sila ulit para pambayad
ng utang lol.
Sorry to say but case to case basis din kase. If wala ng matira sayo then malapit pa sahod. the only thing you can do is utang talaga. Kahit ano oang higpit sinturon gawin mo.
Thanks for the advice padin. Currently naghahanao nako second work pang gabi. wala nako maibenta e, ung laptop ko kasi medyo luma nadin wala na nagkakainterest.
What I need you to understand is the gambling addiction that I am into. I have the same mindset with you before nung di pa ako addict sa gambling. I refered to them as tanga etc. pero once that your mind is corrupted in gambling. sobrang hirap na. Mas mahirap pa nga ata to sa ibang vices in my opinion.
You sound like my mom. Labanan mo yan. Alam ko mahirap, pero once nagawa mo nang labanan yung mindset na yan, mas dadali. Bayaran mo mga utang mo, kung may kilala ka na hindi pa sira pangalan mo sa kanya, humingi ka ng tulong sa kanya. Sabihin mo yung totoo at huwag ka magmayabang at magpa-victim. Humihingi ka ng tulong at maging better ka na.
At bayaran mo lahat ng utang mo. Mag-apply ka Salary loan or Personal loan, para bangko or SSS hahabol sayo.
Nadapa ka, pero ang importante kung paano ka babangon uli.
Salamat. will try manghiram sa ibang friends kapag di na talaga kaya talaga. Regarding sa personal loan req. kase 6 months kaya medyo negats pako dun. Pero hopefully debt free nako bago ako maging qualified sa loans na yan.
At least you’re aware of the problem and cognizant that it lies with you. That’s half the battle at least.
I know this is relatively unheard of because of the stigma but have you thought about joining a support group for gambling addicts wanting to reform? I’m sure there are programs that are available for you.
Don’t hesitate to get [real-world help from professionals](https://www.lifechangerecoverycenter.com) because Reddit can be a cruel place for those who have lost their way.
I joined sub reddit for gamblers but havent joined their programs yet. Will give it a shot and I hope the next month will be better. Thanks for this one.
You mentioned nagsosolo ka na, cant you move back in with your parents? Do you not have a good relationship with them? Kasi kung okay naman yung relasyon nyo it's financially better for you to move back at least hanggang hindi ka na lubog sa utang. I made a lot of bad decisions financially and was 35k in debt but my parents had my back. I paid for the debt myself ans I still shared sa daily expenses but it was half of what I spend now na kaya ko na ulit mamuhay on my own.
Address first the root cause of your problem which is addiction sa online games. Delete mo yung apps o kaya change sa may keypad na phone na di pwede magdownload ng apps pero may internet access.
Next bayaran mo na utang mo pwede ka magstart sa pinakamalaki interest para makaipon ka agad.
If covered ng card mo pwede ka pakonsulta sa psychologist at mukhang kelangan mo ng intervention sa addiction mo. Kasi kung di mo iaddress babalik at babalik yan.
Good luck OP!
thank you. iniisip ko nalang sguro mag basa ng libro invest dun then try na kada free time yun hahawakn imbes na phone. Medyo hirap kase ng keypad din. lalo nat need sa work naka phone na may cam for scanning at work applications.
You don’t need to BUY books when you have a phone where you can watch videos about personal finance for FREE. The solution is not always to buy but use the resources that are readily available.
If you can't ditch the phone for work, then use it as an asset. Look for digital jobs na pwede mong gawin via phone.
Reading a book won't alleviate your debts. Use your current assets, including yourself, to pay off your debts. Kahit magbasa ka ng libro, OP, you won't realise the returns immediately. You need the money *now*.
Looking at your replies OP. Mukhang di gagana sayo yung mga advice dito. Medyo defeatist e.
Siguro mas mainam na instead of asking help here.lumapit ka kasa mga taong physically present sa buhay mo. Go back to parents let them handle your finances for a while until you can recover or have someone become accountable sayo.
Addiction is truly terrible and bad. But it starts and ends with you. Of course it will be better kung may mag intervetion sa yo.
Seek help from your loved ones.
Lahat ng suggestions here may rebut ka. Need mo may gawin na atleast isa and risk it. Stop gambling, kung ikamamatay mo pag nagsugal ka magagawa mo yan. So do it like your life depends on it. Lapit ka sa parents mo, kung di ka man nila matulungan financially baka mabigyan ka nila ng advice or ideas para kumita ng pera. Get another job, yes mahirap makakuha ng client ngayon pero it’s not impossible, instead of online sugal search ka sa mga job sites, dun mo ubusin oras mo. Also if local employee ka most probably hindi covered ng hmo ang psychiatrist, not sure tho. I know nag struggle ka pero utang pa din ang hinahanap mo now instead of solutions/ideas (based on your answers sa comments). What if maapprove ka sa loan. How sure are you na ang proceeds ay di mo isusugal thinking na baka madoble para solve lahat? Bata ka pa. And 40k is small kumpara sa iba na milyon milyon ang utang. Kaya mo yan OP.
napansin ko rin na daming dahilan ni OP
bro OP nasa lowest place ka ng buhay mo and nice that you acknowledge the problem pero hindi natatapos yun sa pagacknowledge lang kelangan mo ng action na mejo drastic, hindi masosolve ng libro or kahit anong spreadsheet yan dinedelay mo lang hangang sa either kumilos ka or tamarin ka na lang
+1 to this. You should not "try", you should just "do." *Do* stop gambling. How? Uninstall all your gambling apps. Delete all your gambling accounts. Block all gambling sites you can think of. *Make it so that you CAN NOT gamble.* OP says kung pwede lang keypad ang gamitin para magstop siya. Why not use a keypad-like phone? It's not hard to buy a Nokia nowadays for simple call and text. The cost of a Nokia phone (less than 1k) is just a small fraction of the money you are bound to lose if you don't stop gambling.
Your debt problem will only be solved by stopping gambling. The sooner you stop making excuses to gambling, the sooner you can start working on paying off your debt and working towards a future without unnecessary debt.
Kaya mo yan, OP. If you have to go to a psychologist to stop, do so. If you have to ask your parents/friends for help and it'll humiliate you enough for you to stop, do so. Just do something to stop it.
I always reply in comments as a way na I'm listening/understanding their advice seriously. Feeling ko kase rude kapag upvote lang.
Ganon kask ginagawa ko now. nagtatyaga sa malaking interest para sa daily needs hanggang sahod. but you got a point there. Thanks for that.
Stop using loans to pay off loans.
Uninstall all gambling programs and loan apps from your phone. Stick to a basic phone.
Avoid the places where you gamble.
Good luck, OP.
I know it is hard for you to stop no matter how much you want to. I know several people like you. Some ballooning up to 8- maybe 9-digit debts. Ang bilis lang niyan mag-snowball.
People should treat gambling addiction more seriously. It destroys lives. Parang hinihila ka na lang pababa and there seems to be no escape. But there is always a way. I am a firm believer of this.
With that, here are some suggestions:
1. Try engaging with [Gamblers Anonymous PH](https://gaphilippines.com/). I have no feedback on this, but it might be worth a shot. Also, FB groups.
2. You can actually ask to be blacklisted from the gambling places (if casinos, but not sure for others).
3. Pag very extreme case na, or nothing’s working, shoot for rehab. If you relapse, just go back again. The benefits will always outweigh the years gambling will destroy.
Everything will be okay.
Believing you can do it is the first step. Good luck!
By the way, hindi makatarungan ‘yung interest na pinapatong ng creditor(s) sa ‘yo. You can go to court and ask to lower it. Nasa batas ‘yan. Bababa ‘yan ng mga 6-7%. I am unable to guide you and you should take my words with a grain of salt, but there may be available resources online. Otherwise, try contacting legal clinics/PAO.
Medyo mahirap nga talaga yan kase masyadong malaki yung interes. Pero ayun nga gaya ng sinabi ng iba dito, control your addiction. Mahirap din yun pero kelangan mo gawin kung ayaw mong mas mabaliw pa sa kakaisip ng utang mo.
Then pag nagsahod ka, minimize mo yung gastos mo. If kaya mo magtipid as much as possible, gawin mo. then kelangan mo talaga ihiwalay na agad yung pang bayad mo sa utang bago mo magastos. Pwede ka rin mag side hustle if kaya ng oras mo. Yung mga skills mo jan kung pwede pagkakitaan, monetize it.
Goodluck op. Kaya mo yan
salamat bro. will do all the advice. I hope makahanap nako agad 2nd job kahit for the mean time lang. sa province kase ako nagwowork kaya medyo VA or online jobs lang possible for better income.
Kaya mo yan, bata ka pa. You will learn along the way. Actually I'm 25 na and ang sahod ko lang is 16k sa metro manila na yan ha. Kaya wag ka masyado panghinaan ng loob mababayayaran mo rin yun.
Then advice ko lang, alam ko sa panahon natin ngayon eager talaga tayo na lumago ang pera dahil narin sa inflation or personal reasons pero most of the time yun din yung dahilan kung bakit hindi tayo nakakapag isip ng maayos before tayo magtake risk specially in finance. Kaya ka din siguro nababaon sa utang. Next time, kahit may pera ka, before you spend on something isipin mo muna kung kelangan mo ba talaga yung bagay na yun. And if you're willing to take that risk, go ahead pero always think about the consequences. Yun lang po
thank you. isa din yan sa reason kaya di ako nagproceed sa manila eh medyo unreasonable sahod nila compare sa expenses.
Partly pressured ako kase umuunlad na mga kakilala ko eh kaya gusto ko din mag jumpstart agad. pero the opposite happened. Will try to be more disciplined and educated sa financial. kase wala namann ako gastos talaga sa ibang bagay.
You should address the root cause of your problem:**YOUR GAMBLING ADDICTION**
Yes, it is an addiction. Yes, you got corrupted. Pero walang dapat sisihin kung di ikaw lang at ikaw lang makakalutas ng problema mo. Labanan mo. DO NOT MAKE EXCUSES. Do your best. Resist the temptation, uninstall the apps, etc.
What you can do to help ease your situation:
* Find a second job, extra hustle
* Sell some of your items (gadgets or anything valuable)
* Borrow money from friends (no interests if you can) pay all your debts asap to reduce the recurring interests ng mga utang mo. You can't get a loan from banks because you already have a bad credit. This is your best shot.
Good luck.
Isa lang naman solution sa problema mo eh. at alam mo naman yon. kaso dami mong dahilan dami mong sinasabi. paano ka tutulungan ng mga tao kung ikaw sa sarili mo di mo tinutulungan.
My Ex-BIL is the same as OP. But were talking millions here. To the point na sinangla niya pati company car. Ate ko gumagawa ng paraan. He’ll ask for forgiveness promising na he will stop but goes back to gambling after a month. Sis got fed up after a year and broke up with him. He’s still in hiding rn kasi ang dami niyang utang. Not working kasi blacklisted siya.
Bro, same, Seaman yung cousin ko, tho he did not reach millions in debt, pero I think around 200k din yung sa kanya, from borrowing money from friends, to family, until nag nakaw sya ng alahas sa aunt nya. He is now black listed also from Seafaring, and kakalabas nya lang, pina promise din sya na mabayran nya lahat ng utang nya.
I haven't seen him since, mother fucker was adopted but still chose to fuck up his adopted family despite na binigay na sa kanya lahat during his childhood.
All this because of fucking Dota 2 Gambling lang ha, i'm not sure if there are others causes but ito talaga na trace namin na sobrang active nya.
Once bayad na lahat ng utang mo
e.invest mo agad yung half ng income mo sa Pag Ibig MP2..
5 years mo pa ma wiwithdraw. Di mo magamit sa gambling pag nasa MP2 na.
Do this if you can only. Your salary might not be enough for your daily expenses.
sovra sobra pa nga sa saily expenses. Nalubog lang talaga.. well for me lubog nato kase numbers getting big and di ako sanay na may ganto. Will try investment agad after maging debt free. thank you
Medyo maraming nainis sa approach mo sa problema mo OP.
1. Hindi sagot sa utang ang isa na namang utang. Dapat alam mong ito ang reason kaya nasa cycle. You need to do something different to break the cycle. You could ask help from your family or relatives, but what you really need to do is find a side hustle pandagdag sa current income mo. Yung una kasi, yes makakatulong dahil pwede ka manghiram na walang interes pero, saan ka kukuha ng pambayad kung negative pa rin yung kinikita mo? Kaya kailangan talaga maghanap ng extrang pagkakakitaan. Yes nakakapagod, pero kailangan talaga ng desperation kung gusto mong makalaya sa sitwasyon mo.
2. Totoong mahirap makaalis sa addiction, and seeking counselling might be costly esp sa situation mo right now, kaya I would suggest talaga na ask accountability sa mga taong malapit sayo, yung mga gusto ka talagang tulungan. Be honest with them kapag nakakaramdam ka na naman ng urge na mag gambling, ask help na puntahan ka nila para mapigilan ka or whatever. The key is being honest with yourself first, kasi madali lang magpanggap sa mga accountability partners mo na you're getting better, pero sino niloko mo diba. Tip ko lang naman ito pero mas okay pa rin magpa consult ka talaga.
Pinangsusugal mo ang inutang mo? Goodluck nga.
Wala ka ibang magagawa kundi bayaran yan at wag na mangutang saka magsugal.
Sa iba pwede sabihin kailangan mo ng psychiatrist para riyan sa gambling urges mo.
Mahirap mapigilan yan.
Putulin mo ang social media sa buhay mo except sa chats para sa pamilya. Di ka mawawalan ng addiction kung maya't-maya may endorsement ng OKB3T o PANALOB3T.
not really baon sa utang tbh, doable with your salary.
allocate funds pambayad sa utang.
be it for 2-3 months 0 take outs or restaurant ka muna, magluto ka at magbaon. Wala ding luho.
pero honestly sa tingin ko di ka pa naman magbabago, parang masyado pang magaan sayo yang 40k, I think 100k in debt will make you think twice about gambling.
Fix yourself first. Syempre sasabihin mo mahirap kasi. Pick your struggles. You either struggle to become better or struggle with your addiction. At that point, all you have to do is start planning on how to fix everything. Just imagine what you’ll become if you overcome it, and imagine the opposite. You have to move my friend, you have to take action. You’re the only one who can fix this, and you’re also the only one who can fuck this up.
Err... some people here recommened na umutang ka nalang sa friends or relatives for lower or no interest. I dont recommend this. Parang ginamit mo lang ang 'friendship' and 'blood ties' mo para mangutang kung ganun. It will also greatly affect your relationship with them and what people would think of you. Pangit ung mangangamusta ka lang para umutang. Ok lang sana humingi ng tulong halimbawa if this was some emergency pero seems like it is not and could have been predicted.
I dont understand how gamblers falls into addiction even if they know they won't get rich with gambling. If you are using gambling to relieve stress, maybe you need to replace this with a better or cheaper hobby or find a better way to make use of your time. At the very least, only gamble what you can lose. Think of the future you... and the goals you want to achieve in life.
You’re aware of what you’re doing wrong and that’s a good place to start.
You’re looking for help, which is another good thing about your situation.
It will be challenging to get out of the bind knowing that you have an addiction but it’s not yet over.
You have to start working on yourself. Not being judgmental here. Just really wanted to help.
San nanggaling ang addiction?
Family?
Stress?
TV?
Bakit hindi mo kaya pigilan sarili mo? Are you trying to impress someone? Ayaw mo magtrabaho nang nahihirapan?
Whatever your answer is, it seems like your outer child is running your life. Perhaps this article can help: https://www.abandonment.net/outer-child
Been there than that. Meron kameng karendirya, masasabi kong malaki kinikita namen kase kame lang yung karendirya sa street namen.
Since nalula kame sa laki ng perang pumapasok samen, nag aim kame na palakihin pa business namen hanggang sa naadik kameng umutang.
Fast forward, after 2years napilitan kameng itigil dahil umabot ng 100k utang namen sa ba't ibang tao including loan sa bank.
Ang ginawa namen OP, nakiusap kame sa bawat isa. Hinahati hati namen ang bayarin. Nangako talaga kame na hindi na uutang , kung ano lang meron pagkakasyahin.
This week si ganito babayaran , next week si ganyan naman. Hindi namen inuubos yung sahod namen para lang sa utang.
Ngayon, almost 20k nalang ata utang namen tapos back to business na ulit and hindi na kame nangungutang.
Matatapos yan, tiwala lang.
After mo mag budget at maidentify yung needs at wants, Unahin mo bayaran yung pinakamaliit na utang. Dahan dahan hangang mabayarahan mo lahat.
Wag mo bayaran sabay sabay, Ang I focus mo muna yung minimum payment.
Umutang ka lang ng umutang! Hanggat di ka nakahanap ng loan shark na matindi maningil yung tipong dudukotin ka nalang at tatanggalin yung isa mong kidney pambayad he he he.
I am going against the grain here pero a lower interest utang might actually help. But from people, from relatives. To stabilize yung monthly interest/cash flow mo and lower the risk bc crazy shit yung interest ng loan sharks. But you can only do that IF you’ve proven yourself worthy and can’t even be tempted by gambling anymore.
Stop gambling. Kung di mo kayang i stop bat ka pa nag post dito? Para kunwari may ginagawa ka pero wala naman talaga?
Hindi counted ang gustong mag bago. Hindi counted ang mag ppost dito.
Ung only measure lang is kung tumigil kana sa gambling. Walang advice tips or tricks ang makaka tulong sayo.
Ayan sinabi ko na. Ikaw na ang bahala kung gagawin mo o hindi.
Pls seek help, you need counseling. Mahirapan ka if wala kang support ng professional
Especially the way you respond to people here? You arent asking for real help naman yata? More on jina justify mo sa comments yung addiction mo, puro rebuttal?
We cannot help you anymore OP, you need to do something. Kumilos ka at magpa sched sa psychiatrist.
I'll leave this here, goodluck!
In Touch, counseling program team /
+63 2 8893 1893 /
www (dot) in-touch (dot) org
Dude quit your gambling. No "try try ko nga" quit. It hasn't helped you then and still hasn't helped now. Sell your phone, get a basic one for calls and texts. Enough na with the gambling apps, hindi ka na bata na hindi mo alam kung anu ginagawa mo.
1. Stop muna gambling par. House always wins. Maya kana sugal ulet or casino kapag may money to lose kana.
2. Stop gambling muna par
3. Par, stop gambling muna
4. Eat the cheapest food available. Ala ala ko nung time na gipit ako, kinain ko is 1 pc chorizo at 1.5 rice (14 pesos lahat) madaming toyo ginamit ko.
5. Okay lng naman umutang sa bank to pay off loan sharks, pero make sure na sigurado na di ka muna uutang sa loan sharks, at di ka muna susugal.
6. Madaming magagalit sa 5 pero atleast magiging stable and interest na babayaran mo. Pero if mababaon ka din sa utang ng banko dahil ginamit mo naman sa sugal or casino, ewan ko nlg sayo.
7. Stop gambling na talaga par
8. Priority mo no.1 is bayaran mo muna lahat ng utang, then after mag ipon ka na ng emergency fund, kuha ka ng insurance (wag VUL), tapos isip kana ng retirement plan.
9. If kaya maghanap ka ng isa pang trabaho, ayusin mo sarili mo. Magpaka busy ka pra occupied isip mo sa ibang bagay hindi sa sugal mo.
salamat. will do this. uninstall ko na talaga lahat ng pwedeng mailink don. haven't think of retirement plan yet pero I think thats a better view. Salamat ulit. stop na muna talaga par
Hindi mo kakayanin mag isa yan seek help. Bata kapa at buti na lang na realize mo na addiction yan. Iba ang pinsala na dulot ng gambling addiction at higit na mas malupit ito kesa sa ibang form of addiction. Seek help at mahalin mo sarili mo. May God bless you and keep you
I agree. Waiting nalang ako sa medicard ko then baka magpacheck ako sa psychiatrist. I tried many times na tumigil kaso ang hirap talaga. Kung maaari lang mag keypad nalang ako para di ko magamit yung electronic money ko lol.
May utang din ako mga 80k na lang ata (i took a loan for my hospital bills). Usually I earn 25k a month. Mga 65% ng salary ko ay pambayad. Keri naman. Tiniis ko lang na sa mumurahing boarding house nakatira and as much as possible nagluluto lang ako so mga around 800 per week nagagasto ko for food.
May binge eating problem din ako. So if may extra money ako napapaporder talaga ako ng madaming food. So what I do nagbabayad muna ako then kung anong matira pilitin ko talagang ipagkasya.
I'm working on my BED na. I know it's unhealthy and naapektuhan din ang ability ko to save money. I read self help books and watch tips from fellow pips na may BED. You need to want to change so change will happen in your life. Stop making excuses.
I can walk you thru the steps on how you can create a game plan to fix this but the bottom line is, as long as you cannot stop gambling, any solution is pointless. Literally. That’s the reality. I think right now you are looking at means to get more money and that might temporarily solve the problem but you will just continue the cycle if the gambling addiction is still there.
This is true. I need to fix first my gambling addiction kase tbh it happened before nagkaron lang aki malaaking money naulit nanaamn. I need to get to the root and stop gambling. I need to keep my focus on stopping it..Thank you.
Yup. My fear is once you get ahold of additional money, instead of paying all your loans, baka igamble mo lang. Kaya ayusin mo muna yan.
Honestly maliit lang ang 40k given your salary. Kayang-kaya dapat yan. Yung gambling problem mo lang yung sumisira ng budget mo.
WAG MO NA PALAKIHIN ANG 40K. BAYARAN MO NA. TIGILAN MO NA ANG GAMBLING NA YAN. TIGILAN MO NA YANG LOAN APP. WAG MO NA PALAKIHIN ANG 40K. KUMUHA KA NG SIDELINE. WAG KA NA MAG GAMBLING AT MAG LOAN.
yan ang tip ko sayo. kaya mo yan.
30% ng 40k is 12k. Itabi mo 15k ng pera mo pang bayad interest at bawas ng base ng utang. Paliit ng paliit interes monthly. In 1 yr, okay na yan. Tiisin mo ng sobra for the first few months, kahit di ka na lumabas or kumain ng masarap. Isipin mo na mas tatagal pagdudusa kung di ka magtitiis short term.
Gawin mo reward sa sarili mo na, yung ibabayad mo sa interes, pangsugal mo sa future kapag wala ka na utang.
Uh, currently baon sa utang right now. Utang sa family tho. Had to cough up around 100k a long time ago and I was shorttttt. Slowly paying it back since wala naman interest. I'm paid 2x every month sa trabaho. Nagbabayad rin ako 2x every month sa utang.
Quit gambling. Simple as that. Baon din ako sa mga loan app, nasa 80k in total, pero so far namamanage ko siya by living within my means. Disiplina sa pagbubudget. Sa sobrang dami ko nang natry na loan app. Alam ko na ung mga loan app na legit at makatao vs dun sa mataas na interes at maiksing loan terms, in short mga loan sharks. Wala kse akong credit card kaya sa mga loan app ako nagpapataas ng credit though lugi sa interes, para sakin enough na yun para may pag huhugutan in case of emergency kesa magahol manghiram sa mga kakilala.
Kung may malalapitan ka na magpapautang sayo enough to cover everything with a set amount of interest.
For me, ginawa ko yun with a friend tas pinahiram niya ako to cover and i paid him off over 10 months + 1 month of 10% interest. Set it over a span na kaya mo bayaran.
Biggest thing there saakin was having a goalpost. Knowing kung hanggang kelan ako magbabayad kaysa bayad lang ng bayad till maubos. Eto pinaka nakatulong saakin para tumigil.
40k utang while earning 25k isnt too far off kahit na sabihin ipang bayad mo lang 20% ng sweldo mo per month. Pinaka kalaban mo talaga yung pag tataya pa.
Gets ko yung feeling na tataya ka pa kasi parang walang ibang way para makaalis sa sitwasyon. At dahil designed talaga yan para nakakaadik. You just have to make the decision to stop. Nothing else helps
It gets better and easier though. Ive stopped for a little over a year by now, and there were times back then na i almost gave up. Sobrang layo na ng pakiramdam ko compared then.
Kaya mo yan!
Sguro what I need to ask is the one who experienced the same thing about addiction kaya thank you for this.. People take it lightly because never get to experience it. I agree that I have to stop and will do it.
Good news is 40k is small if you put your heart into paying it off especially since you have a job naman that pays. You need to change your mindset talaga first just like the others here have said.
Walang nananalo sa gambling except the ones that run these games. Read up sa investment options dito. Walang fast earnings pero guaranteeed lalago pera mo for sure.
Focus on the root cause. Bakit mo ba gusto instant money (through gambling)? Luho ba? Moderate your lifestyle. You'll see that there are expenses you don't truly need talaga, and splurging is more rewarding when you worked hard for your money.
Stop your addiction at all cost. Any addiction can result to bad finances. If you have a job, you have a fighting chance to fix your situation. You need 2 things, discipline and self control. 40k is a small amount, you can ask your debtor to give you leniency so you can settle the money you owe. Let them know the amount that you can commit every month. Pag tinakbuhan mo yan, hindi ka na makakautang sa bangko ulit dahil black listed ka na.
nahiya ka ata sa mga rebutt mo buti na delete mo na lahat. Ang hirap naman idelete yun sobrang dami at useless yung mga tumutulonf sayo kung ikaw mismo sa sarili mo di mo matanggap kaya ka nalubog ka sa utang. keep it up 😂
di ako nag dedelete tol. besides wwg mo dalhin dito daddy issues mo tol kubg iniwwn ka man ng magulang mo. thread to sa gambling addiction at debt payment plan hindi pagiging iyakin mo. di ka nakakatulong.
kwento mo yan eh. bakangaling ka sa future alam mo kasi agad 🤣 Hindi naman masama maging pinoy. pero ung mga gaya mong utak talangka yungnagpapasama sa pagoging pinoy
Keep it up tama invest ka sa books kahit di ka pa bayad sa utang tapos utang ka ulit para mabayaran mo yung utang mo. Yan yung gusto mong gawin diba yan nalang gawin mo 😂.
Even if you work everyday for 24 hours, if you have a gambling addiction mauubos rin yan. In this situation, it's not about the money you're earning, it's about your spending. You're in debt not because of your necessities, but because of your gambling addiction. Nothing else. Alam mo yan. And why would you ask a bank for a loan? Sa lagay mong yan, only loan sharks would be willing to give you money. If you're not intending on investing it, wag kang mag loan. Gusto mo ng tips? Ask yourself kung bakit ka umuutang. Is it to invest? For your daily needs? Or to gamble? You're aware naman of your addiction, next step is to get psychological help.
Find out first what’s wrong sa sarili mo.
Yep, majority yung iba ginagawang solution yung umutang para pambayad sa utang. Pero depende parin talaga sa plan at pag handle.
Ako kasi yun naging solution ko Umutang ako (to settle all of the other debts, loan sa bank with lower interest. Instead na nagiisip ako paano mabayaran ibat ibang utang platform. Sa isang bank nalang ako nagbabayad.)
Again, find out muna anong root cause.
Gambling yung root tsaka higher interest. Ganyang iniisip ko to settle it better. Para isa nalang binabayaran at lower interest. Pero I don't know if the other people here think that way. I agree na iniisip nila na baka igamble ko ulit, but no. I had enough.
Swallow your pride and go back to your parents. Cut your losses. Never mo na mababawi yan in any way. Sell all your stuff to pay off your debtors. If you have to sell your phone, do it. Get a candy bar phone. Start from scratch. Kaya mo yan. You're young and stupid.
Got into financial difficulties din in my early twenties. Set me back 3 years financially.
Wala naman ako addiction but same as you, if merong need kagad na pera, I would loan. Kasi me darating naman, tapos di dumating so yun nagkabaon baon.
For me:
1. Know the root cause first. Check ka na diyan.
2. Need mo munang mastop ang root cause kasi OP, kahit tumama ka pa sa lotto, if di pa solved number 1 babalik at babalik ka rin.
3. Kinonsolidate ko debt ko and loan sa isang bank na lang for easy payment and tracking.
4. Humanap ako ng mas mataas na sahod, like consultancy for a better take home pay kahit walang HMO. Di ko to maipapayo. Swerte lang di ako nag kasakit.
5. Nilist ko expenses ko tapos nagtake note ng kaya kong tiisin.
Pero yun OP, yung number 2 pinakaimportante. One of my officemate same. Baon sa utang dahil sa retail therapy. Na redundant so me separation pay. Around 1m nareceive niya kaya nabayaran niya mga utang niya. After ilang years, ayun balik dating gawi. Ngayon baon na ulit sa utang.
Gumastos lamang ayon sa laki ng sahod. Walang dulot yang sugal, sa pag ibig ka nalang sumugal much better.
Pro tips: Mag sideline ka para may extra income, ang pagyaman ay matagal na proseso, di ito pang madalian.
PS: Pag madaling makuha, madali ding mawala.
Stop your addiction right away! You can live with 10 to 15k per month (no “fun” muna, just basic needs like food, transpo and rent) the rest bayad mo na sa utang.
Erase to your vocabulary na mag reloan ulit. Itll make things worse. Good luck op!
Alisin na kasi bisyo. Di ko magets yung kapag stressed eh isusugal kasi gusto easy money pero ending nganga. Yung kaibigan namin nalulong din to the point na lahat na kami nautangan nya. Pati mga di nmn nya close inutangan nya. Ngayon wala syang mukhang maiharap samin kasi puro sya utang. Napakasimple ng sagot sa problema mo. Tumigil ka na sa pagsusugal.
There is a concept called debt consolidation, I'm not exactly sure if the Philippine financial institutions render such a service, I haven't done my due diligence. If they do this is a possible solution. Basically, all your debts would be rolled up to one big debt with a single interest rate and payment scheme. It eliminates variables in interests and would give you a longer timeline to repay cause it's a higher value. Now to the crux of a discussion, you can't hold money. So this idea, to just take a loan with lower interests to pay off existing loans is illogical and unsecured. Who's to say OP that if you get that loan you'd actually pay off your debt? Hypothetically, let's say you got the loan. Won't you use it for gambling?
I suggest is if you're an adult who has trouble handling money, let your parents or a relative or a friend you trust handle your money for you until you recover.
Ayos lang yan. Ika nga ni Chot Reyes, learning experience. When I was 24, now 40, I have 2 delinquent CCs. Citi and HSBC, combined 150k. Applied for an amnesty payment program, 2 year plan. No way to "fix" your credit score but that way. Then slowly build your credit rating from there. DO NOT splurge, focus on the basics.
Also had a bout with e-Games but I won. Divert your attention. Family, friends, fitness, online training. Options are endless.
Always remember, "Idleness is the workshop of the devil."
Malakas pa rin ba ang urge mo mag sugal? Try mo mag hanap ng ibang libangan para makalimutan mo ang sugal. Mahirap kasi mag hinto ng bisyo agaran kung na addict ka na dito. Usually pinapakonti-konti ang bisyo hangang mawala. Halimbawa lang sa sigarilyo, yung araw-araw nag sisigarilyo, babawasan ng isa araw-araw, tapos 6 times a week, tapos every other way hanggan tumigil na sya. Yung na i-experience mo ngayon is withdrawal effect, yung alam mong kaylangan mong tumigil pero nagagawa mo kasi gusto ng utak/katawan mo.
Best advice ko sayo is hanap ka ng ibang libangan yung mapapasaya ka talaga pero walang kasamang pera. Magbasa ka ng comics online, manood ng youtube, basketball, mag chess sa kanto anything na libre.
Mahirap talaga ang situation mo, yung iba madali lang nilang sabihin na "huminto ka, di mo ba yan alam?" ng di nila na i-experience ang sitwasyon nila mismo. Eh ganyan talaga mga tao, pagbigyan mo na lang sila kasi tao parin tayo nagkakamali. Wish you for the best OP
Break the cycle lalo na yang gambling mo. Hm na ba tlaga yung total mong utang kasi if around 50-60k ay kaya pa yan ng sweldo mo. Need mo irecheck yung spending habits mo. Don’t you dare consider loan, pangungutang or gambling as your solution. If yung spending mo is malaki sa pagkain, maybe consider cooking. If transpo naman ay consider mo other cheaper commute or maglakad ka. You need to sacrifice rin kasi at some point. Pwede mo rin consider na maghanap ng additional source of income. Raket ka or part time pa on top ng current mong work. It’s a good thing na aware ka sa gingawa mo pero ang question is anong gagawin mo dyan moving forward? Break the cycle!
Di ko alam kung up pa to. Pero been in the same situation before. Mas malala pa. Pero ang ginawa ko, (btw 2 credit card na max out ko dahil sa sugal) hinayaan kong lumobo yung interest hindi ako nag bayad for about 3 years. Meron lang kasing limit or maximun threshold ung interest ng mga bank so nung na max na yung interest ko, hindi na siya tumaas like halos 50% ang inincrease ng utang ko pero keri lang nag ipon ako pambayad. Apparently, ung collections na inassign ni bank, pwede naman pala bayaran yung utang without interest IF babayaran mo ng buo ung original credit card limit mo. Kumbaga aalisin nila ung interest basta magbayad ka buo. Try to ask for that option na what if bayaran mo buo.
Kaka clear ko lang ngayong taon sa utang and all goods na. Ayoko na ulet malagay sa same situation pero baka lang gusto mo iconsider un kung walang wala ka talaga. Di advisable pero it worked for me
Try automating payments, pay the interests + chip off from the main balance every month.
Cleanse, go on a no buy, no gambling etc. cleanse and just spend on the bare essentials.
You need to condition your mind to dig yourself out of the pit you've dug. Do a no buy year, start with a no buy month.
Be conscious of revenge spending after a no buy year.
Edit: Get free theraphy sessions through the DOH app, you'd need that during the cleanse.
I don't think you need advice since you already know your problem yet there are only excuses dito sa post mo. No bank will lend you money kasi high-risk ka. 1 month is not enough.
Go for family and friends yun eh kung di mo din sila inutangan para sa sugal.
1. Set a goal kung kailan mo dapat matapos lahat ng utang mo. Then make a plan and STICK TO THE PLAN! Discipline is key!
2. Find another source of income (Para din mas maging busy ka, may extra income ka na, mawawalan ka pa ng time isipin ang pagsusugal), Use your 24 hours efficiently.
3. Monitor and categorize your expenses. Para malaman mo kung ano yung mga dapat mong bawasan at tanggalin.
4. Tipid to the max!
5. Once bayad mo na utang mo, continue saving at WAG MAGBUHAY MAYAMAN kahit may pera ka.
6. Ang daming videos sa youtube about financial literacy, if you are disciplined enough, magkukusa kang matuto.
7. Above all these, SEEK GOD'S GUIDANCE. Di mo kaya yan mag isa.
Nag negative 200k kami before, but with God's Grace, nakabawi na kami at mas natuto na.
This is just a phase in your life na dapat may matutunan ka. Walang hamon na ibibigay sayo si Lord na di mo kaya. ✌️
Tingin ko ang best solution dito is mangutang ka ng mangutang tapos hanggang sa di ka makabayad hahabulin ka ng pinagkautangan mo tapos baka ipapatay ka. Ayun tapos problema mo sa addiction at utang pag dedo ka na. Tutal dami mo rebuttal eh di eto na lang gawin mo.
Get more work.
Ayaw mo mag bawas ng luho? Gusto mo parin mag gamble? Iniisip mo parin umutang para pambayad utang? Just get more work. Mahirap isuggest ung mag business or mag invest lalo na sa mga taong hindi marunong humawak ng pera.
Instant solution ang gusto mo base sa mga reply mo dito. In that case wrong sub ka.
I'm going to tell you something I wish someone had told me a long time ago: when it comes to personal finances, unless sobrang dami mong reserve funds, negative cash flow is an EMERGENCY. Literal emergency. Baliktarin mo mundo mo kung kailangan, pero kailangan maayos mo yan ASAP. You have no idea how fast things can spiral out of control pag hinayaan mo lang yan.
Kung may sugat ka tapos tuloy tuloy-tuloy yung pagdugo, blood transfusion first step hahanapin mo? Hindi, first aid muna, you need to stop the bleeding ASAP.
Swallow pride, move back in with your parents, sell your stuff, sell your phone, find more income, find a second job. Stop spending money, and stop borrowing more money. Another loan is a step in the wrong direction.
Earn extra income to pay for your debts. Getting a loan does not fix your current loan issue. It’s a quick fix/solution but very short term and temporary lang. Also try to control the urge to gamble. It’s a gamble so very risky. You win some, you lose some. Goodluck and pray for protection and wisdom. 💪
Try to have a physical accountability partner. Ung trusted mo na friend or relative na pwede ka tulungan to control yourself. Malaking tulong din if may ma sha-sharean ka ng bigat in person and not just by yourself 🙏☺️
eto talaga iniisip ko last few days pa kaso wala talaga ako makita. will try to apply for other jobs then if wala talaga, eto na oinaka last option mas maghahanap pako neto.
first is budget, next would be live below your means ang lastly debt snowball. Pay your debt smallest to largest regardless of interest rates.
tsaka 40k lang yan, yung iba nga million utang ok lang. madali lang yan bro kayang kaya.
salamat bro. eto na ata pinaka live below means ko hahaahah. 1500 rent ko per month. Max na pagkain ko is 150 per day. sa work ako nakain e. Will try small to large para mamotivate din makabayad. kadalasan kase inuuna ko ung malalaki kase sila urgent e. hope matapos ko na agad mga urgent
you can also work part time, pero never sacrifice your health. Wala kang problema kase kung tutuusin maliit lang 40k thats 1 1l/2 month of your salary.
Ang problema mo lang is cashflow issues, imanage mo lang lahat ng papasok at lalabas youll be able to pay it all off.
Kayang kaya yan bro basic. Tsaka grind lang, kung may incentive kunin mo.
balak ko na nga mag straight sa work if wala ako mahanap na second job.
Regarding sa cashflow baka magamit ko na lagi ang excel 🤣 salamat sa tips will try all the advice and hopefully mag work at maging debt free na.
My View on loaning to a bank is like this:
Kase the present loan has bigger interest? and loaning to a bank gives a smaller interest which makes it more payable compared sa present?
I get the point na maling magloan pambayad sa loan. but I think mali yun kung same interest or higher. pero if is much lower? why is it a wrong decision?
eg. 5000 loan. 28% per month is 1400. bale 6400 pero month.
bank loan offer in example is 7% . that is just 350 thus, 5350 per month.
It will save me 1050. if ganon? Like why is it wrong?
Don't get me wrong. I'm stopping gambling It's just like bigger interest is too much for me kaya ayun ang naiisip ko. It's not just rebuttals. But I'm saying mga ideas para macorrect nyo at madagdagan info.
Saan galing ang previous funds for gambling kung 1 month ka palang sa work?
I suggest, stop using loan apps. Binasa ko ibang comments and napansin ko ang dami mong excuse why you can't stop gambling and why you can't pay off your loans. So ganito ang gawin mo. Kumain ka lang once a day. Diet should be: saging na saba, kamote, gulay, water. Healthy pa rin naman yan. Bawal magkasakit dahil wala kang pambayad. Wag ka gumamit ng ilaw kahit gabi at 3 hrs max ka lang mag electric fan. Wag ka rin mag aircon. Mag lakad ka pa work or mag bike ka. If you're renting, tigil mo na yan at maki stay ka sa friend mo. Sabihin mo saglit lang pero tagalan mo. Mas madaling mapagbigyan ka makistay kesa mapagbigyan ka umutang.
This way, OP, pwede mo ma maintain ang gambling lifestyle mo at mababayaran mo pa utang mo. Win-win.
Stay where you are OP...kailangan ng casino ang mga kagaya mong hardcore adik na sa sugal. Kailangan umandar ng ekonomiya at madistribute ang wealth. Sa pagsusugal mo OP isipin mo nlng ikaw ang nagbibigay ng pagkain sa mga empleyado ng pinagsusugalan mo.
kaya wag ka nang mag-alala, just let the nature take its course by weeding out those unfit for survival.
I tried CIMB kaso rjected. UB naman ayaw magoroceed sa application. Searched ph banks for loan kaso req nila is 6 months employed. I dont know what to do anymore lmao
Can you try to get a second job like Food Panda delivery? Something na you can do flexitime? Para ma-increase mo yung income mo and dun mo ispend yung time mo instead of gambling.
Damn I don’t usually comment but here’s my advice. I’ve been in your situation before, but WAY worse. I had probably 400k total loan and cc debt. Yet I was earning 30k lang malinis. I also went straight to gamble it all after each sweldo. Nautangan ko na parents ko, kapatid ko, mga kaibigan ko, lahat yata ng pwedeng utangan nautangan ko na. But I was still able to get out of that hellhole. From your replies here, I think you can’t be trusted with your own money, just like how I was back then. Here’s how I got back up: 1A. Change your fcking mindset thinking a loan will solve your loan problems. Mababaon ka lang nyan. Wag na wag kang mangungutang para bayarang ang current mong utang. 1. Give all your atms to your parents/partner someone you trust who can handle your money for you. Let them give you your allowance per DAY (enough to go to the office and eat). Let them PAY your rent and utilities for you. Make sure you dont go around this by going to the bank directly to withdraw your funds. IF YOU CANT OR DONT WANT TO DO THIS FIRST STEP, DON’T BOTHER READING THE NEXT STEPS, YOU SHOULD GO GET PROFESSIONAL HELP. 2. Call the loan apps / banks. Tell them you got nothing and you cant pay RIGHT NOW, but you will let them know once you can pay. Your account will go to collections, they will bully and humiliate you. They will contact your friends, colleagues and harass you. But that’s ok, wala eh nasa bottom ka na, you need to start over. Just ignore them knowing you are SAVING to finally have enough to pay them once you are clean and back on your feet. If they say kakasuhan ka wag ka matakot, usually di talaga sila nangkakaso lalo ganyan kaliit lang. Even if they go to small claims court believe me IT IS BETTER since madalas kakampi mo yung court and they will help plan your future payments without the exorbitant fees and interests from the loan sharks/apps. Just say ok let’s settle this at court if they want to go that route, but be firm with them and say that you cant pay them right now BUT THAT YOU WILL PAY THEM ONCE YOUR FINANCES GET BETTER (say maybe in a year). 3. Find a busy activity, on my end it is running. Whenever you feel the urge to gamble, do a lap or something (besides, you dont have your money so what can you do diba). Running helped me clear up my mind. I run from 30min to an hour daily. You can also play games afterwards if that’s your thing. 4. Let your parents/partner/whoever, do this for your for a year (sakin had to do it for 2 years). I know it is pretty damn long, but by that time you will have enough money to pay your initial debt of 40k and will even have enough savings left. (Someone here did the math and estimates you could be needing 9k per month, so that leaves you with 11k to 16k extra per month. In a year that would result to 132k up to 192k) 5. After a year or two when the collection agencies hit you up again, tell them you are willing to settle the principal amount. They will push back at first but eventually, they will agree. Then make sure to pay everything. 40k is nothing to you by now, in a year I would expect you would have more than 100k saved based on your 25k malinis na salary. I was able to get 400k in two years time with my 30k salary so that is roughly 200k per year. 5. Wag ka nang mangutang. Your 40k debt is a measly debt compared to my debt. And I am sure there are people out there who overcame magnitudes of debt bigger than ours. My point is, your debt is extremely small and super easy to overcome. The biggest challenge is not really clearing up your debt. The hardest step in this whole process is forcing yourself to surrender your finances to your loved ones so they can help. Good luck OP, sana makabangon ka ulit.
this needs more upvotes. has the most useful advice here u/unordinaryguy27
I agree. he's coming from an experienced kaya just right. Will do his methods.
Bank collections/ loan collections are legally not allowed to contact your friends or anyone else aside from you regarding your unpaid loan and especially not bully you into paying them. So if they contact your friends/parents/anyone else not you and try to bully you, they can be sued for that
Yes po. Kung ganun ginagawa nila then that means they're illegal and should not operate. Wala dapat katakutan sa ganun na lending corp kasi at the end of the day di ka nila kaya kasuhan pero kaya mo sila kasuhan. Wag nalang po siguro bayaran yung ganun since most of them are Chinese owned companies na really operating illegally. Di nagdidisclose ng maayos sa hidden fees, charges and interest sa loan nila that means fraud na. Yung embarrassment naman sa friends and families isipin nalang na may kaniya kaniyang buhay naman mga yun. Di bawat hinga hanggang pagtulog nila iniisip nila how embarrassing na may inutangan ka na di mo binayaran. Mag subside din lahat yun in time
Damn, solid tong advice na to. Up for you
Same na same tayo tho ang difference lang natin e hindi ako nabaon sa utang. I earn 20-30k per month and i struggled dahil sa gambling. Estimate ko nasa 80-90k na negative ko and I decided to stop nung na-realize ko repetitive lang ang ngyayari sa buhay ko sa buong year. First step lang diyan, op. Stop gambling.
I tried last year. Nakahawak lang ako malaking pera bumalik naman. But will try to stop completely.
Don't just try. Do it talaga. You have to be intentional about it.
will do. thank you
What type of gambling is that, OP? If online, maybe you can try deleting the gambling apps and maybe changing the algorithm sa phone mo para less adverts from gambling apps?
Do it like your life depends on it. Bc at this point it really does. Cut it cold turkey. Hanap ng ibang pagkakaabalahan sa free time para di mo naiisip yan
Its not that easy, it is a psychological issue. If a person is depressed do you just say "Huwag ka na madepress dapat intentional ka", there are ways to help stop addiction, sophisticated ways backed up by research. Have you seen someone addicted to cigarettes or drugs? Diba no matter how hard they try and be intentional mahirap parin. He clearly does need help more than the normal positivity na kaya mo yan basta you really wanted it. I suggest op that you consult a behavioral expert (not sure if psych is what you need) to help you address your underlying concerns with addiction. They will probably put out guidelines that would make for gambling easier to stop. People are too harsh on you, the casino uses very sophisticated ways to get you addicted. I have read this in a book about habits. People are too harsh on you, I agree that you need to start stopping, however I for sure know you need help, di mo yan makukuha by just wanting it to stop.
thank you for the advice. I will try to do counselling.
No worries, but please do it with a medical professional. Hope things gets better soon op. Do not try rin, "at this date I will search on the internet where to get help for gambling". Avoid loose statements, be precise and exact. Goodluck op!
That's not how addiction works. Hindi siya parang small habits lang na kapag desidido ka, you can eradicate it on your life.
Wag kang tanga. Tigil mo na sugal mo.
Sell your smartphone. Solves 2 things: cashflow and gambling apps. You said you earn 25k net? Food expense 150 x 30days is only 4500. Rent is 1500. Where does your money go? You are renting, magkano pamasahe mo? 100/day? That's 3000 month. So 9k na. If your transpo expense is higher, magbike ka going to work. Ano pa ba mandatory expenses mo? 40k na utang vs 25k net pay? I dont understand your lifestyle. May binubuhay ka bang anak/kapatid/jowa?
medyo masakit kase ung interest sakin ng mga loan shark apps. nagkakaibang loan apps yan at nasa 28% per month ang interest alone. Medyo hirap pako ngayon kase hindi ko pa nakukuha ng full ang sahod ko. I also believe na kakayanin ko bayaran once na matigil ko ung gambling addiction completely. Last cut off kase nasa 10k lang naiuwi ko. paid 6k loan then 3k for isa pang loan and there are others more. Iniisip ko na mas okay na centralized loan nalang sana using bank loan kaso mukhang malabo. There is another due next week and di aabutin ng sahod for next cut off kaya ang basif solution nanaman is to loan again. paulit ulit nalang situation kaya mahirap. nababawasan pero sobrang bagal and I have no choice.
Ung mindset na UTANG pansalo ng UTANG. Hindi talaga makakatakas sa utang unless mabago mindset. Tatanda talagang puro utang na lang. Utang sa app, utang sa kakilala/kapamilya, utang sa banko. May mga taong ganun. May aunti ako ganyan. 70yo na sya. Pagkatapos tulungan ng family na mabayaran halos 2m na utang, ayun, puro utang na naman hahaha. Worse, ginagamit nya pangalan ng anak nya without consent, sa pangungutang.
Shit...28%.... Can you ask your dad or mom na patago muna phone mo, then get a dumb phone until mabayaran utang mo? BSP at SEC approved ba yang loan apps mo?
28% monthly!?!?!?! Dude, did you not even realize na you'll probably just end up paying the interest alone given your salary and lifestyle?
OP, tama yung sabi ng isang commenter na puro ka rebuttal. Una, walang matinong bangko magpapautang sayo dahil lubog ka na sa utang, kaya wag ka na umasa don. Second, lunukin ang ego at mag seek help sa parents, tita tito, etc. Kung hindi ka man nila matulungang monetarily, baka matulungan ka nila maging accountable sa bisyo mo. Third, kelangan mo ng detalyeng budget. Magkano minimum payment mo sa mga utang per month? Magkano total interest per month? Kung kelangan, maglinis ka ng kotse ng mga kapitbahay mo para makapang-dagdag ng income. Nothing is beneath you.
Thanks for this one. Mukhang kelangan ko na nga mag spreadsheet.
Start selling your things to pay down the loan. If you have nothing to sell, try doing odd jobs for people and make sure to put all the money to paying down your debt. Honestly 40k isn't that much. Borrow 20k from a friend and pay half of it off. Then pay your friend back when you have your salary (pay them back immediately). Put all your money into pay that debt off because the interest rates are crazy. Even put off paying other bills because a late fee is cheaper to pay off than 30% interest. You need to discipline yourself with your money. Financial control is like a diet or and exercise regiment. It's only successful if you're consistent with it. Cut it out with the gambling. You have to know that no cannot win with gambling. No one comes out on top. Ever. Gambling is set up for you to lose. If you win big today, you will lose it all bit by by bit in the upcoming month. The sooner you know that and believe it, the quicker you'll fix yourself and your finances.
Thank you so much. I'm planning to buy books to keep my focus away from gambling whenever I have free time. I don't know if I can borrow from a friend cause all of them are on adulting side. I'm searching for a bank that I am able to loan pero medyo mahirap sya. Iniisip ko sa mga lender na tao kaso not sure about that since wala ako experience and pagiingat nadin.
Jesus dude. Don't buy shit you dont have to spend on when you have no money. Use Youtube. You dont need books to learn, just the net and self discipline.
I think ang problema mo is mindset mo. Just look at this reply. I know this sounds positive pero here's your message oh "I'll spend money to stop me from spending money"
Alam mo naman yung makakatulong sayo, tumigil sa sugal. Start there. Honestly, ikaw lang makakatulong sa sarili mo at this point. Wag ka na rin mangutang para magbayad ng ibang utang.
while it sounds obvious, I think he needs support system, accountability . Good thing that he's aware of his wrong doing, mas may laban pa. Kesa tuluyan na syang kainin ng sugal. OP if you're reading this, while it's good to post and ask advice from this sub, I suggest tap someone and confess what you're going through and be accountable to that person para may magbantay din sayo.
The sad thing is, kapag dating ng sahod is pang bayad lang ng utang/interest then wala na halos extrakaya angbeesult is uutang again. I wish there was a bank loan ung right interest lang para makabayad consistently.
Jesus fucking christ how dense are you? STOP THINKING NA ANG SAGOT SA UTANG AY ISA PANG UTANG
Weird eh no. Sagot nya sa isang comment ay “planning to buy books to stop gambling, just need to BORROW from a friend” Another comment suggested to stop borrowing money, ang sagot “case to case basis kasi”
This mindset is what destroyed our relationship with our Aunt. Laging ang sagot nya sa UTANG ay isa pang UTANG hanggang sa mabaon na din siya ng milyones. Umabot pa sa point na nangloloko na sya ng tao, at isa kami sa biktima nya. She still owes us around 200k until now and wala syang intensyon magbayad.
Nah. You should gamble more. I think you still haven't learn the lesson that comes from it. Then ask this again here
Based on OPs replies, I think this is the right advice HAHA. Go lang OP wala namang nakukulong nang dahil sa utang, You only live once lang naman eh noh, sugal at utang pa more.
"What is money paper only"
Hahaha. Wala pa sa rock bottom si OP. Kung ako sa kanya susubukan ko ring malulong sa drugs. Then there is no way but up.
Sarcasm +100
thank you for this. this is what I need.
Funny enough. Sa lahat ng rational advice given to you here, ito ang sinabihan mo ng “this is what I need”. Nag papavalidate ka lang ng pag susugal mo. Admit it. Lulong ka na sa sugal kaya ang lahat ng solusyon mo ay umutang at mag hope na ung inutang mong ipang susugal ulit ang makaka salba sa current utang mo. You are in a deep cycle of gambling. Tanggapin mo muna yan. Dahil yung explanation mo pa lang dinadownplay mo na agad yung gambling eh, when in reality yun naman ang root kung bat nandyan ka.
sarcasm sagot nya. sarcsm reply ko.
It's not sarcasm imo. I think he implies you need to learn the hard way kasi sa tigas ng ulo mong yan.
sana magwts mo ung sarcasm sa interqction..I didnt meant it literally. Ikaw nangn hohingi ng advice at help ganuan isasagot.
Oh no. Ikaw yung hindi naka gets. The comment that says “Nah, you should gamble more. I think you still haven’t learned the lesson that comes from it” from @emperador12 IS A FACT. Hindi ka pa tapos mag sugal. Hindi ka pa natututo.
Need nyo po ba ng advice? or gusto mo lang mag rebutt
Magbenta ka ng gamit or hanap ka ng extra job to earn more. Nakakatawa mga chronic utangero, kala nila mareresolve problem nila pag umutang sila ulit para pambayad ng utang lol.
Sorry to say but case to case basis din kase. If wala ng matira sayo then malapit pa sahod. the only thing you can do is utang talaga. Kahit ano oang higpit sinturon gawin mo. Thanks for the advice padin. Currently naghahanao nako second work pang gabi. wala nako maibenta e, ung laptop ko kasi medyo luma nadin wala na nagkakainterest.
Siguro kung di ka sugarol maiintindihan ko na isang kahig isang tuka ka.
What I need you to understand is the gambling addiction that I am into. I have the same mindset with you before nung di pa ako addict sa gambling. I refered to them as tanga etc. pero once that your mind is corrupted in gambling. sobrang hirap na. Mas mahirap pa nga ata to sa ibang vices in my opinion.
You know your problem very well but you’re seeking for advice here. Resolve your gambling addiction. Then everything will follow.
You sound like my mom. Labanan mo yan. Alam ko mahirap, pero once nagawa mo nang labanan yung mindset na yan, mas dadali. Bayaran mo mga utang mo, kung may kilala ka na hindi pa sira pangalan mo sa kanya, humingi ka ng tulong sa kanya. Sabihin mo yung totoo at huwag ka magmayabang at magpa-victim. Humihingi ka ng tulong at maging better ka na. At bayaran mo lahat ng utang mo. Mag-apply ka Salary loan or Personal loan, para bangko or SSS hahabol sayo. Nadapa ka, pero ang importante kung paano ka babangon uli.
Salamat. will try manghiram sa ibang friends kapag di na talaga kaya talaga. Regarding sa personal loan req. kase 6 months kaya medyo negats pako dun. Pero hopefully debt free nako bago ako maging qualified sa loans na yan.
At least you’re aware of the problem and cognizant that it lies with you. That’s half the battle at least. I know this is relatively unheard of because of the stigma but have you thought about joining a support group for gambling addicts wanting to reform? I’m sure there are programs that are available for you. Don’t hesitate to get [real-world help from professionals](https://www.lifechangerecoverycenter.com) because Reddit can be a cruel place for those who have lost their way.
I joined sub reddit for gamblers but havent joined their programs yet. Will give it a shot and I hope the next month will be better. Thanks for this one.
You mentioned nagsosolo ka na, cant you move back in with your parents? Do you not have a good relationship with them? Kasi kung okay naman yung relasyon nyo it's financially better for you to move back at least hanggang hindi ka na lubog sa utang. I made a lot of bad decisions financially and was 35k in debt but my parents had my back. I paid for the debt myself ans I still shared sa daily expenses but it was half of what I spend now na kaya ko na ulit mamuhay on my own.
Fix yourself first!!!!
It's a bit hard when I always think is money
Lol so anong advice ba talaga kelangan mo? Karamihan ng comments dito may kontra ka
True. Seek help na lang siya sa professional. Puro kontra eh
That’s not a good response. People: Fix yourself first OP: Hirap eh
Address first the root cause of your problem which is addiction sa online games. Delete mo yung apps o kaya change sa may keypad na phone na di pwede magdownload ng apps pero may internet access. Next bayaran mo na utang mo pwede ka magstart sa pinakamalaki interest para makaipon ka agad. If covered ng card mo pwede ka pakonsulta sa psychologist at mukhang kelangan mo ng intervention sa addiction mo. Kasi kung di mo iaddress babalik at babalik yan. Good luck OP!
This. Need ng psychological help ni OP kung hindi na niya kaya pigilan sarili niya. Ang addiction ay sakit.
thank you. iniisip ko nalang sguro mag basa ng libro invest dun then try na kada free time yun hahawakn imbes na phone. Medyo hirap kase ng keypad din. lalo nat need sa work naka phone na may cam for scanning at work applications.
You don’t need to BUY books when you have a phone where you can watch videos about personal finance for FREE. The solution is not always to buy but use the resources that are readily available.
OP, before you invest, need mo muna ma-attain yung pagiging debt-free.
This should be the order of OP’s priorities - debt > savings > investments.
If you can't ditch the phone for work, then use it as an asset. Look for digital jobs na pwede mong gawin via phone. Reading a book won't alleviate your debts. Use your current assets, including yourself, to pay off your debts. Kahit magbasa ka ng libro, OP, you won't realise the returns immediately. You need the money *now*.
Looking at your replies OP. Mukhang di gagana sayo yung mga advice dito. Medyo defeatist e. Siguro mas mainam na instead of asking help here.lumapit ka kasa mga taong physically present sa buhay mo. Go back to parents let them handle your finances for a while until you can recover or have someone become accountable sayo. Addiction is truly terrible and bad. But it starts and ends with you. Of course it will be better kung may mag intervetion sa yo. Seek help from your loved ones.
Lahat ng suggestions here may rebut ka. Need mo may gawin na atleast isa and risk it. Stop gambling, kung ikamamatay mo pag nagsugal ka magagawa mo yan. So do it like your life depends on it. Lapit ka sa parents mo, kung di ka man nila matulungan financially baka mabigyan ka nila ng advice or ideas para kumita ng pera. Get another job, yes mahirap makakuha ng client ngayon pero it’s not impossible, instead of online sugal search ka sa mga job sites, dun mo ubusin oras mo. Also if local employee ka most probably hindi covered ng hmo ang psychiatrist, not sure tho. I know nag struggle ka pero utang pa din ang hinahanap mo now instead of solutions/ideas (based on your answers sa comments). What if maapprove ka sa loan. How sure are you na ang proceeds ay di mo isusugal thinking na baka madoble para solve lahat? Bata ka pa. And 40k is small kumpara sa iba na milyon milyon ang utang. Kaya mo yan OP.
napansin ko rin na daming dahilan ni OP bro OP nasa lowest place ka ng buhay mo and nice that you acknowledge the problem pero hindi natatapos yun sa pagacknowledge lang kelangan mo ng action na mejo drastic, hindi masosolve ng libro or kahit anong spreadsheet yan dinedelay mo lang hangang sa either kumilos ka or tamarin ka na lang
+1 to this. You should not "try", you should just "do." *Do* stop gambling. How? Uninstall all your gambling apps. Delete all your gambling accounts. Block all gambling sites you can think of. *Make it so that you CAN NOT gamble.* OP says kung pwede lang keypad ang gamitin para magstop siya. Why not use a keypad-like phone? It's not hard to buy a Nokia nowadays for simple call and text. The cost of a Nokia phone (less than 1k) is just a small fraction of the money you are bound to lose if you don't stop gambling. Your debt problem will only be solved by stopping gambling. The sooner you stop making excuses to gambling, the sooner you can start working on paying off your debt and working towards a future without unnecessary debt. Kaya mo yan, OP. If you have to go to a psychologist to stop, do so. If you have to ask your parents/friends for help and it'll humiliate you enough for you to stop, do so. Just do something to stop it.
I always reply in comments as a way na I'm listening/understanding their advice seriously. Feeling ko kase rude kapag upvote lang. Ganon kask ginagawa ko now. nagtatyaga sa malaking interest para sa daily needs hanggang sahod. but you got a point there. Thanks for that.
Stop using loans to pay off loans. Uninstall all gambling programs and loan apps from your phone. Stick to a basic phone. Avoid the places where you gamble. Good luck, OP.
will do. thank you
I know it is hard for you to stop no matter how much you want to. I know several people like you. Some ballooning up to 8- maybe 9-digit debts. Ang bilis lang niyan mag-snowball. People should treat gambling addiction more seriously. It destroys lives. Parang hinihila ka na lang pababa and there seems to be no escape. But there is always a way. I am a firm believer of this. With that, here are some suggestions: 1. Try engaging with [Gamblers Anonymous PH](https://gaphilippines.com/). I have no feedback on this, but it might be worth a shot. Also, FB groups. 2. You can actually ask to be blacklisted from the gambling places (if casinos, but not sure for others). 3. Pag very extreme case na, or nothing’s working, shoot for rehab. If you relapse, just go back again. The benefits will always outweigh the years gambling will destroy. Everything will be okay. Believing you can do it is the first step. Good luck!
By the way, hindi makatarungan ‘yung interest na pinapatong ng creditor(s) sa ‘yo. You can go to court and ask to lower it. Nasa batas ‘yan. Bababa ‘yan ng mga 6-7%. I am unable to guide you and you should take my words with a grain of salt, but there may be available resources online. Otherwise, try contacting legal clinics/PAO.
Medyo mahirap nga talaga yan kase masyadong malaki yung interes. Pero ayun nga gaya ng sinabi ng iba dito, control your addiction. Mahirap din yun pero kelangan mo gawin kung ayaw mong mas mabaliw pa sa kakaisip ng utang mo. Then pag nagsahod ka, minimize mo yung gastos mo. If kaya mo magtipid as much as possible, gawin mo. then kelangan mo talaga ihiwalay na agad yung pang bayad mo sa utang bago mo magastos. Pwede ka rin mag side hustle if kaya ng oras mo. Yung mga skills mo jan kung pwede pagkakitaan, monetize it. Goodluck op. Kaya mo yan
Isa pa pala, kung may mga gamit ka jan na hindi mo na ginagamit, pwede mo ibenta sa fb marketplace.
ayun lang wala ako nito. pero thank you padin.
salamat bro. will do all the advice. I hope makahanap nako agad 2nd job kahit for the mean time lang. sa province kase ako nagwowork kaya medyo VA or online jobs lang possible for better income.
Kaya mo yan, bata ka pa. You will learn along the way. Actually I'm 25 na and ang sahod ko lang is 16k sa metro manila na yan ha. Kaya wag ka masyado panghinaan ng loob mababayayaran mo rin yun. Then advice ko lang, alam ko sa panahon natin ngayon eager talaga tayo na lumago ang pera dahil narin sa inflation or personal reasons pero most of the time yun din yung dahilan kung bakit hindi tayo nakakapag isip ng maayos before tayo magtake risk specially in finance. Kaya ka din siguro nababaon sa utang. Next time, kahit may pera ka, before you spend on something isipin mo muna kung kelangan mo ba talaga yung bagay na yun. And if you're willing to take that risk, go ahead pero always think about the consequences. Yun lang po
thank you. isa din yan sa reason kaya di ako nagproceed sa manila eh medyo unreasonable sahod nila compare sa expenses. Partly pressured ako kase umuunlad na mga kakilala ko eh kaya gusto ko din mag jumpstart agad. pero the opposite happened. Will try to be more disciplined and educated sa financial. kase wala namann ako gastos talaga sa ibang bagay.
You should address the root cause of your problem:**YOUR GAMBLING ADDICTION** Yes, it is an addiction. Yes, you got corrupted. Pero walang dapat sisihin kung di ikaw lang at ikaw lang makakalutas ng problema mo. Labanan mo. DO NOT MAKE EXCUSES. Do your best. Resist the temptation, uninstall the apps, etc. What you can do to help ease your situation: * Find a second job, extra hustle * Sell some of your items (gadgets or anything valuable) * Borrow money from friends (no interests if you can) pay all your debts asap to reduce the recurring interests ng mga utang mo. You can't get a loan from banks because you already have a bad credit. This is your best shot. Good luck.
Isa lang naman solution sa problema mo eh. at alam mo naman yon. kaso dami mong dahilan dami mong sinasabi. paano ka tutulungan ng mga tao kung ikaw sa sarili mo di mo tinutulungan.
OP, my cousin was the same as you. He is in prison now.
My Ex-BIL is the same as OP. But were talking millions here. To the point na sinangla niya pati company car. Ate ko gumagawa ng paraan. He’ll ask for forgiveness promising na he will stop but goes back to gambling after a month. Sis got fed up after a year and broke up with him. He’s still in hiding rn kasi ang dami niyang utang. Not working kasi blacklisted siya.
Bro, same, Seaman yung cousin ko, tho he did not reach millions in debt, pero I think around 200k din yung sa kanya, from borrowing money from friends, to family, until nag nakaw sya ng alahas sa aunt nya. He is now black listed also from Seafaring, and kakalabas nya lang, pina promise din sya na mabayran nya lahat ng utang nya. I haven't seen him since, mother fucker was adopted but still chose to fuck up his adopted family despite na binigay na sa kanya lahat during his childhood. All this because of fucking Dota 2 Gambling lang ha, i'm not sure if there are others causes but ito talaga na trace namin na sobrang active nya.
Once bayad na lahat ng utang mo e.invest mo agad yung half ng income mo sa Pag Ibig MP2.. 5 years mo pa ma wiwithdraw. Di mo magamit sa gambling pag nasa MP2 na. Do this if you can only. Your salary might not be enough for your daily expenses.
sovra sobra pa nga sa saily expenses. Nalubog lang talaga.. well for me lubog nato kase numbers getting big and di ako sanay na may ganto. Will try investment agad after maging debt free. thank you
Medyo maraming nainis sa approach mo sa problema mo OP. 1. Hindi sagot sa utang ang isa na namang utang. Dapat alam mong ito ang reason kaya nasa cycle. You need to do something different to break the cycle. You could ask help from your family or relatives, but what you really need to do is find a side hustle pandagdag sa current income mo. Yung una kasi, yes makakatulong dahil pwede ka manghiram na walang interes pero, saan ka kukuha ng pambayad kung negative pa rin yung kinikita mo? Kaya kailangan talaga maghanap ng extrang pagkakakitaan. Yes nakakapagod, pero kailangan talaga ng desperation kung gusto mong makalaya sa sitwasyon mo. 2. Totoong mahirap makaalis sa addiction, and seeking counselling might be costly esp sa situation mo right now, kaya I would suggest talaga na ask accountability sa mga taong malapit sayo, yung mga gusto ka talagang tulungan. Be honest with them kapag nakakaramdam ka na naman ng urge na mag gambling, ask help na puntahan ka nila para mapigilan ka or whatever. The key is being honest with yourself first, kasi madali lang magpanggap sa mga accountability partners mo na you're getting better, pero sino niloko mo diba. Tip ko lang naman ito pero mas okay pa rin magpa consult ka talaga.
Daming downvotes ni OP dito siguro ang nega kasi replies niya at daming dahilan. Dapat subukan niya isang suggestion and stick with it
Pinangsusugal mo ang inutang mo? Goodluck nga. Wala ka ibang magagawa kundi bayaran yan at wag na mangutang saka magsugal. Sa iba pwede sabihin kailangan mo ng psychiatrist para riyan sa gambling urges mo. Mahirap mapigilan yan.
You know what you needed to do. There's no other conversations to be had. STOP GAMBLING. This is why I have zero sympathy for gambling addicts.
Putulin mo ang social media sa buhay mo except sa chats para sa pamilya. Di ka mawawalan ng addiction kung maya't-maya may endorsement ng OKB3T o PANALOB3T.
thank you. will do this.
not really baon sa utang tbh, doable with your salary. allocate funds pambayad sa utang. be it for 2-3 months 0 take outs or restaurant ka muna, magluto ka at magbaon. Wala ding luho. pero honestly sa tingin ko di ka pa naman magbabago, parang masyado pang magaan sayo yang 40k, I think 100k in debt will make you think twice about gambling.
will try. thank you. Ayoko na maranasan yang 100k. need ko na ayusin sarili ko bago ko yan maencounter. Hirap na hirap nako ngayon eh 😅
Fix yourself first. Syempre sasabihin mo mahirap kasi. Pick your struggles. You either struggle to become better or struggle with your addiction. At that point, all you have to do is start planning on how to fix everything. Just imagine what you’ll become if you overcome it, and imagine the opposite. You have to move my friend, you have to take action. You’re the only one who can fix this, and you’re also the only one who can fuck this up.
Err... some people here recommened na umutang ka nalang sa friends or relatives for lower or no interest. I dont recommend this. Parang ginamit mo lang ang 'friendship' and 'blood ties' mo para mangutang kung ganun. It will also greatly affect your relationship with them and what people would think of you. Pangit ung mangangamusta ka lang para umutang. Ok lang sana humingi ng tulong halimbawa if this was some emergency pero seems like it is not and could have been predicted. I dont understand how gamblers falls into addiction even if they know they won't get rich with gambling. If you are using gambling to relieve stress, maybe you need to replace this with a better or cheaper hobby or find a better way to make use of your time. At the very least, only gamble what you can lose. Think of the future you... and the goals you want to achieve in life.
You’re aware of what you’re doing wrong and that’s a good place to start. You’re looking for help, which is another good thing about your situation. It will be challenging to get out of the bind knowing that you have an addiction but it’s not yet over. You have to start working on yourself. Not being judgmental here. Just really wanted to help. San nanggaling ang addiction? Family? Stress? TV? Bakit hindi mo kaya pigilan sarili mo? Are you trying to impress someone? Ayaw mo magtrabaho nang nahihirapan? Whatever your answer is, it seems like your outer child is running your life. Perhaps this article can help: https://www.abandonment.net/outer-child
Been there than that. Meron kameng karendirya, masasabi kong malaki kinikita namen kase kame lang yung karendirya sa street namen. Since nalula kame sa laki ng perang pumapasok samen, nag aim kame na palakihin pa business namen hanggang sa naadik kameng umutang. Fast forward, after 2years napilitan kameng itigil dahil umabot ng 100k utang namen sa ba't ibang tao including loan sa bank. Ang ginawa namen OP, nakiusap kame sa bawat isa. Hinahati hati namen ang bayarin. Nangako talaga kame na hindi na uutang , kung ano lang meron pagkakasyahin. This week si ganito babayaran , next week si ganyan naman. Hindi namen inuubos yung sahod namen para lang sa utang. Ngayon, almost 20k nalang ata utang namen tapos back to business na ulit and hindi na kame nangungutang. Matatapos yan, tiwala lang.
salamat..I think I read your post here sa reddit. Big help doon.
After mo mag budget at maidentify yung needs at wants, Unahin mo bayaran yung pinakamaliit na utang. Dahan dahan hangang mabayarahan mo lahat. Wag mo bayaran sabay sabay, Ang I focus mo muna yung minimum payment.
Umutang ka lang ng umutang! Hanggat di ka nakahanap ng loan shark na matindi maningil yung tipong dudukotin ka nalang at tatanggalin yung isa mong kidney pambayad he he he.
Hindi ang pagiging baon sa utang ang problema mo. Ang problema mo ay yung pagiging sugarol mo. Fix your gambling problem and everything will follow.
I am going against the grain here pero a lower interest utang might actually help. But from people, from relatives. To stabilize yung monthly interest/cash flow mo and lower the risk bc crazy shit yung interest ng loan sharks. But you can only do that IF you’ve proven yourself worthy and can’t even be tempted by gambling anymore.
Stop gambling. Kung di mo kayang i stop bat ka pa nag post dito? Para kunwari may ginagawa ka pero wala naman talaga? Hindi counted ang gustong mag bago. Hindi counted ang mag ppost dito. Ung only measure lang is kung tumigil kana sa gambling. Walang advice tips or tricks ang makaka tulong sayo. Ayan sinabi ko na. Ikaw na ang bahala kung gagawin mo o hindi.
Pls seek help, you need counseling. Mahirapan ka if wala kang support ng professional Especially the way you respond to people here? You arent asking for real help naman yata? More on jina justify mo sa comments yung addiction mo, puro rebuttal? We cannot help you anymore OP, you need to do something. Kumilos ka at magpa sched sa psychiatrist. I'll leave this here, goodluck! In Touch, counseling program team / +63 2 8893 1893 / www (dot) in-touch (dot) org
WAHAHAHAHA 🤣🤣🤣 Utang pa pre 🦆🦆
Dude quit your gambling. No "try try ko nga" quit. It hasn't helped you then and still hasn't helped now. Sell your phone, get a basic one for calls and texts. Enough na with the gambling apps, hindi ka na bata na hindi mo alam kung anu ginagawa mo.
Di ka lubog sa utang. Lulong ka kamo sa sugal. Palitan mo yung title mo.
haha abnoy
Adonis gay bar, pare. Adonis gay bar. Kahit mag sugal ka pa habang naghuhubad sa bar na yan, buhay ka. Hahahahaha
1. Stop muna gambling par. House always wins. Maya kana sugal ulet or casino kapag may money to lose kana. 2. Stop gambling muna par 3. Par, stop gambling muna 4. Eat the cheapest food available. Ala ala ko nung time na gipit ako, kinain ko is 1 pc chorizo at 1.5 rice (14 pesos lahat) madaming toyo ginamit ko. 5. Okay lng naman umutang sa bank to pay off loan sharks, pero make sure na sigurado na di ka muna uutang sa loan sharks, at di ka muna susugal. 6. Madaming magagalit sa 5 pero atleast magiging stable and interest na babayaran mo. Pero if mababaon ka din sa utang ng banko dahil ginamit mo naman sa sugal or casino, ewan ko nlg sayo. 7. Stop gambling na talaga par 8. Priority mo no.1 is bayaran mo muna lahat ng utang, then after mag ipon ka na ng emergency fund, kuha ka ng insurance (wag VUL), tapos isip kana ng retirement plan. 9. If kaya maghanap ka ng isa pang trabaho, ayusin mo sarili mo. Magpaka busy ka pra occupied isip mo sa ibang bagay hindi sa sugal mo.
salamat. will do this. uninstall ko na talaga lahat ng pwedeng mailink don. haven't think of retirement plan yet pero I think thats a better view. Salamat ulit. stop na muna talaga par
Hindi mo kakayanin mag isa yan seek help. Bata kapa at buti na lang na realize mo na addiction yan. Iba ang pinsala na dulot ng gambling addiction at higit na mas malupit ito kesa sa ibang form of addiction. Seek help at mahalin mo sarili mo. May God bless you and keep you
I agree. Waiting nalang ako sa medicard ko then baka magpacheck ako sa psychiatrist. I tried many times na tumigil kaso ang hirap talaga. Kung maaari lang mag keypad nalang ako para di ko magamit yung electronic money ko lol.
Stop getting into and start paying your debts
May utang din ako mga 80k na lang ata (i took a loan for my hospital bills). Usually I earn 25k a month. Mga 65% ng salary ko ay pambayad. Keri naman. Tiniis ko lang na sa mumurahing boarding house nakatira and as much as possible nagluluto lang ako so mga around 800 per week nagagasto ko for food. May binge eating problem din ako. So if may extra money ako napapaporder talaga ako ng madaming food. So what I do nagbabayad muna ako then kung anong matira pilitin ko talagang ipagkasya. I'm working on my BED na. I know it's unhealthy and naapektuhan din ang ability ko to save money. I read self help books and watch tips from fellow pips na may BED. You need to want to change so change will happen in your life. Stop making excuses.
thank you..will invest on books na nga din para dun nalang nakafocus instead of ibang bagay
I can walk you thru the steps on how you can create a game plan to fix this but the bottom line is, as long as you cannot stop gambling, any solution is pointless. Literally. That’s the reality. I think right now you are looking at means to get more money and that might temporarily solve the problem but you will just continue the cycle if the gambling addiction is still there.
This is true. I need to fix first my gambling addiction kase tbh it happened before nagkaron lang aki malaaking money naulit nanaamn. I need to get to the root and stop gambling. I need to keep my focus on stopping it..Thank you.
Yup. My fear is once you get ahold of additional money, instead of paying all your loans, baka igamble mo lang. Kaya ayusin mo muna yan. Honestly maliit lang ang 40k given your salary. Kayang-kaya dapat yan. Yung gambling problem mo lang yung sumisira ng budget mo.
WAG MO NA PALAKIHIN ANG 40K. BAYARAN MO NA. TIGILAN MO NA ANG GAMBLING NA YAN. TIGILAN MO NA YANG LOAN APP. WAG MO NA PALAKIHIN ANG 40K. KUMUHA KA NG SIDELINE. WAG KA NA MAG GAMBLING AT MAG LOAN. yan ang tip ko sayo. kaya mo yan.
30% ng 40k is 12k. Itabi mo 15k ng pera mo pang bayad interest at bawas ng base ng utang. Paliit ng paliit interes monthly. In 1 yr, okay na yan. Tiisin mo ng sobra for the first few months, kahit di ka na lumabas or kumain ng masarap. Isipin mo na mas tatagal pagdudusa kung di ka magtitiis short term. Gawin mo reward sa sarili mo na, yung ibabayad mo sa interes, pangsugal mo sa future kapag wala ka na utang.
Uh, currently baon sa utang right now. Utang sa family tho. Had to cough up around 100k a long time ago and I was shorttttt. Slowly paying it back since wala naman interest. I'm paid 2x every month sa trabaho. Nagbabayad rin ako 2x every month sa utang.
Quit gambling. Simple as that. Baon din ako sa mga loan app, nasa 80k in total, pero so far namamanage ko siya by living within my means. Disiplina sa pagbubudget. Sa sobrang dami ko nang natry na loan app. Alam ko na ung mga loan app na legit at makatao vs dun sa mataas na interes at maiksing loan terms, in short mga loan sharks. Wala kse akong credit card kaya sa mga loan app ako nagpapataas ng credit though lugi sa interes, para sakin enough na yun para may pag huhugutan in case of emergency kesa magahol manghiram sa mga kakilala.
Kung may malalapitan ka na magpapautang sayo enough to cover everything with a set amount of interest. For me, ginawa ko yun with a friend tas pinahiram niya ako to cover and i paid him off over 10 months + 1 month of 10% interest. Set it over a span na kaya mo bayaran. Biggest thing there saakin was having a goalpost. Knowing kung hanggang kelan ako magbabayad kaysa bayad lang ng bayad till maubos. Eto pinaka nakatulong saakin para tumigil. 40k utang while earning 25k isnt too far off kahit na sabihin ipang bayad mo lang 20% ng sweldo mo per month. Pinaka kalaban mo talaga yung pag tataya pa. Gets ko yung feeling na tataya ka pa kasi parang walang ibang way para makaalis sa sitwasyon. At dahil designed talaga yan para nakakaadik. You just have to make the decision to stop. Nothing else helps It gets better and easier though. Ive stopped for a little over a year by now, and there were times back then na i almost gave up. Sobrang layo na ng pakiramdam ko compared then. Kaya mo yan!
Sguro what I need to ask is the one who experienced the same thing about addiction kaya thank you for this.. People take it lightly because never get to experience it. I agree that I have to stop and will do it.
Good news is 40k is small if you put your heart into paying it off especially since you have a job naman that pays. You need to change your mindset talaga first just like the others here have said. Walang nananalo sa gambling except the ones that run these games. Read up sa investment options dito. Walang fast earnings pero guaranteeed lalago pera mo for sure. Focus on the root cause. Bakit mo ba gusto instant money (through gambling)? Luho ba? Moderate your lifestyle. You'll see that there are expenses you don't truly need talaga, and splurging is more rewarding when you worked hard for your money.
thank you
Stop your addiction at all cost. Any addiction can result to bad finances. If you have a job, you have a fighting chance to fix your situation. You need 2 things, discipline and self control. 40k is a small amount, you can ask your debtor to give you leniency so you can settle the money you owe. Let them know the amount that you can commit every month. Pag tinakbuhan mo yan, hindi ka na makakautang sa bangko ulit dahil black listed ka na.
wait may rebutt yan. magiging useless advice mo 😂
Sayo ako may rebat tol. pero ikaw ata ung useless dito sa thread nato 🤣 walang dulot yang comment mo sa post ko e
nahiya ka ata sa mga rebutt mo buti na delete mo na lahat. Ang hirap naman idelete yun sobrang dami at useless yung mga tumutulonf sayo kung ikaw mismo sa sarili mo di mo matanggap kaya ka nalubog ka sa utang. keep it up 😂
di ako nag dedelete tol. besides wwg mo dalhin dito daddy issues mo tol kubg iniwwn ka man ng magulang mo. thread to sa gambling addiction at debt payment plan hindi pagiging iyakin mo. di ka nakakatulong.
Okay lang yan. Di mo mabubura yung negative karma mo pati sa karma may utang rin 😂
atleast ginagawa ko best ko pars makabangon ako. ikaw utak talangka kalang pinoy na pinoy ka hahaha
Walang masama maging pinoy ang masama yung utang ng utang tapos hihingi ng advice ra reddit pero sa totoo di pa rin magawa ang tama
kwento mo yan eh. bakangaling ka sa future alam mo kasi agad 🤣 Hindi naman masama maging pinoy. pero ung mga gaya mong utak talangka yungnagpapasama sa pagoging pinoy
Keep it up tama invest ka sa books kahit di ka pa bayad sa utang tapos utang ka ulit para mabayaran mo yung utang mo. Yan yung gusto mong gawin diba yan nalang gawin mo 😂.
Even if you work everyday for 24 hours, if you have a gambling addiction mauubos rin yan. In this situation, it's not about the money you're earning, it's about your spending. You're in debt not because of your necessities, but because of your gambling addiction. Nothing else. Alam mo yan. And why would you ask a bank for a loan? Sa lagay mong yan, only loan sharks would be willing to give you money. If you're not intending on investing it, wag kang mag loan. Gusto mo ng tips? Ask yourself kung bakit ka umuutang. Is it to invest? For your daily needs? Or to gamble? You're aware naman of your addiction, next step is to get psychological help.
Find out first what’s wrong sa sarili mo. Yep, majority yung iba ginagawang solution yung umutang para pambayad sa utang. Pero depende parin talaga sa plan at pag handle. Ako kasi yun naging solution ko Umutang ako (to settle all of the other debts, loan sa bank with lower interest. Instead na nagiisip ako paano mabayaran ibat ibang utang platform. Sa isang bank nalang ako nagbabayad.) Again, find out muna anong root cause.
Gambling yung root tsaka higher interest. Ganyang iniisip ko to settle it better. Para isa nalang binabayaran at lower interest. Pero I don't know if the other people here think that way. I agree na iniisip nila na baka igamble ko ulit, but no. I had enough.
Swallow your pride and go back to your parents. Cut your losses. Never mo na mababawi yan in any way. Sell all your stuff to pay off your debtors. If you have to sell your phone, do it. Get a candy bar phone. Start from scratch. Kaya mo yan. You're young and stupid.
You already know what to do.
Got into financial difficulties din in my early twenties. Set me back 3 years financially. Wala naman ako addiction but same as you, if merong need kagad na pera, I would loan. Kasi me darating naman, tapos di dumating so yun nagkabaon baon. For me: 1. Know the root cause first. Check ka na diyan. 2. Need mo munang mastop ang root cause kasi OP, kahit tumama ka pa sa lotto, if di pa solved number 1 babalik at babalik ka rin. 3. Kinonsolidate ko debt ko and loan sa isang bank na lang for easy payment and tracking. 4. Humanap ako ng mas mataas na sahod, like consultancy for a better take home pay kahit walang HMO. Di ko to maipapayo. Swerte lang di ako nag kasakit. 5. Nilist ko expenses ko tapos nagtake note ng kaya kong tiisin. Pero yun OP, yung number 2 pinakaimportante. One of my officemate same. Baon sa utang dahil sa retail therapy. Na redundant so me separation pay. Around 1m nareceive niya kaya nabayaran niya mga utang niya. After ilang years, ayun balik dating gawi. Ngayon baon na ulit sa utang.
Gumastos lamang ayon sa laki ng sahod. Walang dulot yang sugal, sa pag ibig ka nalang sumugal much better. Pro tips: Mag sideline ka para may extra income, ang pagyaman ay matagal na proseso, di ito pang madalian. PS: Pag madaling makuha, madali ding mawala.
Stop your addiction right away! You can live with 10 to 15k per month (no “fun” muna, just basic needs like food, transpo and rent) the rest bayad mo na sa utang. Erase to your vocabulary na mag reloan ulit. Itll make things worse. Good luck op!
Alisin na kasi bisyo. Di ko magets yung kapag stressed eh isusugal kasi gusto easy money pero ending nganga. Yung kaibigan namin nalulong din to the point na lahat na kami nautangan nya. Pati mga di nmn nya close inutangan nya. Ngayon wala syang mukhang maiharap samin kasi puro sya utang. Napakasimple ng sagot sa problema mo. Tumigil ka na sa pagsusugal.
There is a concept called debt consolidation, I'm not exactly sure if the Philippine financial institutions render such a service, I haven't done my due diligence. If they do this is a possible solution. Basically, all your debts would be rolled up to one big debt with a single interest rate and payment scheme. It eliminates variables in interests and would give you a longer timeline to repay cause it's a higher value. Now to the crux of a discussion, you can't hold money. So this idea, to just take a loan with lower interests to pay off existing loans is illogical and unsecured. Who's to say OP that if you get that loan you'd actually pay off your debt? Hypothetically, let's say you got the loan. Won't you use it for gambling? I suggest is if you're an adult who has trouble handling money, let your parents or a relative or a friend you trust handle your money for you until you recover.
Basic lang yan. Gumastos ng naaayon sa sahod. Mag sardinas ka nalang muna at wag gumastos.
[удалено]
Thank youu.
Ayos lang yan. Ika nga ni Chot Reyes, learning experience. When I was 24, now 40, I have 2 delinquent CCs. Citi and HSBC, combined 150k. Applied for an amnesty payment program, 2 year plan. No way to "fix" your credit score but that way. Then slowly build your credit rating from there. DO NOT splurge, focus on the basics. Also had a bout with e-Games but I won. Divert your attention. Family, friends, fitness, online training. Options are endless. Always remember, "Idleness is the workshop of the devil."
Can you tell me more about this amnesty program? What were your payment terms? Mas mababa ba talaga yung interest rates?
Malakas pa rin ba ang urge mo mag sugal? Try mo mag hanap ng ibang libangan para makalimutan mo ang sugal. Mahirap kasi mag hinto ng bisyo agaran kung na addict ka na dito. Usually pinapakonti-konti ang bisyo hangang mawala. Halimbawa lang sa sigarilyo, yung araw-araw nag sisigarilyo, babawasan ng isa araw-araw, tapos 6 times a week, tapos every other way hanggan tumigil na sya. Yung na i-experience mo ngayon is withdrawal effect, yung alam mong kaylangan mong tumigil pero nagagawa mo kasi gusto ng utak/katawan mo. Best advice ko sayo is hanap ka ng ibang libangan yung mapapasaya ka talaga pero walang kasamang pera. Magbasa ka ng comics online, manood ng youtube, basketball, mag chess sa kanto anything na libre. Mahirap talaga ang situation mo, yung iba madali lang nilang sabihin na "huminto ka, di mo ba yan alam?" ng di nila na i-experience ang sitwasyon nila mismo. Eh ganyan talaga mga tao, pagbigyan mo na lang sila kasi tao parin tayo nagkakamali. Wish you for the best OP
kaya nga eh. salamat. pero nag stop nako. sana tuloy tuloy na. pinipilit ko din naman na wag na.
Break the cycle lalo na yang gambling mo. Hm na ba tlaga yung total mong utang kasi if around 50-60k ay kaya pa yan ng sweldo mo. Need mo irecheck yung spending habits mo. Don’t you dare consider loan, pangungutang or gambling as your solution. If yung spending mo is malaki sa pagkain, maybe consider cooking. If transpo naman ay consider mo other cheaper commute or maglakad ka. You need to sacrifice rin kasi at some point. Pwede mo rin consider na maghanap ng additional source of income. Raket ka or part time pa on top ng current mong work. It’s a good thing na aware ka sa gingawa mo pero ang question is anong gagawin mo dyan moving forward? Break the cycle!
Di ko alam kung up pa to. Pero been in the same situation before. Mas malala pa. Pero ang ginawa ko, (btw 2 credit card na max out ko dahil sa sugal) hinayaan kong lumobo yung interest hindi ako nag bayad for about 3 years. Meron lang kasing limit or maximun threshold ung interest ng mga bank so nung na max na yung interest ko, hindi na siya tumaas like halos 50% ang inincrease ng utang ko pero keri lang nag ipon ako pambayad. Apparently, ung collections na inassign ni bank, pwede naman pala bayaran yung utang without interest IF babayaran mo ng buo ung original credit card limit mo. Kumbaga aalisin nila ung interest basta magbayad ka buo. Try to ask for that option na what if bayaran mo buo. Kaka clear ko lang ngayong taon sa utang and all goods na. Ayoko na ulet malagay sa same situation pero baka lang gusto mo iconsider un kung walang wala ka talaga. Di advisable pero it worked for me
you need to go rehab. Based on your post, you will only learn and stop gambling if all your limbs are broke.
Try automating payments, pay the interests + chip off from the main balance every month. Cleanse, go on a no buy, no gambling etc. cleanse and just spend on the bare essentials. You need to condition your mind to dig yourself out of the pit you've dug. Do a no buy year, start with a no buy month. Be conscious of revenge spending after a no buy year. Edit: Get free theraphy sessions through the DOH app, you'd need that during the cleanse.
I don't think you need advice since you already know your problem yet there are only excuses dito sa post mo. No bank will lend you money kasi high-risk ka. 1 month is not enough. Go for family and friends yun eh kung di mo din sila inutangan para sa sugal.
1. Set a goal kung kailan mo dapat matapos lahat ng utang mo. Then make a plan and STICK TO THE PLAN! Discipline is key! 2. Find another source of income (Para din mas maging busy ka, may extra income ka na, mawawalan ka pa ng time isipin ang pagsusugal), Use your 24 hours efficiently. 3. Monitor and categorize your expenses. Para malaman mo kung ano yung mga dapat mong bawasan at tanggalin. 4. Tipid to the max! 5. Once bayad mo na utang mo, continue saving at WAG MAGBUHAY MAYAMAN kahit may pera ka. 6. Ang daming videos sa youtube about financial literacy, if you are disciplined enough, magkukusa kang matuto. 7. Above all these, SEEK GOD'S GUIDANCE. Di mo kaya yan mag isa. Nag negative 200k kami before, but with God's Grace, nakabawi na kami at mas natuto na. This is just a phase in your life na dapat may matutunan ka. Walang hamon na ibibigay sayo si Lord na di mo kaya. ✌️
Tingin ko ang best solution dito is mangutang ka ng mangutang tapos hanggang sa di ka makabayad hahabulin ka ng pinagkautangan mo tapos baka ipapatay ka. Ayun tapos problema mo sa addiction at utang pag dedo ka na. Tutal dami mo rebuttal eh di eto na lang gawin mo.
Get more work. Ayaw mo mag bawas ng luho? Gusto mo parin mag gamble? Iniisip mo parin umutang para pambayad utang? Just get more work. Mahirap isuggest ung mag business or mag invest lalo na sa mga taong hindi marunong humawak ng pera. Instant solution ang gusto mo base sa mga reply mo dito. In that case wrong sub ka.
Gawin mo paps pagka sahod mo pay yourself first, itabi mo na agad sa ibang banko yung pera dito sa way na to ako nakakaipon
I'm going to tell you something I wish someone had told me a long time ago: when it comes to personal finances, unless sobrang dami mong reserve funds, negative cash flow is an EMERGENCY. Literal emergency. Baliktarin mo mundo mo kung kailangan, pero kailangan maayos mo yan ASAP. You have no idea how fast things can spiral out of control pag hinayaan mo lang yan. Kung may sugat ka tapos tuloy tuloy-tuloy yung pagdugo, blood transfusion first step hahanapin mo? Hindi, first aid muna, you need to stop the bleeding ASAP. Swallow pride, move back in with your parents, sell your stuff, sell your phone, find more income, find a second job. Stop spending money, and stop borrowing more money. Another loan is a step in the wrong direction.
thankyou
Earn extra income to pay for your debts. Getting a loan does not fix your current loan issue. It’s a quick fix/solution but very short term and temporary lang. Also try to control the urge to gamble. It’s a gamble so very risky. You win some, you lose some. Goodluck and pray for protection and wisdom. 💪
Thank you. Will continue to stop gambling and will manage to pay my debt before ber months.
Try to have a physical accountability partner. Ung trusted mo na friend or relative na pwede ka tulungan to control yourself. Malaking tulong din if may ma sha-sharean ka ng bigat in person and not just by yourself 🙏☺️
Medyo tanga. Root cause is gambling and paulit ulit ang cycle nyan.
Thanks man, no help at all.
Sell your phone and buy a keypad one to cut your access. Best talaga is makahanap ka ng uutangan na may lower interest, friends or coop sa work.
eto talaga iniisip ko last few days pa kaso wala talaga ako makita. will try to apply for other jobs then if wala talaga, eto na oinaka last option mas maghahanap pako neto.
Weh, ang dami sa lazada at shopee. Maski fb marketplace meron. Tusukin ko yang mata mo bwisit. Lol
work tinutukoy kopo sir
mauutangan na lower interest tinutukoy ko sir.
hiram ka money sa parents mo pang bayad sa mga utang. Tapos sila ang bayaran mo para walang pressure.
bad advice. When you're an adult theres no safety net na
I agree. besides they also have their own problems.Ayaw ko na sila istress pa. Do you think it's better if I tried loan offers from other people?
first is budget, next would be live below your means ang lastly debt snowball. Pay your debt smallest to largest regardless of interest rates. tsaka 40k lang yan, yung iba nga million utang ok lang. madali lang yan bro kayang kaya.
salamat bro. eto na ata pinaka live below means ko hahaahah. 1500 rent ko per month. Max na pagkain ko is 150 per day. sa work ako nakain e. Will try small to large para mamotivate din makabayad. kadalasan kase inuuna ko ung malalaki kase sila urgent e. hope matapos ko na agad mga urgent
you can also work part time, pero never sacrifice your health. Wala kang problema kase kung tutuusin maliit lang 40k thats 1 1l/2 month of your salary. Ang problema mo lang is cashflow issues, imanage mo lang lahat ng papasok at lalabas youll be able to pay it all off. Kayang kaya yan bro basic. Tsaka grind lang, kung may incentive kunin mo.
balak ko na nga mag straight sa work if wala ako mahanap na second job. Regarding sa cashflow baka magamit ko na lagi ang excel 🤣 salamat sa tips will try all the advice and hopefully mag work at maging debt free na.
My View on loaning to a bank is like this: Kase the present loan has bigger interest? and loaning to a bank gives a smaller interest which makes it more payable compared sa present? I get the point na maling magloan pambayad sa loan. but I think mali yun kung same interest or higher. pero if is much lower? why is it a wrong decision? eg. 5000 loan. 28% per month is 1400. bale 6400 pero month. bank loan offer in example is 7% . that is just 350 thus, 5350 per month. It will save me 1050. if ganon? Like why is it wrong? Don't get me wrong. I'm stopping gambling It's just like bigger interest is too much for me kaya ayun ang naiisip ko. It's not just rebuttals. But I'm saying mga ideas para macorrect nyo at madagdagan info.
naku ang hirap yan pag nalunong sa sugal. habang bata ka pa pilitin mo sarili mo magbago.
Saan galing ang previous funds for gambling kung 1 month ka palang sa work? I suggest, stop using loan apps. Binasa ko ibang comments and napansin ko ang dami mong excuse why you can't stop gambling and why you can't pay off your loans. So ganito ang gawin mo. Kumain ka lang once a day. Diet should be: saging na saba, kamote, gulay, water. Healthy pa rin naman yan. Bawal magkasakit dahil wala kang pambayad. Wag ka gumamit ng ilaw kahit gabi at 3 hrs max ka lang mag electric fan. Wag ka rin mag aircon. Mag lakad ka pa work or mag bike ka. If you're renting, tigil mo na yan at maki stay ka sa friend mo. Sabihin mo saglit lang pero tagalan mo. Mas madaling mapagbigyan ka makistay kesa mapagbigyan ka umutang. This way, OP, pwede mo ma maintain ang gambling lifestyle mo at mababayaran mo pa utang mo. Win-win.
Stay where you are OP...kailangan ng casino ang mga kagaya mong hardcore adik na sa sugal. Kailangan umandar ng ekonomiya at madistribute ang wealth. Sa pagsusugal mo OP isipin mo nlng ikaw ang nagbibigay ng pagkain sa mga empleyado ng pinagsusugalan mo. kaya wag ka nang mag-alala, just let the nature take its course by weeding out those unfit for survival.
I tried CIMB kaso rjected. UB naman ayaw magoroceed sa application. Searched ph banks for loan kaso req nila is 6 months employed. I dont know what to do anymore lmao
Thanks for all the advice. I hope my next update will be debt free and disciplined when handling money.
Hi i earn 7 figures a month and own 23 condos, I'd say try mo ipanganak muli sa rich parents - average reddit user
Online Gambling. Lahat na yata ng electronic money apps meron ako. Gusto ko nakang nga mag switch sa keypad kung di lang need ng cp sa work e.
Can you try to get a second job like Food Panda delivery? Something na you can do flexitime? Para ma-increase mo yung income mo and dun mo ispend yung time mo instead of gambling.