The Truth About Debt: Hindi Lang ’Yan Money Problem—Momentum Killer ’Yan


Alam mo yung feeling na kahit may sweldo ka, parang laging bitin? Like may pera ka sa papel… pero hindi mo naaramdaman yung ginhawa?

Been there.

Kwento ko lang—meron akong friend na laging excited tuwing payday. Pero lagi rin siyang stress pagdating ng mid-month. Bakit? Kasi halos buong sahod niya, pambayad lang ng utang. Walang natitira para sa sarili niya. Parang robot na lang. Sweldo, bayad, repeat.



Ito ang hindi madalas pinag-uusapan:

“Debt doesn’t just drain your wallet. It drains your energy, your peace, your dreams.”

Kahit maliit na utang, pag pinagsama-sama?

Stress. Puya’t. Missed opportunities.

  • Yung raise? Napunta sa card payment.
  • Yung dapat bakasyon? Postponed na naman.
  • Yung business idea? Nauna pa si Shopee kaysa sa startup mo.

And it’s not your fault. The system is built to keep you in debt. Yung mga “0% interest,” “Buy now, pay later,” “Flexible terms”—lahat ’yan naka-design para makalimutan mong utang pa rin ’yan.


Pero ito ang good news:

Pwede kang makawala.

And you don’t have to be a financial genius to do it.

You just need to face it, one step at a time.


Minsan sinasabi ng iba, “Wala naman akong extra money pambayad eh…”

Gets ko. Totoo naman. Pero ang tanong: Gaano ka katagal willing maging stuck?

Minsan, masakit lang talaga tingnan yung totoong numbers. Kaya ini-ignore natin. Pero once tinignan mo? Doon ka magsisimulang magkroon ng lakas ng loob at mindset.


You don’t need to be perfect. You just need a PLAN.

  • Snowball kung gusto mo ng small wins muna.
  • Avalanche kung gusto mong makatipid ng interest long-term.
  • Extra cash? Hanapin mo muna sa loob ng bahay mo. Literal. Benta muna. Bawas luho. Mag side hustle kung kaya.

Promise, one focused year is better than 10 years na puro pambayad lang lagi.


Hindi ka tamad. Hindi ka rin bobo sa pera.

Nasa sistema lang talaga tayo na gusto tayong manatiling pagod at palaging may utang.


But you don’t have to stay there.

✔️ Simulan mo. 

✔️ Tapusin mo.

✔️ Then never ever go back.


Own your money. Own your life.

Let’s kill that debt and build momentum!




– Ana Estrella
Licensed Financial Advisor | Advocate for Financial Literacy
Founder 
Plan B - Buhay at Plano


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