utangera dot com

How To Save From Unnecessary Expenses

2012-08-19T07:37:00.000-07:00

For someone who is working on getting out of debts or eliminating her debt list, saving is a must. It lets you accumulate and set aside extra funds to slowly pay your debts. While identifying your wants and needs is an essential part of saving, discipline comes first. There are a quite number of saving method published both by professional and bloggers alike on the internet, but the one you must choose is the one that can actually work effectively for you.

Personally, I have made my share on this and come up with some unnecessary expenses I have been incurring for the past months that could have been thousands in pesos by now - could have chopped off some of my debts in fact.

If I could have avoided these expenses for the past three months, I would have accumulated the minimum requirement for a time deposit here in Singapore (according to PNB, minimum time deposit in the Philippines is Php25,000). Assuming I will roll-over the time deposit after the fixed term and add my accumulated funds for the next three months, the higher the interest I would have earned. Let's take a look at this figures:

I myself was totally impressed by how money could have grown. And this savings came from cutting of the unnecessary expenses alone - 21% for one year compared to the normal savings interest of .25% per month or 3% per annum. What more if I would have a regular monthly savings and the same I will add as time deposit?!

The interest rate would be the same but the point here is, your money is not sleeping but is actually working for your advantage.

Please take note that saving is a personal choice. So there are methods out there that might be effective for some but not for you. So choose the one that is best suited to your financial condition and which you can follow religiously.

Photo credit: shoroc.com

Money Saving Motivation

2012-07-17T21:50:00.001-07:00

As written, discussed, blogged and testimonied a lot of times, the various tools and means to eliminate debts or loans are indeed helpful. But by managing your expenses or earning some extra income would take your debt elimination process on a higher level.

So let us say, you value your time, you do not want that extra time spent on working after work, you want to spend "that" time with your loved ones...etc. In short, you don't want extra work or income anymore. By managing your expenses and thus eventually having some savings on those expenses it's like earning extra income in another form.

Here are some ways to motivate you on saving money which you will eventually use to pay off your debts:

1: Create a spreadsheet Instead of constantly trying to work things out in your head and making rough estimates on how much money you have left for the month, make things a whole lot easier by creating a spreadsheet. At first glance, these can seem a little daunting but it’s really easy once you get used to it and there are many free spreadsheet websites online which work out all the sums for you. By having your outgoings on a list in front of you, you can identify what you’re saving on and what you perhaps need to cut back on.

2: Avoid shopping when you’re feeling emotional... or hungry
You’re feeling a little down in the dumps but you need a new work shirt... bad idea. Turn around, get back inside the house, lock the doors, and ask someone to hide your keys right now—if you’re feeling emotional there’s a high chance you will end up splurging on stuff you don’t really need to give you a quick happiness boost. After spending five minutes looking for a shirt, you return with a few tins of paint to re-vamp the house, a new wardrobe of clothes, and a mop for the kitchen floor, but the new work shirt is nowhere to be seen.

Whilst these spur-of-the-moment purchases may uplift your mood for an hour or two, the initial high will soon wear off and you’ll be left feeling worse as you realize you’re left with nothing more than a few bargains and an empty bank account. For a thriftier approach to shopping, go when you’re in a pretty good mood and—whatever you do—don’t shop for groceries when you’re hungry.

3: Surround yourself with exciting hobbies and positive people
Rather than spending money on takeaways and meals out to cheer you up after a long hard day, identify other things you like doing that will boost your mood instead of spending money. Arrange some fun things to do with family and friends around your house or take up a new hobby such as gardening or crafts. We often end up spending more when we’re bored, emotional, and/or lonely so plan a film night with your family or buy a few ingredients from the grocery store and try cooking something you’ve never made before.

4: Save little and often

It’s a common mistake to think that you can’t start saving because you don’t have much money, but that’s like saying you won’t go on that one-hour run because you don’t have the whole day off to exercise—it’s counterproductive and unrealistic. Experts advise that the best way to boost your bank balance is by taking the ‘little and often’ approach to saving. Rather than putting a lump sum of your month’s wages into a savings account and leaving very little to live off for the rest of the month, just put a small amount away as often as possible and the money will mount up without you even noticing it. The more you see your bank balance rising, the more you will want to keep adding to it. Go on, try it—it’s addictive.

5: Put some money aside for pleasureIt’s important to treat yourself occasionally to avoid getting frustrated and spending all your savings at once, so make sure you include a little “happy time” money in your budget to treat yourself every now and again. Do you want a new television for the living room? Save up for one. Fancy a small break somewhere nice? Save up for it. Once you’ve saved up for something and reached your target amount, you’ll feel much better than you would if you spent money that you didn’t really have in the first place.

Money saving motivation 6: Read a finance blog or make your own
Personal finance blogs are becoming an increasingly popular form of inspiration for many people; they can encourage you to save and adopt good financial habits in the process. It’s also really interesting to take a sneaky peak into the lives of other people and see what they enjoy the odd splurge on. If you’re feeling really brave, you could create your own finance blog to share your own tips and advice with others. This will not only help you to network with other people in the same financial mindset as you, but it will encourage you to save more so that you can feel extra proud of yourself when you share how well you’re doing with others.

7: Get support
If you’re really feeling the pinch and you need advice, don’t feel ashamed to seek support from others. You may feel like a little fish in a big pond when it comes to finances, so seek advice from a financial expert who will have a lot of experience dealing with problems like yours. Your financial adviser will come up with a realistic plan to help you sort out any money difficulties.

Source: Yahoo

How To Grow You Money At A Young Age

2012-07-14T01:18:00.001-07:00

Few months after I mentioned investing in stocks with my eldest son started his interests in investing. At first it was about the thought owning a part of his favourite fast food chain in the Philippines - Jollibee thru an online stock broker. He was delighted to know that at an affordable sum of money he can already "own" a company as big as that fast food chain.

Then a few days back I introduced to him why he should want grow his money at an early age. It was a relieve that he doesn't want to work abroad to earn a bigger income. According to him, it is still best to enjoy life and happiness together with the family. So I told him, then you need to be financially literate and grow your money!

First and foremost, we need to know why do we want to grow our money I told him. There should be a goal which you want to work on achieving.

Do you want your own house? Do you want your own car?

Do you want to take pleasure on travelling around? Do you want to help others?

If the the answer is yes, then you have a goal. And achieving one of these should not in any way affect the life style you want to live. There should be no worries on how are you going to pay up your bills after buying that dream smart phones. Or after helping a relative, deep inside you, you were not totally happy because it affected your budget for the month. Scenarios which you can only avoid when you know that cash out like these is replaceable because your money is growing.

So how to grow your money at a young age then, he asked me?

You set your goals - visual, intellectual and financial goals.
Live simple - stick to the basics until you are stable - emotionally and financially until then you can add some perks and leisure to your life style.
Know where your every peso goes.
Save as much as you can.
Invest in companies you dream of owning (motivation is the key here since a child is still a child)

Bottom line is, let the children know the value of hard-earned money and the pleasure of growing of his own wealth at an early age. Do not under estimate the happiness this simple enlightenment would do to them that even as young as they are, they can actually control how stable they can become someday. Stability means having not to incur debts.

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If You Have Debts, Should You Still Save Money?

2012-07-10T06:57:00.000-07:00

Definitely yes. Why?

Because you need to have some cold cash when you encounter another unexpected expenses. Otherwise, you will be resorting to getting another debt again. A very good point I stumbled upon while reading my all time favorite finance blog.

Please read along with me.

But wouldn’t it be wise to pay all your debts first (specially credit card debts) and then work on your savings afterward?

By doing this, you’ll pay less on interests and you’ll get to eliminate your debts faster.

Yes, that is true. But personal finance is not all about money, interest rates and figures; it is also about mindsets, positive habits and personal rewards. My answer is based on these principles.

Let me explain further through an example.

Let’s say you currently have P20,000 in credit card debt which accrues an interest of 3% per month. Furthermore, your monthly earnings and necessary expenses leaves you with P5,000 net savings at the end of the month. By using that amount to pay your credit card debt, you’ll surely be debt free after 5 months, and you would have paid a total of P964.50 as interest.

Now let’s say you only use P4,000 to pay your debt and save the remaining P1,000. This plan will eliminate your debt within 6 months. Alternatively, you can choose to pay all your debts by the end of the fifth month. With this plan, you would have paid a total of P1,273.63 in interest fees.

From a mathematical point of view, Plan A (pay debt, no savings), is the better choice. But if you take into account human nature, Plan B (pay debt, save money), will clearly have more advantages from a psychological point of view.

Why and how?

The reason why you have debts may be because you don’t know how to save. Plan B trains you to save money which will help you avoid bad (and ugly) debts in the future.

You’ll have money in cases of emergency. Thus, helping you avoid getting more into debt.

Your debt is being eliminated AND you see your savings growing. That’s two positive affirmations that rewards you psychologically and motivates you to continue.

Previously, I mentioned that your emergency fund can be alternatively used as an investment fund. If we take that principle into practice here and invest the monthly savings on a low risk opportunity, then you’ll have the best financial scenario.

Even though you paid more interest fees, your net worth in Plan C would be P486.83 higher than in Plan A after 5 months. (Can you see how I got to that figure?) Of course this is assuming that your invested money grows by 10% monthly, which is actually not very hard to do.

The key to making Plan C (pay debt, invest savings) work is to grow your savings / investment at a rate higher than the rate accrued by your debt.

To conclude, do remember that all of us have different financial situations and different mindsets when it comes to debt. But in most cases, the thing that suffers most when we are struggling with debt is our morale.

Thus, in the end, it doesn’t really matter if you do Plan A, Plan B, Plan C or any other plan. What’s really important is we find a way to eliminate our debts through a plan that gives us more confidence, self-worth and the motivation to have financial control of our lives.

Source: Ready To Be Rich

How To Save On Buying Branded Clothings or Items

2012-07-07T06:12:00.001-07:00

While it is true that when you buy something you do not need today, you will probably be selling the ones you need in the future.

But are not clothes part of our basic needs?

Definitely yes!

Only it become a luxury or a want when we become brand specific. I myself is an avid buyer (this is not the main cause of my debt I must tell you) of branded items - for my kids. I just feel good whenever they are healthy and good looking. Times that they are wearing other than Guess Kids, the shirt might be a gift or a pass on. Needless to say that yes I spend on things for my kids that might be a luxury to others but just like voting, I buy wisely.

I looked for big discounts and Guess shops holding on sale items. If not on sale I do not buy.

Look what I found for the kids. I bought them at 50% off. Isn't it cool?

And the best part is they will be holding another fantastic sale on the 20th so see you there. I was told that shirts would range from $5-$10 dollars only.

Talking about best deals, right?

Saved $61 Today

2012-05-22T10:04:00.002-07:00

i always feel guilty pag inuuna ko sarili especially sa mga bagay na kapag hindi ko naman mabili e hindi naman ako mamamatay. pero at the back of my mind, sinasabi ko na i deserve this naman kc nagwo-work ako. someone needs how to reward herself pero if alam mo sa sarili mo na may mga taong umaasa sayo at kung gaano kalayo ang mararating nun ng equivalent amount in peso, napapaisip ako lagi. pero minsan, bumibigay ako at nanghihina din lalo na pag magaling ang sales talk.

but today was an achievement for me - proud of myself!

dahil sa bagong bff ko na laptop at kaadikan sa pagba blog, tinadtad na naman ako ng pimples. ung pimples ko na parang mga kautangan ko lang - imbes na mabawasan lalo pang nadadagdagan! kainis lang. so everytime na titingin ako sa salamin, naaawa ako sa nakikita ko. hindi ako pinagpapala ng magandang kyutis pero sana malayo na narating ko at kaya ko na sanang magpa-vicky belo at maka elbow to elbow ang mga ini-sponsoran ng celebrity cosmetic surgeon davah?! at ako lang ang dapat sisihin sa paghihinagpis ko ngayon.

eniwey highway, so me makulit na babaeng may mala porselanang kyutis ang naka spot ng aking bukbuking mukha sa mall. sabi nya cguro sa sarili - "whoa, this is a potential client!". so explain, explain at isa pang explain kung baket ko daw need bumili ng voucher worth $22 para kanilang special facial treatment. pinakita ang list ng gagawin - same process na binigay sa akin nung nagbayad ako ng $38 at walang nangyari!!!!

ikot ikot pa sa mall - at nakita ko ang isang bagay na parang kumikinang sa gitna ng mall...

benetton black sling bag - my weakness. from $89 to 39, not bad davah?! sa taong walang utang at walang ginagamit na bag, sobrang best deal na to. pero naisip ko, sa dami ng nakaabang sa bawat pisong padala ko (kasama na ung mga naningil) at bag na hindi ko nagagamit sa cabinet, hindi practical na gumastos ng $39 for something i might find good deal but i do not need.

so bottom line - saved myself $61 today. yahoo! tabi ko na lang sa bank.

coming to my senses slowly, slowly. hindi pa naman huli para magbago. i remember tuloy ung movie na "confessions of a shopaholic".

Rebecca Bloomwood: I know I've made some mistakes, but I"m turning my life around.

Makati Ba Ang Paa Mo (Are Your Feet Itchy)?

2012-05-19T10:48:00.003-07:00

Living frugally also means anticipating and planning things ahead - to cut costs or pay less. If you are someone always on the go or someone who loves travelling a lot for a lot of reasons, this shouldn't cost your fortune.

Here are some of the ways, if not the best, that could help you lessen the travelling expenses and would just allow you to -

Enjoy!

Book and purchase airfare online ahead of time. I will not mention that Cebu Pacific and Jetstar are one of my fave coz they do not pay me for this write up but yeah, they offer one of the best deals for travelling Asia. From time to time they also offer seat sale so better sign up for the club membership
Book and pay your accommodations online. This will save you the trouble of looking around the place for the best deal when you are on the "place" already thus causing you to pay more for the transportation like taxi or that airport shuttle.
You may also explore the internet for the must see places to save you time and be able to see only the best of the best, right?
Bring only what you need and give space for things you might be buying when going back home. This will save you on buying another luggage or carry-all bag and even luggage fee. If you are a frequent flyer and travels on an average of 6 per year so you are actually saving $180 a year! Not bad. I mean you will not get this monies anywhere.

Bottom line here, when you travel especially for holiday or for pleasure, you should be enjoying. Do not be burdened by the things that can make you happy by simply forgetting to plan or anticipate.

Cool Android Apps and Other Financial Software On The Go!

2012-05-19T10:20:00.002-07:00

Surprise surprise surprise!

If you are using an Android phone and you are in debt (how can you even afford an Android phone in the first place huh?), cool Android apps are now available for you to manage your finances - investment, payments, expenses and moreso, your debts!

And here's the best part - they are absolutely free!

I have been looking for debt tracker that I can put in this blog but had not been successful so far. But finding these tools to track how I am doing with paying my debts is a blessing in disguise. As someone always on the go (no, I don't mean I travel a lot) and someone who is not willing to save the debt list in the office's computer, these apps are certainly cool.

Source: androidappreviewsource.com

Top 10 Finance Apps for Android

Here are the Top 10 Finance Apps for Android currently available on the Android Market.

Pageonce – Money & Bills
Automatically organizes and tracks your money, bills, banks, credit cards, investment accounts, frequent flyer miles, rewards, mobile minutes, text and data usage in one app. Control where your money goes and get real-time alerts and reminders.

Mint.com Personal Finance
View all of your accounts and manage your budget in one place. See where you spend and find personalized savings.

MoneyManager
Simple app for managing your finances. Features in and out entries, category management, charts, CSV export, comes with a widget, backup and restore capabilities, choose date and choose currency ability.

Bloomberg
Get business and finance news, market data and stock tracking tools from the most trusted source financial professionals around the world rely upon.

E*TRADE Mobile Pro
Securely buy, sell and place orders from anywhere, anytime with this app.

Checkbook

Used in place of a paper register, you can keep track of your finances without needing to carry around your check register.

Currency
Convert among 160+ currencies and commodities using up-to-the-minute foreign exchange rates.

Mortgage Calculator
Calculate mortgage or auto payment and amortization. Advance mode will determine PMI and sum up other expenses.

Stocks

Stock tool that allows you to sync with Google Finance. Provides up-to-date stock details and charts.

Expense Manager
Expense manager is great application for managing your expenses and incomes. Features include tracking expenses and incomes by week, month and year as well as by categories, ability to track multiple multiple accounts, schedule the payments and recurring payments, payment alerts and more.

Hope you find any of these helpful to you because for - I love em!

Admitting You Have A Debt Problem

2012-05-19T10:13:00.000-07:00

First and foremost, you gotta admit to yourself at least that you have a debt problem. Logically you should, because how you could solve a problem if you do not recognize, acknowledge or admit that there is one.

You know what I am saying right?

This one could be the hardest at first of becoming a debt-free as it is easy to blame your financial problems on factors affecting your life or your finances that is beyond your control. However, you will only have courage, energy, self-discipline and passion to change only after you can admit that -

you, yourself and only you are responsible for your debt problem.

No excuses, no alibis, no lies and no escape goat.

Tell Us Your Story

2012-05-19T03:38:00.002-07:00

Are you a certified "utangera"? Are you having sleepless nights thinking about either how you can repay your tons of debts or how to avoid paying them ? Or simply someone wishing that there is a magic wand that can make you disappear from this cruel world or hibernate for a period of time until that collecting agency, a neighbour or that someone you used to call friend forgets about you and the money you owed them?

Photo Credit: Stephan Smith FX

Do not despair my friend. Share it with us. We are not professionals but we are having the same difficulties as yours. What is more wonderful than sharing something without judging you but simply understanding and willing to go with your journey as we go hand in hand out of this mess.

Or you are probably someone who had just won the battle over debt and now leading the path to debt-free life. Please share it and inspire another soul on the other side of this planet. You can never know - with your story, not only it will be inspiring but can save a life of someone.

Photo Credit: ClipArtOf

Send Me An Email

2012-05-19T03:37:00.000-07:00

Whoever you are - collection agency, delinquent debtor, certified "utangera" or just a person in a debt shit and looking for someone to talk about it, please do not hesitate to shoot me an email. Share your fears, your emotions and plans. Just let it out.

And hey, advertisers out there, yes you can send me an email too should you be interested in posting your advertisements here.

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First Time In Utangera Dot Com?

2012-05-19T03:33:00.000-07:00

Hello and welcome to utangera dot com.

First of all, congratulations for taking that first step courageously - accepting yourself right now as a certified utangera and that you need to get out of the debt pit - as soon as possible! Surely, the journey is uncertain and would not be a bed of roses as they say - but we will support each other. Cheer up!

Getting out of debt should have the same passion as when you were getting it. There should be a fire in your heart that you want it - very badly!

Utangera dot com was initially a personal blog - chronicle of a crazy lady (that's me!) who was for years now trying to get out of the mess she (that's me!) created herself - but failed. Big time!

So instead of doing the blog for myself only, I conceptualize that why not let this be an inspiration to many others who are facing the same difficulties?! So this is not just about me, this is about us...

So before we go any further, I suggest you to read on Breaking The Habit and Admitting You Have A Debt Problem articles first because those will enlighten you and will help you asses yourselves.

Aside from discussing Steps to Eliminating Debts we would only provide with helpful articles on the following:

This will be a promising journey tackled in funny ways so ride along!

Ang Buhay Ni Utangera (Life Story of Utangera)

2012-05-19T01:42:00.003-07:00

Just like you, I have a lot debts - from different people on different locations (I mean country!). If needed to pay, I would usually get another loan to repay it. We had almost a year-round of trouble paying the electric bills and got two internet and phone installations in a year because we were not able to pay the first one. Until finally, we gave them up. I have loans and debts for every occasion - during enrolment, Christmas season, when there's a sick member of the family (even my relatives)...name it.

That's how I became a certified "utangera".

I did not become like this over night. After a not-so-wise financial decision after another for a period of time, I just found myself one day crying over a nasty comment of a colleague about debts, hesitant to attend social gatherings because I might stumble one high school or college classmate from whom I owed some monies, changing my privacy settings on Facebook to "Only Me" and worst, one of my best friends in college had "unfriend" me until I left my family behind to find ways in a foreign land to recover financially. Unfortunately, when something was started on a wrong foot, almost always some things will not work perfectly as planned.

It was 2010 since I contemplated this blog - I called it initially as "My Debt March" then I got into a lot of things including additional debts, that I wasn't even able to finish my initial post.

Come 2012, another milestone in the family. Kids are growing up and we do not have even a single cent for their college fund. Worst, my debt list in 2010 had doubled and sometimes I just stare blankly if one day one of the creditors would find out where I am, what will happen to my family? To my children? To my plans?

I started looking for an answer, reading and re-reading, recalling what I learned in college and their applications to actual life. I have always felt that that there is a way out. A way out of the debt pit I created myself.

So why "Utangera Dot Com"?

Because I need to maintain my anonymity until I am debt-free, regained my self worth and ready to reveal my true self. So I created this blog - not only to help myself but also others out there who are going through the same phase as me. During my existence, never I have met someone who want to always be on the look out for someone hunting him and only a crazy person would admit on the web as his true self that she's been hiding from debts. I just want to have my good night sleep back, to post on my FB status without worrying if someone would comment negatively, to attend to social gatherings and to have my best friend back without the fear of being humiliated or asked about my finances.

I just want my peace of mind back - and surely so do you.

How To Spot / Detect A Certified Utangera?

2012-05-18T23:31:00.002-07:00

It takes one to know one.

I haven't denied so far that I am a Certified Utangera so I know how to spot one. :)

Anyway, here are some of the "style" or "modus operandi" of the professional "Utangera"

Walang barya sa 100 / 500 / 1000 - so manghihiram ng mas maliit na bills at pagkatapos dedma kum laude na ever after.
Mahiyain style - hi/hello messages sa fb, ym, text or email. Bottom line "pautang naman o".
Prangka style - to the point ang pag-utang, wala ng paligoy-ligoy pa.
Trial and Error Style - eto ang medyo mahirap i-detect. Hindi mo namamalayan nangungutang na pala

Don't get me wrong may ibang tao lang talaga like myself na hindi na ata naubusan ng reasons kung baket nangungutang. At hindi po mahirap mag approach sa mga tao. Kailangan mong lunukin ung natitirang pride mo at kapag successful, alam o un?! Iba ang feeling. In my personal experience, minsan hindi na ako sure if dahil nasagot ung dasal ko na may tumulong or otherwise.

Beware lang sa mga taong to. Dahil most of the time sila ung mga taong madalas mong kasama so alam nila pag may pera ka.

Utangera Strikes Again

2012-05-18T23:11:00.002-07:00

Oh hinde?! Nadagdagan na naman ang utang ko imbes na mabawasan.

I would probably come up with my debt list - revised soon. I need to include the government loan I availed long time back at itong mga nadagdag ng month of May 2012.

In other words ang mga kautangan ko sa corrupt nating gobyerno - SSS and Pag-Ibig. Haist.

Impulse Buying

2012-04-08T15:59:00.001-07:00

Napakaraming dahilan kung baket ang isang utangera ay nalulubog lalo sa utang at tuluyan ng hindi nakakapag bayad.

Impulse buying or unplanned shopping.

Sounds family?

IKR - like I know right. Just experienced it yesterday. Gosh, ang mura ng shorts - walking shorts. So at $12, dalawa na ang nabili ko. So ayon, nakatambak sa laundry basket ko at hindi ko alam if magagamit ko in the near future dahil wala na din akong budget.

Masakalap pa nito, pati food budget ko nadamay.

Classic example ng isa sa mga effects ng impulse buying.

If hindi pa naman kailangan at wala naman sa plano, have a debate with yourself muna if to buy or not to buy items.

In the end, mangungutang ka na naman kase nadiskarel ang budget-budgetan mo davah?!

Debt List

2012-04-06T22:46:00.000-07:00

gustong gusto ko ng umatend ng mga reunion, ng mga get together at mabisita ang mga dating kasama sa work. ma add sila sa facebook para makita nila ang progress ko ng walang takot na baka singilin nila ako sa wall page at para makita at malait ko na sila ulit sa mga pictures nila.

pero pano ko gagawin un kung hanggang ngaun, hindi pa ako nakakabayad sa kanila. ung iba sa kanila pinagpa sa Diyos na lang ang lahat, baka kaya kinakarma na ako. ung iba, nanahimik na lang pero alam kong nag aantay pa din ng bayad.

ung iba, malakas ang loob para ipamukha sa akin ung utang kong ilang taon ko ng hindi nabawasan.

gusto ko na silang bayaran - para maibalik ang nasira kong friendship at ung iba, para tuluyan ko na maputol ang koneksyon at makalimot sa mapait na nakaraan.

at gusto ko ng simulang un agad sa by acknowledging my debts - by coming up with a list na gusto kong makitang zero balang araw - as end of this year!

Total Utang	Critical
Category	No	Yes	Grand Total
Best Friend	35,000.00	5,055.00	40,055.00
Colleague	63,200.00	32,500.00	95,700.00
College Classmate	12,500.00		12,500.00
High School Classmate	12,700.00		12,700.00
No Comment		100,000.00	100,000.00
Relatives		7,849.55	7,849.55
Grand Total	123,400.00	145,404.55	268,804.55

with God's grace, sana magawa ko to while still giving a decent life to my children and still able to send my mother to the hospital whenever she needs to.

sa pag-alala ng Araw ng Pagkabuhay or Pasko ng Pagkabuhay ni Papa Jesus, gusto kong simulan ang pag renew sa buhay ko.

ayaw ko ng mabuhay sa takot, galit at hiya ng dahil sa utang ko.

pag wala na akong utang, maibabalik ko na ung dating ako at magiging proud na ulit sa akin ung best friend ko.