Pano di mabaon sa utang

one huge piece of advice. wag matuwa sa malaking credit limit if it is beyond your means.

Luckily for me napansin ko sya before lumala, ineenjly ko yung mataas na credit limit and multiple credit cards, without knowing na magiging payment nalang sa cc bills ang sahod per cutoff.

learn to live within your means, what i find very comforting is 30-50% ng sahod mo per cutoff ang gastusin mo sa credit card. wag lalagpas ng 80% ng kinsenas mong sahod.

be safe everyone swipe well