Let me guess.
You’re tired of the stress.
You’re tired of feeling behind.
You’re tired of paying, but never seeing your debt go away.
Same. That was me. I was barely making it—maxed out cards, random online loans, bills catching up faster than payday.
But I did something different.
I built a plan. I followed it. And I got out.
And now? I’m sharing that plan with you—not as a financial guru, but as someone who gets it.
Let’s go step-by-step, but not in the boring, generic way.
This is the plan that changed everything for me.
CHAPTER 1: The Day I Finally Faced My Numbers
I used to avoid my bank app like it was haunted.
One day, I finally sat down, wrote down everything I owed. Credit cards. Loans. Budols. All of it.
It felt like ripping off a Band-Aid.
₱148,000. That number haunted me.
But weirdly enough? After writing it down, I felt lighter.
💬 Most people avoid this step for months. But here’s what happens when you finally do it…
👉 Spoiler: You take your power back.
CHAPTER 2: The Day I Quit the Swipe Life
I realized I was trying to pay off debt with one hand while swiping with the other.
So I did something crazy:
I deleted Lazada.
I cut up my main credit card.
I told myself: No more new debt until the old one’s gone.
It was HARD. But it was also the day I stopped leaking money.
💬 Think going cold turkey won’t work for you? Wait ‘til you see how I replaced my swipe cravings…
👉 Next chapter: the psychology hack that made me feel rich without spending.
CHAPTER 3: The Trick That Made Me Feel Like I Was Winning (Even When I Wasn’t Rich Yet)
I needed quick wins. I was broke, but I needed to feel like I was moving.
So I started paying off my smallest debt first. ₱2,300. It felt doable.
When I finished paying it? I cried. I wasn’t free yet—but I felt free.
This method is called the Debt Snowball. It’s not about math. It’s about momentum.
💬 I could’ve done Avalanche—but I needed a win more than a spreadsheet.
👉 Next: how I used that momentum to pay off 5 debts without earning more.
CHAPTER 4: The Budget That Finally Worked (Because I Stopped Overthinking)
Every budget I tried before felt like a punishment.
Then I found this one rule:
📌 ₱0 Budget – Give every peso a job.
Instead of just “saving what’s left,” I gave every peso purpose.
₱500 for food. ₱1,000 for debt. ₱200 for me-time. Done.
No guilt. No guesswork.
💬 People think budgeting is about restriction. Nope—it’s actually about control.
👉 Next: how I made my budget breathe—even when it felt too tight.
CHAPTER 5: The Unexpected Way I Found Extra Money (Hint: It Was Already There)
I didn’t get a raise. I didn’t start a business.
But suddenly, I had more money.
Why? Because I started noticing money leaks.
Here’s what I found:
- ₱1,299/year for a subscription I forgot about
- ₱189/day on random milk teas
- ₱3,000/month on unplanned checkouts
I didn’t need more money. I just needed to redirect it.
💬 And when I finally did earn more? I didn’t blow it. I built a buffer.
👉 Coming up: how I created my “emergency shield” with just ₱5,000.
CHAPTER 6: The ₱5,000 That Saved My Sanity
Before I tackled the big debts, I saved ₱5,000.
Just for emergencies.
It wasn’t much. But when my tire popped or my lola got sick—it saved me from swiping again.
This little fund kept me steady when life threw its punches.
💬 It’s not about saving a fortune. It’s about giving yourself space to breathe.
👉 Final chapter: how I stayed consistent even when no one was cheering me on.
CHAPTER 7: The Day It All Started to Feel Worth It
Month after month, I tracked my wins.
Small payments. Small balances shrinking. Small habits sticking.
Nobody clapped for me. Nobody even noticed.
But I noticed.
And then one day, I looked at my list…
And it was empty.
No debt. No payments. Just peace.
I didn’t win the lottery.
I didn’t find a shortcut.
I just followed the plan—imperfectly, but relentlessly.
You Can Do This, Too.
I didn’t have rich parents.
I didn’t have a financial degree.
All I had was a choice—and a plan.
Now you have that plan too.
👉 Start with your numbers.
👉 Pick your path (Snowball or Avalanche).
👉 Use a budget that works.
👉 Track your wins. Celebrate your progress.
And if you need help? Perry is here.
📱 Use Perry Ongoing to track your spending, budget smart, and stay accountable.
Because we’re not just getting out of debt.
We’re building the life we deserve.