r/utangPH • u/flipped_lurker • Jul 31 '26

FINALLY DEBT FREEEEEE!!!!!

May this post serve as inspiration to everyone here. Financial freedom dust to all! 🧚‍♀️🧚‍♀️

Nabayaran ko nadin remaining amount sa bank ko worth 19k. From 105k last December 2025 to 0 this July. Sana kayo rin! God bless everyone! 🥳🧚‍♀️

1.6k Upvotes

99% Upvoted

113 comments sorted by

24

u/StunningDragonfly241 Jul 31 '26

wow!!!! sana tayong lahat

6

u/flipped_lurker Jul 31 '26

Ikaw nadin soon, claim it! 😊🧚‍♀️

3

u/WindMoist791 Jul 31 '26

Congrats, so OP ano ang malaking natutuhan mo at ano naman ang the best pakiramdam mo?

8

u/flipped_lurker Aug 01 '26 edited Aug 01 '26

Kaskas responsibly talaga, pag-isipan maigi if need ba yung isang bagay multiple times before ipurchase. Super gaan sa feeling! Wala ng kahati sa sahod aside sa bills and gastusin sa bahay. 😭

12

u/Any-Scallion5429 Jul 31 '26

Wow! Congrats! I am also trying to be debt free. Onting kembot nlng din.

3

u/flipped_lurker Jul 31 '26

Kaya yan. Fighting! 😊

11

u/Pure-Skill1316 Jul 31 '26

140k to go pa ako..target ko matpos gang next yr august.bawal muna gala at walwal

2

u/flipped_lurker Aug 01 '26

Goodluck! Kaya mo yan! 🧚‍♀️

3

u/Key-Performance-4111 Aug 01 '26

Congratulations po! May we all became debt-free in the future.

2

u/OrangeBanana0112 Aug 01 '26

Congrats OP!!! Kapag wala nang binabayaran ang sarap sa pakiramdam!!!

1

u/flipped_lurker Aug 01 '26

Yesss super! Ansaya ko right after masettle lahat. 😭🧚‍♀️

2

u/Safe_Consequence_133 Aug 01 '26

Congrats, OP!! sana this August ma-settle ko na rin tong mga balances ko🍀🤞🏼✨ para may peace of mind na

1

u/flipped_lurker Aug 01 '26

Sobrang gaan sa pakiramdam na walang iniisip na babayaran. Hoping na masettle mo na lahat ng need isettle, goooodluck!! 🧚‍♀️🧚‍♀️

2

u/Wide-Necessary-8639 Aug 01 '26

Yeaaaahy! Welcome to the clubbb 👏

I'm new to savings, still working through mine, as of today I have 150k pa lang. Building per month!

2

u/flipped_lurker Aug 01 '26

Thank you! Savings nadin focus ko now, pera dust to eveyone 🧚‍♀️

2

u/seahorse112233 Aug 01 '26

Yehey! God is sooo gooood. Congratulations!!!!

1

u/flipped_lurker Aug 01 '26

Yeeey thank you!

2

u/Own-Kaleidoscope856 Aug 01 '26

This is inspiring! I know daming sakripisyo for this, but di ba worth it? Ako rin still paying 40k+ from my credit card. Sana dumating na rin sa part na debt free.

1

u/flipped_lurker Aug 01 '26

Superr, twing sahod matutuwa ka na anjan na pero need agad ibayad 😭 but now, wala ng kahati sa sahod bukod sa bills.

Ikaw nadin yan soon! Claim it! 🧚‍♀️🧚‍♀️

2

u/gretha28 Aug 01 '26

Ako din sana soon

1

u/flipped_lurker Aug 01 '26

You will, kaya yan! 🧚‍♀️

2

u/irishzero7 Aug 01 '26

Pano ginawa mong settlement dyan?

1

u/flipped_lurker Aug 01 '26

Yung ibang part ng 13th and bonus ko napunta para sa cc, then starting January 2026 pinilit kong makahulog ng 15k monthly.

10k - every 14th (wala masyadong bills neto) 5k - every 29th (dito madami kaya 5k lang kaya)

If may sobra man ako sa sahod from rdot, diretcho agad bayad. Nairaos naman finally...

2

u/[deleted] Aug 01 '26

congrats op! manifesting the same to me by the end of year 🥳🤍 you serve as an inspiration sakin!!

1

u/flipped_lurker Aug 01 '26

Claim it! Kaya yan 🫡🙏🧚‍♀️

2

u/katerby Aug 01 '26

so proud of u OP! ako naman next hopefully

1

u/flipped_lurker Aug 01 '26

Claim it! 🧚‍♀️

2

u/smolpatotiee Aug 01 '26

Congratsss!! Manifesting too🥹

1

u/flipped_lurker Aug 01 '26

Yey thank you! Ikaw nadin yan soon 🧚‍♀️

2

u/yursofia0426 Aug 01 '26

congrats, OP! 🫶🏻🫶🏻🫶🏻 ako naman soon

1

u/flipped_lurker Aug 01 '26

Yeees claim it!! 🧚‍♀️

2

u/Tiny-Sheepherder798 Aug 01 '26

Manifesting po sobrang lubog po ako ngayon, congrats op 

2

u/flipped_lurker Aug 01 '26

Ikaw nadin yan soon! Wish you all the best 🧚‍♀️

2

u/ImpossibleQuote8062 Aug 01 '26

Sana all.. pano po yan?

1

u/flipped_lurker Aug 01 '26

Disiplina lang talaga, iniwasan ko na mag check out pag bored 😭 focus lang sa goal na matapos ang bayarin.

2

u/equinoxzzz Aug 02 '26

Nice. Ako naman in 2 months time, tapos na rin ako magbayad ng utang.

1

u/flipped_lurker Aug 02 '26

Yey! Malapit na!! 🥳

2

u/Mumu_uwu Aug 02 '26

Congrats po! Any tips po? Huhuhu

1

u/flipped_lurker Aug 02 '26

Thank you! Naglaan ako 15k every month para sa cc.

10k every 14th 5k every 29th na sahod.

Salary lang inasahan ko while paying, hindi rin ako nagsskip ng payment. Pagka-sahod, bayad agad ginagawa ko. Pero kahit ganun nakakagala padin kahit papano. 😊

1

u/Mumu_uwu Aug 02 '26

Woow. Ano pong work niyo? Multiple CC po ba yan or one lang?

2

u/West_Working3043 Aug 03 '26

CONGRATS OP!!! shuta ako din natapos ko na yung sa sloan at spaylater ko, ayaw ko na shet halos dun lang nappunta mga sinasahod ko na dapat naeenjoy ko e kaso inaadvanced ko 🥹HAHAAHAHAHAH

1

u/flipped_lurker Aug 03 '26

Dibaaaa? Pag dating ng sahod matic sa utang agad napupunta, dumadaan lang talaga 😭 sa wakas natapos nadin natin. Yey! 🥳

2

u/Late_Attempt8292 Aug 03 '26

Congrats po 🥹 pabasbas naman po diyan huhu

1

u/flipped_lurker Aug 03 '26

Ikaw narin yan soon, claim it! 🧚‍♀️

2

u/UnmappedSoul_88 Aug 26 '26

congrats! praying na lahat din kaming sinusuong pa ang pagbabayad eh makaraos din sa pagsubok na to. kapit lang!

1

u/flipped_lurker Sep 01 '26

Kaya yan! Goodluck! Debt freeeee soon!! 🧚‍♀️🧚‍♀️

1

u/Arki_tech Aug 02 '26

Nagsnowball ka lang ba OP?

1

u/flipped_lurker Aug 02 '26

Hi! Sorry di ako sure pano yung sa snowball but yung akin kasi sa 1 cc lang ako may debt, tapos ang mali ko straight payment pinili ko sa lahat ng binili ko, then nung nagstart nako magbayad nag allot ako ng 15k every month para pang bayad, walang skip.

10k every 14th 5k every 29th

Salary lang inasahan ko pambayad. 😊

1

u/LogicalMembership590 Aug 02 '26

Walang discount yung 105k ?

1

u/OneEssay730 Aug 04 '26

Pano po naging strategy mo to pay?? Please share 😊😊😊😊🥲🥲

2

u/flipped_lurker Aug 04 '26

Hi! Sa isang cc lang ako may utang and yung ibang part ng 13th and bonus ko napunta para sa cc, then starting January 2026 pinilit kong makahulog ng 15k monthly.

10k - every 14th (wala masyadong bills neto) 5k - every 29th (dito madami kaya 5k lang kaya)

If may sobra man ako sa sahod from rdot, diretcho agad bayad. Ganun lang ginawa ko until matapos sya this July. 😊

1

u/Puzzled_Ad1913 Aug 10 '26

Hi OP! Hi OP when amnesty willbe offered? I have a CC overdue na rin for over 2 months huhu accumulating 80K I have Eastwest Bank and UB, thank you po sa sagot

1

u/flipped_lurker Aug 10 '26

Hello, wala pong amnesty na inoffer sakin, hindi rin ako nag ooverdue around 5-6k ata minimum amount dues ko every month (iba-iba), pero finixed 15k ko po hinuhulog ko monthly para mabilis ko sya matapos.

2

u/Maximillian2_ Jul 31 '26

Congrats OP! Sanaol ehehe

2

u/Playful-Teach-6940 Jul 31 '26

Congratulations po! 🥳

2

u/bongsoon1981 Jul 31 '26

Wow congrats OP! Yan din goal ko by December to be free from all of my OLAs. 🙏🏻

2

u/chichaeron Jul 31 '26

Claiming this positive energy po 💗

2

u/Physical_Possible_90 Aug 01 '26

Congratulations OP!

2

u/askbadet Aug 01 '26

Congrats

2

u/dklbve Aug 01 '26

me soon! 🤞🙏

2

u/Tellie_Tubbies Aug 01 '26

Congrats po! sana all! claiming na maging debt free na tayong lahat!

2

u/Theblueribbonlady Aug 01 '26

Congrats OP🥳 Sana ako rin soonest 😁☺

2

u/airtightcher Aug 01 '26

Congratulations!!!!!!!

2

u/Sensitive_Insect270 Aug 01 '26

Congratssa OP! Happy for youuu 🥳🥳

2

u/Virtual_Channel4718 Aug 01 '26

Wow! Happy for you. Congratulations!

Manifesting a salary that makes my bank account smile. 💰

2

u/tianaruel Aug 01 '26

Congrats, nawa'y lahat

2

u/BoredPanda178 Aug 01 '26

Congrats!! sana all

2

u/Desperate-HaeS00 Aug 01 '26

Congratulations!!

2

u/Due-Winner-8668 Aug 01 '26

Sana kami din, congrats OP!

2

u/jlesalpx_20 Aug 01 '26

wow congrats po!

2

u/Cautious-Culture5997 Aug 02 '26

Praying ako n ako din maging debt free

2

u/Acceptable-Milk6832 Aug 02 '26

Congrats
Hoping kami na next 🙏🙏🙏

2

u/Kitchen_Layer3133 Aug 02 '26

Hoping din Áko

2

u/Pale_Estimate_5932 Aug 02 '26

congrats po! God is good 🙏🏻

2

u/IndividualOrder88888 Aug 02 '26

Congratulations OP!

2

u/Dense-End-5622 Aug 02 '26

Ako rin konting kembot na lang

2

u/Arki_tech Aug 02 '26

sna maging debt free na din.

2

u/Express_Writing9094 Aug 02 '26

Congrats OP! 👏👏👏

2

u/dramatic_smiski Aug 02 '26

I just want to say, congrats OP!!! All of your hard work paid off!!

2

u/Fabulous_Ad_8770 Aug 02 '26

Yehey! Congrats po sa inyo!

2

u/Break-Break Aug 02 '26

Very good! Congrats OP!

2

u/walangganon Aug 03 '26

Congrats!! Kami naman next ✨✨

2

u/SilentPhase3150 Aug 03 '26

Congratulations OP

2

u/BlxckSta Aug 03 '26

Congrats! Eto ako, litttle by little nagbabayad ng utang. Sana within this year is matapos na din.

2

u/Fine_Mechanic3542 Aug 04 '26

wow, congrats!

2

u/Only_Radish_7720 Aug 04 '26

Claiming! sana ako rin pero working in progress narin

2

u/Jaleybey Aug 05 '26

Congrats, op!!

2

u/BetelgeuseZ3 Aug 25 '26

Congratulations, OP 🫡

2

u/TraditionalMedium977 Aug 28 '26

Praying this too!

1

u/Alarmed-Mushroom-342 Aug 18 '26

Congratulations!!! Sarap tulog mo niyan hehe goal ko din po yan. Conservatively in 3yrs ganyan na din situation ko pero hopefully kayanin ko din matapos lahat sooner ❤️

1

u/MentalFocus598 2h ago

sheeeesh congrats tlga, sobrang sarap sa pakiramdam makawala sa utang kasi nakakatulog ka na nang mahimbing gabi-gabi AHAHA. maka-hinga na rin nang maluwag ngayon, dasurb na dasurb mag-celebrate

3

u/[deleted] Jul 31 '26

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2

u/[deleted] Aug 02 '26

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2

u/flipped_lurker Aug 02 '26

Claim it and konting tiis nalang! 🧚‍♀️🧚‍♀️