I just want to release the stress here reddits coz right now, it really feels overwhelming. a year before pandemic, mom decided to buy house n lot na im so sure di namen pa kayang bayaran since im planning to go back to school (paaral ko sarili ko). I told her na hndi ako makakabigay ng pera sa kanya during the span of my studying given that we have to pay for that house 10k a month. I was the one who told her na baka di kayanin at mabigatan pwede naman makapag antay. She insisted na kakayanin naman daw since at that, she's also hustling in a part time job. The problem is - nagbabayad din kami ng monthly rent which is 10k din so meaning to say the monthly bills ay papatak na ng 20k not to mention the electricity, water and internet bills groceries. Here comes pandemic na naapektuhan work ng father ko, my brother stopped working as well in awhile due to a mental health concern forcing my mom to comply paying 10k dun sa bahay na mauuwi sa UTANG.

Nangutang sya ng nangutang just to survive that every month, pati ONLINE loans inutangan na rin nya. Kagabi i was so shookt that her online loans got into 100k , bukod pa yung utang namen na for sure six digits nadin sa tao. hinaharaass nadin sya ng online lenders even got access in her phone contacts dun lang sya nagsabi na hindi na kaya. I was calculating and preparing a plan pano bayaran at least kahit sa online loans muna - na max out nadin ni mama savings ko in the past kase she was always crying duento pressures ng utang. When i look at that paper na utang nya i prepapred, i cant helped it but i felt crying - student ako working on a part time job and now even i am force to find one more job pra lang makahiram ng malaki sa kamag anak at makabayad. Right now ako lang may capacity to pay this im not even panganay, si dad retirement age na pakonti konting job nalang kinakaya,brother is kakastart lang sa work. di pako graduate pero nakalubog nako sa utang. What should u di? natatakot lang ako sa future ko kasi i dont want to end up having the money i earned during my 20s to debts wherein fact dapat life or emergency savings ko na to for me. kapagod maging mabuting anak kasi dinaig ko pa ang pamilyado mas magastos pa ko sa pamilyado. Naisip ko narin po bumukod pero u just cant stand your mom suffering