Hello! As what the title says, I have a 76K debt to my mom. For context, I am earning a total of 50k net a month and nag-incur nalang ung debt from when I was starting out palang sa work. Now I want to pay it back pero may salary doesn’t seem to fit with the bills gastos. I pay my phone bill, internet bill, 8K a month insurance (mine my mom’s) and maid’s salary (2K). I also report to the office thrice a week with almost 1k per day gastos since I live far.

Idk how to pay for it because mas nauuna ko bayaran bills ko then nawawala disiplina ko in paying na nagagastos ko siya for some other things like going out. I think I know what to do, pero gusto ko lang marinig from other people para kabahan na ako. I intend to pay this in one year. Help.

EDIT: Hello for clarity lang, share ko lang yung 2k sa maid, hindi yun ung entirety ng sahod, wala lang akong disiplina pero hindi kami heartless.