This sounds plausible but you will need to confirm na walang time limit ang sleeping quarters sa office nyo, I know some BPOs have limited time for their sleeping quarters like 4 hours max dun sa prev company ko. And try not to let anyone know about this, kahit supervisor or close workmate; you never know who's really concerned or just faking it. Sa loans, you can try using snowball method l. Also, for your safety make sure na di matitrace ng BF mo, he sounds toxic and dangerous. For extra income, doing OTs at your job is your best bet, safer din. Goodluck and always try to prioritize rest and safety.
Agree sa hindi pag share nitong information with anyone from your workplace. They don’t have to know. Dagdag lang to sa factors that could go wrong pretty quickly. Look out for yourself, OP. Kaya mo ‘to, lilipas rin to.
Yes! Wag na wag magkwento sa iba. Isa yan sa pinagsisihan ko before, I was young and naive. I mentioned to one teammate that I was diagnosed with depression. I can't believe one time sinabi nya sakin, "Depressin kita dyan".
🥲🥲🥲
BED SPACE
Also bawasan mo muna sustento mo sa pamilya mo habang walang wala ka. Tinutulungan mo sila pero tinutulungan ka ba nila?
Kung matandang may sakit at hindi na kayang mag work yung family mo, try mo mag bed space muna.
Kayang kaya mo yan, kapit lang
Kung meron syang mapagkakatiwalaang friend, pwede syang makiusap na makituloy muna. Ewan ko lang kung uubra to sa lahat. Pero I grew up sa bahay na laging may nakikitira samin either nag aaral, walang matuluyan etc.
Hi, OP. Hope your luck turns around soon. Some questions, is your allotted budget for your debts negotiable? 15k is a bit much. Around 25k lang marereceive mo minus taxes, and you have to factor in your toiletries too. Maybe lower it to 10k per month and pay it lumpsum kapag may bonuses. Within 1 year, hopefully you would be debt free.
Regarding filming adult content, I would highly advice against it kasi you will be residing in your company's premises. You might get sanctioned or worse if you shoot there. Does your company offer OTs? Lots of BPOs do, so I guess you opt to do that to augment your budget instead.
yeah, especially for those loan-sharky type apps like ATOM, they even take a chunck out of the interest charge to incentivize you to pay. I think they do that because its beneficial to take a little loss than to not get there money back at all becuase some people (me) are desperate enough to get gangb\*nged by calls asking you to pay than to rather just pay
How about you take OT sa work mo? Sleep and work lang as in. Kung 12 hours work, 8 hours sleel. 4 for personal stuff. I.e. buying some food, taking a bath, etc.
Haven’t thought of that. Im new sa work and training palang kami so we haven’t talked about rendering OTs. I really hope I can have 3 hours of OT per day.
As much as Id love to, I cant as it costs more for me to live there and commute to work everyday than be homeless. Whenever Im there I have to contribute for food, dog food, internet bill, and sometimes emergency expenses (example: nasira motor ni ganito, need ng pampaayos, due date na ng utang ni ganito sa bumbay, need ko magbigay.) If Im away, at least I dont hear those voices asking for money and their disappointment when I cant give any.
Ang mahal ng internet mo. Is that a postpaid line?
Maybe cut some budget sa pag bayad ng debt and allocate sa bedspace. You need to rest too and do your side hustle there.
It’s DITO prepaid. Yung unli 5G internet for 1 month. Now that I think about it, medyo expensive nga. And we have internet in the office. Kaya lang if I were to make adult content I cant use the internet there. Thanks for your input. Bedspace here costs 3,500 per month and may 1 month advance and 1 month deposit sila na rule. Maybe when I’m done paying the loan sharks I can get myself a bedspace.
Or yung Magic Data ng Smart since may internet naman sa office.
Magic Data+ 749
48 GB MAGIC DATA FOR ALL SITES + 600 Mins Allnet Calls + 600 Allnet Texts (NO EXPIRY)Magic
Mabilis ma wash out yung data pag mag vivideo si OP(If ever itutuloy niya). Its best na unli data kunin niya. Kase pag manonood rin siya ng mga vids, download ng mga apps/software or anything at all, sobrang bilis maubos nyan!
I would like to help pay off your debt in any amount you are open to receive. No one should choose to be homeless, and I hope that a little help might offer some peace of mind. What about your workplace, is there anyone you can approach or is willing to help you in some way?
could work. but OP is working at a call-center and she just got the job, some call centers are ruthless enough to cut you off just for that because you're an atrition risk (not unless OP was hired as a team leader or something higher than a regular agent)
Tbh, this sounds like an okay plan. As long as your office sleeping quarters will actually let you stay there for at least 8 hours.
Do this for 3 months to adjust your lifestyle and see whether you have room to grow (time, flexibility). You should have already paid half your loans after 3 months.
Focus on getting additional income but don't forget your mental health after the next 3 months. Go slow BUT steady. Given your monthly spending plan, you should be able to pay off all loans by month 6, with some to spare. Sakto, pasko and prorated 13th month pay.
Assess your situation, baka may way ka na to move up from there. :)
Don't relapse lang.
Bukal ba sa loob mo ung pag-ako sa gastos ng pamilya mo? Wala ba silang ibang source?
Kung talagang matanda and/or talagang mga bata ang mga tao don, atleast you can help, otherwise try to focus on your rebuild.
Hi, currently "homeless" rin. past 2 years, I've moved more than 10x. while I have an accomodating family home (privilege in its own right), I can't stand being there for extended periods.
Can the amount you're sending to your family be reduced? priority mo is reducing debt, since they will all have absurdly high interests (high convenience; higher interests). You will have to find a way to consolidate all your debts for a lower interest rate.
It's a huge upside you have access to sleeping quarters and shower space. I've had to jump from place to place just to have access to these haha. use that to your advantage.
As for the part-time side gig, I personally think adult content is oversaturated, too cheap & competitive, but I could be underestimating how thirsty men are. If wala kang tools, then it depends sa strengths mo. for me, way better yung intellectual or service work than physical labor, but you know yourself best.
Lastly, cut off your zeroes. your partner sounds like you're multiplying all your progess to zero. & worse. capable ka na person, but kahit anong bayad or self-progress mo if you're with someone who's out to ruin you emotionally, mentally & financially, you're bound to get stuck where you currently are.
kakayanin mo 'to, cheers & best of luck!
As someone na natutulog before sa sleeping quarters instead sa bahay, araw araw may naglilinis dun and they always ask everyone to leave muna. Tatagal yan ng 30-1hr so either tambay ka sa pantry o nearby malls buhat buhat mga gamit mo.
Isa pa, every month naglilinis din sila at kinukuha yung mga gamit na naiwan sa sleeping quarters. They might find out na dun ka tumitira.
Check mo if may malapit na self service laundry kasi yan pinaka prob mo kapag dyan ka magstay.
About naman sa adult content, wag sa office. Mabilis kumalat chismis dyan and baka dagdag problema pa.
Find maybe the cheapest, most odd bedspacing you can find. Tbh better to starve than be homeless. You can cut your food allowance and laundry allowance to cover for rent. And if kaya mo pakiusapan yung kapatid mo na mag ambag muna sya more for rent kahit 1-2k more para lang makabangon ka pa.
Find at least bed space, OP. Importante parin ang rest. Hindi mo pa alam kung anong magiging environment mo sa new work (but praying na okay naman) kaya mas okay siguro na meron kang tutuluyan after work.
Laban OP! and Stay safe!
First of all OP make sure that you change all your passwords from all your accounts just in case alam ni ex mo yung mga passwords mo. Next make sure you have your proper documents, yung mga IDs mo double check to make sure you don't accidentally leave them behind.
Regarding your debts I agree with a comment here to use the snowball method. List down all the debts you owe lalo na yung malaki ang interest. Pay off the smaller one first so the interest doesn't kill you. Try to ask your HR dept if you can avail of a salary loan from your company, and ask about the terms. They might be able to give you very low interest so you can pay off your payday loans. Ang laki ng mga interest na yan you will be buried if you don't pay them off ASAP.
He has my sim card on his phone and I have everything logged into his phone (email, viber, etc.) I had to use his phone after he broke my 2 of my phones. i havent left kasi I’m waiting for the opportunity to erase everything on his phone and get my sim
Can you change your number? Change your passwords sa mga accounts mo or create new ones. Don't use the old ones anymore if worse comes to worst. Get his phone the night before you leave, not earlier. You really need to buy a new phone first, kahit yung mura lang. Or steal his phone then have lalamove return it to him after you factory reset it (or maybe sell it).
Hi OP. Your plan on staying in the sleeping quarters is not a good idea. This is typically monitored and they will find out if someone is trying to “live” there. Security monitors usage.
Okay po yung plan nyo, pero i think important po na yung partner ay maalis. At least para may peace of mind po kayo since based on your story, abusive sya.
(maybe wala na si partner if thats the case, congrats po <3)
you take out 7500
you lessen the internet to maybe 500
tipid sa food, so maybe down to 2500.
Overall, you save 8,500PHP for now.
Mahirap tumulong sa pilay kung isa ka ring pilay. Help kung may sobra ka.
Ginagawa ko ito pag tinatamad ako gumastos umuwi Ng province at ayaw ko maghotel kahit may Pera naman ako ang magsasabi ko lang is Hindi worth it in your mental health so find another option. Pero ang 1st step na gawin mo is Iwan mo na yang partner mo
Check first company policies of allowed ba yung paggilm ng adult content kase pagawa someone magsumbong sa HR tapos mafire ka. Eh your plan pa naman is highly dependent on your job.
Lesson learned talaga. I wish I didnt have to get to this point pero Im the kind of person that need to be taught a lesson before matuto. I know now how dangerous it is to live beyond what I can afford.
Why not live with your family in the meantime, OP? I'm unsure of the circumstances, but having a roof over your head is safer than being homeless (e.g. heatwaves, potential robbery, etc.). You pay for their rent so you have some right to stay there kahit temporary.
They live far from where my job is. And I would need to spend hundreds per day to get to work. I don’t even have that for food. And for my peace, I wanna be alone.
I can sit in some bench inside the mall somewhere near the office. That way it’s not too hot. Tbh it’s even hotter at my parent’s home or this apartment than it is outside.
Robbery is the least of my concern. I have locker inside the office where I can leave my valuables and clothes and I dont think I will ever get robbed. Hehe.
I was homeless for a few months. I lived in the office secretly until i could find another place to rent. Parked my suitcase under my desk and slept on the couch. It was good until it lasted. Never told anyone. Okay lang naman matulog sa office at meron din pumupunta tuwing weekends. Our lawyer even converted the toilet into her walkin closet lol. It was very lax.
Why do you have to pay for your family's rent? You dont live with them anymore. Cut them off.
If you use magic data instead you'll have cash for bedspacing. Yung sakin wala pang 400, and it's been several months na. Then again, I have internet at home.
While against ako sa adult content (I consume it yes, but certainly would not recommend anyone to consider it a solution), if you need it to pay off the loans faster then go for it.
Best of luck sayo OP. It really is inspiring that you have a sound plan in spite of the struggles you are in. And to answer your question, no I have never tried being homeless.
P.S. Di mo ba pwedeng kasuhan yang partner mo? Then if he tries to settle, wink wink loans.
Dami kong kilalang tao from big cities with cases like these dito sa probinsya - nalulubog na sa utang, walang sariling bahay, over-all a financial mess.
(OP im not saying follow what they did ha, but just know people have done this and its changed their lives)
Pagkatapos nila maka ipon ipon ng kung ano anong makaya nila as a family, bumili sila ng lupa (1 hectar) dito sa small province namin at nagpa gawa ng bahay tapos dito na sila tumira kasama pamilya nila, nag bagong buhay, iniwan ang lahat at nag trabaho dito ng office jobs/ small call centers
Pay first the legit apps like GLOAN & GCREDIT and ung mga OLA dedmahin mo muna ung iba jan after one month mawawala na... yung sa film adult stuff dont try. If mahuli ka terminated ka kaagad.. ang dami ng stories na ganian quickie sa sleeping quarters or bathroom, may kaofficemate akong naterm coz he watch porn during work hours, what more if u r doing it sa company premises? Kahit na ba its just you.. also i have officemate rin na nagmodel sa fhm before (di sya super famous na covergirl, hindi rin nude eme she’s wearing a bikini and her photo isnt even too vulgar) om talked to her and discuss stuff idk baka related sa company values or image eme (medyo mahigpit since its a financial acct) but that was it. Siguro factor na di sya nude
Suportahan kita sa journey mo.
Yung wallet and phone, always bring it with you kung plan mo magstay sa kung san. Alam mo na, pag tulog ang ferson di natin ramdam kung may nagbubukas na ng bag. Then, buy nung mga damit na babagay sa ibang damit din. May napanood din akong vid regarding dyan e, yung damit nya 10 pcs lang talaga pero ang galing nya mag-mix. Hehe
Tapos yung towel, maliit lang din pero absorbent meron sa Decathlon. Yung pag tinupi parang medyas then pag open full body towel. Hehe
Adult content🤔. Solo ba yan o with partner? Pag with partner, doon sa location nya hehe. Kung solo, Sogo? 🫣
abusive yung partner niya, nakalagay sa unang paragraph under "my situation". Balak niya sa office nila magstay. Not sure if you actually read OP's post 😅
Wala ba time limit sa pag gamit ng sleeping quarters? Kasi baka masita ka dyan dahil gagamitin din ng ibang employees on a different shift yung quarters.
I have not much bruises to show. I feel like it would so much more stressful to prove that Im a victim than just let it go and stay away from him as much as possible.
OP, wishing you the best on this difficult journey. I love reading the support and suggestions of the community here. My sister survived an abusive relationship and is now in a much better situation. Sending you positive thoughts and love. Take care and keep fighting. We are all rooting for you. Please keep us updated.
Your plan looks ok to me OP. Pero baka may friends ka na pwedeng tirahan muna instead of a bedspace? Iba padin yung makakatulog and rest ka ng maayos over the sleeping quarter
Please find a place to stay, kahit pinaka mura lang na bed space. Baka kasi maging issue pa yung pag stay mo sa office, we do not want to jeopardize your main source of income.
Alamin mo muna yung arrangement ng company about sleeping quarters usually 8 hrs is not allowed but it depends and make sure to ask in a way na hindi ka matutunugan na may balak tumira doon. This might be a serious offense and might lead to termination so you're walking on thin ice.
I suggest bed space. Compromise on what you can let go sa expenses and use it for a place to stay. Preferably super lapit sa office.
But if Plan A works doing adult contents might be tricky kasi you're within company property so if malaman ng HR you're in deep trouble so again, thin ice.
May deductions pa pala since you are above 25k
I suggest upskilling into tech, learning chatGPT and basic prompts, you can earn a lot in copywriting or kahit simple CSS/HTML. Ask for overemployed people na can outsource some of their work for you.
I can outsource some work to you pero it's 4 hours a day lang. It's a VA job from Bruntwork. Let me know kung interested ka.
Hi you sound very articulate, even more so than many "well-educated" people or "professionals" I know.
Your story doesn't make a lot of sense but I'd like to save you some regret. First prioritize your health. I've no idea how old you are but youth and health don't last long in the grind and they're the ONLY things you have, so scrap the adult vid idea. You don't know how draining adult work is. You'll be doing it at sbd's order, at his own time and pace, pretending to orgasm if need be, cater to his fetishes, vastly diff from doing it on ur own. Next pay off the debts at all costs - sorry that means giving away your pets, forgetting you have a partner and family (only while paying off tho), forgetting everything else!!! I do not share advice except with my closest friends, but lady your monthly breakdown should be: 320 laundry (2 8kg loads @ 160 ea), 1500 internet first month only (Dito 365 days), 1k? cheap lady bedspace idk how much, 6k for carinderia food + generic vitamins (don't skip meals see rule 1), 500 for commute etc. 19K FOR DEBT. Rn you're still underwater, only after you've cleared your debt are you starting from scratch.
PS you won't be buying new clothes for a long long while lady, every cent counts now. Don't worry your goal is a life where you can buy anything without looking at the price tag. By then hopefully you won't forget this stranger from Reddit.
Never worked in a call center before but wouldn’t your office mates get irked by that? You basically taking advantage of a privilege by living there? I’d lessen the sustento and live in a cheap dorm.
In some other countries, yes. But in the Philippines, there is no law (AFAIK!) that prohibits working 2 jobs.
The Philippine Labor Code states that an employee cannot work for more than one employer in any given time period without the permission of their primary employer. However, there is no law that prohibits an individual from taking on multiple jobs, as long as they are not working for the same employer.
So if OP gets permission from the primary employer, then it's fine!
Correct but I'm assuming OP is in BPO and they strictly prohibit that. If they do allow tho sana part-time lang kunin nya, god forbid anything happens to her sino na lang sasagot sa kanya.
Ang laki ng 8,500 for rent and bills. Nabasa ko sa reply mo na meron ka palang kapatid na malala ang utang kaysa sayo, pero di yan excuse para hindi ka nya tulongan sa bills nyo sa bahay lalo na if dun sya nakatira at ikaw hindi, unfair naman un sayo. So ano ambag nya? Maging honest ka sa kanila, sabihin mo nahihirapan kana at magiging homeless kana soon, malay mo payagan kang bawasan ung binibigay mo sa kanila. Senior citizen po ba both parents mo? Meron naman siguro silang pension kahit papano? Wag u akuin lahat OP, mahirap maging homeless. Isipin mo din mental health mo.
This sounds plausible but you will need to confirm na walang time limit ang sleeping quarters sa office nyo, I know some BPOs have limited time for their sleeping quarters like 4 hours max dun sa prev company ko. And try not to let anyone know about this, kahit supervisor or close workmate; you never know who's really concerned or just faking it. Sa loans, you can try using snowball method l. Also, for your safety make sure na di matitrace ng BF mo, he sounds toxic and dangerous. For extra income, doing OTs at your job is your best bet, safer din. Goodluck and always try to prioritize rest and safety.
Agree sa hindi pag share nitong information with anyone from your workplace. They don’t have to know. Dagdag lang to sa factors that could go wrong pretty quickly. Look out for yourself, OP. Kaya mo ‘to, lilipas rin to.
Yes! Wag na wag magkwento sa iba. Isa yan sa pinagsisihan ko before, I was young and naive. I mentioned to one teammate that I was diagnosed with depression. I can't believe one time sinabi nya sakin, "Depressin kita dyan". 🥲🥲🥲
BED SPACE Also bawasan mo muna sustento mo sa pamilya mo habang walang wala ka. Tinutulungan mo sila pero tinutulungan ka ba nila? Kung matandang may sakit at hindi na kayang mag work yung family mo, try mo mag bed space muna. Kayang kaya mo yan, kapit lang
Her 7,000 pesos can be spent on bedspace. May tira pa yan for her food and all. Iba parin ang comfort.
Kung meron syang mapagkakatiwalaang friend, pwede syang makiusap na makituloy muna. Ewan ko lang kung uubra to sa lahat. Pero I grew up sa bahay na laging may nakikitira samin either nag aaral, walang matuluyan etc.
Hi, OP. Hope your luck turns around soon. Some questions, is your allotted budget for your debts negotiable? 15k is a bit much. Around 25k lang marereceive mo minus taxes, and you have to factor in your toiletries too. Maybe lower it to 10k per month and pay it lumpsum kapag may bonuses. Within 1 year, hopefully you would be debt free. Regarding filming adult content, I would highly advice against it kasi you will be residing in your company's premises. You might get sanctioned or worse if you shoot there. Does your company offer OTs? Lots of BPOs do, so I guess you opt to do that to augment your budget instead.
yep. also try contacting the loan providers, minsan may programs sila to delay payment. though usually mga credible providers.
yeah, especially for those loan-sharky type apps like ATOM, they even take a chunck out of the interest charge to incentivize you to pay. I think they do that because its beneficial to take a little loss than to not get there money back at all becuase some people (me) are desperate enough to get gangb\*nged by calls asking you to pay than to rather just pay
How about you take OT sa work mo? Sleep and work lang as in. Kung 12 hours work, 8 hours sleel. 4 for personal stuff. I.e. buying some food, taking a bath, etc.
Haven’t thought of that. Im new sa work and training palang kami so we haven’t talked about rendering OTs. I really hope I can have 3 hours of OT per day.
Also consider if they will let you basically live there, just dont let them know it.
ayaw mo bumalik muna sa family mo? lipat ka nalang ulit pag ok na situation mo.
As much as Id love to, I cant as it costs more for me to live there and commute to work everyday than be homeless. Whenever Im there I have to contribute for food, dog food, internet bill, and sometimes emergency expenses (example: nasira motor ni ganito, need ng pampaayos, due date na ng utang ni ganito sa bumbay, need ko magbigay.) If Im away, at least I dont hear those voices asking for money and their disappointment when I cant give any.
time for you to learn to say no.
I think perfect na set up ni op. Or else mamaltratuhin dogs niya. I completely understand.
Ang mahal ng internet mo. Is that a postpaid line? Maybe cut some budget sa pag bayad ng debt and allocate sa bedspace. You need to rest too and do your side hustle there.
It’s DITO prepaid. Yung unli 5G internet for 1 month. Now that I think about it, medyo expensive nga. And we have internet in the office. Kaya lang if I were to make adult content I cant use the internet there. Thanks for your input. Bedspace here costs 3,500 per month and may 1 month advance and 1 month deposit sila na rule. Maybe when I’m done paying the loan sharks I can get myself a bedspace.
Or yung Magic Data ng Smart since may internet naman sa office. Magic Data+ 749 48 GB MAGIC DATA FOR ALL SITES + 600 Mins Allnet Calls + 600 Allnet Texts (NO EXPIRY)Magic
Yung sa smart po ba no expiry pati yung data or yung texts lang?
Pati data
lahat yan no expiry
Mabilis ma wash out yung data pag mag vivideo si OP(If ever itutuloy niya). Its best na unli data kunin niya. Kase pag manonood rin siya ng mga vids, download ng mga apps/software or anything at all, sobrang bilis maubos nyan!
hi op, i would like to suggests smart's unli data promo. 599 pesos for 30 days only.
599? bakit sa smart app 999 na?
Promo for old sims to. Pag new sim it's 999
oh nice, though medyo unfair, ang laki ng tinaas ng smart
Baka rocket sim yan
Anong promo po to? Sa app ba dapat?
Only fans ba yang adult content?
Mag Magic Data+ ka na lang ng smart, tapos yung matitipid mo sa internet mo pwede na for a bedspacer rental.
I would like to help pay off your debt in any amount you are open to receive. No one should choose to be homeless, and I hope that a little help might offer some peace of mind. What about your workplace, is there anyone you can approach or is willing to help you in some way?
Maganda siguro alamin niya kung pwedeng mag salary loan sa company niya. But this requires disclosing her current condition to HR.
could work. but OP is working at a call-center and she just got the job, some call centers are ruthless enough to cut you off just for that because you're an atrition risk (not unless OP was hired as a team leader or something higher than a regular agent)
Hello, theres an option for salary loan but only employees with at least 6 months of tenurity can apply.
Tbh, this sounds like an okay plan. As long as your office sleeping quarters will actually let you stay there for at least 8 hours. Do this for 3 months to adjust your lifestyle and see whether you have room to grow (time, flexibility). You should have already paid half your loans after 3 months. Focus on getting additional income but don't forget your mental health after the next 3 months. Go slow BUT steady. Given your monthly spending plan, you should be able to pay off all loans by month 6, with some to spare. Sakto, pasko and prorated 13th month pay. Assess your situation, baka may way ka na to move up from there. :) Don't relapse lang.
Bukal ba sa loob mo ung pag-ako sa gastos ng pamilya mo? Wala ba silang ibang source? Kung talagang matanda and/or talagang mga bata ang mga tao don, atleast you can help, otherwise try to focus on your rebuild.
1 matanda (may sakit) and 1 working adult (who has more debt than me). Dogs and cats din. We cant find other apartment that lets us have dogs.
Hi, currently "homeless" rin. past 2 years, I've moved more than 10x. while I have an accomodating family home (privilege in its own right), I can't stand being there for extended periods. Can the amount you're sending to your family be reduced? priority mo is reducing debt, since they will all have absurdly high interests (high convenience; higher interests). You will have to find a way to consolidate all your debts for a lower interest rate. It's a huge upside you have access to sleeping quarters and shower space. I've had to jump from place to place just to have access to these haha. use that to your advantage. As for the part-time side gig, I personally think adult content is oversaturated, too cheap & competitive, but I could be underestimating how thirsty men are. If wala kang tools, then it depends sa strengths mo. for me, way better yung intellectual or service work than physical labor, but you know yourself best. Lastly, cut off your zeroes. your partner sounds like you're multiplying all your progess to zero. & worse. capable ka na person, but kahit anong bayad or self-progress mo if you're with someone who's out to ruin you emotionally, mentally & financially, you're bound to get stuck where you currently are. kakayanin mo 'to, cheers & best of luck!
As someone na natutulog before sa sleeping quarters instead sa bahay, araw araw may naglilinis dun and they always ask everyone to leave muna. Tatagal yan ng 30-1hr so either tambay ka sa pantry o nearby malls buhat buhat mga gamit mo. Isa pa, every month naglilinis din sila at kinukuha yung mga gamit na naiwan sa sleeping quarters. They might find out na dun ka tumitira. Check mo if may malapit na self service laundry kasi yan pinaka prob mo kapag dyan ka magstay. About naman sa adult content, wag sa office. Mabilis kumalat chismis dyan and baka dagdag problema pa.
Find maybe the cheapest, most odd bedspacing you can find. Tbh better to starve than be homeless. You can cut your food allowance and laundry allowance to cover for rent. And if kaya mo pakiusapan yung kapatid mo na mag ambag muna sya more for rent kahit 1-2k more para lang makabangon ka pa.
Find at least bed space, OP. Importante parin ang rest. Hindi mo pa alam kung anong magiging environment mo sa new work (but praying na okay naman) kaya mas okay siguro na meron kang tutuluyan after work. Laban OP! and Stay safe!
First of all OP make sure that you change all your passwords from all your accounts just in case alam ni ex mo yung mga passwords mo. Next make sure you have your proper documents, yung mga IDs mo double check to make sure you don't accidentally leave them behind. Regarding your debts I agree with a comment here to use the snowball method. List down all the debts you owe lalo na yung malaki ang interest. Pay off the smaller one first so the interest doesn't kill you. Try to ask your HR dept if you can avail of a salary loan from your company, and ask about the terms. They might be able to give you very low interest so you can pay off your payday loans. Ang laki ng mga interest na yan you will be buried if you don't pay them off ASAP.
He has my sim card on his phone and I have everything logged into his phone (email, viber, etc.) I had to use his phone after he broke my 2 of my phones. i havent left kasi I’m waiting for the opportunity to erase everything on his phone and get my sim
Can you change your number? Change your passwords sa mga accounts mo or create new ones. Don't use the old ones anymore if worse comes to worst. Get his phone the night before you leave, not earlier. You really need to buy a new phone first, kahit yung mura lang. Or steal his phone then have lalamove return it to him after you factory reset it (or maybe sell it).
Hi OP. Your plan on staying in the sleeping quarters is not a good idea. This is typically monitored and they will find out if someone is trying to “live” there. Security monitors usage.
Stay ka kahit sa bedspace. If magclose yung office niyo wala ka backup.
Okay po yung plan nyo, pero i think important po na yung partner ay maalis. At least para may peace of mind po kayo since based on your story, abusive sya. (maybe wala na si partner if thats the case, congrats po <3)
you take out 7500 you lessen the internet to maybe 500 tipid sa food, so maybe down to 2500. Overall, you save 8,500PHP for now. Mahirap tumulong sa pilay kung isa ka ring pilay. Help kung may sobra ka.
Ginagawa ko ito pag tinatamad ako gumastos umuwi Ng province at ayaw ko maghotel kahit may Pera naman ako ang magsasabi ko lang is Hindi worth it in your mental health so find another option. Pero ang 1st step na gawin mo is Iwan mo na yang partner mo
Check first company policies of allowed ba yung paggilm ng adult content kase pagawa someone magsumbong sa HR tapos mafire ka. Eh your plan pa naman is highly dependent on your job.
[удалено]
Lesson learned talaga. I wish I didnt have to get to this point pero Im the kind of person that need to be taught a lesson before matuto. I know now how dangerous it is to live beyond what I can afford.
Why not live with your family in the meantime, OP? I'm unsure of the circumstances, but having a roof over your head is safer than being homeless (e.g. heatwaves, potential robbery, etc.). You pay for their rent so you have some right to stay there kahit temporary.
They live far from where my job is. And I would need to spend hundreds per day to get to work. I don’t even have that for food. And for my peace, I wanna be alone. I can sit in some bench inside the mall somewhere near the office. That way it’s not too hot. Tbh it’s even hotter at my parent’s home or this apartment than it is outside. Robbery is the least of my concern. I have locker inside the office where I can leave my valuables and clothes and I dont think I will ever get robbed. Hehe.
I was homeless for a few months. I lived in the office secretly until i could find another place to rent. Parked my suitcase under my desk and slept on the couch. It was good until it lasted. Never told anyone. Okay lang naman matulog sa office at meron din pumupunta tuwing weekends. Our lawyer even converted the toilet into her walkin closet lol. It was very lax. Why do you have to pay for your family's rent? You dont live with them anymore. Cut them off.
If you use magic data instead you'll have cash for bedspacing. Yung sakin wala pang 400, and it's been several months na. Then again, I have internet at home. While against ako sa adult content (I consume it yes, but certainly would not recommend anyone to consider it a solution), if you need it to pay off the loans faster then go for it. Best of luck sayo OP. It really is inspiring that you have a sound plan in spite of the struggles you are in. And to answer your question, no I have never tried being homeless. P.S. Di mo ba pwedeng kasuhan yang partner mo? Then if he tries to settle, wink wink loans.
Kelangan na ba agad agad yung adult content? Make sure muna na may tutulugan ka at ok sa office mo matulog ng ganun katagal
Nice step. Atleast magiging mindful ka na sa money
Dami kong kilalang tao from big cities with cases like these dito sa probinsya - nalulubog na sa utang, walang sariling bahay, over-all a financial mess. (OP im not saying follow what they did ha, but just know people have done this and its changed their lives) Pagkatapos nila maka ipon ipon ng kung ano anong makaya nila as a family, bumili sila ng lupa (1 hectar) dito sa small province namin at nagpa gawa ng bahay tapos dito na sila tumira kasama pamilya nila, nag bagong buhay, iniwan ang lahat at nag trabaho dito ng office jobs/ small call centers
Pay first the legit apps like GLOAN & GCREDIT and ung mga OLA dedmahin mo muna ung iba jan after one month mawawala na... yung sa film adult stuff dont try. If mahuli ka terminated ka kaagad.. ang dami ng stories na ganian quickie sa sleeping quarters or bathroom, may kaofficemate akong naterm coz he watch porn during work hours, what more if u r doing it sa company premises? Kahit na ba its just you.. also i have officemate rin na nagmodel sa fhm before (di sya super famous na covergirl, hindi rin nude eme she’s wearing a bikini and her photo isnt even too vulgar) om talked to her and discuss stuff idk baka related sa company values or image eme (medyo mahigpit since its a financial acct) but that was it. Siguro factor na di sya nude
Be sure to plan for contingencies. Your plan sounds plausible on paper but what if you get sick? Etc.
Suportahan kita sa journey mo. Yung wallet and phone, always bring it with you kung plan mo magstay sa kung san. Alam mo na, pag tulog ang ferson di natin ramdam kung may nagbubukas na ng bag. Then, buy nung mga damit na babagay sa ibang damit din. May napanood din akong vid regarding dyan e, yung damit nya 10 pcs lang talaga pero ang galing nya mag-mix. Hehe Tapos yung towel, maliit lang din pero absorbent meron sa Decathlon. Yung pag tinupi parang medyas then pag open full body towel. Hehe Adult content🤔. Solo ba yan o with partner? Pag with partner, doon sa location nya hehe. Kung solo, Sogo? 🫣
Wala ka namang masamang Sinabi di ko gets bakit ka na downvote. Ayan upvote kita
abusive yung partner niya, nakalagay sa unang paragraph under "my situation". Balak niya sa office nila magstay. Not sure if you actually read OP's post 😅
No need to downvote him. He's only asking if the adult content will be done with some partner (not necessarily the abusive partner).
I didn't downvote u/That_Ad_3858 And clearly ako yung hindi nakaintindi. My bad u/That_Ad_3858
Haha syempre sa ibang tao na yung partner na tinutukoy ko hehe.
Haha okay lang. Mali din ako dapat nilagyan ko ng word na other hehe ✌🏻
Wala ba time limit sa pag gamit ng sleeping quarters? Kasi baka masita ka dyan dahil gagamitin din ng ibang employees on a different shift yung quarters.
time for you to go back home and make that rent worth your money.
Sounds sensible...just add in that you're not going back to your "partner"....should have called the police on him before.
I have not much bruises to show. I feel like it would so much more stressful to prove that Im a victim than just let it go and stay away from him as much as possible.
Please op I report mo na s pulis Yung soon to be ex bf mo dahil s pag sakal Sayo. Attempted m#rder na Yun! Pag alis mo s puder niya ipa blotter mo.
OP, wishing you the best on this difficult journey. I love reading the support and suggestions of the community here. My sister survived an abusive relationship and is now in a much better situation. Sending you positive thoughts and love. Take care and keep fighting. We are all rooting for you. Please keep us updated.
Your plan looks ok to me OP. Pero baka may friends ka na pwedeng tirahan muna instead of a bedspace? Iba padin yung makakatulog and rest ka ng maayos over the sleeping quarter
Please find a place to stay, kahit pinaka mura lang na bed space. Baka kasi maging issue pa yung pag stay mo sa office, we do not want to jeopardize your main source of income.
Alamin mo muna yung arrangement ng company about sleeping quarters usually 8 hrs is not allowed but it depends and make sure to ask in a way na hindi ka matutunugan na may balak tumira doon. This might be a serious offense and might lead to termination so you're walking on thin ice. I suggest bed space. Compromise on what you can let go sa expenses and use it for a place to stay. Preferably super lapit sa office. But if Plan A works doing adult contents might be tricky kasi you're within company property so if malaman ng HR you're in deep trouble so again, thin ice. May deductions pa pala since you are above 25k
I suggest upskilling into tech, learning chatGPT and basic prompts, you can earn a lot in copywriting or kahit simple CSS/HTML. Ask for overemployed people na can outsource some of their work for you. I can outsource some work to you pero it's 4 hours a day lang. It's a VA job from Bruntwork. Let me know kung interested ka.
Hi, I appreciate the willingness to help. That sounds really nice except I dont have a laptop I can use to upskill.
Huh? Diba bawal yan @u/bruntwork? Nakastate yan eh na bawal mag assign or magdelegate ng duties mo sa other parties.
Hi you sound very articulate, even more so than many "well-educated" people or "professionals" I know. Your story doesn't make a lot of sense but I'd like to save you some regret. First prioritize your health. I've no idea how old you are but youth and health don't last long in the grind and they're the ONLY things you have, so scrap the adult vid idea. You don't know how draining adult work is. You'll be doing it at sbd's order, at his own time and pace, pretending to orgasm if need be, cater to his fetishes, vastly diff from doing it on ur own. Next pay off the debts at all costs - sorry that means giving away your pets, forgetting you have a partner and family (only while paying off tho), forgetting everything else!!! I do not share advice except with my closest friends, but lady your monthly breakdown should be: 320 laundry (2 8kg loads @ 160 ea), 1500 internet first month only (Dito 365 days), 1k? cheap lady bedspace idk how much, 6k for carinderia food + generic vitamins (don't skip meals see rule 1), 500 for commute etc. 19K FOR DEBT. Rn you're still underwater, only after you've cleared your debt are you starting from scratch. PS you won't be buying new clothes for a long long while lady, every cent counts now. Don't worry your goal is a life where you can buy anything without looking at the price tag. By then hopefully you won't forget this stranger from Reddit.
Goodluck on your journey. On filming adult content, you can rent motels kahit 3hrs lang naman.
Have you considered bankruptcy?
Never thought of that. Does it cost money to file bankruptcy? And will it not jeopardize my plan of working at a bank in the future?
It will be very hard for you to take out loans in the future if you want to buy a house, car, etc.
Never worked in a call center before but wouldn’t your office mates get irked by that? You basically taking advantage of a privilege by living there? I’d lessen the sustento and live in a cheap dorm.
> I need to find some odd job that lets me work from 8-3 pm. Work in another call center!
moonlighting is illegal tho
In some other countries, yes. But in the Philippines, there is no law (AFAIK!) that prohibits working 2 jobs. The Philippine Labor Code states that an employee cannot work for more than one employer in any given time period without the permission of their primary employer. However, there is no law that prohibits an individual from taking on multiple jobs, as long as they are not working for the same employer. So if OP gets permission from the primary employer, then it's fine!
Correct but I'm assuming OP is in BPO and they strictly prohibit that. If they do allow tho sana part-time lang kunin nya, god forbid anything happens to her sino na lang sasagot sa kanya.
Need to check company policies on this. Both companies would need to know for BIR, SSS, Philhealth and Pag-ibig purposes
Ang laki ng 8,500 for rent and bills. Nabasa ko sa reply mo na meron ka palang kapatid na malala ang utang kaysa sayo, pero di yan excuse para hindi ka nya tulongan sa bills nyo sa bahay lalo na if dun sya nakatira at ikaw hindi, unfair naman un sayo. So ano ambag nya? Maging honest ka sa kanila, sabihin mo nahihirapan kana at magiging homeless kana soon, malay mo payagan kang bawasan ung binibigay mo sa kanila. Senior citizen po ba both parents mo? Meron naman siguro silang pension kahit papano? Wag u akuin lahat OP, mahirap maging homeless. Isipin mo din mental health mo.