[MoneyBuilt PH] Laya sa Utang: A Practical Guide to Getting Out of 4.5M Debt on a ₱200K Monthly Salary

May utang kang milyones pero di mo alam kung saan magsisimula?
This is the ultimate Tagalog guide for Filipinos who are drowning in debt but are ready to fight back — one budget, one payment, and one mindset shift at a time.

In this real-talk, practical eBook, you’ll learn:

✅ Paano harapin at i-breakdown ang utang na ₱4.5M
✅ Step-by-step strategy gamit ang Avalanche Method
✅ Smart budgeting tips using your ₱200K monthly income
✅ How to handle family debts with love and boundaries
✅ Side hustle ideas to boost your income in the Philippine setting
✅ Real-life case study of a Filipino who paid off ₱4.5M in 3 years
✅ Bonus: “Tipid Hacks” na hindi ka mukhang kawawa

Whether your debt is from credit cards, loans, or utang sa pamilya, this eBook is your roadmap to financial freedom — written in Tagalog, simple, and full of heart.

Kahit gaano kalaki ang utang mo, basta may plano ka… kaya mo ‘to.

Tags: debt-free, budgeting, Filipino finance, OFW money tips, smart investing, personal finance, save money, financial discipline, money mindset, debt freedom

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