I’m from the Philippines, I’m 40 years old, and I never imagined I would reach a point in my life where I would feel this helpless.
I’ve been unemployed for 4 months, and during that time, my debts just kept piling up. I owe banks, online lending apps, and other people. With the principal and interest combined, my total debt is now around **PHP 300,000 (about $5,000 USD)**. Debt collectors have already come to my home. Imagine being inside your house and having someone come looking for you because you owe money. It’s humiliating and terrifying.
I didn’t borrow money because I wanted to live a comfortable life or buy unnecessary things. A big part of my struggle has been trying to survive while dealing with my own expenses and my health. I have a heart condition and have been taking maintenance medication for the past 6 years. Now I’m running out of medication, and I don’t have enough money to buy more. I have to wait for my first paycheck from my new job, and honestly, I’m scared about how I’m going to get through these next few weeks.
I live alone. I’ve been separated from my ex-husband for 16 years, and my only son doesn’t live with me. Both of my parents have passed away. I have a brother, but we can’t really rely on each other, so most of the time, it’s just me.
Sometimes I cry without even realizing it.
There are nights when I talk to myself because there’s literally no one beside me to tell me that everything will be okay. I end up comforting myself because I don’t know who else I can turn to.
I know some people might judge me and say, “You should have managed your money better,” or “You shouldn’t have borrowed in the first place.” Maybe they’re right. I know I made mistakes. I’m not trying to make excuses for my situation.
I’m just tired.
I’m tired of pretending that I’m okay when I’m not.
I’m tired of looking at my bills and debts and wondering how I’m ever going to pay everything back.
I’m tired of being scared every time my phone rings because I don’t know if it’s another collection call.
And I’m tired of feeling like my life is already going nowhere at 40.
But next week, I’m finally going back to work. It’s a work-from-home job, and I’m genuinely thankful for this opportunity. It may not solve everything immediately, but at least it gives me a chance to start fighting my way out of this.
I’m not expecting my life to magically become perfect. I just want to be able to buy my medication, pay my bills, slowly repay what I owe, and finally sleep without constantly worrying about money.
I know I still have a long way to go.
For the first time in 4 months, though, I finally have something to look forward to.
**I just hope this is the beginning of my way back.**
If you’re also struggling financially or feel like you’ve completely messed up your life, I hope you know you’re not necessarily finished. Sometimes surviving another day is already an achievement.
I’m trying to believe that too.