Debt is sometimes both bad and good, depending on how you use your owed money. Bad debt will make you poor or even the poorest once you cannot handle your finances. This is the number one factor affecting Filipino lives and expenditure. Struggling to fix financial mistakes could severely damage your finances. "Filipinos spent about 1.3 billion seconds – equivalent to 42 years – using digital lending applications in 2023, with financial tools and credit services becoming more accessible to consumers, according to a study conducted by consumer credit service Digido." - Philstar The easy access in financial firms such as lending Apps, banks and E-wallets rose the number of Filipino families struggling the debt trap considering the lack of financial knowledge, financial management and low income amongst Filipinos. How we can fix the financial problems we are struggling to settle? We have two famous types of strategies on how to pay off debt wisely. Let me discu