This has been our mantra since a few months ago. It’s embarrassing to admit that we racked up thousands of pesos in credit card debts. These cards, if handled unwisely and irresponsibly, can wreak havoc to your personal finance goals. Ramil and I will be eternally grateful to a couple who decided to give us a time-out from our debts and loaned us money to pay them off - without interest, without pressure. A second chance is what this is! We plan to go back to being money-wise so that we can pay back the money we borrowed. Hopefully, we would be 100% debt-free by the end of next year.