Saved $61 Today

i always feel guilty pag inuuna ko sarili especially sa mga bagay na kapag hindi ko naman mabili e hindi naman ako mamamatay. pero at the back of my mind, sinasabi ko na i deserve this naman kc nagwo-work ako. someone needs how to reward herself pero if alam mo sa sarili mo na may mga taong umaasa sayo at kung gaano kalayo ang mararating nun ng equivalent amount in peso, napapaisip ako lagi. pero minsan, bumibigay ako at nanghihina din lalo na pag magaling ang sales talk.

but today was an achievement for me - proud of myself!

Makati Ba Ang Paa Mo (Are Your Feet Itchy)?

Living frugally also means anticipating and planning things ahead - to cut costs or pay less. If you are someone always on the go or someone who loves travelling a lot for a lot of reasons, this shouldn't cost your fortune.

Cool Android Apps and Other Financial Software On The Go!

Surprise surprise surprise!

If you are using an Android phone and you are in debt (how can you even afford an Android phone in the first place huh?), cool Android apps are now available for you to manage your finances - investment, payments, expenses and moreso, your debts!

And here's the best part - they are absolutely free!

Admitting You Have A Debt Problem

First and foremost, you gotta admit to yourself at least that you have a debt problem. Logically you should, because how you could solve a problem if you do not recognize, acknowledge or admit that there is one.

Tell Us Your Story

Are you a certified "utangera"? Are you having sleepless nights thinking about either how you can repay your tons of debts or how to avoid paying them ? Or simply someone wishing that there is a magic wand that can make you disappear from this cruel world or hibernate for a period of time until that collecting agency, a neighbour or that someone you used to call friend forgets about you and the money you owed them?

Send Me An Email

Whoever you are - collection agency, delinquent debtor, certified "utangera" or just a person in a debt shit and looking for someone to talk about it, please do not hesitate to shoot me an email. Share your fears, your emotions and plans. Just let it out.

First Time In Utangera Dot Com?

Hello and welcome to utangera dot com.

First of all, congratulations for taking that first step courageously - accepting yourself right now as a certified utangera and that you need to get out of the debt pit - as soon as possible! Surely, the journey is uncertain and would not be a bed of roses as they say - but we will support each other. Cheer up!

Ang Buhay Ni Utangera (Life Story of Utangera)

Just like you, I have a lot debts - from different people on different locations (I mean country!). If needed to pay, I would usually get another loan to repay it. We had almost a year-round of trouble paying the electric bills and got two internet and phone installations in a year because we were not able to pay the first one. Until finally, we gave them up.  I have loans and debts for every occasion - during enrolment, Christmas season, when there's a sick member of the family (even my relatives)...name it.

How To Spot / Detect A Certified Utangera?

It takes one to know one. 

I haven't denied so far that I am a Certified Utangera so I know how to spot one. :) 

Anyway, here are some of the "style" or "modus operandi" of the professional "Utangera"

Utangera Strikes Again

Oh hinde?! Nadagdagan na naman ang utang ko imbes na mabawasan.