2023: Took out a loan from an mobile app worth 8,000 pesos with 3% interest and always been using pay later these past few months, which again had huge interest mark up like 2 to 3%, which makes me pay 2k at least per month.... and now, I am an impulse buyer and it is so hard to control myself.. so dumb of me..
Now I am slowly being swallowed i......
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