The mindsets that got me out of ₱500,000 debt

@accountingwithcaren

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Dollar Bookkeeper Blueprintaccountingwithcaren.com

Hanggang Aug 8: ₱497 → ₱397. Matutong mag-bookkeeping at mag-earn from home kahit walang CPA license. Kasama na ang private group at free internship.

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Why it worked

The post resonated with viewers by sharing a relatable and vulnerable personal story about overcoming significant debt, offering actionable advice and a tangible solution (the creator's tool) that directly addresses a common pain point.

Summary

The creator shares five mindsets and actions that helped her get out of ₱500,000 debt. She emphasizes writing everything down, avoiding using debt to pay debt, negotiating with the bank, deleting spending apps like Shopee, and prioritizing paying off smaller debts first. Finally, she reveals she created a tool to help others determine their debt-free date, with the link in the comments.

Structure

1Introduction: Mindsets for debt freedom
2Write down all debts
3

Original caption

Walong bagay na nagbago sa isip ko bago pa man nabawasan ang utang ko. Hindi ako naging mas matalino. Tumigil lang akong magtago sa sarili kong numero. 🤍 #utang #debtfreejourney #budgetingtipsph #filipinamom

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Product placement

SPayLater ACTS - it is used to pay for Atome, and later Atome is used to pay for SPayLater. Removing it would change the narrative about debt management. Atome ACTS - it is paid for by SPayLater. Removing it would change the narrative about debt management. Shopee ACTS - it is deleted from the phone to help with debt management. Removing it would change the narrative about debt management. The creator's tool (implied by "Ginawa ko ang tool na sumagot niyan noong ako ang baon sa utang. Link nasa comments.") ACTS - it answers the question of when the viewer will be debt-free. Removing it would remove the call to action and the solution offered. The creator's bio link leads to a page for a "Dollar Bookkeeper Blueprint" which is likely the tool mentioned.

Call to action

Link nasa comments.

On-screen text

The mindsets that got me out of ₱500,000 debt 02 / 08 Isinulat ko lahat. Kahit yung maliliit. Kahit yung nakakahiya. Kahit yung hindi ko pa nasasabi kahit kanino. Ang utang mo ay nandiyan na kahit hindi mo isulat. Ang hindi pagsulat ay hindi nagpapalit nito — nagpapahirap lang na labanan. @ACCOUNTINGWITHCAREN 03 / 08 Hindi na ako utang para bayaran ang utang. Dati, SPayLater pambayad sa Atome. Tapos iba naman pambayad sa SPayLater. Akala ko survival iyon. Hindi pala. Paglaki lang iyon ng problema, may dagdag pang interes. @ACCOUNTINGWITHCAREN 04 / 08 Kinausap ko ang bangko. Akala ko wala akong karapatan humingi ng tulong dahil ako naman ang nagkulang. Pero tinawagan ko. Nag-restructure kami. Bumaba ang buwanang bayad ko at may katapusan na. Ang hindi ko lang alam noon: ang tanong lang pala ang kailangan. @ACCOUNTINGWITHCAREN 05 / 08 Binura ko ang app. Hindi ako mahina sa disiplina. Ang app lang talaga ang mas malakas. Tinanggal ko ang Shopee sa phone ko. Ang mga bagay na dating nasa cart ko, karamihan hindi ko naman pala kailangan. @ACCOUNTINGWITHCAREN 06 / 08 Pinakamaliit muna, hindi pinakamalaki. Sabi ng matematika, unahin ang may pinakamataas na interes. Sabi ng puso ko, kailangan ko ng panalo. Ang unang utang na natapos ko ay maliit lang. Pero doon ko unang naramdaman na kaya ko pala. @ACCOUNTINGWITHCAREN 07 / 08 Kailangan ko ng petsa, hindi lang pag-asa. "Balang araw makakaahon din ako" — mabuting pakinggan, pero walang direksyon. Noong kinalkula ko kung kailan matatapos ang bawat isa, may lumabas na buwan. Malayo pa noon. Pero doon nagbago ang lahat, kasi may pinupuntahan na ako. @ACCOUNTINGWITHCAREN 08 / 08 KAYA MO YAN, SIS. Alam mo ba kung kailan ka magiging debt-free? Hindi yung "balang araw." Yung buwan mismo. Ginawa ko ang tool na sumagot niyan noong ako ang baon sa utang. Link nasa comments. @ACCOUNTINGWITHCAREN

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