Today, I just paid for two things, 100 pesos (US$2.28) for the church tithing and PhP1,914.75 (US$43.62) for my Standard Chartered card. I try to budget a weekly payment of around 2000 pesos (US$45.56) to that card so that I can slowly get rid of my huge debt on it.
The temptation to use it is always there but I always remind myself of the high interest charges they have so that alone can dissuade me already from using it.
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