{"id":1742,"date":"2024-09-18T07:22:43","date_gmt":"2024-09-18T07:22:43","guid":{"rendered":"https:\/\/www.globalcreditpros.com.ph\/?p=1742"},"modified":"2024-12-01T21:54:21","modified_gmt":"2024-12-01T21:54:21","slug":"from-impulsive-to-intentional-better-buying-habits-lead-to-better-saving-habits","status":"publish","type":"post","link":"https:\/\/www.globalcreditpros.com.ph\/?p=1742","title":{"rendered":"You can be debt free! What is the Debt Snowball Method?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1742\" class=\"elementor elementor-1742\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25b0b37 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"25b0b37\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1884351\" data-id=\"1884351\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1adf28d elementor-widget elementor-widget-image\" data-id=\"1adf28d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.2 - 04-04-2022 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2295\" height=\"1063\" src=\"https:\/\/www.globalcreditpros.com.ph\/wp-content\/uploads\/2024\/09\/Blog-Images-7.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.globalcreditpros.com.ph\/wp-content\/uploads\/2024\/09\/Blog-Images-7.jpg 2295w, https:\/\/www.globalcreditpros.com.ph\/wp-content\/uploads\/2024\/09\/Blog-Images-7-300x139.jpg 300w, https:\/\/www.globalcreditpros.com.ph\/wp-content\/uploads\/2024\/09\/Blog-Images-7-1024x474.jpg 1024w, https:\/\/www.globalcreditpros.com.ph\/wp-content\/uploads\/2024\/09\/Blog-Images-7-768x356.jpg 768w, https:\/\/www.globalcreditpros.com.ph\/wp-content\/uploads\/2024\/09\/Blog-Images-7-1536x711.jpg 1536w, https:\/\/www.globalcreditpros.com.ph\/wp-content\/uploads\/2024\/09\/Blog-Images-7-2048x949.jpg 2048w\" sizes=\"auto, (max-width: 2295px) 100vw, 2295px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5bfeaaf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5bfeaaf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-55a38c0\" data-id=\"55a38c0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-150add0 elementor-widget elementor-widget-heading\" data-id=\"150add0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.2 - 04-04-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Snowball Your Way To A Debt-Free Life\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f47654 elementor-widget elementor-widget-text-editor\" data-id=\"2f47654\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.2 - 04-04-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p style=\"text-align: center;\">Blog Written by: Global CreditPros<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-720bed7 elementor-widget elementor-widget-text-editor\" data-id=\"720bed7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Marami ka bang utang at hindi mo na malaman kung ano ang uunahin?<\/span><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">Maybe the <\/span><i><span style=\"font-weight: 400;\">Debt Snowball Method<\/span><\/i><span style=\"font-weight: 400;\"> is for you!<\/span><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">Itong method na ito ay pinasikat ni Dave Ramsey, a well-known US-based finance guru. It starts by listing down all the debts you have incurred, from smallest to largest. The goal of this method is for you to be able to pay-off your smallest debts first and make your way up to the largest one. The strength of this technique relies on keeping yourself motivated habang pa-unti-unti mong nakukumpleto ang pagbabayad sa mga utang mo. Unlike other methods, ang <\/span><i><span style=\"font-weight: 400;\">Debt Snowball<\/span><\/i><span style=\"font-weight: 400;\"> ay hindi naka-alin-sunod sa laki ng interest rate ng mga utang mo.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">Paano nga ba gamitin ang method na ito para masimulan mo na an iyong journey to a <\/span><i><span style=\"font-weight: 400;\">debt-free life<\/span><\/i><span style=\"font-weight: 400;\">?<\/span><\/p>\n<p>\u00a0<\/p>\n<p><b>Step 1:<\/b><span style=\"font-weight: 400;\"> List down all your debts in the order of their balances, from smallest to largest.<\/span><\/p>\n<p><b>Step 2: <\/b><span style=\"font-weight: 400;\">Pay all the minimum payments for all debts <\/span><b><i>EXCEPT<\/i><\/b><span style=\"font-weight: 400;\"> for the smallest debt in the list.<\/span><\/p>\n<p><b>Step 3: <\/b><span style=\"font-weight: 400;\">For the smallest debt in the list pay the minimum <\/span><b><i>PLUS<\/i><\/b><span style=\"font-weight: 400;\"> a little more. Keep doing this until you have paid off the smallest debt completely.<\/span><\/p>\n<p><b>Step 4:<\/b><span style=\"font-weight: 400;\"> After that, put the extra money you now have available towards the <\/span><i><span style=\"font-weight: 400;\">next<\/span><\/i><span style=\"font-weight: 400;\"> smallest debt in your list.<\/span><\/p>\n<p><b>Step 5: <\/b><span style=\"font-weight: 400;\">Continue allotting your extra money towards the smallest debt until all your debts have been paid off.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><b><i>How To Apply The Debt Snowball Method?<\/i><\/b><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">I-apply natin ang method na ito sa mas maka-totohanang scenario. Sa Pilipinas, marami ang mga taong nababaon sa utang nila sa mga credit cards, kaya mainam na ito ang gawin nating halimbawa.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">5,000PHP Credit Card A (monthly minimum payment: 150PHP)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">10,000PHP Credit Card B (monthly minimum payment: 300PHP)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">25,000PHP Credit Card C (monthly minimum payment: 750PHP)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">50,000PHP Credit Card D (monthly minimum payment: 1,500PHP)<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">In using the Debt Snowball Method, you will only make <\/span><i><span style=\"font-weight: 400;\">minimum payments<\/span><\/i><span style=\"font-weight: 400;\"> for all credit cards EXCEPT on Credit Card A, wherein you will pay the minimum <\/span><i><span style=\"font-weight: 400;\">PLUS<\/span><\/i><span style=\"font-weight: 400;\"> an extra amount of money. Let\u2019s just say you can add an extra 500PHP to the monthly minimum of 150PHP for Credit Card A each month (650PHP in total). It means that you will be able to pay-off Credit Card A completely in approximately 7 to 8 months. After paying off Credit Card A, you can now use that same amount of money to add on to your minimum payment for Credit Card B. Dahil meron ka nang 650PHP every month na pwede mong idagdag sa 300PHP monthly minimum payment, makakapagbayad ka ng 950PHP kada buwan para sa Credit Card B. This will allow you to pay off Credit Card B in approximately 10 to 11 months. You only need to apply the same method to Credit Card C and Credit Card D.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is called the <\/span><i><span style=\"font-weight: 400;\">Debt Snowball Method<\/span><\/i><span style=\"font-weight: 400;\"> because it mimics a <\/span><i><span style=\"font-weight: 400;\">snowball<\/span><\/i><span style=\"font-weight: 400;\"> that keeps growing as it rolls down the hill. Ibig sabihin, lumalaki ang pera na pwede mong i-allot sa iyong mga nakalistang utang. By focusing on and targeting your smallest debt first, you are essentially <\/span><i><span style=\"font-weight: 400;\">\u201cfreeing up\u201d<\/span><\/i><span style=\"font-weight: 400;\"> money that you can apply to the next smallest debt in line. This will also slowly chip away from the main outstanding balance by paying more than the minimum per month.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">I-apply naman natin ang technique na ito sa natitirang utang sa Credit Card C at Credit Card D.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After you have finished paying off the first two credit cards, meron ka nang 950PHP na pwedeng idagdag sa minimum payment na 750PHP para sa Credit Card C (for a total of 1,700PHP per month). You can finish paying off Credit Card C in approximately 14 to 15 months. After which, you will have 1,700PHP freed up para maidagdag sa minimum payment na 1,500PHP para sa Credit Card D (for a total of 3,200PHP per month). You can then finish paying off Credit Card D in approximately 16 months.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><b><i>How About The Interest Rates Or Finance Charges?<\/i><\/b><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">In our example, we used credit cards that incur finance charges whenever you pay the minimum monthly payment only. And yes, it does add up over time. Kaya critical sa <\/span><i><span style=\"font-weight: 400;\">Debt Snowball Method<\/span><\/i><span style=\"font-weight: 400;\"> ang mapabilis at mapaaga ang pagbabayad ng mga utang, from smallest to largest. Kung mas malaki ang maidadagdag mong extra money right from the get-go (sa pinaka-unang maliit na utang sa listahan mo), mas mabilis mo din matatapos ang pagbabayad.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">Mainam na tandaan na ang method na ito ay hindi naka-focsu sa kung aling utang ang may pinaka-malaking <\/span><i><span style=\"font-weight: 400;\">interest rate<\/span><\/i><span style=\"font-weight: 400;\">. Kaya nga isa sa mga foundation nito ay ang continuous na pagbabayad ng <\/span><i><span style=\"font-weight: 400;\">monthly minimum payment<\/span><\/i><span style=\"font-weight: 400;\"> lamang sa mas malalaking utang sa iyong listahan habang naka-focus ka sa pinakamaliit na utang.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">A friendly reminder that the <\/span><i><span style=\"font-weight: 400;\">Debt Snowball Method<\/span><\/i><span style=\"font-weight: 400;\"> does not mean that you don\u2019t pay anything towards your larger\/largest debts at all. As a matter of fact, it revolves around you making the minimum payments for the larger debts as you make your way through your list and <\/span><i><span style=\"font-weight: 400;\">snowballing<\/span><\/i><span style=\"font-weight: 400;\"> the money that gets freed up.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><b><i>Why Is Snownballing An Efficient Way To Be Debt-Free<\/i><\/b><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">It is essentially molding your behavior to keep you motivated throughout the entire process of paying off your debts.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It pushes you to organize and pay your debts in order.<\/span>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Kapag naka-organize at planado ang pagbabayad mo ng iyong mga utang, mas mapapadali din ang paggawa mo ng <\/span><i><span style=\"font-weight: 400;\">monthly budget<\/span><\/i><span style=\"font-weight: 400;\">. More or less, alam mo na kung magkano ang kailangan mong ilaan para sa iyong mga utang kada buwan with the added bonus of paying off your debts in the most efficient and practical way.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Nakasalalay din sa pagbabayad ng <\/span><i><span style=\"font-weight: 400;\">monthly minimum payment<\/span><\/i><span style=\"font-weight: 400;\"> at ang pagbabayad nito sa tamang oras para hindi mag-incur ng <\/span><i><span style=\"font-weight: 400;\">late payment fees<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It encourages you to throw in extra money into your <\/span><i><span style=\"font-weight: 400;\">\u201csnowball\u201d<\/span><\/i><span style=\"font-weight: 400;\">.<\/span>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">It molds your behavior in such a way that you will prioritize paying off your debt by allotting more of your extra money towards it. Ibig sabihin, mas magkakaroon ka ng <\/span><i><span style=\"font-weight: 400;\">self-discipline<\/span><\/i><span style=\"font-weight: 400;\"> when it comes to how, when, and where you spend your extra money. Imbis na gamitin mong pang-shopping, mas mainam na ipangbayad mo na lang sa utang mo.<\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It inspires you to stay focused on your goal.<\/span>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">As your debt decreases, it motivates you to keep moving forward. Ang kagandahan ng method na ito ay nakikita mong lumiliit ang halaga ng utang mo over a shorter period of time hangang sa matapos mo na isa-isa ang mga ito. Again, it all boils down to how this method influences your behavior towards your finances.<\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<p><b><i>Yes, It\u2019s Easy\u2014If You Work Hard!<\/i><\/b><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">Just like everything else, it takes hard work and dedication to make this method an effective way to get rid of your debt. You are required to budget your money well, keep tabs on your minimum monthly payments and due dates, and a lot of sacrifice. Baka nga isipin mo na walang pinagkaiba yung panahon na ilalaan mo sa paggamit ng <\/span><i><span style=\"font-weight: 400;\">Debt Snowball Method<\/span><\/i><span style=\"font-weight: 400;\"> kumpara sa nakasanayang pagbabayag lang ng minimum. The difference is that in the time you have spent just paying the minimum amounts to all your debts, you could have paid off one or two\u2014if not all\u2014of those debts slowly but surely. Isipin mo na lang na by the time you reach your last and largest debt, you will have a snowball big enough to shatter it.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">Just to reiterate what was stated\u2014the key is changing your mindset and behavior. Unahin mo ang kailangan unahin.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">Seeing yourself pay off one debt at a time will give you the motivation and the boost to keep moving forward. Be a snowball now and power through paying off your debts!<\/span><\/p>\n<p><br \/><br \/><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06fc18d elementor-widget elementor-widget-text-editor\" data-id=\"06fc18d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: center;\">Share this article!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5074612 elementor-share-buttons--align-center elementor-share-buttons--view-icon-text elementor-share-buttons--skin-gradient elementor-share-buttons--shape-square elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"5074612\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.globalcreditpros.com.ph\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-share-buttons.min.css\">\t\t<div class=\"elementor-grid\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" tabindex=\"0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t\t<span\n\t\t\t\t\t\t\t\t\tclass=\"elementor-screen-only\">Share on facebook<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tFacebook\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" tabindex=\"0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t\t<span\n\t\t\t\t\t\t\t\t\tclass=\"elementor-screen-only\">Share on twitter<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tTwitter\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" tabindex=\"0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t\t<span\n\t\t\t\t\t\t\t\t\tclass=\"elementor-screen-only\">Share on linkedin<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tLinkedIn\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Snowball Your Way To A Debt-Free Life Blog Written by: Global CreditPros Marami ka bang utang at hindi mo na malaman kung ano ang uunahin? \u00a0 Maybe the Debt Snowball Method is for you! \u00a0 Itong method na ito ay pinasikat ni Dave Ramsey, a well-known US-based finance guru. It starts by listing down all [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"post_folder":[],"class_list":["post-1742","post","type-post","status-publish","format-standard","hentry","category-uncategorized","entry"],"_links":{"self":[{"href":"https:\/\/www.globalcreditpros.com.ph\/index.php?rest_route=\/wp\/v2\/posts\/1742","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.globalcreditpros.com.ph\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.globalcreditpros.com.ph\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.globalcreditpros.com.ph\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.globalcreditpros.com.ph\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1742"}],"version-history":[{"count":8,"href":"https:\/\/www.globalcreditpros.com.ph\/index.php?rest_route=\/wp\/v2\/posts\/1742\/revisions"}],"predecessor-version":[{"id":1874,"href":"https:\/\/www.globalcreditpros.com.ph\/index.php?rest_route=\/wp\/v2\/posts\/1742\/revisions\/1874"}],"wp:attachment":[{"href":"https:\/\/www.globalcreditpros.com.ph\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1742"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalcreditpros.com.ph\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1742"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalcreditpros.com.ph\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1742"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/www.globalcreditpros.com.ph\/index.php?rest_route=%2Fwp%2Fv2%2Fpost_folder&post=1742"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}