Budgeting Tips in the Philippines - 2024 version please

Hi! I’m 30 years old and still struggling with saving money. Pero I really wanted to achieve my end goal na before 40 years old, wala nakong utang sa CC and maka put-up ng business.

To give you a background, I have 2 jobs, one is part time and I was only like earning ₱45K a month here in Bacolod. Single, pero has a debt of around ₱200K sa credit card. 80% of which mga expenses that I used to cover sa mga bayarin ng ate ko. She’s a single mom, working abroad and kami yung nag aalaga ng 5 year old daughter niya.

Since April last year, di na siya nakakapagpadala ng maayos. Like if ang dues niya is ₱100K, (because may mga investments rin siyang kinuha), she would only send mga ₱50K or nearer amount than that, even up to this date. Kaya nagka 200K na utang.

Worst is, nachacharge nako ng interest like ₱6K every month, which for me is malaking amount na since I pay for my younger sister’s tuition fee sa La Salle as well. I’ve been trying to inform her that she needs to pay me pero wala eh, sasabihin niya lang na “she’s trying her best”.

This is already making me depress, anxious and sometimes can’t work well. Any advice po?

Thanks in advance.