📊 A recent study in the Philippines shows that the debt-to-income ratio is 4:1. That means Filipinos spend 4x more than their income, which drowns them into debt. Here are 3 ways to improve this situation: ✅ Don’t spend more than what you’re earning. Ayaw palabi ug gasto kung dili pa kaya sa imong income. Live within your means. ✅ Prepare your emergency fund. Para kung naay kalit nga gasto, dili ka magamit sa utang. ✅ Apply the debt snowball strategy. Start paying your smallest debt first, then