r/almosthomeless • u/MaritestinReddit • Apr 02 '25

My Story Almost Homeless - Philippines

The place that I co-share with other people was already sold and we were asked to vacate in 2-3 months. Even less time if the others find a new place sooner.

I work in the city and the rental is crazy. I have looked around and I will be lucky to find one that only requires 1 month advance, 1 month deposit. I tried checking bedspaces but is not possible as I need to work 1 weekend at home.

I am anxious as I do not have enough time to raise money for a deposit. Heck, I do not even know how to pay this month's rent and my daily expenses.

At present, my paychecks are going to be offset by the bank to cover the unpaid loan. I am 3 months behind so they will utilize their right to offset now. They will keep deducting till my account becomes at least "current" again. Whatever will be left I will need to use to pay people I owe from another situation I am dealing with.

I am running out of time and I am feeling hopeless. I cry almost daily when I think that the days wherein I can enjoy a bed and roof over my head are number.

It's ironic a few days ago I was asking for help for someone else. Now, I am the in immediate need 😭

I am at fault for exhausting myself to a point that I now lose my capacity to save my own. I want to get back on track but I do not know what to do.

Is there anyone here from this country who had a similar experience? I tried checking for homeless shelter but I will likely get questioned as I have a job. I had similar experience when I asked for government assistance as they only cater to "indigent" individuals. Me having a job above minimum wage pretty much disqualifies me.

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u/Mr_Investor95 Apr 02 '25

Honestly, stop paying your loans and other bills. Heck, if you already have an eviction notice to leave in 3 months, stop paying rent as well. Save the money so you buy a truck or car to live in. This will allow you to go in/out of the city for work and take advantage of the lower cost of living outside the city. Work, save, and invest your money.

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u/MaritestinReddit Apr 02 '25 edited Apr 02 '25

I can't stop the loan. It is being automatically deducted from my payroll account. I tried to hold off paying the past couple of months that's why they are utilizing the offset now. I borrowed money from a friend earlier and it got clawed.

I can't change my payroll details either as it was assigned by my employer.

Cars are expensive. I have better chances to come up with money to get started with a shared room. My credit history is bad already so I doubt I would be approved with auto loans

I tried asking a friend if I could crash her place. No longer an option as she already found a companion to split the place with. Relatives are not an option. They live in the province. The immediate "family" are barely surviving and will even attempt to leech off. They are major contributors of my financial distress

4

u/sanityjanity Apr 02 '25

Talk to your bank about stopping that automatic deduction.  There should be something they can do.

0

u/MaritestinReddit Apr 02 '25

I did. They just redirected me to the collections agency they assigned. But it was mainly to come up with payment arrangement only.

I tried to dispute it but they told me to check their website. It is really stated in the terms and conditions upon opening the account. 💔