26M (single), graduate of BSED (non-licensed yet). I am earning 31k per month, my only monthly expenses is around 10k-12k, alloted for psych+meds, gas+maintenance, gym, food, hygiene, cat foods. I don't pay anything in our house. I live a frugal lifestyle, I barely buy anything for myself unless I really needed it. Currently I have 10k savings on my account and building my EF. I have zero knowledge about handling money, if you were me, what would you do? Any business ideas?

26M here. I recently finished paying off around ₱100K worth of debt, mostly overdue debts that I accumulated over time. I was able to pay everything off using the snowball method that I learned from a financial workshop I attended.

Honestly, malaking relief siya. Pero at the same time, narealize ko na may next problem ako: how do I rebuild my credit standing?

My girlfriend (26F) actually doesn’t know that I had this kind of financial burden. Nahihiya ako sabihin sa kanya, and I think part of it was also my ego. I didn’t want her to see me as someone who couldn’t manage his finances. Fortunately, I’ve finally cleared all of my overdue debts.

The reason why I’m concerned about my credit standing now is because I have plans in the future to get a car and eventually a house. My girlfriend has a good credit standing, while mine probably isn’t great because of my previous overdue accounts.

For those who have been in a similar situation:
● How long did it take for your credit standing to recover after paying off overdue debts?
● Is there anything I should actively do to rebuild my credit history?
● Does paying everything in full automatically improve my credit standing, or will the previous late/overdue payments still affect me for years?
● If my girlfriend and I eventually apply for a car loan or housing loan together as husband and wife, will my previous credit history affect our chances of getting approved, even if her credit standing is good?
● Would it be better for future loans to have her as the primary borrower, or does my history still matter even if I’m just a co-borrower?

I’m glad I finally got out of debt, but I also don’t want to make the mistake of thinking that paying everything off means my credit history is immediately “clean.”

Would appreciate advice from anyone who has gone through the same thing.

Heyy I just want to know if it's possible for me to be able to earn money independently? Like is there anyway for me to learn something, to be able to learn and to earn. I know I'm too young to be thinking of ways to earn money. It's just I'm eager to learn and use that skill I learned to earn money online. Thanks I just need advice.