@HK_Katherine - You are sterotyping Filipinos. I'm not a Filipino but I certainly have a lot of well respected Filipino friends... Katherine, your messages are already out of the context. I've only stated the condition and situation that I am into so I would get a much appropriate advise but not to be lectured about cultural things and so. Your points on how to manage my finances in the future are valid but this is not the resolution to my current problem.