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19:["$","div",null,{"className":"space-y-6 mb-8","children":[["$","div",null,{"className":"flex gap-4","children":[["$","div",null,{"className":"flex-shrink-0 w-8 h-8 bg-red-600 text-white rounded-full flex items-center justify-center font-bold","children":"1"}],["$","div",null,{"children":[["$","h3",null,{"className":"font-semibold mb-2","children":"Stop Creating New Debt"}],["$","p",null,{"className":"text-gray-700 mb-3","children":"This is crucial for any debt management strategy to work. Cut up credit cards if necessary, remove saved payment methods from online stores, and commit to cash-only spending."}],["$","div",null,{"className":"bg-red-50 p-4 rounded-lg","children":[["$","h4",null,{"className":"font-medium text-red-800 mb-2","children":"Emergency Actions:"}],["$","ul",null,{"className":"text-sm text-red-700 space-y-1","children":[["$","li",null,{"children":"• Remove credit cards from your wallet"}],["$","li",null,{"children":"• Delete saved payment methods online"}],["$","li",null,{"children":"• Set up spending alerts and limits"}],["$","li",null,{"children":"• Use cash envelopes for variable expenses"}]]}]]}]]}]]}],["$","div",null,{"className":"flex gap-4","children":[["$","div",null,{"className":"flex-shrink-0 w-8 h-8 bg-orange-600 text-white rounded-full flex items-center justify-center font-bold","children":"2"}],["$","div",null,{"children":[["$","h3",null,{"className":"font-semibold mb-2","children":"Prioritize by Consequences"}],["$","p",null,{"className":"text-gray-700 mb-3","children":"Not all debts are equal. Some have more severe consequences for non-payment than others. Prioritize based on potential impact on your life and credit."}],["$","div",null,{"className":"grid grid-cols-1 md:grid-cols-3 gap-3","children":[["$","div",null,{"ref":"$undefined","className":"rounded-xl border text-card-foreground shadow bg-red-100 border-red-300","children":["$","div",null,{"ref":"$undefined","className":"p-3","children":[["$","h4",null,{"className":"font-medium text-red-800 text-sm mb-1","children":"🚨 Highest Priority"}],["$","ul",null,{"className":"text-xs text-red-700","children":[["$","li",null,{"children":"• Secured debts (home, car)"}],["$","li",null,{"children":"• Tax obligations"}],["$","li",null,{"children":"• Utility bills"}]]}]]}]}],["$","div",null,{"ref":"$undefined","className":"rounded-xl border text-card-foreground shadow bg-yellow-100 border-yellow-300","children":["$","div",null,{"ref":"$undefined","className":"p-3","children":[["$","h4",null,{"className":"font-medium text-yellow-800 text-sm mb-1","children":"⚠️ Medium Priority"}],["$","ul",null,{"className":"text-xs text-yellow-700","children":[["$","li",null,{"children":"• Credit card debt"}],["$","li",null,{"children":"• Personal loans"}],["$","li",null,{"children":"• Student loans"}]]}]]}]}],["$","div",null,{"ref":"$undefined","className":"rounded-xl border text-card-foreground shadow bg-blue-100 border-blue-300","children":["$","div",null,{"ref":"$undefined","className":"p-3","children":[["$","h4",null,{"className":"font-medium text-blue-800 text-sm mb-1","children":"📋 Lower Priority"}],["$","ul",null,{"className":"text-xs text-blue-700","children":[["$","li",null,{"children":"• Medical bills"}],["$","li",null,{"children":"• Family/friend loans"}],["$","li",null,{"children":"• Non-essential services"}]]}]]}]}]]}]]}]]}],["$","div",null,{"className":"flex gap-4","children":[["$","div",null,{"className":"flex-shrink-0 w-8 h-8 bg-yellow-600 text-white rounded-full flex items-center justify-center font-bold","children":"3"}],["$","div",null,{"children":[["$","h3",null,{"className":"font-semibold mb-2","children":"Negotiate with Creditors"}],["$","p",null,{"className":"text-gray-700 mb-3","children":"Many creditors are willing to work with you if you're proactive about communication. Contact them before you miss payments to discuss options."}],["$","div",null,{"className":"grid grid-cols-1 md:grid-cols-2 gap-4","children":[["$","div",null,{"className":"bg-green-50 p-4 rounded-lg","children":[["$","h4",null,{"className":"font-medium text-green-800 mb-2","children":"What to Request:"}],["$","ul",null,{"className":"text-sm text-green-700 space-y-1","children":[["$","li",null,{"children":"• Lower interest rates"}],["$","li",null,{"children":"• Extended payment terms"}],["$","li",null,{"children":"• Temporary payment reduction"}],"$L2d"]}]]}],"$L2e"]}]]}]]}],"$L2f"]}]
1a:["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Breaking the Debt Cycle Forever"}]
1b:["$","p",null,{"className":"text-gray-700 mb-6","children":"Getting out of debt is only half the battle. Staying out requires building new financial habits and systems that prevent future debt accumulation."}]
1c:["$","div",null,{"className":"grid grid-cols-1 md:grid-cols-2 gap-6 mb-8","children":[["$","div",null,{"ref":"$undefined","className":"rounded-xl border bg-card text-card-foreground shadow","children":["$","div",null,{"ref":"$undefined","className":"p-6","children":[["$","h3",null,{"className":"font-semibold mb-4 text-green-800","children":"🛡️ Preventive Measures"}],["$","ul",null,{"className":"space-y-2 text-sm text-gray-700","children":[["$","li",null,{"children":"• Build a robust emergency fund (3-6 months expenses)"}],["$","li",null,{"children":"• Use the 24-hour rule for non-essential purchases"}],["$","li",null,{"children":"• Automate savings before you can spend it"}],["$","li",null,{"children":"• Track expenses weekly to stay aware"}],["$","li",null,{"children":"• Set up spending alerts and budgets"}]]}]]}]}],["$","div",null,{"ref":"$undefined","className":"rounded-xl border bg-card text-card-foreground shadow","children":["$","div",null,{"ref":"$undefined","className":"p-6","children":[["$","h3",null,{"className":"font-semibold mb-4 text-blue-800","children":"📈 Building Wealth Habits"}],["$","ul",null,{"className":"space-y-2 text-sm text-gray-700","children":[["$","li",null,{"children":"• Pay yourself first (save before spending)"}],["$","li",null,{"children":"• Invest in your financial education"}],["$","li",null,{"children":"• Start investing once debt-free"}],["$","li",null,{"children":"• Set financial goals and track progress"}],["$","li",null,{"children":"• Review and adjust your plan quarterly"}]]}]]}]}]]}]
1d:["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"When to Seek Professional Help"}]
1e:["$","div",null,{"ref":"$undefined","className":"rounded-xl border bg-card text-card-foreground shadow mb-8","children":["$","div",null,{"ref":"$undefined","className":"p-6","children":["$","div",null,{"className":"grid grid-cols-1 md:grid-cols-2 gap-6","children":[["$","div",null,{"children":[["$","h3",null,{"className":"font-semibold mb-3 text-red-800","children":"🚨 Warning Signs You Need Help:"}],["$","ul",null,{"className":"space-y-2 text-sm text-red-700","children":[["$","li",null,{"children":"• Using credit to pay for basic necessities"}],["$","li",null,{"children":"• Only making minimum payments"}],["$","li",null,{"children":"• Borrowing to pay other debts"}],["$","li",null,{"children":"• Missing payments regularly"}],["$","li",null,{"children":"• Maxed out credit limits"}],["$","li",null,{"children":"• Losing sleep over money stress"}]]}]]}],["$","div",null,{"children":[["$","h3",null,{"className":"font-semibold mb-3 text-blue-800","children":"💼 Professional Resources:"}],["$","ul",null,{"className":"space-y-2 text-sm text-blue-700","children":[["$","li",null,{"children":"• BSP Financial Consumer Protection"}],["$","li",null,{"children":"• Non-profit credit counseling agencies"}],["$","li",null,{"children":"• Financial advisors and planners"}],["$","li",null,{"children":"• Debt management companies"}],["$","li",null,{"children":"• Legal aid for extreme cases"}],["$","li",null,{"children":"• Support groups and communities"}]]}]]}]]}]}]}]
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21:["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Your Path to Financial Freedom"}]
22:["$","p",null,{"className":"text-gray-700 mb-6","children":"Debt management is a journey that requires patience, discipline, and the right strategy for your situation. Whether you choose the debt avalanche, snowball method, or consolidation, the most important step is to start today."}]
23:["$","p",null,{"className":"text-gray-700 mb-8","children":"Remember that setbacks are normal, and progress isn't always linear. Celebrate small victories, learn from mistakes, and keep moving forward. Financial freedom is achievable with the right plan and consistent action."}]
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2c:["$","div",null,{"children":[["$","h4",null,{"className":"font-semibold text-purple-900 mb-2","children":"How it works:"}],["$","p",null,{"className":"text-purple-800 mb-3","children":"Combine multiple debts into a single loan with one monthly payment, ideally at a lower interest rate."}],["$","div",null,{"className":"space-y-4","children":[["$","div",null,{"children":[["$","h5",null,{"className":"font-medium text-purple-800 mb-2","children":"Consolidation Options in the Philippines:"}],["$","div",null,{"className":"grid grid-cols-1 md:grid-cols-2 gap-3","children":[["$","div",null,{"className":"bg-white p-3 rounded-lg","children":[["$","div",null,{"className":"font-medium text-sm","children":"Personal Loan"}],["$","div",null,{"className":"text-xs text-gray-600","children":"Use loan to pay off multiple debts"}]]}],["$","div",null,{"className":"bg-white p-3 rounded-lg","children":[["$","div",null,{"className":"font-medium text-sm","children":"Balance Transfer"}],["$","div",null,{"className":"text-xs text-gray-600","children":"Move high-rate balances to lower-rate card"}]]}],["$","div",null,{"className":"bg-white p-3 rounded-lg","children":[["$","div",null,{"className":"font-medium text-sm","children":"Home Equity Loan"}],["$","div",null,{"className":"text-xs text-gray-600","children":"Use property as collateral for lower rates"}]]}],["$","div",null,{"className":"bg-white p-3 rounded-lg","children":[["$","div",null,{"className":"font-medium text-sm","children":"Debt Management Plan"}],["$","div",null,{"className":"text-xs text-gray-600","children":"Work with credit counselor for structured plan"}]]}]]}]]}],["$","div",null,{"className":"grid grid-cols-1 md:grid-cols-2 gap-4","children":[["$","div",null,{"children":[["$","h5",null,{"className":"font-medium text-purple-800 mb-1","children":"✅ When to Consider:"}],["$","ul",null,{"className":"text-sm text-purple-700","children":[["$","li",null,{"children":"• Multiple high-interest debts"}],["$","li",null,{"children":"• Good enough credit for better rates"}],["$","li",null,{"children":"• Discipline to avoid new debt"}]]}]]}],["$","div",null,{"children":[["$","h5",null,{"className":"font-medium text-purple-800 mb-1","children":"⚠️ Risks to Avoid:"}],["$","ul",null,{"className":"text-sm text-purple-700","children":[["$","li",null,{"children":"• Running up new debt after consolidating"}],["$","li",null,{"children":"• Longer repayment terms increasing total cost"}],["$","li",null,{"children":"• Using secured debt for unsecured debt"}]]}]]}]]}]]}]]}]
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2e:["$","div",null,{"className":"bg-blue-50 p-4 rounded-lg","children":[["$","h4",null,{"className":"font-medium text-blue-800 mb-2","children":"Negotiation Tips:"}],["$","ul",null,{"className":"text-sm text-blue-700 space-y-1","children":[["$","li",null,{"children":"• Be honest about your situation"}],["$","li",null,{"children":"• Have a realistic proposal ready"}],["$","li",null,{"children":"• Get agreements in writing"}],["$","li",null,{"children":"• Ask for supervisor if needed"}]]}]]}]
2f:["$","div",null,{"className":"flex gap-4","children":[["$","div",null,{"className":"flex-shrink-0 w-8 h-8 bg-green-600 text-white rounded-full flex items-center justify-center font-bold","children":"4"}],["$","div",null,{"children":[["$","h3",null,{"className":"font-semibold mb-2","children":"Increase Your Income"}],["$","p",null,{"className":"text-gray-700 mb-3","children":"While cutting expenses helps, increasing income can accelerate your debt payoff significantly. Every extra peso goes directly to debt reduction."}],["$","div",null,{"className":"grid grid-cols-1 md:grid-cols-2 gap-3","children":[["$","div",null,{"className":"bg-purple-50 p-3 rounded-lg","children":[["$","h4",null,{"className":"font-medium text-purple-800 text-sm mb-1","children":"Quick Income Boosts:"}],["$","ul",null,{"className":"text-xs text-purple-700","children":[["$","li",null,{"children":"• Sell unused items"}],["$","li",null,{"children":"• Take on extra shifts"}],["$","li",null,{"children":"• Freelance your skills"}],["$","li",null,{"children":"• Gig economy work"}]]}]]}],["$","div",null,{"className":"bg-teal-50 p-3 rounded-lg","children":[["$","h4",null,{"className":"font-medium text-teal-800 text-sm mb-1","children":"Long-term Strategies:"}],["$","ul",null,{"className":"text-xs text-teal-700","children":[["$","li",null,{"children":"• Ask for a raise"}],["$","li",null,{"children":"• Learn new skills"}],["$","li",null,{"children":"• Start a side business"}],["$","li",null,{"children":"• Passive income streams"}]]}]]}]]}]]}]]}]
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