debt/utang advices please!!!!!

Please share your insights/opinions about how to manage debts/utang? Like ways and tips in general on how to save so the debts are in progress of finishing it as soon as possible! 🙏

Bonus na rin kung magshare kayo on how to effectively establish and start with savings and emergency funds!

PS. I don’t need slap on face judgements at mga unnecessary side comments na hindi naman makakatulong. I’ve had enough and been to harsh to myself na! 😭🤣