Skip to content
Aether LedgerYour money, in focus.

Manila PHP

Live card debt₱536,351.17

As of . Statements updated .

Next payday is , in 7 days, on the 15th cycle. Payments already on a statement are not counted again. The auto loan is listed with the cards and is not part of this total.

Review payments

Still owed this cycle

These are live balances on the 15th, not a new minimum.

Minimums already covered
Covered
The 15th minimums are paid.
Overdue minimums
None
No minimum is unpaid past its due date.
Statement balance change
+5.4%Higher
Statement totals versus the previous SOA, not new spend. Spend change is -55.4%.

Cards and loans

This payday’s cards come first. Open a row for its statement.

BPI Auto Loan *9806

Paid (user-confirmed Oct 19) — receipt pending · not in card total

₱0.00

Paid

Payday playbook

15th payday (now)

Which bills sit on this payday. Amounts are in Still owed.

  • EastWest *1017

    The minimum on the last statement is paid. The next statement is not in yet.

  • UnionBank Visa *3556, TPA only

    17ths — only if enrolled in TPA

30th payday

Which bills sit on the other payday.

  • BPI Petron *7688

    The minimum on the last statement is paid. The next statement is not in yet.

  • UnionBank Visa *3556

    The minimum on the last statement is paid. The next statement is not in yet.

  • Chinabank *1007

    The minimum on the last statement is paid. The next statement is not in yet.

  • Smart

    Paid

TPA / forbearance is optional: Oct 9 SOA is due Oct 30 (30th payday), not the 17ths — TPA enrollment is not shown on that e-SOA. Keep this row only if forbearance is still being considered.

Canceled subs ₱4,879.00/cycle not coming back (Grok, OpenAI, HBO Max, Higgsfield, Prisma).

Expenses by month

Charges by posted date versus amount paid (GCash, ADA, autodebit, ECPAY). Select a month for exact totals.

Open trends

Amount (PHP)

  • Charges
  • Amount paid

Expenses by card

Posted charges (purchases, installments, fees) by month. Payments excluded. Same months as the total chart.

Amount (PHP)

  • EastWest
  • BPI Petron
  • UnionBank Visa
  • Chinabank

  1. Jul

    • EastWest₱0.00
    • BPI Petron₱37,611.47
    • UnionBank Visa₱0.00
    • Chinabank₱0.00

  2. Aug

    • EastWest₱14,445.64
    • BPI Petron₱47,692.78
    • UnionBank Visa₱10,104.34
    • Chinabank₱3,699.61

  3. Sep

    • EastWest₱30,135.93
    • BPI Petron₱7,457.33
    • UnionBank Visa₱63,889.60
    • Chinabank₱2,964.74

  4. Oct

    • EastWest₱13,615.26
    • BPI Petron₱0.00
    • UnionBank Visa₱665.33
    • Chinabank₱2,615.01

Other statement totals

Statement fees

₱32,488.45

Late fees ₱2,027.77

Installment still owed

₱13,965.24

Future terms only. Current billed unpaid ~₱10,207.58

Cash to creditors

₱167,219.76

Recorded payments Jul–Oct (GCash, ADA, autodebit)