To repay a loan of ₱25,000 on a salary of ₱45,000, you'll want to structure payments so that they are sustainable and within your budget. Here's how to approach it:

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Step 1: Determine your disposable income

Salary: ₱45,000

Estimated essential expenses (rent, food, utilities, transport, etc.): Let's assume ₱25,000

Disposable income: ₱45,000 - ₱25,000 = ₱20,000 (this is what you could possibly use for debt repayment)

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Step 2: Choose repayment period

The shorter the period, the higher the payments but the less interest you’ll pay (if there's interest).

Option 1: Weekly payments

If you want to pay it in 10 weeks, that’s:

₱25,000 / 10 = ₱2,500 per week

That's ₱10,000 per month on average, which may be manageable

Option 2: Monthly payments

If you want to repay it in 3 months, that’s:

₱25,000 / 3 = ₱8,333 per month

Or over 5 months:

₱25,000 / 5 = ₱5,000 per month

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Step 3: Match to your budget

With ₱20,000 of possible repayment room monthly, here are realistic plans:

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Recommendation

Best balance: Repay in 3 months, at ₱8,333/month if cash is tight some months, go for 5 months (ksh.5,000/month)