Love is free, they said. But if you've ever cried in MRT Cubao over someone who "just wasn't ready," you know the truth:
modern romance is utang with bad interest rates.
Love on Credit
is the brutally funny, painfully relatable sequel to
Swipe Right on Trauma
. It takes the disasters of dating and reframes them as financial scams-installments, hidden charges, ghost payments, and emotional bankruptcy. Because when it comes to love, the receipts always hurt.
Inside these pages, you'll find:
The 30-Day Free Trial Situationship
- like Netflix, but with more tears and zero commitment.
Interest Rates and Emotional Debt
- how every "I'll change, promise" comes with hidden charges.
Ghosts Don't Pay Their Bills
- why closure never comes from people who vanish without paying their emotional tab.
Loyalty Points, But Make It Painful
- how staying too long in toxic love doesn't earn you rewards, just trauma.
Pending Transactions
- the agony of waiting for replies that feel like bank transfers stuck in limbo.
If you've ever:
Lent your heart like GCash to someone who never paid it back,
Stayed in a relationship because "sayang naman,"
Or convinced yourself a situationship was "enough"-
...then congratulations, you're exactly who this book was written for.
But here's the catch: it's not all jokes. Hidden between the roasts are real truths about self-worth, boundaries, and why you should stop financing people who treat you like clearance-sale love.
Because in the end, love will always cost you something: time, patience, maybe even your Spotify premium. But it should never cost your dignity.
is Book 2 of
The Modern Romance Scam Series
, a trilogy that roasts modern love while helping you survive it. Perfect for Millennials and Gen Z readers who are tired of boring advice and want to laugh at heartbreak instead.
So stop lending yourself to people who ghost. Cancel your subscriptions to half-love. And remember: healing may not pay you back in cash, but it pays in peace. And that's priceless.
"Finally, a book that explains why my love life feels like a 5-6 loan. Painful, accurate, hilarious." - A kapitbahay who still owes you 200 pesos
"This book didn't fix my heart, but at least it made me laugh while checking my emotional balance. Would recommend over therapy." - Some guy eating Jollibee spaghetti alone
"Made me realize I was the one doing installment payments in love. Thanks, I hate it." - Your friend who always says "utang na loob" in relationships
"Seriously? Sino nagsulat nito?" - Jay Dijkstra