"Panginoon, Diyos ko, I humbly come before You, acknowledging Your grace and provision in our lives. Ama naming mahal, grant us financial wisdom to manage our resources according to Your will, and please provide relief from all our financial burdens. Hopefully ma-ubos na po namin this year ang utang namin sa credit card. We trust in Your divine providence and believe in Your abundant blessings. Amen."