The narrator's phone breaks and they need to buy a new one, but they don't have the money. They ask their mom's friend to use her credit card and pay her back in installments.
The story discusses the importance of financial literacy and personal finance management in the Philippines, with the author sharing their own experiences and beliefs.
The narrator reflects on the importance of positive thinking and self-improvement, deciding to read a self-help book to cultivate good thoughts and habits.