Utang
UTANG.
Masakit ba sa mata? Teka, uulitin ko.
U T A N G . Capslock para ramdam natin :D
Nope. I am not hypocrite enough para i deny na wala akong utang. In fact, I maxed out my credit card when my father got hospitalized months ago. Simply because my emergency fund and savings were never enough to pay for the hospital bills. I am the bread winner of my family so I had to do that tough decision to bring my father out of the hospital.
Alam ko, kahit may savings ka pa, kahit may emergency fund ka pa, dumarating talaga sa buhay natin na hindi ito sasapat kaya kailangan nang kumapit sa patalim.
Right now, I am happy to proclaim that I have paid that credit card fully without paying for any interest. Sa hindi nakakaalam, kung may credit card ka at nagawa mo itong bayaran before due date, wala kang interest na babayaran kahit piso. I am fully aware of this rule kaya nagsipag at humanap ng paraan para mabayaran ng buo yung CC ko before the due date period.
And I was confident enough to max out my credit card that time kasi alam ko na kaya ko itong bayaran on time.
Marami sa atin ang nalulubog ng utang dahil:
- Walang emergency fund o kahit savings man lang.
- Sa sobrang gipit, kakapit kahit 20% yung tubo monthly.
- Umuutang para may ipambayad sa isa pang utang.
- Umuutang kahit na may existing na utang na dapat bayaran.
- Palaging natutukso pag may sale at may hawak na credit card.
- Pag may pera, happy2 saka nalang babayaran yung utang.
- Hindi nag bubudget kaya uutang tuwing petsa de peligro.
You, yes you. I don't want to scold you through this post na wag utang ng utang, but I want to encourage you to just borrow what you can afford to pay.
Maawa ka naman sa nagpautang sa'yo. Pinaghirapan din nila yan.
Higit sa lahat, maawa ka sa sarili mo. Every time you borrow money, o kahit umutang ng mga bagay na hindi pa naman kailangan, you are depriving your future self to enjoy the fruit of your labor.
So sa tuwing uutang ka, ask yourself.
Kaya ko ba tong bayaran?
Kung ganito kalaki ang uutangin ko, may kakainin pa ba ako pagkatapos kong sumahod?
Handa ko bang i block si bestie pag hindi ko na kayang bayaran yung utang ko?
Handa ba akong maging instant famous pag pinost na ako ni besh pag hindi ko siya nabayaran?
Remember, when you make UTANG, you are spending the money your future self would pay for. If you have an existing debt, face it. Gawan mo ng paraan to pay it as soon as possible. try to make a debt-payment plan.
Again, just borrow what you can afford to pay back. Or better yet, have enough savings or emergency fund para may kakapitan ka sa panahon ng kagipitan.
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Ito rin yung dahilan kaya takot na takot akong mangutang.
Pwede mangutang? Hahaha
trueeee especially the third one! If we are used to do UTANG everytime gipit, we will subconsciously instill it in our minds na sa utang kakapit and it will eventually become a habit that is hard to break.
Hahhahah pautanga sa ko una lodi para ako ipautang nimo nyahahha
Very true!!!!! That's why I wanted to avoid it as much as possible.
yesss Ree usahay dili gyud malikayan but we have to face it and try to avoid having bad debts next time
Thank you sa reminder. Natamaan jud ko ani kay puros utang mi karon para mahuman amung house but we have a debt-payment plan and it will take time for us na makapay pero at least wala nami nag abang..i still consider it as good debt.
I really forgot to include good debts te and I believe that is a good debt as well. Glad to know that you are starting to pay for your own house. And I agree! It is much better than end up paying for rent for the rest of your life.
I agree what @reewritesthings said :3 , Id like to avoid utang as much as possible, kahit 200peso or 300peso lng yan. Kahit walang interest o may interest.
> But in case of emergency we really need to right?
This is why we should save funds for emergency purposes or an insurance plan.
> Just borrow what you can afford to pay.
Agreed. Kahit 5 peso lang yan haha! In my case, I dont lend money to people that is for personal reasons, but instead for emergency purposes. Just like @calprut, he just had an emergency last month because his Father had an incident and so I lent him 70 steem I think then paid back without interest. For sure he was confident to pay me back, and I also trust this guy even he is from Indonesia.