Hina-hunting ka na ba ng mga credit card companies?
Non- stop ba ang calls to remind you?
Parang wala ng katahimikan, di ba?
Kapatid, mahirap talaga maipit kapag utang sa card ang pinag-uusapan.
Habang tumatagal pataas lang ng pataas ang interes hanggang sa tuluyan na itong lumobo.
Kapag lumagpas na kasi sa due date, automatic ang 2-3.5% interest
Makakawala pa ba tayo?
Oo naman!
Paano?
TAKE BABY STEPS
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Kung merong kang two or more credit cards at pareho itong kargado ng outstanding balance, it would be best to settle it one card at a time depende sa urgency nito.
We cannot pay everything all at the same time.
Alam naman natin yan ‘di ba?
Kaya focus muna sa isa then yung susunod naman.
BE DISCIPLINED
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Wala tayong ibang hinahangad kundi makawala dito, tama?
Kung ito talaga ang goal natin then why not MAKE IT A PRIORITY?
Kung kailangan maghigpit ng sinturon, GO!
Kung kailangang umiwas sa pagkain-kain sa labas, GO!
Do everything para matapos ang pagbabayad.
TALK TO YOUR CREDITORS
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Kausapin sila.
Set a meeting.
Be willing to compromise and commit to it.
You’ll be surprised kung gaano sila ka- willing to negotiate.
Ang gusto lang naman nila malaman ay kung willing tayo mag-bayad.
Running away will not solve the problem.
Parang anay lang ang utang na kapag hindi napuksa palaki nang palaki ang ngangatngatin.
FIND WAYS TO EARN
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We may have our day jobs, but it would help kung meron pa tayong ibang pagkakakitaan to pay-off our debts.
Halimbawa:
If we set P2,000/month for our credit card debt with additional income, we can add another P1,000— at malaking bagay ito para mapabilis.
“Pagsikapan ang bayad sa utang para maiwasan ang pagiging lutang.”
-Chinkee Tan, Wealth Coach Philippines
THINK. REFLECT. APPLY.
- Ilan ang credit card mo ngayon na may balance pa?
- What steps will you do para makabayad?
- Willing ka ba mag change ng lifestyle para dito?
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Chinkee Tan is a Wealth Coach, Keynote Speaker, and Best-selling Author on personal finance and wealth management. He has written 16 best-selling books and counting. His mission is to equip millions of Filipinos to be free from financial stress & experience financial freedom.