PAYMENT FIRST BEFORE UTANG ULIT

Nitong nakalipas na mga linggo,
we already talked about ‘utang’ a number of times.
The issues, solutions and even preventions.

“Ang lupet! Prevention from utang talaga…”

Marami kasi sa atin ang natakot na magpautang
dahil sa bad past experiences,
tulad na lang ng hindi na nababayaran,
tapos mga nangutang na nakakalimot na.
Sa kagustuhan nating makatulong financially,
at the same time yung hindi rin tayo natatalo,
kinakaya nating magpautang with even months to pay.

Pero may iba talaga na ilang taon na,
hindi pa rin nagbabayad hanggang sa nabaon na talaga sa limot.
Dito rin madalas nagkakaroon ng bad concept sa pautang.
Kaya’t kung nais nating makautang ulit (for a valid reason)…

SIGURADUHIN NATIN NA MAY PARAAN TAYO KUNG PAANO MAKABAYAD

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Marami sa atin ang madalas mangutang
dahil sa bugso ng damdamin,
without even thinking twice or thrice.

“Mangungutang muna ako ng pang-shopping.”
“Pwede munang makahiram? Kailangan na kailangan ko lang kasi…”

Madalas dahil sa naiipit tayo sa cravings,
hospitalizations, at magagandang bags at damit,
nagiging automatic na tayo sa thinking na,

“Wala na akong pera, mangungutang muna ako.”

Tapos kapag bayaran na,
nagkakarambola sa kung saan o kanino
pwede mangutang para lang mabayaran ang isa pang utang.

This is not a healthy mindset when handling wealth.
We must know how and when to pay bago umutang.

PAY ON OR BEFORE THE DUE DATE

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If we consistently pay our debts on or before the due date,
we’ll have the opportunityna makautang ulit.
Kung tayo mismo sa ating sarili
ay always on the dot when paying,
we can receive that privilege na makautang ulit. Bakit?
Because we have proven sa mga nagpapautang sa atin na “You are trustworthy.”

Para hindi ma-missed out ang due date natin,
we can use our cellphone alarm clocks, calendar,
notepad or even message a friend to remind us.
Ang importante ay makabayad tayo on time.

PAY THE EXACT AND RIGHT AMOUNT
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This is one of the essentials sa pautang.
Sa mga nagpapautang, malaking ginhawa
kung ang nangutang ay exact amount ang mababayaran.

These only shows respect sa nagpautang.
Dahil nga good payer tayo
at tama ang halaga ng ating ibinabayad, mas malaki ang chance
na makautang ulit kung kinakailangan.
We must take responsibility sa ating utang.

“I think it is not bad to have utang, as long as we will pay the exact amount on time.”
-Chinkee Tan. Filipino  Motivational Speaker.

THINK. REFLECT. APPLY.

• Mahilig ba tayong mangutang?
• Nagbabayad ba tayo ng tama sa mga inutang natin?
• Ano ang mga paraan na ginagawa mo para makabayad on time?
  

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