BAON SA UTANG DAHIL SA CREDIT CARD

Lagi ka bang kinukulit ng mga
credit card companies?
Sasabihin na kapag hindi nakabayad,
lolobo ang bill?
Na kapag hindi nagbayad, lalaki ang interest?
At kapag hindi nagbayad,
may pupunta sa bahay o tatawag sa atin
para maningil?
Well, totoo yun.
Pero kadalasan, aminin n’yo,
minsan, tayo pa yung nagagalit.
Tama ba?
“Eh kasi tawag ng tawag!”
“Ang kulit kulit nila masyado!”
“Nananakot pa silang pupunta sa bahay”
Unang una, ginagawa lang din
nila ang trabaho nila.
Pangalawa, maaaring may nasasabi sila
kasi nga tayo din naman mismo ang nagtatago.
Pangatlo, hindi tayo aabot sa ganon
kung naging maingat tayo sa pag gamit ng card.
Kaso, umabot na tayo sa
ganong senaryo kasi…

NAG FEELING TAYO NA MAY AVAILABLE BUDGET

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Sa sobrang saya natin makita
na malayo pa tayo sa ating credit limit,
hanggat ina-accept pa ng mga cashiers,
‘kala natin iyon din ang ating available money.
Eh kaso hindi naman ganon.
Utang yon kada swipe.
Not unless kaya natin bayaran yung pinurchase.
But if not, UTANG yun. UTANG.
Hindi sa atin. HIRAM lang sa bangko.

Kaya tuloy pagdating ng billing statement,
hindi na natin alam saan kukunin
Kasi unang una, wala naman talaga sa budget.

TAKAW TINGIN

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“Uy may sale!”
“OMG! 50% off!
“Parang kailangan ko ito”
“Magagamit ko ito pramis!”
Ayun dahil sa pagiging takaw tingin
eh nadala tayo sa mga nakikita natin.
Eh tapos wala rin naman tayong cash
kaya si credit card ang ating sandigan.
Feeling kasi natin lahat kailangan natin.
Yung mga damit nga natin at sapatos
biglang naluluma eh. Haha.
Yung cellphone natin, biglang nasisira.
Kesho, sira ang screen, bagal magcharge,
hindi nababasa yung sim card, etc.
‘Di dahil totoo, kundi dahil,
ginagawan na lang natin minsan
ng storya, ma-justify lang ang ating pagbili.
Kapag nakakita tayo ng gusto natin,
nagiging impatient tayo bigla.
At ang masaklap para mag…

PAYABANG LANG

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“Guys may new phone na ‘ko”
“Nabili ko na yung bag katulad dun sa artista”
“Nag shopping lang naman ako kahapon”
Signal no. 5 na sa kayabangan
para lang maging bida sa mga kaibigan.
At dahil may inaalagaan na “image”,
ayun, always trying hard to keep up.
Kahit walang wala na,
swipe all the way pa rin
para ‘di masira sa mga kamag-anak at kaibigan.

“Kapag ginamit ang credit card para magyabang, tiyak utang ang kababagsakan. Dahil pinipilit nating magmukhang mayaman pero no budget naman.”
-Chinkee Tan, Filipino Motivational Speaker

THINK. REFLECT. APPLY.

• Palagamit ka ba ng credit card?
• May available budget naman ba o wala?
• Paano mo kokontrolin ng maayos para ‘di mabaon sa utang?
  

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