Wow! 12 months of zero-interest, i-charge na sa credit card ‘yan!
Swipe, walang aray.
Timing! May 50% sale today, i-charge sa credit card.
Swipe, walang aray.
Grabe! May piso fare at last day today, i-charge sa credit card.
Swipe, walang aray.
Pero pagdating ng billing statement, ARAAAYYY!!!
Using a credit card is the easiest and most painless way of spending money, dahil hindi mo siya mararamdaman.
- Walang masama sa pagkakaroon ng credit card, lalo na kung nababayaran natin ito ng buo on or before its due date.
- Walang ring masama sa pagkakaroon ng credit card, lalo na kung hindi utang ang ibinabayad natin para dito, at…
- Walang masama kung ime-maintain natin ito, basta responsable tayo at marunong mag-control.
Credit card – maliit na bagay, pero napakalaking epekto ang ginagawa sa ating finances.
Saan ba nag-uumpisa ang problema natin pagdating sa paggamit ng credit card?
WHEN YOU GIVE IN TO TEMPTATION
Ginagamit ang credit card kahit alam ng iba na wala naman sila sa budget. Bahala na si Batman, basta makuha lang ang gusto.
Nagpapalakas ng loob natin ang gumamit, ‘yung feeling kasi na may pera kahit walang hawak na cash. Mabilis bumigay sa tukso, lalo na kung may credit card.
WHEN YOU SHOP WITH EMOTIONS
“Hay, nakakapagod ‘tong linggong ito. Makapag-shopping nga.”
“I am so disappointed and sad today. I need to go to the mall.”
“3% interest lang? Sige, bahala na. Kaya ko naman siguro.”
Kasiyahan, kalungkutan, excitement, depression – lahat ito, we tend to associate it with shopping and using our credit cards kahit wala naman tayong pera.
Ang tendency, swipe all you can!
When we’re feeling overwhelmed, let’s pause for a while at pag-isipan muna ang mga susunod na hakbang. Remember that we can always overcome these emotions by taking deep breaths, praying, taking a long hot bath, at marami pang iba without spending too much.
WHEN YOU PAY ‘AFTER’ THE DUE DATE
The word, ‘after’ – ‘yan talaga ang kadalasang dahilan kaya ang ibang tao ay baon sa utang. Imbis na mabayaran nang buo, nadadagdagan lang ito ng interest dahil late tayo nakakapagbayad.
Late nakakapagbayad kasi…
- Wala naman talaga tayong budget para sa binili.
- Meron pang utang sa iba kaya hindi nakabayad.
- Nahihirapan maghanap ng taong mauutangan.
Kaya friendship, para hindi magka-problema sa paggamit ng credit card…
USE IT WISELY & RESPONSIBLY.
Make sure na sa bawat swipe, kaya natin itong bayaran at may budget tayo para dito.
USE IT ONLY FOR NEEDS.
Don’t cave into your desires by buying the things you only want, but don’t really need.
USE IT ONLY FOR CONVENIENCE’S SAKE.
Make sure that you have the capacity to pay everything in full.
THINK. REFLECT. APPLY.
Meron ka bang credit card ngayon? Kung meron, ilan?
Ginagamit mo ba ito lagi, maski sa mga bagay na hindi mo kailangan?
Baon ka na ba sa utang dahil sa patong-patong na interest?
Are you willing to make a change para makalabas ka na sa pagkakautang?
Chinkee Tan is a famous motivational speaker in the Philippines. He specializes in topics such as personal development, building and strengthening relationships and financial management to name a few. To this day, he continues to inspire thousands of people through his books, free business seminars in the Philippines, social media and being invited to be a motivational corporate speaker to different organizations.
Did you enjoy this article? Here are some more related posts:
- HOW TO USE YOUR CREDIT CARD WISELY
- PAANO KO MABABAWI YUNG ATM CARD KO?
- SHOPPING NOW, PULUBI LATER
====================================================================
Are you having a hard time saving money? Do you want to know the best ways to save money and how to save money fast? Are you willing to take money saving challenges so that you can manage your finances?
Become an Iponaryo this year and sign-up for Ipon Pa More event here,