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HOW TO USE YOUR CREDIT CARD WISELY

May 30, 2017 By chinkeetan

Ano ang impression mo sa credit card, mabuti or masama?

In reality, a credit card is neutral in nature.

It can be both good or bad, depende sa taong gumagamit.

GOOD, if you USE IT WISELY.

BAD, if you GET INTO DEBT and get into FINANCIAL STRESS.

Now if you own a credit card or are planning to have one, let me share with you some practical tips on how to use it wisely.

SPREAD OUT THE COST

Marami ang nago-offer ng ZERO percent interest para sa ilang buwan.

Kung BIGLANG bumigay na ang pinakamamahal mong electric fan ngayong summer at may sale na zero percent interest for three months for credit card payment, then having a card will be very HELPFUL para makabili ka agad at hindi ka mag-suffer during summer.

Maliban dun ay meron ka pang makukuhang …

REWARDS

Kapag ang pagbabayad mo ay through a credit card, makakaipon ka ng reward points na pwede mo magamit IN EXCHANGE of something useful na available sa list ng bank or card company.

Merong rewards like free meal sa isang restaurant, o kaya appliances at maging travel perks.

Aside from the different rewards, it also offers …

CONVENIENCE

Kapag may kailangan kang bilhin na medyo mahal, card na lang ang bibitbitin mo at hindi mo na AALALAHANIN ang pagdadala ng malaking halaga ng cash.

Hindi ka na din MAGHAHANAP ng ATM para lang kumuha ng cash.

Pero kailangan pa din to take note of the DISADVANTAGES of having a credit card para din aware ka sa mga posibleng mangyari kapag hindi mo na-manage ng mabuti ang paggamit nito.

If you can pay your credit on time, wala tayong pag-uusapan.

Pero dahil karamihan ay hindi DISIPLINADO sa paggamit, kaya hindi fully ma-enjoy ang mga ADVANTAGES nito.

Ang isang disadvantage ay ang risk to …

OVERUSE IT

Hindi kasi agad NAMAMALAYAN yung gastos kaya may mga tao na napapasarap ang pagswa-swipe.

Kahit HINDI naman talaga kailangan ay bibilhin pa din ang isang bagay by using credit card, kaya LUMULOBO ang bill.

May mga tao na hirap sa SELF-CONTROL pagdating sa paggastos and it’s recommended na mag-cash na lang kung alam mo sa sarili mo na hirap ka sa aspetong ito.

Remember, huwag mong labanan ang TUKSO. Layuan mo na lang dahil madami na ang naging BIKTIMA niyan.

At yung mga nabiktima ng temptation pagdating sa paggastos, ang kinahihinatnan ay ang …

BAD DEBT

Okay lang ang gumamit ng credit card kung ikaw ay DISIPLINADO sa paggamit at sa pagbayad.

Pero kung ito ang magiging mitsa patungo sa isang STRESSFUL LIFE dahil sa pagkakalubog sa utang, then it is WISER kung hindi mo na ito gagawing parte ng iyong lifestyle.

At sa totoo lang, sobrang dami na ang nagkaroon ng BAD DEBT dahil sa credit card.

Nandun kasi yung pagkakataon na ikaw ay nakakabili nang hindi AGAD nararamdaman ang bigat ng gastos.

At the end of the day, ang pagiging mabuti o masama ng credit ay nasa TAO at hindi yan dahil sa pagkakaroon ng credit card.

Di ba may mga taong may utang din naman kahit walang credit card?

“The purpose of a CREDIT CARD is for CONVENIENCE not for INCONVENIENCE.”

-Chinkee Tan, Top Motivational Speaker Philippines

THINK. REFLECT. APPLY.

  • Pinag-iisipan mo bang kumuha ng credit card?
  • Sa tingin mo ba ikaw ay disciplined enough to manage your credit card expenses?
  • Do you think ikaw ay magiging wise sa paggamit ng credit card?

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, 

https://chinkshop.com/



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Filed Under: Debt, Financial Literacy Tagged With: Chinkee Tan, Financial Speaker Philippines, Leadership Speaker Philippines, Personality Development Speakers Philippines, Top Motivational Speaker Philippines

Chinkee Tan

Wealth Coach

Hi my name is Chinkee Tan, and my goal is to help you become financially wealthy and debt-free!

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