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NAKAKAHIYA ANG HINDI MAGBAYAD NG UTANG

January 14, 2018 By chinkeetan

utang

Hirap ka ba magbayad ng iyong utang?

Nakakailang subok ka na pero waley talaga?

 

Baka naman dahil sa…

  • Excessive buying?
  • Poor budgeting? or
  • Lack of financial wisdom?

…kaya madalas ang default mode

natin ay tumakbo sa mga lending companies

o kaya ay mangutang sa mga malalapit na kamag-anak

at trusted close friends.

 

Kasi naman…

Gastos dito, gastos doon.

Ang kabuuan ng sweldo

ay nagiging palabas imbis na papasok.

 

Kung ganito natin patakbuhin ang ating finances,

ay talagang hindi tayo makakapagbayad mga KaChink.

Dahil we are…

 

PRIORITIZING NEGOTIABLES OVER NON-NEGOTIABLES

utang

(Photo from this Link)

Madalas ay napagbabaliktad ang negotiables at

non-negotiables na priorities natin.

 

For example, ang hygiene kit ay naipagpapalit sa

isang makeup kit to sustain a kilay on flick.

Imbis na makatipid, gumastos pa lalo.

 

Ang simpleng pagkain nagiging fine dining or

dinner dinner with friends.

Kaya napipilitang maglabas maski wala sa budget.

 

Madalas, sa kagustuhang mag-improve ang self-image

o makisabay sa mga kasamahan ay hindi na naiisip kung 

ano ang pu-pwedeng maging resulta ng

mga ilang mahahalagang desisyon sa buhay.

 

PROCRASTINATION

utang

(Photo from this Link)

May mga pagkakataong bumabalik tayo sa “mañana” habit.

Minsan ay nagiging kampante dahil hindi pa naman

deadliest deadline ng bills.

 

Kaya ang ending?

Naipanggagastos sa ibang bagay ang nakalaan sa

pambayad dapat ng utang.

Pati ang self-discipline on handling wealth ay

tila naglaho na rin.

 

NATATABUNAN NG UTANG ANG ISA PANG UTANG

utang

(Photo from this Link)

Dahil na-mismanage ang priorities at napanggastos

ang dapat na pambayad ng utang, ay muling

mangungutang para may panggastos. 

Cycle na lang.

 

Walang masama kung sa susunod na swelduhan babayaran.

Ang problema lang ay hindi pa nababayaran ang

unang inutang, nadagdagan na naman ng panibago.

 

Kung magiging ganito ang sistema ng inyong finances,

mahihirapang makaahon sa pagkakautang.

 

“Utang ay bayaran muna kaysa sa muling uutang at mahihirapan nang mabayaran.”

-Chinkee Tan, Filipino Motivational Speaker

 

THINK. REFLECT. APPLY.

  • Ano ang struggles mo sa hindi pagbayad ng utang?
  • Kailangan mo na bang isuko ang mga ito at matutong i-manage ng tama ang pera?

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Filed Under: Challenges, Debt, Financial Literacy Tagged With: Corporate Keynote Speaker, Corporate Speaker, Corporate Trainer, Famous Filipino Speakers and their Speeches, Famous Speakers in the Philippines, Filipino Motivational Speaker, Free Business Seminars Philippines 2017, Motivational Corporate Trainer, Motivational Keynote Speaker, Motivational Speaker Philippines

Chinkee Tan

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