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KUNG NAGSASALITA ANG IYONG CREDIT CARD, ANO KAYA SASABIHIN NIYA?

September 29, 2018 By chinkeetan

credit card

Last week, nung nakikinig ako ng radyo,
merong segment doon where they asked their followers
to comment about this question:

“If your credit card can talk, what would it say?”

Nakatatawa lang isipin na “Oo nga noh?”
Paano kung totoo?
Ito kasi yung isang bagay na talaga namang
gamit na gamit nating mga Pilipino.

Ginagamit natin pang swipe, pang bayad,
online payment sa shops, at kung anu-ano pa.

Kung baga, kung siya ay isang tao, malamang eh
pagod na pagod na ito sa dami ng
activities na ginagawa nito.

Kaya tuloy makikita natin, natatanggal na yung
plastic cover nito, hindi na ma-read sa
tuwing gagamitin, at kailangan pa punasan
o hipan para ito’y gumana.

Ganon ito ka-busy.

Pero what if nga nagsasalita ito,
siguro ito yung mga gusto niyang sabihin sa atin:

“PAGOD NA PAGOD NA AKO SA ’YO” credit card

credit card(Photo from this Link)

Gaya nga ng sinabi ko kanina,
laspag na laspag na ito.

Biruin mo, sa bawat shopping at kain-kain
natin sa labas, hala sige,
walang humpay sa pagkaskas.

Ang maganda “DAW” kasi sa credit card,
akala natin minsan pera natin ang ginagasta natin.

“Uy ang laki ng credit limit ko!”
“At 3% lang per month? Pwede!”
“Sarap gumasta!”

But to tell you the truth,
CREDIT CARD IS JUST A TOOL.
Hindi natin pera iyan.

Unless we have available money
to pay it in FULL then it’s okay, pero,
kung swipe ng swipe tapos minimum lang
ang ating binabayaran, ibig sabihin,
wala tayong available cash.

At ibig sabihin, may utang pa tayo sa bangko.
Kaya ingat ingat din sa pag gamit,

Huwag natin pagurin na it’s as if
unlimited ito — because it’s not.

“UY, PAGPAHINGAHIN MO NAMAN AKO”

credit card(Photo from this Link)

What do we mean by “pagpahingahin”?
Give it some space. Huwag laging credit card.

Kapag tayo ay aalis, we can just bring enough cash
then iwan na natin ito sa bahay kasi
mate-tempt lang tayo na gamitin ito ng gamitin.

“Eh Chinkee, baka delikado magdala”
“Malaki kasi masyado kung nasa bag ko lahat”

Kung delikado at masyadong malaki,
deposit your AVAILABLE CASH then
just bring your debit card sa iyong pupuntahan
because this is GOOD as CASH.

Nang sa gayon, ang magagalaw lang natin
ay yung dineposito natin, walang labis,
walang kulang kumpara sa credit card.

“BAKIT HINDI KA MAKUNTENTO SA AKIN?”

credit card(Photo from this Link)

Na-experience n’yo na ba o may kilala ba kayong
pagkarami-raming credit card sa wallet?
Yung kapag hinanapan, parang nagbubuklat ng libro
sa daming pagpipilian?

Hirap maka decide kasi iisipin kung:
“Alin ba rito yung hindi pa nasagad ang limit?”
“Alin ba rito yung hindi pa due date?”

Kaya ang tanong ng credit card, bakit hindi tayo makuntento?
Yung iba, dahil…

  • Maganda ang freebies + libreng payong
  • Walang annual fee
  • Mataas ang credit limit
  • Mababa ang interest
  • ID lang ang requirement

I get it. It is really tempting, and for me,
wala namang masama magkaroon nito.
Maski naman ako ay may credit card.

But before getting one, two, or three for ourselves,
let us think first kung BAKIT TAYO KUKUHA?

Kasi mamaya maganda nga ang offer PERO
hindi naman natin alam ang tunay na purpose nito
at kung paano ito gamitin.

Masaya lang sa una pero sa dulo, nako kapatid,
tayo lang ang maiipit sa utang kapag wala tayong kontrol.

“Hindi masama magkaroon ng CREDIT CARD.
Pero bago tayo kumuha o bago natin ito gamitin, isipin muna kung ito ba
ay talagang kailangan o magiging sanhi lang ng pagkalubog sa utang.”

THINK. REFLECT. APPLY.

  • Ikaw ba ay merong credit card? Ilan?
  • Responsable mo bang nagagamit ito?
  • Paano mo ito pakakaingatan para hindi malubog sa utang?

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Filed Under: Credit Card, Finance, Financial Literacy Tagged With: Chink Positive, Corporate Keynote Speaker, Corporate Speaker, Corporate Trainer, Diary of a Pulubi, Famous Filipino Speakers and their Speeches, Famous Speakers in the Philippines, Filipino Motivational Speaker, Free Business Seminars Philippines 2017, Ipon Diary, ipon kit, moneykit, Motivational Corporate Trainer, Motivational Keynote Speaker, Motivational Speaker Philippines, My Ipon Diary, Pulubi

Chinkee Tan

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