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GOOD BYE, CREDIT CARD!

January 17, 2020 By chinkeetan

Huwag mong gawing debit card ang credit card, kung ayaw mong magmukhang haggard.

Shopping Shopping Shopping! Lol! Januaryna, ngayon na yung bayaran ng mga pinamili gamit ang credit card nung December!

Kumusta naman? Nabayaran ba ito o yung minimum amount lang? Naku mga KaChink, huwag gawing habit ang paggamit ng credit card kung hindi naman pala mababayaran nang full ang bayarin.

Anu-ano ba ang mga signs na dapat mo nang ipa-cut ang credit card?

WALANG CONTROL SA PAMIMILI

Kung sa isang buwan, halos maubos mo na ang tinda sa online shop ng kaibigan mo o kaya naman lagi kang laman ng weekend sale, mas kailangan mo nang iwanan ang credit card.

Mas tempting kasi kapag may credit card dahil hindi agad nararamdaman ang bayarin dahil nakuha mo na agad ang item, pero sa susunod na buwan, surprise na! ‘Di pala pasok sa budget.

Pati sa pagkain, mahilig pang manlibre sa ibang mga tao. Masabi lang na nakakaangat na sa buhay kahit

HINDI SAPAT ANG KINIKITA

Basta makasama lang lagi sa lakaran ng mga barkada, go na go! G na G. Lol!

Kahit maganda ang offer ng bank company, mahalaga pa rin na alam natin kung hanggang saan lang ang maaari nating utangin.

Pwedeng gamitin ang credit card sa pang-ikot sa negosyo dahil may babalik na kita, pero kung puro palabas lang ang gamit ng credit card at hindi naman mababayaran nang full, magiging problema lang ito.

Tandaan na hindi solusyon sa isang problema ang isa pang problema kaya naman kung

WALANG DISIPLINA

Magandang simulan muna ang pag-iipon. Halimbawa kung may gusto kayong bilhin na laptop, kung hindi sapat ang cash, magtabi ng pambili rito kada buwan.

Imbes na bayaran natin ito buwan-buwan, ipunin na muna ito kada buwan at saka bayaran ito nang buo kapag nakaipon na. Mahalaga dito ay matutunan ang pagkakaroon ng disiplina.

Dahil kung basta na lamang kukuha ng credit card at hindi naman pala alam kung paano ito gamitin, stress lang ang maidudulot nito sa buhay. Kaya naman

“Huwag mong gawing debit card ang credit card, kung ayaw mong magmukhang haggard.”

 – Chinkee Tan, Filipino Motivational Speaker

 

THINK. REFLECT. APPLY. 

  1. Madali ka bang mabentahan ng kung anu-ano?
  2. Hirap ka bang mag say ng “no” sa ibang tao?
  3. Hindi mo ba alam kung paano mag-budget?

A PROVEN and TESTED GUIDE to help you navigate and start your savings journey.

Kaya naman we are launching the Ipon Pa More Kit to help you become a better Iponaryo. Meron ka nang Ipon Kit, meron ka pang one year access to my mentoring course sa ChinkTV.

Available in Digital for only 899 instead of 1,098 (Ipon Kit Digital + IponPaMore Online Course)

Click here to order: https://lddy.no/8wsr

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Filed Under: Finance, Financial Literacy, Money, Motivational, Personal Development 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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Hi my name is Chinkee Tan, and my goal is to help you become financially wealthy and debt-free!

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