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MONEY TRAPS

February 29, 2020 By chinkeetan

Dapat partner kayong mag-asawa sa pagdedesisyon, lalo na sa pera dahil ito ay isang malaking obligasyon.

Naranasan n’yo na ba yung nagtataka kayo kung saan na napunta ang mga sinasahod ninyong mag-asawa? O kaya naman padating pa lang ang sweldo parang bigla na lang nauubos agad?

Alamin ang mga money traps na kailangan iwasan ng mga couple upang hindi mauwi sa pag-aaway at pagkalubog sa utang.

ZERO DOWNPAYMENT PLANS OR PROGRAMS

Ito yung makikita ninyo na wala namang downpayment o kaya zero interest kapag ginamitan ng card. Ang kaso, hindi n’yo rin namamalayan na yung monthly fee ay hindi n’yo pala kayang bayaran.

Madali lang mag-swipe, pero mahirap magbayad ng long-term installments. Kaya naman, if you want to buy something, buy it in cash. If you cannot afford it, don’t buy it. 

Pag-ipunan muna ito at paghandaan then saka na bilhin. Pero kung talagang kailangan at may babalik naman na kita at kayang bayaran ang utang, pwede ring gamitan ito  ng card.

FREE TRIALS

Ito naman yung mga subscriptions o kaya naman mga apps na sa simula ay may 30-day free trial. Then after certain days, mawawala na yung free trial.

Ang magiging kaso naman dito, mahu-hooked ka dito kaya pagkatapos ng free trial ay talagang mapapa-subscribe ka na o kaya naman ay mapapa-upgrade ka ng gamit mo.

PAYDAY LOANS 

Ito yung malupit kasi wala pa yung sweldo, pero umuutang na. So pagdating ng sweldo, wala na agad pera kasi naka-allot na pambayad. 

Ang nagiging problema dito ay kapag may “unexpected financial emergency” like may nagkasakit, nasira sasakyan, etc. Dun napupunta yung sweldo kaya yung utang hindi nababayaran. 

Ang ending, mababaon sa utang at ang worst pa ay magpatung-patong ang  mga ito. Kaya dapat ay magtutulungan kayo sa pagbadyet at paghandle ng pera.

“Dapat partner kayong mag-asawa sa pagdedesisyon, lalo na sa pera dahil ito ay isang malaking obligasyon.”

–  Chinkee Tan, Filipino Motivational Speaker

THINK. REFLECT. APPLY. 

  1. Anu-ano ang mga naranasan ninyong money trap?
  2. Paano n’yo nalampasan ito?
  3. Ano ang natutunan n’yo mula sa karanasan na ito?

Watch this video:

Top 3 Money Traps That Couples Should Avoid

https://www.youtube.com/watch?v=Wv6TzBLXSs8

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Filed Under: Family, Inspirational, Marriage, Marriage and Money 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

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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