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WAIS SA CREDIT CARD

March 2, 2020 By chinkeetan

Huwag umutang para lang sabihin na nakaangat na sa buhay. Dahil pagiging masinop sa pera ang totoong sikreto ng tagumpay.

Bakit nga ba maraming nalulubog sa utang sa credit card?

In this blog I will share with you some tips on how to handle credit card payments mula sa mismong karanasan ni Ms. Bianca Gonzales-Intal.

CHECK YOURSELF

Syempre mahalaga yung kakayahan mo mismo na bayaran ang utang. Kasi halimbawa ang income mo is 10K then ang ginagamitan mo ng card ay halos 10K na rin.

O paano pa yung mga cash outs mo? In short, dapat mas mababa yung ginagamitan natin ng credit card sa actual income natin.

NEEDS VS. WANTS

Kailangan alamin natin kung kailangan nga ba talaga natin ang purchase na ito or gusto lang natin. Because we need to prioritize yung needs versus the wants.

Hindi income ang mag-a-adjust sa ‘tin. Tayo dapat ang nag-a-adjust sa income natin. Kung kailangan magbawas sa gastusin, dapat gawin ito para hindi malubog sa utang.

PAY IN FULL

Mahirap kasi na babayaran lang yung minimum na sinasabi ng bank. Napaka-tempting pero hindi ito smart way kasi mas mataas pa ang interest na pinapatong ng bank kaysa sa interest na nakukuha natin mula sa annual savings natin sa bank.

Kaya naman kung wala talagang pambayad para sa isang malakihang purchase, pag-ipunan na lang muna. Kaysa naman sa bumili ng mamahaling gadget o kung ano man na purchase pero ‘di naman kakayanin ang bayarin buwan-buwan.

Tandaan:

“Huwag umutang para lang sabihin na nakaangat na sa buhay. Dahil pagiging masinop sa pera ang totoong sikreto ng tagumpay.”
–  Chinkee Tan, Filipino Motivational Speaker

THINK. REFLECT. APPLY. 

  1. Anu-ano ang mga paraan para ma-budget mo ang sahod mo?
  2. Nababayaran mo ba nang full ang iyong credit card due?
  3. Bakit mo kinailangang magpurchase gamit ang credit card?

Watch this video:

Ang Sikreto Sa Tamang Paggamit ng Credit Card Ibubunyag Ng Celebrity

https://youtu.be/0wNCubfCFK0 

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Filed Under: Finance, Financial Literacy, Motivational 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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