Single Blog

Credit Card Now, Pulubi Later

MAS MABUTI NANG MAGBAYAD IN CASH

Wow! 12 months of zero-interest, i-charge na sa credit card ‘yan!
Swipe, walang aray.
Timing! May 50% sale today, i-charge sa credit card.
Swipe, walang aray.
Grabe! May piso fare at last day today, i-charge sa credit card.
Swipe, walang aray.

Pero pagdating ng billing statement, ARAAAYYY!!!

Using a credit card is the easiest and most painless way of spending money, dahil hindi mo siya mararamdaman.

  • Walang masama sa pagkakaroon ng credit card, lalo na kung nababayaran natin ito ng buo on or before its due date.
  • Walang ring masama sa pagkakaroon ng credit card, lalo na kung hindi utang ang ibinabayad natin para dito, at…
  • Walang masama kung ime-maintain natin ito, basta responsable tayo at marunong mag-control.

Credit card – maliit na bagay, pero napakalaking epekto ang ginagawa sa ating finances.

Saan ba nag-uumpisa ang problema natin pagdating sa paggamit ng credit card?

WHEN YOU GIVE IN TO TEMPTATION

Ginagamit ang credit card kahit alam ng iba na wala naman sila sa budget. Bahala na si Batman, basta makuha lang ang gusto.

Nagpapalakas ng loob natin ang gumamit, ‘yung feeling kasi na may pera kahit walang hawak na cash. Mabilis bumigay sa tukso, lalo na kung may credit card.

WHEN YOU SHOP WITH EMOTIONS

“Hay, nakakapagod ???tong linggong ito. Makapag-shopping nga.”
“I am so disappointed and sad today. I need to go to the mall.”
“3% interest lang? Sige, bahala na. Kaya ko naman siguro.”

Kasiyahan, kalungkutan, excitement, depression – lahat ito, we tend to associate it with shopping and using our credit cards kahit wala naman tayong pera.

Ang tendency, swipe all you can!

When we???re feeling overwhelmed, let’s pause for a while at pag-isipan muna ang mga susunod na hakbang. Remember that we can always overcome these emotions by taking deep breaths, praying, taking a long hot bath, at marami pang iba without spending too much.

WHEN YOU PAY ‘AFTER’ THE DUE DATE

The word, ‘after’ – ‘yan talaga ang kadalasang dahilan kaya ang ibang tao ay baon sa utang. Imbis na mabayaran nang buo, nadadagdagan lang ito ng interest dahil late tayo nakakapagbayad.

Late nakakapagbayad kasi…

  • Wala naman talaga tayong budget para sa binili.
  • Meron pang utang sa iba kaya hindi nakabayad.
  • Nahihirapan maghanap ng taong mauutangan.

Kaya friendship, para hindi magka-problema sa paggamit ng credit card…

USE IT WISELY & RESPONSIBLY.

Make sure na sa bawat swipe, kaya natin itong bayaran at may budget tayo para dito.

USE IT ONLY FOR NEEDS.

Don???t cave into your desires by buying the things you only want, but don???t really need.

USE IT ONLY FOR CONVENIENCE’S SAKE.

Make sure that you have the capacity to pay everything in full.

THINK. REFLECT. APPLY.

Meron ka bang credit card ngayon? Kung meron, ilan?
Ginagamit mo ba ito lagi, maski sa mga bagay na hindi mo kailangan?
Baon ka na ba sa utang dahil sa patong-patong na interest?
Are you willing to make a change para makalabas ka na sa pagkakautang?

Comments (0)

Smart Money Habits vs. Poor Money Habits

Hi there, Mr. Chink Positive here.

I have recently released a book entitled Raising Up Moneywise Kids. If you haven’t checked it out yet, you can do so here.

Now, feel free to download my free guide on how to know smart money habits from poor money habits, which I believe can help you not just in raising moneywise kids, but also in your own financial disciplines and personal financial life. After all, your financial habits determine your financial life.
I want to read it!
FEATURED DOWNLOAD -

HOW I MADE MY 1ST MILLION

What if there was a book that gave you the opportunity to earn a million pesos? Will you grab the chance or will you let it pass you by?
The choice is in your hands.

Highly regarded businessman-turned-wealth-coach, Chinkee Tan, has more than a decade’s worth of business experience under his belt. Chinkee Tan has helped fifty Filipinos earn their first million and YOU can be the next one.
DOWNLOAD NOW
FEATURED DOWNLOAD -

For richer & For Poorer

No one wants to stay poor and penniless. There are lots of books out there that talk about just that – getting rich and getting rich fast. Books authored by successful businessmen and motivational speakers that try to convince us that their advice is the best way to get rich. Becoming a millionaire has become one of the main goals of most people.

I’ve found that, while ther is no fool-proof way to get rich, there are some principles that we can learn that will definitely increase our chances of getting rich. My goals in writing this book are to Inform, Educate, and Motivate. Finally, it is also my goal to Disturb you.
DOWNLOAD NOW
FEATURED DOWNLOAD -

TILL DEBT DO US PART

RENEW and Change your mindset to chink positive 
REFOCUS your PERSPECTIVE to look at the positive not on the negative. 
OVERCOME trials, hardships, failures, challenges or even depression. 
Change your old habit into a NEW HABIT for a NEW YOU 
Create your VISION, your STRATEGY and your ACTION PLAN to turn your dreams into a reality. 
To be INSPIRE and be EMPOWERED so that you also inspire and empower others.
DOWNLOAD NOW
FEATURED DOWNLOAD -

SECRETS OF THE RICH AND SUCCESSFUL

Let’s face it, everyone wants to become rich. Some have even dedicated their lives to pursue riches, making it part of their lifelong dream.

But here’s one important thing we need to understand: money is just a means to something, but it is never the end. In other words, money is merely a tool to buy something.
DOWNLOAD NOW