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Pagpapautang Now, Pulubi Later

piliin ang pahihiramin kaysa pautang galore now pulubi naman later

“Friend, may extra ka ba diyan?”
“Uy! Baka meron kang pwedeng ipahiram sa akin, gipit lang kasi ako ngayon.”
“Huwag kang mag-alala, babayaran ko ito kaagad.”

Sanay na ba kayong makarinig ng mga ganyang linya?
Sa kakapahiram mo ba, nawawalan ka na sa huli?
Ayos lang naman tumulong at magpautang.
Pero ang masama, kung ito ay labis-labis.

Minsan, inaabuso na ng iba ang iyong kagandahang-loob.
Bakit ba hindi maganda ang pagpapautang?

WALANG OPEN-ENDED TERMS

“Babayaran kita ‘PAG MAY PERA NA AKO.”
“Ibabalik ko agad sa’yo PAGDATING NG SWELDO KO.”
“Hayaan mo, KAPAG NAGKATRABAHO NA AKO, ibabalik ko sa’yo agad.”

Ano ba ‘yung open-ended? Ito ‘yung sisimulan ang isang bagay, pero walang kasiguraduhan kung kailan ito matatapos o magwakakas.

In this case, hindi natin alam kung kailan tayo babayaran ng mga pinautang natin. It may also mean na pwedeng magbago ang pangako, depende sa sitwasyon.

Halimbawa:

  • Biglang nawalan ng pera kaya next week na lang.
  • Biglang walang budget, kaya sa susunod na lang.
  • Biglang nawalan ng trabaho, kaya ‘pag nakahanap na lang.

WALANG SENSE OF URGENCY

Ang mga pinapautang natin, usually, they have no sense of urgency. Since kaibigan natin sila o kamag-anak, masyado sila nagiging kampante na okay na munang hindi sila magbayad – thinking that we understand their situation.

“Okay lang ‘yun. Close naman kami ‘nun.”
“Sabi naman niya anytime, eh.”
“Maiintindihan naman siguro ako ‘nun.”

Kapag hindi sila nagmamadali, nade-delay at nade-delay din ang bayad nila sa atin at their most convenient time – habang tayo ay nahihilo na sa kakaisip kung paano uli kikitain ‘yung pinahiram natin.

NAPAKAHIRAP O NAKAKAHIYANG MANINGIL

Sabi nga, walang problema ‘pag nanghihiram. Pero noong nagkakasingilan na, sila pa minsan ang galit.

“Baka pwede mo nang bayaran ang utang mo sa akin last year.”
“Anong utang?! Bayad na ako sa’yo, noh.”

“Kailan ko kaya pwedeng makuha ‘yung hiniram mo? Gipit din kasi ako.”
“Hindi ba sabi mo anytime, tapos mamadaliin mo ako ngayon?”

So tayo, para hindi masira ang relationship, we tend to step back a little o pinapalipas na lang dahil sa takot natin sa kanila at sa magiging reaksyon nila. Ayaw natin masigawan, baliktarin, o mapahiya at some point.

Kaya ang nangyayari tuloy, parang pinakawalan na rin natin ng tuluyan ang pera natin.

TAYO ANG NABUBUHAY SA STRESS

We become a servant sa mga pinautang natin.

Hindi man ngayon, pero darating ang panahon na it will be a habit – habit nila manghiram, habit din nating magpahiram.

Imbis tuloy na magamit natin ang pera natin sa ibang bagay at para makaipon tayo ng para sa sarili natin, para bang feeling natin ay kasama na sila sa responsibilidad natin.

Responsibilidad kung saan mahirap makawala.

THINK. REFLECT. APPLY.

Sinu-sino ang mga pinapautang mo?
Bakit ka nagpapautang?
Anong gagawin mo para makatulong sa ibang paraan nang hindi ikaw ang nagigipit?

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