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Sagad Ka Na Ba?

YOUR WILLINGNESS TO PAY UPS YOUR CHANCES OF

BFF na kayo ng credit card agent na laging tumatawag sa iyo.

Ang sahod mo at lahat ng kinikita mo ay napupunta lang sa kakabayad ng utang.

Hindi ka na makatulog sa gabi, trying to think how you???ll end up paying off debts that have already piled up.

Kahit itaktak, pigain, at kurutin, wala ka na talagang mailabas na pera.

Nakaka-relate ka ba? Ang malubog sa utang ay talaga namang tragic. Hassle. Masakit sa bangs.

Gustuhin mo man magbayad, wala ka na talagang ibubuga.

Kapag nasa ganitong sitwasyon ka at wala ka na talagang pambayad sa mga utang mo, ano kaya ang mga options? May I suggest you try doing the following?

MAG-BUDGET

If you already have a budget, para ka na ring may battle plan. Evaluate and reconstruct, if you must. Explore ways to reduce spending and expenses. If possible, find ways to boost your income, then revise your budget accordingly.

Kung kinakailangang mag-cut costs, do it. Make it a priority na makabayad muna ng utang. Isnabin muna ang mga wants at other luho. At kung wala ka pang budget, I suggest you watch the video here: http://moneykit.com.ph.

MAKIPAG-BARGAIN

Tumawad ka to the core. Makipag-usap ka sa pinagkakautangan mo at aminin mong hindi mo pa kaya or hindi mo na kayang magbayad. Huwag tayong dedma at lalo, huwag tayong magtago. For instance, P10,000 ang utang mo. Makiusap ka kung pwede itong bawasan to increase your chances of being able to pay it off. Debt settlement, in general, allows you to negotiate with creditors (or collection agencies) to reduce the amount you owe, so you can pay something and get back on your feet.

MAGPA-COUNSEL

Look for a personal finance expert and seek his or her professional counsel. Tanungin kung anong magandang strategy ang pwedeng gawin para mabawasan at maubos ang mga utang mo. Lahat ng pwede mong itanong at gusto mong malaman, sabihin mo sa kanya.

MAKIPAG-NEGOTIATE

Madalas, nalulubog tayo sa utang dahil sa malaki at patong-patong na interes. Harapin mo ang mga pinagkakautangan mo at makipag-areglo ka. Let them know kung hanggang kailan mo kayang bayaran ang utang mo. For example, makiusap ka na baka pwedeng 1 year to pay ‘yung 10k at maghuhulog ka ng P833 monthly.

Hindi totoong “sagad ka na”. Meron at merong paraan para makaahon sa utang. Kaya huwag kang mawawalan ng pag-asa o panghihinaan ng loob. If there’s utang, you can always find a way to pay off your debt.

THINK. REFLECT. APPLY.

Sagad na sagad ka na ba?
Ano sa mga steps na ito ang tingin mong magwo-work para sa iyo?
Nasubukan mo na bang humingi ng tulong sa isang financial expert?

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