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Sagad Na! Ubos Na! Said Na!

Bakit Kung Sino Pa Ang May Utang Siya Pa Ang May Ganang Magalit

Naranasan mo na ba ang mga ito?
Ang gumigising sa’yo sa umaga ay yung mga text messages na nangongolekta sa iyong pagkakautang.

Halos maging ka-phone pal mo na ang ahente ng credit card sa kakatawag sa???yo.
Ang sahod mo at lahat ng kita mo ay nauuwi nalang sa pambayad ng utang.
Di ka na makatulog sa gabi sa kakaisip kung saan ka kukuha ng pambayad ng mga utang mo.

Ang magkulang at kapusin ang iyong kita ay talaga namang isang nakakalungkot na pangyayari, pero wala nang mas tragic pa kung sagad na sagad at baon na baon ka na sa utang. Kumbaga sa kalsada, nasa dead end na.

Wala nang lulusutan, wala nang mai-ikutan.

Gustuhin man magbayad ay wala na talagang ibubuga. Kahit halughugin ang buong bahay at taktakin ang buong katawan, wala ka ng mailalabas na pera. Sagad na sagad at said na said na.

Kapag ganito ang sitwasyon mo, na wala na talagang pambayad sa mga utang, ano pa kaya ang maaaring mong gawin?

Ito ang ilan sa mga suggestion ko:

MAKIHARAP
Hindi mababayaran ang utang kung ito ay tatakasan o pagtataguan. Huwag takasan ang responsibilidad. Harapin at kausapin ng mahinahon ang pinagkakautangan para masabi mo ang tunay mong sitwasyon.

MAGPAKUMBABA
Dapat ay marunong kang magpakumbaba at huwag magmataas. Madalas kaya yung taong nalulubog sa utang pero siya pa ang galit. Lalo itong kaiinisan ng mga naniningil dahil parating nagtatago at nag-gagalit-galitan pa.

MAKIPAG-AREGLO
Kung hindi haharapin ang utang, lalong lalaki at magpa-patong-patong ang interes. Harapin ang mga pinagkakautangan mo at makipag-areglo. Let them know kung hanggang kailan mo kayang bayaran ang utang mo. Halimbawa, kung may utang ka ng P12,000 at kaya mo lang magbayad ng P1,000 a month, mangako ka na mag-huhulog ng labing dalawang buwan para ito ay makumpleto.

MAKIPAGTAWARAN
At kung ikaw ay nag-uumpisa nang mahirapan, makipagusap ka muli sa pinagkakautangan at aminin na nahihirapan kang magbayad. Huwag ide-dedma at lalong huwag magtago. Makiusap na baka pwedeng bawasan ang buwanang hulog o paluwagin ang taning ng pagbabayad.

Ito ay napaka-epektibo lalo na sa mga credit card debt settlement. Collectors allow creditors to negotiate with (or collection agencies) to reduce the amount they owe so that they can pay something and get back on their feet.

At kung may napagkasunduan, dapat marunong kang tumupad sa usapan.

MAG-BUDGET
If you already have a budget plan, evaluate and reconstruct it. Explore ways to reduce spending and expenses — and if possible, increase your income — then revise your budget accordingly. Kung kinakailangan mag-cost cutting, then do so. Make it your priority na makabayad ng utang. Isantabi muna ang mga wants at other luho.

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 a will, there’s a way.

MAGPA-COUNSEL
Look for a professional finance expert and ask for his/her advice. Tanungin mo kung anong magandang strategy para mabawasan at maubos ang mga utang mo. Lahat ng pwede mong itanong at gusto mong malaman sabihin mo sa kanya. If you are looking for one, please click here http://bit.ly/1AZsjDW

THINK. REFLECT. APPLY.

Ikaw ba ay isang iwasero o iwasera?
O hinaharap mo ang problema mo sa pera?

Kung ikaw ay pagod na ang naghahanap ng paraan para maging debt-free. Huwag mong palagpasin ito, please watch http://bit.ly/1AZsjDW

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