Hindi mo na ba kinakaya?
Nakikipag-patintero ka na ba sa mga naniningil?
Bangungot levels na ba ang inabot mo?
Mahirap maipit sa utang.
Understatement yan.
Maraming buhay ang nasisira dahil dito.
Hindi tayo malaya dahil madaming naghahanap sa atin.
Hawak tayo sa leeg ng iba dahil sa taas ng interes at deadline na walang patawad.
Kapag sagad na sagad ka na ano pa ba ang pwedeng gawin?
TALK TO YOUR CREDITORS
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“Ayoko, baka magalit.”
“Nakakahiya noh!”
Naku kapatid kung paiiralin natin ang pride walang mangyayari.
Natural lang na magalit ang pinagkakautangan natin but if they see how sincere we are in paying off our obligations, trust me, maiintindihan ka nila.
Pero kapatid hindi ito nagtatapos sa usap lang ah.
Dapat may aksyon din! Paano?
LOOK FOR ADDITIONAL SOURCE OF INCOME
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Apart from your full time job it would help na maghanap pa tayo ng iba pang pagkakakitaan.
Nandyan ang online job pwedeng mag- buy and sell or take on part-time jobs.
Sabi nga kung hindi kaya ng sweldo, dagdagan.
Maliit man o malaki it doesn’t matter as long as may pumapasok na funds na makakadagdag sa pambayad.
FOCUS AND PRIORITIZE
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Alin ba sa mga utang mo ang malaki ang interest kada buwan?
Alin ba sa kanila ang nauna?
We need to consider several factors to help us to identify our main priority.
Halimbawa, kung ang credit card ang pinaka-malaking interest na binabayaran pwede mo itong unahin para hindi lang dito napupunta ang binabayad.
Kung ang supplier ang unang napangakuan think about this too para matapos na at hindi ka na kulitin.
“Ang utang ay nagiging bangungot kapag hindi inaksyunan.”
-Chinkee Tan, Wealth Coach Philippines
THINK. REFLECT. APPLY.
- Ilan ang pinagkakautangan mo ngayon?
- Paano mo ito hinaharap?
- Ano pa ang puwede mong gawin to organize everything?
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Chinkee Tan is a Wealth Coach, Keynote Speaker, and Best-selling Author on personal finance and wealth management. He has written 16 best-selling books and counting. His mission is to equip millions of Filipinos to be free from financial stress & experience financial freedom.