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Utang Now, Pulubi Later

MADALING MANGUTANG PERO NAPAKAHIRAP MAGBAYAD

Ang sarap kumain sa mga restos.
Ang sarap mag-shopping nang walang limit.
Ang sarap mamasyal sa mga lugar na gusto mo.
Ang sarap bumili ng bagong sasakyan.

Walang masama sa lahat nang ito, as long as hindi ka sosobra sa budget at hindi mo UUTANGIN ang panggastos dito.

Walang katapusan ang pagbayad, pero parang ‘di nababawasan.
Wala nang natitira sa sahod.
Ubos na ang ipon.
‘Di ka na nakakatulog ng maayos sa kakaisip ng mga utang mo.
Nakukulitan ka na sa mga ahente na walang sawa sa paniningil.

Walang katapusang utang. Walang katapusang stress.

Madaling umutang, pero mahirap magbayad.
Meron ding iba na nahuhumaling sa ‘enjoy now, pay later’, without knowing na may mga consequences kapag nagpabaya tayo sa pagbabayad on time.

For some people, naging habit at lifestyle na ang pangungutang. Before they knew it, lubog na lubog na sila. ‘Yung iba, hindi na kinakaya ang stress at nauuwi na ito sa depression. Huwag naman sana tayong umabot sa ganoong sitwasyon.

Kaya…kung gusto mo nang tuldukan ang mga utang mo, follow these practical tips:

BE ACCOUNTABLE.

Huwag balewalain ang mga utang. Makipag-usap sa mga pinagkakautangan at huwag magtago sa kanila. Harapin ang mga responsibilidad and be accountable for your actions.

BE WISE.

Huwag ka nang mangutang ulit. Hindi maitatama ang mali ng isa pang pagkakamali. Maging wise sa spending, pati na rin sa pag-manage ng finances. Plan your budget and stick to it.

BE SIMPLE.

Simplify your lifestyle. Magtiis muna sa kaunti. Magsakripisyo ka muna.

BE DILIGENT.

Magsumikap at magtiyaga. Maghanap ka ng ibang paraan para makabayad ng utang.

BE REPENTANT.

Magbagong-buhay na. Change should start in the heart. You need to decide that you???re going to live a debt- free life. You have to be willing to do whatever it takes to be financially-liberated.

Hindi totoong walang katapusan ang utang. Lahat ng bagay ay may hangganan. You just have to make a choice. Let us come to a point in our lives na magagalit tayo sa utang at nanaisin nating makalabas rito.
Matatapos rin ang utang, kung tatapusin mo na ito ngayon.

THINK. REFLECT. APPLY.

Gaano kalaki ang utang mo?
Ano ang mga nagawa mo na para lunasan ang problema mo sa utang?
Are you firm with your resolve to live a debt-free life?

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