PAY OFF YOUR DEBTS THE EASIEST WAY


Hindi ako mahilig mangutang, unless kailangan na kailangan. Kapag kailangan kong bumili ng mamahalin na sapatos, cellfon, tablet at kung ano ano pa. Kasi nga kailangan ko nga, dun lang ako nangungutang. LOL

Mabuti nalang talaga at hindi ako nahilig sa mga mamahaling gadgets kaya hindi ako nangungutang para lang dito. Mahilig man pero kadalasan yun mga napaglumaan. Lalo kapag libre ang gadget, gaya ng celfon na gamit ko ngayon.

Meron kasing mga tao na kapag me gustong bilhin na, madalas lalo kapag sinabing 3 gives, 5 gives, 10 gives, di na iisipin na malaki ang interes na nakukuha sa kanila. Ang sagot naman ng iba, kasi daw maliitan lang naman ang hulog. Kung hindi daw ihuhulugan malamang di nila mabili. Siguro kung ito'y mapagkakakitaan ay ok lang. Katulad ng mga hulugang sasakyan na pwedeng pampasada. Kung aantayin mong makaipon ka ng pambili, malamang sa hindi, di ka makakabili. Kaya mas maige utangin mo ang puhunan at bayaran ito sa pamamagitan ng kita o boundery. Napakasimple di ba? Pero mahirap sa totoong buhay.

Pinakamaganda ay ang hindi mangutang, pero paano nga ba kung meron nang utang? Paano kung baon tayo ng utang sa iba't ibang tao o iba't ibang credit cards?

Sa aking natutunan sa mga librong nabasa ko, kung ikaw ay may utang sa mga tao man o sa mga credit cards. Huwag mo silang pagtaguan. Bagkus harapin mo sila, galit man tanggapin mo dahil mali mo naman na hindi mo sila nabayaran. Pinakamadali at mas magaan sa dibdib mo kung mababayaran mo ang isa ng buo then move on ka sa isa pa uli hanggang maubos mo silang lahat mabayaran.

Ang utang, parang mga sako sakong bitbit mo iyan. Kung meron kang utang sa limang katao, isipin mong may lima kang plastic bag na dala. Ibat iba ang timbang nito. Unahin mong bayaran ang maliit na utang, mas mabilis mo kasi syang mababayaran. Mas mabilis mong mababawasan ang plastic bag na dala mo. E di magiging apat nalang ang dala mo. Hanggang sa maubos mo silang bitawan.

Kung ikaw ay may madaming credit cards. Bayaran mo paisa isa. Umpisahan mo sa pinakamaliit ang iyong utang, pagka nabayaran mo na iyon, gupitin ang card, ilista ang araw na nabayaran mo sya ng buo at icelebrate. Maari kang bumili ng cupcake, tirikan ng kandila sa gitna at kantahan ng HARANA. Unang step mo sya sa FREEDOM from DEBTS.

Gawin mo din sa susunod na di kalakihang utang hanggang maubos mo na sila. Kung hindi mo talaga kaya ng walang credit card, mag iwan lang ng isa. Yung tingin mo pinakamaganda ang naiooffer sa iyo. Hindi naman talaga masama ang magkaron ng credit card. Ang masama kapag di mo nagamit ng maayos ito. At huwag na huwag na lalagpas ka sa isang credit card ang gamit kasi dagdag pasanin mo lang yan.

Isa pang mas madaling paraan sa pagbabayad ng utang sa credit card ay kung maipapasa mo sa ibang banko ang iyong utang, babayaran ng buo ang unang credit card company at babayaran mo naman sya ng hulugan sa susunod na banko. Paraan nila ito para ikaw ay lumipat ng credit card provider. Pero kapag nabayaran mo na ng buo ang unang utang mo, DIYOS KO naman huwag ka na mangutang ulit. Puputulan na talaga kita pag nangutang ka pa ng nangutang ulit.

Maawa ka naman sa asawa mo lalo kung asawa mo ang nagbabayad ng KAUTANGAN MO. Lalo kung ikaw ang lalaki at ang asawa mong babae ang nagbabayad. MAHIYA KA NAMAN... (Dyok lang) hehe

So yun, di ba madali lang bayaran ang mga kautangan?

Lahat naman tayo gusto maging Financially Free.

Kung lagi tayong may utang, hindi natin makakamit ito.

Ito ay parang isang bolang bakal na nakatali sa paa natin na magpipigil sa ating pag angat.

KAYA HUWAG MANGUTANG AT KUNG MAY UTANG, ATIN ITONG BAYARAN.


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