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Tatlong MAHALAGANG dahilan kung bakit kailangan mong iwasan ang Masamang Utang

English Version (Click Here)

“Debt is like any other trap, easy enough to get into, but hard enough to get out of.” – Josh Billings

(Ang utang ay katulad ng ibang patibong, madaling pasukin, pero mahirap umalis.)

Isang hakbang palusong, dalawang paurong.  Isipin mo man na ok lang manghiram ng pera at lubusang gamitin ang credit cards, hindi ito totoo. Parang hindi ito masama sa simula, hanggang mangutang kang uli, at mangutang pa, at mangutang ng paulit-ulit hanggang nabaon ka na ng isang bundok ng utang. Kapag nawiwili kang gumastos ng sobra sobra at mangutang ng pera, alalahanin mo lang ang tatlong dahilan kung bakit dapat umiwas sa luho at sa masamang utang.

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3 BIG reasons to Avoid Bad Debt

Tagalog Version (Click Here)

“Debt is like any other trap, easy enough to get into, but hard enough to get out of.” – Josh Billings

One step forward, two steps back. You might think that borrowing money and maxing out your credit cards is fine, but it’s not. It seems harmless at first, until you borrow again, and again, and again, and suddenly you’ve accumulated a mountain of debt. Whenever you’re tempted to overspend and borrow money, just remember these three reasons on why you should just skip unnecessary purchases and avoid bad debts.

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Problema sa Pera? 20 Financial Mistakes na maaaring Nagagawa mo

English Version (Click Here)

Sabi ni Will Rogers, “hindi ang hindi natin alam ang nakapapahamak sa atin kundi ang nalalaman natin na hindi naman totoo.” Sa ating paglaki, natututunan natin ang mga gawain o habits na tumatagal habang buhay at, habang ang iba ay nakapagbibigay ng kasiyahan at kasaganaan sa pagdaan ng panahon, ang iba naman ay nakasisira sa atin. Ano nga ba ang magagawa natin tungkol sa mga iyon? Simple! Alamin natin ang mga bad habits at pag-aralan ang mga mas-makabubuting gawain para ipalit sa mga iyon! Kung gusto mong malaman ang mga pinakamasasamang financial mistakes na maaaring nagagawa mo, basahin mo lang ang listahang ito para maiwasan ang mga problema sa pera na dala nila!

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Money Problems? The 20 Financial Mistakes You Might be Making

Tagalog Version (Click Here)

Will Rogers said that “it isn’t what we don’t know that gives us trouble, it’s what we know that ain’t so.” Growing up, we learn many habits that will last us all our lives and, while some habits can bring happiness and financial success over time, others however, slowly lead to ruin. What can we do about those? Simple! We identify the bad habits and THEN we learn better habits to take their place! If you want to know some of the worst financial mistakes that you might be making then read this list to avoid them and the money problems that they bring!

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Bakit Hindi ka dapat magpahiram ng Pera

English Version (Click Here)

“Kaibigan! Pwedeng pahiram ng dalawang libo? ‘Promise’ babayaran kita next week!” Nahihirapan ka bang tumanggi? Hinahayaan mo ba silang abusuhin ka? Hinahayaan mo ba ang mga kakilala mo na manghiram pa ng pera sa iyo kahit alam mo na hindi sila nagbabayad ng utang? Noong kabataan ko, nakita kong naghirap ang aking ina dahil sa mga taong ganoon kaya noong napanood ko ang video ni Chinkee Tan, kinailangan kong magsulat tungkol dito. Huwag mong hayaang abusuhin ng iba ang iyong kagandahang loob.

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Why You should Stop Lending Money

Tagalog Version (Click Here)

“Hey ‘friend,’ can I borrow a couple thousand? I ‘promise’ to pay you back next week.” Do you find it hard to say no? Do you let people abuse you financially? Do you keep letting people borrow money from you even when you know they never pay you back? I’ve had to watch my own mother suffer through that during the early years of my life so when I saw Chinkee Tan’s video, I just HAD to write about it. Never let people take advantage of your kindness.

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Makabagong Pananaw para iwasan ang SOBRANG Pangungutang

English Version (Click Here)

Isa sa pinakapopular kong article ay tungkol sa kung paano magbayad ng utang. Sa palagay ko, mas-mabuti ang pag-iingat kaysa sa paggamot, kaya mas-mainam na umiwas ka na lang sa sobrang pangungutang kaysa palaging mabaon at magbayad ng mga ito.

Paano mo maiiwasan ang sobrang pangungutang? Gamitin mo ang mindset o pananaw na ituturo ko!
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A New Perspective to Avoid Bad Debts

Tagalog Version (Click Here)

One of my more popular articles is the one about How to Get out of Debt (more specifically, get out of bad debts). I believe an ounce of prevention is better than a pound of cure, so it’s better to avoid bad debt from accumulating than to keep digging yourself out of it.

So how do you avoid bad debts? Here’s a mindset that’ll help!
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Paano Mabayaran Lahat ng Utang (in Three Simple Steps)

English Version (Click Here)
“Ang mga mayayaman ay namumuno sa mga mahihirap, at ang nangutang ay alipin ng nagpautang.”
– Proverbs 22:7

Natatakot ka bang tignan ang iyong mga napakalaking credit card bills?
Nagtatago ka ba mula sa mga kaibigan at kamag-anak mo dahil may utang ka pa sa kanila?
Hindi ba sapat ang kinikita mo para mabayaran ang iyong mga expenses at mga inutangan?

 

Kung pangarap mong mabayaran lahat ng utang mo, mayroon ako ditong SIMPLENG 3-STEP PLAN mula kay George S. Clason, ang may-akda ng finance Classic na The Richest Man in Babylon” (Click link for the book):
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How to Get out of Debt in Three Simple Steps

Tagalog Version (Click Here)
“The rich rules over the poor, and the borrower becomes the lender’s slave.”
– Proverbs 22:7

 

Are you scared of opening the mail and looking at your gigantic credit card bills?

Do you hide from your friends and relatives because you owe them money?

Is your income not enough to cover expenses and pay your debts?

If you want to get out of debt and pay them all back, here’s a VERY SIMPLE 3-step plan from George S. Clason’s “The Richest Man in Babylon” (Click link for the book):
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