Unsa man imong buhaton ug daghan kag Utang? (Debt ha?)

[stanlee climbfall]

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Ppol nowadays especially kadtong tig suroyan sa malls ky mka notice nga mga estudyante ky tig tmbayan nas coffee shops or milk tea haus og uban pa instead sa libraries/campuses/study centers which mkaless or wlay gasto unless if it's for fud.

I have nothing against those students in coffee shops but at least try to lessen your daily expenses which sapagka karn wla pa nla na realize

I try not to spend on things o really don't need. I'm not a saint when it comes to saving kay laag jud akng ultimate guilty pleasure

I try to live within my means. Instead sa mga mahalon nga spa mgpa masaj ky dhas mga buta. At the end of the day it's always your choice on how you want your future to be

[spectrespook]

Unsa man imong buhaton ug daghan kag Utang? (Debt ha?)

----> You must read all the books of Robert Kiyosaki.

[daelite_mistress]

It is about setting prioritize (NEEDS) than pleasure. Like MANNY PACQUIAO he did not gain all the best he got now but because of his sacrifices in life. Like sa debts or money handling to attain financial freedom we must also sacrifice. SET PRIORITIZE, later na ang PLEASURES. Then in the future when all has been paid, it follows (THAT FREEDOM).

[noelle]

agree ko ani

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ayaw pangutang para ibayad sa imong utang.... =)

paspasig bayad ang utang para wa nai huna hunan.... ayaw sag gasto sa mga dili needed nimo....

[Balandido]

tripleng ang tipid.

unahan bayad ang utang nga naa or dako ang interest.

ngita lain work or biz nga maka dugang sa kita.

[Kenshiro]

Its within the mindset.
Naimpas na akong utang after 4-5 years nahan na unta napod mangutang sa credit card, pero sayang pud nga debt free nako ron then mangutang ra ghapon.
One more thing sa akong current work there always lingers job insecurity we don't have any guarantee if well always be able to work. We could loose our job due to sickness, bad supervisor or boss so its best to save or invest in another income generating source rather than creating more expense like credits or buying gadgets.

Dapat jud bayaran nimo ang imong utang, then after na ma impas restrain or control yourself para dili napud mangutang.

[spectrespook]

Financial literacy and money investment/business experiences are necessities na jud karon panahuna para nako. Kuyawan ta if magsalig lang sa work. Samot na kung naa pa jud utang, anyway naa man 2 ka klase sa utang, good debt (gamiton nimo for investment ex. for business nga mo generate og income) og bad debt (gamiton sa mga expenses or even unnecessary things/etc.).

[edmondro2]

LEARN to say NO to yourself whenever you feel the urge to spend. Learn to think 100 x100 times why you want to spend for that specific thing, if the reasons for having it because its needed is greater than those because you just want it, then go for it. if you learn to think this way, you will stop being an impulsive buyer and you will learn to spend wisely.

i've been there, i just learned it the hard way.

congratz bro for overcoming that problem... dili jd ko gastador ug mga butang nga tan.aw nako dili sya makahatag ug income nako.. mupalit rako sa gikinahanglan,,, d man gd ko ganahan mapareha sa uban nga maputos sa utang,,, ive learn from the exprerience sa uban,,, kay sa una nisuway man kog sideline ug pautang sa mga kauban sa trabaho mao nga nakaengon jd ko nga dili lalim ang magcegeg pangutang,,, madugay mangutang nlng ka aon ibayad sa usa pa ka utang, ang resulta patong2x na ang interest, nag buy and sell ko karon,,, bahala nag mahurot ako tinigom usahay kinumpra ug mga item para baligya ako jd na ipalit.. pero bisag naa pakoy kwarta nya naa koy makit.an nga gusto nako... ako jd nang hunahunaon pag.ayo....

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Unsa man imong solution? utang nasad ni? hehe

bxta in ana bro.. networking kasagaran,,, ahaaahahah

[edmondro2]

Salamat sa tanang info. Daghan sad ko nakat-onan ani da. Daghan sad ko ug utang. I'm trying to pay it for almost 2 months na. Almost 70k akong utang tanan. Lain-lain nga tawo. Mao karon naglisod jud ko ug bayad , I'm thinking of ways para makabayad ko like trying to loan from banks or looking for someone who can lend me money para siya na lng akong i-focus ug bayad. Pero wala jud musukol nako. I am a call center agent 16k akong ma-earn in a month walay labot sa commission. But kuwang pa gihapon tungod sa kadaghang bayronon. Mao na karon I'm still thinking and finding ways to pay it all. Para after ani tanan undang na. Di najud ko mu-usab.

" Di najud ko mu-usab." ,,, ipapatik jd na aron dili malimtan,,, hehehe

[sedated33]

E check imo tanan expenses bro.

Find ways to lower down your electricity bill.. eliminate helper if naa, cut down cable service if naa etc.. as a whole, lower down your monthly expenses so you can save big.

Look for a sideline job to great increase your income. Nindot if you can use Leverage.