Credit Card or Credit Corporation

[darkcrux]

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stay clear from any form of bad debt.. credit cards ug credit corporations.. dali ra kaayo na sila mo hatag nimo ug bad debt (utang na walay gamit.. ex. Gi palit ug cellphone, car, appliances, etc.)

naay strategies to avoid debts...
1. Emergency Fund (Monthly Income * 6) - Gamit ni haron in case of emergencies or job loss, dili ka kinahanglan mangutang.
2. Sinking Fund - If dili ka kapalit at cash... ayaw palita.. tigumi. Don't ask how much down but ask HOW MUCH. If cash ka mo palit.. maka discount paka.

[filz_33]

stay clear from any form of bad debt.. credit cards ug credit corporations.. dali ra kaayo na sila mo hatag nimo ug bad debt (utang na walay gamit.. ex. Gi palit ug cellphone, car, appliances, etc.)

naay strategies to avoid debts...
1. Emergency Fund (Monthly Income * 6) - Gamit ni haron in case of emergencies or job loss, dili ka kinahanglan mangutang.
2. Sinking Fund - If dili ka kapalit at cash... ayaw palita.. tigumi. Don't ask how much down but ask HOW MUCH. If cash ka mo palit.. maka discount paka.

sak2 jd ka bro... gama lng gud agwanta..

pila sd k.percent ad2 sa emergency fund n pila sa sinking fund?

[darkcrux]

ang emergency fund is about 3 - 6 times your monthly income...
ang sinking fund.. is ikaw na bahala ana.. if naa ka ganahan paliton.. ayaw utanga.. tigumi.. ^_^

this way.. mag lisod nana duol ang mga credit card ug loan sa imo..

[o_bama]

Credit corporation is much better KFF Corporation.........

[dhongskee]

ngano mangutang man......simple budget management....live within your means....y man mangutang?

[ncmknight]

In a perfect world, di ta kinahanglan mangutang.

Unfortunately, naay emergencies or gastohanan right now that can't wait.

Kung maguba imong computer nga maoy source of income nimo, ug unfortunately, mao pay pagbayad nimo sa imong mga bills, you can't leave your computer lying in front of you, while ikaw mapasmo, way income.

Good for those nga naay kwarta.

Put yourself in the shoes of those who are earning so little. You'll understand why kinahanglan mangutang.

Ang luxuries hinuon, no need utangon. Pero necessities, susmarya, di na pwede paugmaan.

[moz_k2]

^^^ Sakto jud ka.
Some of my officemates are so into credit cards.
That payday they would make payment for their cards.
It's basically spending the money you don't have.
And most spend it on luxury items.

Before, I want to have one.
But I realize I don't really need it.
I already have debit cards anyway (Some of my ATM cards are debit cards also).

If it's for luxury, no way.
Kung basic needs na,　dli na malalis jud.

[darkcrux]

@ncmknight... yup.. mao jud na ang situation sa mangutang.. pero bisag unsa ka gamay sa imo sweldo... at least mag save sad ka gamay kay in case of emergencies.. naa kay savings.. and if mag kuwang.. last resort na ang utang.

[r3roble]

sa duha.... i'll choose credit card... because it has points and you can use anytime and you will be compelled to pay..

[^sErRiAlLkisZr^]

simple ra kaau na bai... when it comes to credit bati jd na cya coz mangutang ka naa jd kay purohan na alkanse ka hehehehe