Sa deli mo bayad sa utang baga gyud ang nawong hehehe... hinay hinay lang bai kay naa gi tawag na KARMA... So tama sila. ayaw pag creditcard kung naay possibilty na deli ka kabayad and ayaw gasto sa sobra sa suweldo mo or dapat 1/4 or 1/2 sa salary mo lang ang gamiton mo sa creditcard. Peace. pero dako gyud ganansya sa creditcard company.
Results 31 to 40 of 282
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08-08-2009, 02:37 AM #31
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08-08-2009, 08:22 AM #32
Originally Posted by inspector_ronan
Heheheh! Sakto, mu ginansya ang creditcard company at your EXPENSE.
Dili na sila mag business ug ingana kung walay ginansya. Hehehe!
Imagina lang gud na kung naay mag pa utang tapos ang interst kay 1%/month, times 12 months that is equal to 12%/anum
Imagine, kadako ana na interest na 12%, testingi na dili nimu mabayran diba mutobo sad na imung utang at the rate of 12%/anum.
Mao ng pwerte jung luoya sa nangutang, ang problem kung ang savings naa ra sa 4%/anum di ba lugi kay 8%, dili gihapon ma impas, samot na cguru ang tao na walay savings tapos nag tobo ang utang, dili mag dugay malomos jud na sa utang.
Naa man nay murag penalty2x kunohay ang mga lending kung dili ka maka bayad, and penalty ana kay tubo sa utang, actually kanang penalty, interest nana sa utang. HUHUHU! Mao ng musamot jud kalooy ang nangutang.
Simple mathematics ra na pero alot of people doesn't know about this stuff.
WIN-LOSE man gud ni na senario:
Credit card company is living on interest(money working for them).
Nangutang (money working against you)
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08-08-2009, 09:42 AM #33C.I.A. Platinum Member
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walay ma preso. PERIOD.
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08-08-2009, 09:45 AM #34Junior Member
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Originally Posted by lorenzoleo
that was exactly what i did when i got done paying that S*%$#&*&%(% credit card! i really regret applying for one because i really didn't need it at that time. i was just forced by my officemate to apply for one since it was her source of extra income (agent ma siya) and she got all of us in our department hooked into it. now, we're all in debt. hehehe when the time came that i was really in need of the money, my credit card couldn't be used anymore because i've maxed it up, buying unnecessary things. so, lesson leared. never will i get anything made of plastic (money)_ hehehe ever again!
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08-08-2009, 01:32 PM #35
my credit card is very useful specially emergency cases like hospital bills and medicines..
be wise lang gyud sa pag gamit.
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08-08-2009, 02:20 PM #36Sakto gyud ni. deli man puwede ta mag credit na walay pang bayad. Kung ang atong mind kay walay ma preso sa utang... Himo-on nalang nato ni na negosyo... Originally Posted by rockrhyan1982
my credit card is very useful specially emergency cases like hospital bills and medicines.. be wise lang gyud sa pag gamit.
Example. Apply ka 3 to 5 credit card company
utang mo each card 100k bali 500k na
waaa!! ka dako na utang ... walay ma preso man sa utang.. na..
. himo a daw na.
an eya la kamo waray man kamo upay kay mga mag dakmol naman eyo mga nawong. hehehe/ tapos sala naman iton hiya. pareho la kamo may sala an nag pautang kay kadadako an interest tapos ikaw naman na utang ka na waray naman ikaw pangbayad or waray plano mag bayad. deri man excuse an waray pang bayad. akon la ini guti-ay na opinion.Last edited by inspector_ronan; 08-08-2009 at 02:22 PM.
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08-08-2009, 02:53 PM #37Senior Member
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wa he he he he Originally Posted by inspector_ronan
Sakto gyud ni. deli man puwede ta mag credit na walay pang bayad. Kung ang atong mind kay walay ma preso sa utang... Himo-on nalang nato ni na negosyo...
Example. Apply ka 3 to 5 credit card company
utang mo each card 100k bali 500k na
waaa!! ka dako na utang ... walay ma preso man sa utang.. na... himo a daw na.
an eya la kamo waray man kamo upay kay mga mag dakmol naman eyo mga nawong. hehehe/ tapos sala naman iton hiya. pareho la kamo may sala an nag pautang kay kadadako an interest tapos ikaw naman na utang ka na waray naman ikaw pangbayad or waray plano mag bayad. deri man excuse an waray pang bayad. akon la ini guti-ay na opinion.
your korek bro, i understand a 3/4 bit
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08-08-2009, 06:04 PM #38
credit card = emergency uses
mao ra gyud na ako masulti mga bro...
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08-08-2009, 06:52 PM #39
Mas maayong walay credit card. Just create your own emergency funds in the bank. Para dili jud maka utang bisan emergencies. Hehehe! Kung mahospital, mas maayo sayo palang naa nakay health insurance(this is one way of smart saving for emergencies)
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08-08-2009, 10:20 PM #40
Emergency cases bro like gabii or weekends..like wala gyud kay cash..labi na kanang hospital mangayo gyud ug DP..tried this thrice gyud, mao na dili gyud pataka ug gamit sa c-card para naa magamit for rainy days.hehehe
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