Utang

[lomex32]

Life indeed may be tough and sometimes we can be bountiful....

 

On such times....

 

Kanino ka umuutang?

1. Credit Cards

2. Bank

3. Parents

4. Siblings

 

Kanino ka rin nagpapautang?

1. Siblings

2. Officemates

[CodenameV]

Ideally, Letting somebody you know and trust borrow money from you shouldn't be a problem. However, some people who are asking you to make "utang" to them seem to have the mis-impression that you are giving them the money or make it very difficult for you to collect it from them.

[the messiah]

It is one of my principle in life to never borrow money from other ppl, pero credit card ok lang

[cyberdude]

yeah me too, as much as possible i dont want to borrow money from other people. its a good practice and para madisiplina ko din sarile ko when it comes to spending hard erned cash. After ko mabayaran utang ko sa Credit card pina-cut ko na agad he he ..

[andrewfordmedina]

It is one of my principle in life to never borrow money from other ppl, pero credit card ok lang

 

I admire your principle Aldrich.

 

but years ago, I stopped borrowing from credit card companies. I realized that they could charge exhorbitantly especially during times that I am not able to meet deadlines. Hence, I began by modifying my lifestyle to make it a lot simple and devoid of most "luho" and I earnestly paid each of my 7 credit cards.

 

during crunch times, i usually borrow from my mother and pay it on or before the date we agreed I will return the money.

 

at one occassion, i borrowed from our executive secretary and my own boss, the CEO, when my daughter had to undergo operation. i am still paying for the money i owe our good secretary.....as to my CEO....he said i pay it when i can.

 

-------------

 

as to who i lend to......

 

i also lend to my mom in the same princple she lends to me.

officemates

even cleaners (usually i don't require them to pay it back)

neighbor......especially when her children are sick.....i just can't stand it knowing that the child is sick and can't have any medicines

 

-------------

 

i give to:

-this one girl selling rags at the corner of quirino ave and sshway; without getting any of her rags. :hypocritesmiley:

[lomex32]

Lifestyle indeed must be proportional to earnings.

 

yeah me too, as much as possible i dont want to borrow money from other people. its a good practice and para madisiplina ko din sarile ko when it comes to spending hard erned cash. After ko mabayaran utang ko sa Credit card pina-cut ko na agad he he ..

 

A good one .....

When people borrow money, it connotes something is not right and requires real life adjustments.

 

It is one of my principle in life to never borrow money from other ppl, pero credit card ok lang

[xcalibr]

As much as possible I would not want to borrow some money. I like living within my means and I want to keep it that way.

 

I am using my credit cards. It is, in a way, a form of borrowing. I only have 2 credit cards. 1 as my main credit card and the other for back-up. Just in case i need to spend more than my credit limit . I may say that I am a responsible credit card holder as I pay the balance in full on my due date.

[the messiah]

I admire your principle Aldrich.

 

but years ago, I stopped borrowing from credit card companies. I realized that they could charge exhorbitantly especially during times that I am not able to meet deadlines. Hence, I began by modifying my lifestyle to make it a lot simple and devoid of most "luho" and I earnestly paid each of my 7 credit cards.

 

during crunch times, i usually borrow from my mother and pay it on or before the date we agreed I will return the money.

 

at one occassion, i borrowed from our executive secretary and my own boss, the CEO, when my daughter had to undergo operation. i am still paying for the money i owe our good secretary.....as to my CEO....he said i pay it when i can.

 

-------------

 

as to who i lend to......

 

i also lend to my mom in the same princple she lends to me.

officemates

even cleaners (usually i don't require them to pay it back)

neighbor......especially when her children are sick.....i just can't stand it knowing that the child is sick and can't have any medicines

 

-------------

 

i give to:

-this one girl selling rags at the corner of quirino ave and sshway; without getting any of her rags. :hypocritesmiley:

 

 

tenks dud, talking about credit cards.... b4 collections dept ako sa hsbc and ol i can say eh pamatay talaga mga interest ng bangko, isa to sa primary eaner sa dept ng bank eh, mas malaki pa ang interest na nakukuha nila dito compared sa loans

Edited September 26, 2006 by Aldrich_Baccarat

[transcience]

i don't want to borrow money from other people too. i use credit cards and bank loans. ayoko ng may utang na loob eh.

 

i lend money to my siblings and parents. bihira lang sa friends.

[X]

Well, this is one indication of success, especially here in the Philippines.

 

Kapag mahirap ka, ikaw ang nangungutang.

 

Kapag asenso ka na, ikaw na ang inuutangan.

 

(And I don't mean the loans made by businessmen to expand their business).

[andrewfordmedina]

Well, this is one indication of success, especially here in the Philippines.

 

Kapag mahirap ka, ikaw ang nangungutang.

 

Kapag asenso ka na, ikaw na ang inuutangan.

 

(And I don't mean the loans made by businessmen to expand their business).

 

It's also a good measure of success.....yung mga nangungutang, I mean....

 

If people or institutions lend you money.....that means you have a good credit history.....

[cong rey aquino]

ANG PANGUNGUTANG DOES NOT MEAN YOUR POOR OR WALANG KAYA. ITS CALLED PROPER USE OF YOUR FINANCES.

 

isipin nyo, utang ka at rate of 12%pa.a., pero yung pera na inutang mo, pwede kumita ng 15%p.a.

 

 

eh di, kumita ka pa.

[diver_703]

sa pinas kalimitan, utang means trouble... ang hirap maningil tapos, mga wala pang kusang magbayad...

[igol ays]

if you determine that the borrower is genuinely in need

and you have the means or extra funds to help

do your share and help out (kahit utang kalimutan)

you'll feel good about it

[BnF95]

Neither a borrower or a lender be.