ottacan Posted April 9, 2007 Share Posted April 9, 2007 and to think na kapatid mo pa yon... MAHIRAP ISIPIN..BUT ITS HAPPEN,KUNG ANO-ANO PA MASASAKITNA SALITA NABABALITAAN KO... Quote Link to comment
transcience Posted April 10, 2007 Share Posted April 10, 2007 Nakakadala lalo na kung mayroon kang pinaglalaanan ng iyong ipon na pera (tulad ng matrikula ng mga bata, pangangailangan sa bahay, mga plano sa buhay, atbp.) These plans or goals take a hit when friends and/or relatives fail to pay you back. Hindi naman sa pag-dadamot pero should the time come na ikaw naman ang mangailangan, tutulong ba sila sa iyo? Ang mahirap kasi these days e nagiging ugali na ng iba nating kababayan na umutang pero wala nang balak mag-bayad. Ang katwiran e mayaman ka naman o kaya e may maigi kang trabaho. They are assuming that you are better off and would be able to quickly recover financially should they decide to not pay back the money they owe you. Though you may not get your money back, you still have your self-respect and dignity intact. The same thing can't be said about them. yun na nga lang ang consuelo de bobo. Quote Link to comment
Mandrake Posted April 10, 2007 Share Posted April 10, 2007 Eto pa masakit, hindi mo nga pinautang si kapatid. Tatakbo naman sa 5-6, kaw ang gagawing guarantor. :cry: Quote Link to comment
Agent_mulder Posted April 10, 2007 Share Posted April 10, 2007 (edited) As much as possible ayokong umuutang pero may times na gipit tayo dahil may gastos na hindi maiiwasan at wala tayong enough cash so i do borrow sa kapatid ko na binabayaran ko din agad, mahirap pag sa ibang tao dahil nakakahiya. Here's the thing, pag kapatid ko naman manghihiram sa akin hindi ako nababayaran doon sa panahon na ipinangako niya...hehe...oh well Edited April 10, 2007 by Agent_mulder Quote Link to comment
Mamang Tahimik Posted April 10, 2007 Share Posted April 10, 2007 Naalala ko na naman itong utang. Bad debts sa akin, lagpas na nang 20k. :grr: Ilang PSP na rin yan! Sayang talaga! Quote Link to comment
jzee19 Posted May 14, 2007 Share Posted May 14, 2007 utang sa friends.. utang ng friends madalas nakalimutan na.. whch is GREAT lolx Quote Link to comment
martin_d_martian Posted May 15, 2007 Share Posted May 15, 2007 ca sa office pwede hehe wala pang interest! Quote Link to comment
Ethan Zohn Posted May 15, 2007 Share Posted May 15, 2007 Takot / nahihiya akong mangutang... ewan ko pero mas gusto kong magtiis na lang nang wala kesa mangutang... Quote Link to comment
Sero Posted May 16, 2007 Share Posted May 16, 2007 I consider mga pautang sa mga friends as a form of help and never expect to be paid again. If they do pay, then great. Quote Link to comment
fatsnake Posted May 17, 2007 Share Posted May 17, 2007 ako i swear marunong me umutang...sa credit card lang, pero sa tao ka mangutang nakakahiya. parang forever ka may utang sa kanya kahit bayad ka na! Quote Link to comment
RC-F Posted May 17, 2007 Share Posted May 17, 2007 Sa close friends at sa kuya ko nangungutang ako noon. Pero binayaran ko naman lahat ng utang ko. Quote Link to comment
gaw_dyap Posted May 17, 2007 Share Posted May 17, 2007 lending money to close friends and just trusting them to pay me back whenever they're finances are getting better... Quote Link to comment
ochaonomimasuka Posted May 17, 2007 Share Posted May 17, 2007 Usually sa credit card lang, the rates are usually lower than GFI's like SSS and GSIS. Just make sure you pay on time. From persons medyo dyahi, parents lang cguro kung medyo kailangan. Quote Link to comment
kmc143 Posted May 17, 2007 Share Posted May 17, 2007 Here's my view regarding this topic: My principle in life is it's better to help those in need rather than be the one asking for help. 1. Nagpautang ako sa former high school classmate ko. Then nalaman ko ng scammer pala...may kasong illegal recruiting tapos ipanangutang ang panggastos niya. Siya pa ang galit dahil maliit lang ang ipinautang ko sa kanya. Buti na lang. This was about 2 years ago, wala nang balita kung plano pa akong bayaran. Latest news from my other classmates...masipag pa ring mangutang. Malapit na ang reunion namin sigurado na namang mangungutang ito.2. Pinautang ko rin ang "former" best friend ng misis ko. P30K at pampagawa raw ng kotse para maibenta na at babayaran ako once mabenta yung tsikot. 2 years na hindi na sumasagot sa mga emails. Ok lang sana kung once in a while you contact me and let me know that you're still planning on settling your debt but can't do so for the meantime. Pero kung bigla na lang kayong mawawala....lokohan na yan. Kaya ang lesson dito...kahit gaanong close sa inyo ang tao..kapag umutang gumawa kayo ng promisory note para may paraan kayong maghabol. Kailangan may terms kung kelan sila magbabayad...kung magmintis or tumakbo...pwedeng ipa-pulis. Quote Link to comment
wozniak Posted May 19, 2007 Share Posted May 19, 2007 As of today, I am debt free. I hate getting a loan from the credit card and unless it is life threatening, I am not going to get a loan from any of my relatives.As for lending out, my policy is I don't like to do it. If ever I do it, I always assume that I will not be paid, that way, if I lend to a relative or a friend, the relationship will not be broken. Quote Link to comment
niceNslow.2 Posted May 19, 2007 Share Posted May 19, 2007 sa bangko, every month ang kaltas and ang taas ng interest. sarap lang kapag bago hawak mo yung pera na inutang mo but kapag naubos na, ang lungkot na and nakakaiyak Quote Link to comment
Pietro Maximoff Posted May 20, 2007 Share Posted May 20, 2007 I once lent a considerable sum of money to a co-worker whom I have known since grade school. When it became apparent that he had no intention of paying me back, it was as if he had written off our friendship. There are still times I entertain similar requests with other fellow employees, but only when it entails a negligible amount. Quote Link to comment
jjb Posted May 21, 2007 Share Posted May 21, 2007 ayoko umutang, kaya hesitant ako magpautang.... Quote Link to comment
tweety Posted October 14, 2007 Share Posted October 14, 2007 Nagpapautang ako kung alam ko na gagamitin sa pangangailagan at hindi sa bisyo o sugal..........nagkakautang ako sa credit gard pero bayad every month. Quote Link to comment
yhance Posted October 14, 2007 Share Posted October 14, 2007 (edited) Ako...yung inuutangan ng classmates ko back in college...pag short sila sa pambayad ng renta. They pay on time naman minsan in other means pa like GAS slips... na 40, 60, 80 Liters...nkatipid pa aq ng malaki sa gas nun lagi full tank kotse ko nun(30+ pesos na ang gas back then imagine that)...ako yung nahihiyang umutang gawa na rin siguro ng pride ko...hehhe Edited October 14, 2007 by yhance Quote Link to comment
redshirt Posted October 14, 2007 Share Posted October 14, 2007 Ayaw ko ng may utang pero hndi maiwasan. Para sakin mas makakasave ka kung wala kang utang. less hassle pa. Quote Link to comment
DonImus Posted October 14, 2007 Share Posted October 14, 2007 Maganda umutang kung napapalago mo ung inutang mo. Quote Link to comment
gonefishing Posted October 15, 2007 Share Posted October 15, 2007 Sad to say but I have no use for money. Quote Link to comment
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