Saturday, October 9, 2010

Purchasing Power


Sarap ng may purchasing power, aka credit card.. Sarap ng feeling na ma-approve! Ibig sabihin kasi may 'K' kang gumastos at magbayad.. laki ng sweldo mo eh!

You get to buy all the things you wanted.. Enjoy the luxury.. Treat you family and friends with no limit.. Travel anywhere without the hassle..

Pero sabi nga, some good thing's never last.. Kasi after a month, anjan na ang monthly bills.. waahh.. sa umpisa, magbabayad pa.. kung maangas-angas ka, full payment pa ang gagawin mo (daming pera ah!)..

Pangalawa, pangatlo.. keri pa din ang full payment. nag-cash advance ka pa ng lagay na un ha! out of cash ka kasi, yan ang rason mo.. angas-ness!

Pang-apat, panglima.. minimum payment na, hirap ka na mag-full payment kasi may mga dumagdag ng charges. grocery, frap sa starbucks, baconator ng wendys, celfone, damit at sapatos.. sa isang swipe lang sa loob ng isang araw! lufet..

Pang-anim hanggang pang-labing isa.. minimum payment pa din.. kahit kinakapos ka na, sige pa din sa pagswipe.. katwiran mo, binabayaran mo naman eh, minimum nga lang. kahit 3 piraso ng biogesic sa mercury drug, card pa din ang gagamitin mong pambayad.. wala ka bang bente pesos lang?

pang-labingdalawang buwan.. na-charge ka na ng annual membership fee and sadly, it made you go over the limit.. in short, lagpas na sa credit limit.. at mejo lumaki ang minimum payment.. ang iba, isa-sacrifice na lang ang monthly allowance para makabayad lang at makapag-swipe ulit.. ang ilan, manghihiram na sa mga kaibigan o kay ermat at erpat.. tapos, charge ulit!

1 yr and 1 month.. wala ng laman ang card.. puro recurring charges na lang.. binabayaran mo pa yung mga matgaal mo ng nabili, ung digicam mong half the price na lang ang halaga ngaun, ung sapatos na binigay mo na sa kapatid mo, ung frap na matagal ng tunaw sa tyan mo, ung celfone na binili mo sa bf mo na ex mo na ngaun.. gusto mo silang singilin, ung mga kaibigan mong nagpapalibre lagi sa mga posh na resto, ung nanay mong laging nagpapa-grocery buwan-buwan, ung tatay mong nagpagawa ng pustiso at salamin, ung mga kapatid mong nag-aya sa yo sa The Spa at ung exbf mong nagpalibre ng sine at pagkain, nagpabili ng celfone, nag-aya mag-check in sa hotel gamit ang credit card.. hays...

kaka-tusta ng utak! (yan ang laging linya ng friend ko..)

ipit ka na, ipit na ipit.. gagawin mo ngaun ang lahat, mabayaran lang ang utang mo.

maga-apply ng loan, kakausapin ang kapitbahay ng nagpapa-56, isasangla ang celfone o alahas, isasangla ang ATM sa officemate, babale ng sweldo kay boss, gagawa ng promisory note, tatawagan ang credit card company at magrerequest ng fee waiver (pag di nakuha sa pakiusap, magi-irate ka na at hihingi ng supervisor), maga-apply ng amnesty program, babaliin ang card, lilipat ng bahay, magrequest ng change of address para di makarating sa yo ang bills, mag-abroad, takasan na lang at wag ng bayaran..

ilan sa atin, ganyan ang pinipiling option para maka-iwas.. alam nating mali ito pero sa taong gipit, ito ang nararapat na solusyon.

hindi 'to kwento ng buhay ko.. pero isa ako sa aamin na guilty ako sa ganitong sitwasyon.

Life never fails to give us choices, options. Nasa atin na lang kung ano ang pipiliin nating option.
At dapat pangatawanan natin ung choice na un. Walang pagsisisi sa huli. Pwede pang ituwid ang isang pagkakamali.

2 comments:

  1. ikaw ba si girl in a green scarf? heheh
    this one's really good :)

    im done with your header :)

    ReplyDelete
  2. waahh.. di naman.. muntikan na! haha..

    share ko lang mga usual na nangyayari sa mga may -ari ng credit card..

    btw, thanks for the header.. :)

    ReplyDelete

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