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Author Topic: Utang ng In-Laws  (Read 5196 times)

NanaylovesAJ

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Utang ng In-Laws
« on: March 21, 2013, 11:22:19 am »

Basahin sa Smart Parenting: Paano maningil ng utang? Click HERE:

i-click ang iba pang mahahalagang kaalaman tungkol sa:
Warning Signs That Someone You Know is a 'Chronic Mangungutang'

Hi how do you handle utangs ng inlaws?

First utang : Nagtxt ang BIL and wife niya sa akin last April 2012 pa.. so sabi ko sige since small lang amount P4000 lang, sige ok lang.. deposit ko daw sa accnt. so sa hirap humanap ng bank at pumila ng mahaba, pumila ako para maideposit lang.. then sabi bayaran daw kaagad.. ok lang naman sabi ko.. then Oct 2012 bday ni baby. sabi sa december daw.. sige sabi ko.. ngayon March 2013 na.. wala ako narereceive na txt or tawag man lang.. malaman laman ko sa hubby ko pla sila ng sasabi na wala sila pambayad samantalang sa akin sila nanghiram (since ako may hawak ng savings namin) and makita kita mo sa FB kung saan saan pasyalan at hotel sila ng sstay at mamahalin na restaurant kumakain at gumigimik pa.. imagine paano ka maawa dun haizz talaga.

seconda utang : ANother BIL txt my husband na need nila ng P40,000 for franchise ng line ng jeep asap.. SInce c BIL is nasa abroad at d kgad mkapadala.. sabi babalik din daw kaagad pagbalik ng Phil.. sabi ko ok.. then ayun.. c hubby mabilis na ng withdraw at nagdeposit sa bank... so after 1 month.. dumating si BIL.. wala man lang twag or txt to thank me or hubby for the loan.. ngayon almost 3 months na asa Phil si BIL wala pa din binabalik??? porke daw hinihintay tumaas dollar para makapagpalit.. haizz

ngayon kami na ni hubby nag aaway..kapag nireremind ko cia... we are both working and we support financially our child for his therapies.. aba hindi basta basta napupulot ang pera! porke daw maghintay lang ako..

Mommies.. bad ba ako??

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« Last Edit: September 17, 2019, 08:58:43 am by Parentchat Admin »
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Mommy Jazz

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Re: Utang ng In-Laws
« Reply #1 on: March 21, 2013, 11:32:08 am »

The best advice I got in "utang issues" is not to lend them the exact amount they are asking. 2nd, is to tell them stories of your financial woes too. 3rd, is to remind them, even suggest that they can pay in staggered.


Good luck po!
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preciouslara

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Re: Utang ng In-Laws
« Reply #2 on: March 21, 2013, 02:09:17 pm »

well, as much as possible hindi ako nag papautang pero siyempre ibang usapan na kasi pag family and lalo na kung alam and nakikita nila na medyo nakakaluwag kayo so mahirap talagang tumanggi at times, like Mommyjazz said, remind them sis,tutal sinabi naman nila na utang yun so may right ka na paalalahanan sila lalo na kung kelangan mo na din,wala naman sigurong masama dun, iremind mo na lang sila ng maayos, make dahilan na lang kung bakit kelangan mo na yung money, like for tuition since mag eenrollment na para mapilitan sila magbayad diba...
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NanaylovesAJ

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Re: Utang ng In-Laws
« Reply #3 on: March 21, 2013, 02:34:21 pm »

Thanks mommies ha

 Ako kasi yung type na hindi naniningil..ako pa yung nahihiya . kaya since family naman ni husband yun.. siya pinapasingil ko.. kaso in the end kami pa nag-aaway... my son is special having 3 therapies every week kaya medyo mabigat.. kahit nkkaipon kami pakonti konti ayoko naman mapunta lahat sa utang yun.. nagka issue na kami ni hubby sa money few years back na almost naubos savings namin ng hindi ko alam kung saan niya dinala.. dahil sya ang may hawak naman nuon.. ngayon ako na ang may hawak.. nagsisimula na naman kami

@mommyjazz  - ill remember that.. thanks

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sassy023

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Re: Utang ng In-Laws
« Reply #4 on: March 21, 2013, 04:25:00 pm »

tama sila sis remind mo nalang sila sa kautangan nila on the otherhand dapat naman consistent sila magbayad sa inutang nila mahirap kasi pag hindi mo naman pinautang kaw pa masama. kesho, ganito ganun hayz. an hirap kasi pag madaming mga in laws na ganyan. talagang ang mag aaway ay kayong mag asawa pero you can handle that sis try to talk your in laws na need mo naman ang money for your son and other expenses hindi lang naman sila ang kaylangan mabuhay kundi kayo ng anak mo at ang asawa mo diba.
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sangolko

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Re: Utang ng In-Laws
« Reply #5 on: March 21, 2013, 04:30:09 pm »

Hay nakakarelate ako sayo sis! Dami ko din pautang pero ang issue mga kaanak ko naman, kwnto ko na lang din :( nakakadala magpautang kase ang tagal magbayad tapos dami pa dahilan pero hindi ko naman matiis. Meron akong isang kinaiinisan na pinautang ko noong 2011 pa, nagwowork pa ako noon. Nagtxt sa akin during office hour na emergency daw ako naman kol agad kala ko kung ano yun pala hiram ng pera. Ako naman since sinabi na hiram oo agad kahit hindi ko pa tinanong if magkano, kase sa amin pag hiram ibig sabihin mabilis lang ibabalik like 1 week up to 2 weeks. So tawag ako ke hubby para utusan sya magdeposit kahit oras ng trabaho. Ora mismo nagdeposit sya ng 7K sa account ni kamaganak ko. Eh ang nangyari after ilang buwan ni ha ni ho wala! Sa akin ok lang kase hindi pa naman kelangan pero umasa si hubby na magbabayad agad, sa sobra hiya ko kwnto ko na lang na malaki utang na loob namin sa nanay ni kamaganak kaya hayaan Na lang muna.
2012 july manganganak ako siningil ko kahit hindi ko pa naman talaga kelangan sinabi ko pandagdag sa hospital bill nangako magbabayad pero after ilang buwan wala parin. Ngayon 2013 na at mag 1 year na si baby wala pa din grrrrrhhhh. Sobrang hiya na ako ky hubby buti na lang hindi niya ako inaaway :)
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Jennifer Arenajo

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Re: Utang ng In-Laws
« Reply #6 on: March 22, 2013, 02:04:45 pm »

hayzzz, nakakarelate ako sis ! nakakahiya tumanggi at talagang nakakahiyang maningil... :-[

Dati lagi sila lumalapit kay hubby para "manghiram" tapos wala akong mabalitaang bayad  :( sabi ni hubby hayaan mo na sila... tahimik lang ako.

tapos nang tinatanggihan na sila ni hubby, sa akin na personal na lumalapit  :-[ eh, nahihiya akong tumanggi. Then pati yung mga tita in law, pinsan in law,  lumalapit na rin sa akin - sige nahiya ako, eh... kaya lang after makahiram, tahimik na parang wala lang kapag nagkasalubong kami if dadalaw kami - dema lang  ???

At heto pa, hindi pa nakakabayad sila tita in law, gusto pang umulit? this time, sinabi ko na kay hubby kasi nahihiya nga ako at mga kamag-anak naman niya yun at alam naman niya na hindi pa nagbabayad, eh - sya na nagsabi na walang extra at hindi pa kasi sila nakabayad sa dati nilang utang...

Lesson Learned from hubby:
 - bago magpahiram, linawin kailan babayaran / ibabalik
 - linawin na magkusa silang magbayad dahil hindi na sila makakaulit kapag hindi nagbayad
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erich84

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Re: Utang ng In-Laws
« Reply #7 on: May 19, 2013, 01:54:54 pm »

I've experienced this also before and sana hindi na mauulit.
Before my PIL most of the time nangugutang but hindi na nagbabayad to the extend we'll having a fight ng hubby ko. What I did is everytime mangungutang ang MIL ko I always tell her na wala sa akin ang money. What makes me mad is yong promise na magbabayd agad kahit nainform mo na that last money left is intended for allowance. This is one the reasons why don't want to stay long in PIL's house.
Until one scenario na nagborrow yong mother ko P 500.00 then that money talaga is my fare allowance for that week and I don't have any extra amount to spare since we tend to abide our BUDGET. Here comes the promise day to pay eh wala maibayad c MIL. Out of my outburst I vent out my feelings to my SIL because I know SIL is very close to her mother. I told her na ok lang sana if money lent to her is hindi ko kailangan but it was clearly stressed out to MIL na last money ko na yun. Let go ko yun. I didn't bother to collect it nlang, Gumawa nlang ako ng way para masolve yong dilemma ko.
I am very grateful na nakabukod kami ( maybe I could be a b***h) kasi naman dependent masyado parents niya when we were living with them. Ngayon I really made a gap in terms of money aspect. I also noticed MIL won't directly approach me if she needs money. I always tell her na nagamit ko na. May pera ako but pambuy ng milk ni baby. So far hindi na sya nangungutang. Learn to say NO also. Mahirap pag hindi ka nagsasalita kasi minsan inaabuso din nila.
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