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Author Topic: Debts, how to get out of it?  (Read 4278 times)

happiemom

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Debts, how to get out of it?
« on: November 06, 2013, 02:00:29 pm »

my problem started when my mama died this year,wala nandin akong papa 3yrs na. Wala ako kapatid.so nabaun nako sa utang kasi since nagkasakit mama ko naipon din yung kuryente.may 1yr old baby ako,wala work asawa ko kasi siya nag aalaga.gusto kona matapos bayarin ko.pagnasusulynan ko. Utang ko,nagkakautang ulet ko. Hiram walang malapitan ng tulong. Kayo pano nyo nasosolve problem nyo?

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If You're a Parent, You Have Debt. How to Pay It Off and Actually Save Money

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« Last Edit: January 10, 2019, 09:57:49 pm by Mommy Jazz »
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Mommy Jazz

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Re: Debts, how to get out of it?
« Reply #1 on: November 14, 2013, 10:40:58 am »

Your husband should work na kasi yung kikitain niya makaktulong sa financial problems niyo, even cover the payment of the yaya.  Pwede ding makiusap muna sa relatives na iwan ang baby sa kanila sa umaga until makahanap na ng trabaho at makakuha ng yaya. Also ask your barangay day care kung ano sistema nila.
About the utang and financial resposibilities (like bills), list it down according to date ang priority. It would be wise kung unti-unti ang pagbayad, hindi yun buo agad. This should still be OK sa pinagkakautangan mo na hindi pa naman malaki ang need, kasi nakikita nila na kahit papano, pinagsisikapan mo silang bayaran.
Makakatulong din ang sideline, buy and sell sa workplace pero in any raket, you have to spend some to earn.
Don't fall for get-rich-quick schemes kasi wala naman talaga. You will definitely recover pero hindi kaagad-agad. Basta walang bisyo at wise kayo sa pag hawak ng pera. Of course, always ask for guidance.
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mommy_tl

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Re: Debts, how to get out of it?
« Reply #2 on: November 14, 2013, 11:30:38 am »

we were at that situation dati sis..here are the things we did. hope you can pick up some:  ;)

*increase income - even when both me and my husband were still working, it wasnt enough; so nagsideline kame..we were into buy and sell, direct selling, 2nd job
*decrease expenses - we have to lower down our lifestyle; mahirap yung adjustment but knowing that this isnt gonna last forever anyway encouraged us
*we listed all debts and we paid the smallest ones first.. once settled, we crash it out the list. gives us a sense of fulfillment..for bigger debts, we made installment arrangements..yung iba allowed us to pay when able..
*we had savings (kahit very small amount) para in case of emergency eh may makukunan at hindi na uutang

we also cut our credit card..it is a temptation which may just lead to greater problems.
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daddy mike & mommy_tl & baby zeik

happiemom

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Re: Debts, how to get out of it?
« Reply #3 on: November 20, 2013, 05:12:10 pm »

mommy_tl, thank sis!  nabayaran ko na yung utang iba kong utang..at ngayon sinusubukan ko magtipid ng todo para hindi nako makautang bago sumapit ang suweldo..sana mag wagi ako:)
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mayde77

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Re: Debts, how to get out of it?
« Reply #4 on: December 09, 2013, 02:40:31 pm »

first thing that you should keep on mind is don't try to make utang just to pay off your other debts kc walang katapusan yan.It is much wiser if you could loan cash and invest on a business.Since your husband is not working you can ask him to help you out produce extra income like kung nag oopisina ka you can sell meals in your office for extra income.Saving is good but doesn't guarantee you to be out of debt instead kailangan mong dagdagan ang source of income mo.You can also try buy and sell.Yung ibang stuffs na hindi na ginagamit na pwedeng maging cash.
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happiemom

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Re: Debts, how to get out of it?
« Reply #5 on: December 10, 2013, 05:34:54 pm »

thanks mga moms, pina aaply ko husband ko sa homebase baka sakali makapasa sya kasi wala kami puwede pag iwanan kai baby...di ko parin kasi napprocess yung lump sum ng mama ko sa sss malikng tulong un para makapgstart na kami ng business since may background sya sa mga footwear...
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MommyniAddie

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Re: Debts, how to get out of it?
« Reply #6 on: December 10, 2013, 05:43:11 pm »

Dapat talaga dalawa kayong may work..sa panahon kasi natin ngayon di na ubra na isa lang...ang daming needs ng mga bata plus ang taas pa ng cost of living natin...kahit kami naman may mga utang rin, talagang doble ang pagtitipid pwera lang siguro this season...Pray lang palagi sis at sana nga makapagstart kayo ng business ni hubby mo :)..God bless
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AnJelatine

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Re: Debts, how to get out of it?
« Reply #7 on: December 28, 2013, 05:23:22 pm »

Ang ginawa ko sa may mga utang saken - Gumawa kame ng contract, nakalagay doon yung date of payment and kung how much. Sample every 15th and 30th of the month, mag bayad sila ng P3,000. And penalty kapag delayed. Matatapos din :)
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simplengmisis

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Re: Debts, how to get out of it?
« Reply #8 on: February 07, 2014, 11:47:21 am »

panu po nakakakuha ng contrac? Hindi ba jahe magpapirma? Panu kung kamag anak? Panu kung hindi sumunod sa kuntrata, pewdi bang prueba yun sa pulis?
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