Buying something which you cannot aford.

[ClaNker]

Nescafe Brown 3-1 lang.

Yun! Mismo. Mas madaling kumuha ng debit card kaysa sa credit card.

Ewan ko lang sa iba kung bakit mas gusto magbayad in cash eh mas convenient at safer ang credit card payment. Kapag may error or mis-charge eh mas madaling i-reklamo.

Mismo!

Ewan ko ba sa iba. Baka naman hindi ma-approve ng credit card kaya cash na lang. Alam mo naman dito puro kwento lang at pataasan ng ihi.

OT:

Kapeng barako inumin mo BB, nawala kana ata sa sirkulasyon. Mga employee ng client ko tatlo-tatlo ang CC, eh mag kakano lang take home pay ng mga yun.

BTT:

Kanya-kanyang diskarte ng tao lang yan, may iba ayaw ng plastic dahil mahirap na. Yung iba naman gusto ng plastic pero may disiplina. This thread is about the people who spend on things they can't afford. Dito papasok ngayon ang CC dahil pwede silang kuskus dito kuskus don, tapos balaha na si batman pag dating ng bill. Walang kinalaman ang mga tao dito na gumagamit ng CC pero alam controlin.

OT:

Walang pataasan ng ihi dito, preference lang. Ikaw ata tong gustong mag yabang eh, kulang na lang sabihin mo na pulubi mga walang CC dito at nag kukunwari lang na ayaw ng CC.

Ako bukod sa Debit Card ang gamit ko eh may checking account din ako para sa amortization. Ano ba minimum requirement ng Checking Account? Parehas ng CC na 50K and credit limit.

Anak ng teteng kapeng barako inumin mo BB. :hysterical:

[Retz]

^

meron kasi sa cc ung minimunt amount due kaya un lang binabayad ang hindi alam malaki pala interest.

[xthine]

Karamihan sa mga call center agent na kakilala ko, after nila maka one year sa work, nagbibilihan ng mga bagay na akala nila ay kaya nila. One example is buying a car (mirage). At first tuwang tuwa siya dahil de kotse na siya, however, after a number of months, nalaman ko na lang na patong patong na pala ang problema niya sa pera. Hindi nya inexpect yung mga additional expenses sa pagkakaroon ng ganung "privilege" like gas, maintenance, parking, accessories. Ganito ba kayo?

I don't think so. When I buy certain things that are higher end I expect that maintenance and upkeep will likewise be on the higher price range. I also expect better customer/after sales service.

[ClaNker]

^

meron kasi sa cc ung minimunt amount due kaya un lang binabayad ang hindi alam malaki pala interest.

Mismo. Sa bandang huli eh tambak na ng bills at walang pambayad. Yung mga binangit kong employee ng client ko eh 300-400 lang daily rate ng mga yun, pero tatlo-tatlo ang CC. laki ng mga utang, hirap sa pag bayad pero mamahal ng cell phone, kakahiya tong CP ko pag tinabi sa CP nila. Wala pang 6K tong CP ko eh.

[Retz]

^

mas mahal pa ata ung shitsu mo sir coder kesa cp mo.

[dreamur]

How about those whose atm cards were already surrendered to the loan sharks?

Sent from my GT-P3113 using Tapatalk 4 Beta

[_Cathy_]

^

mas mahal pa ata ung shitsu mo sir coder kesa cp mo.

Pitbull na siya ngayon.

[ClaNker]

^

mas mahal pa ata ung shitsu mo sir coder kesa cp mo.

Pitbull na siya ngayon.

OT:

Ika nga ni Cathy eh PitBull na ako ngayon.

Di lang talaga ako mahilig sa gadget. Kakatawa dahil ang industry ko ay IT, latop lang at CP na pang text at call solve na. Libre pa yang laptop ha, dalawang laptop ko bigay lang ng client at ang CP free ng SUN plan 600. :hysterical:

Sa kuripot kong to eh wala talagang silbi ang CC sa akin.

[macsd]

mahirap ung ganon sir blacklisted ka na sa lahat. maliban na lang if you change your identity ala identity thief movie.

More often, they don't know about this thing. Ang alam lang nila, meron silang means to get hold of what they want. To settle it is another story. Worse, this kind of people don't die early.

[Retz]

^

Ung mga ganon klaseng tao sinesettle pa ba nila ung cc payment? I doubt it.

[jick.cejoco]

the question here lies that most of the items they purchase that they might not be able to afford is: is it necessary? if it is, you have no choice, if it makes money or is an investment it is okay. the problem with filipinos in general is that we, filipinos are very materialistic and showy to the extent that some women sell *** just to be able to purchase things of bling. flash seems to be more of importance than substance and dignity

[1D4LV]

basta ako, i only buy things in cash. kung walang cash, walang item.
so far, i've bought cars na cash basis lang.
i think the only loan i got is a housing loan, na matatapos na rin in three years.

[uls]

cathy mentioned revolving credit...





Americans used to make enough money to support their high standard of living



then wage growth stagnated in the 1980s so they had to go into debt to maintain their lifestyle

and it's been that way ever since

the US economy relies on debt-fuelled growth

the line in the chart should not have been interrupted

but it came to a point when there was so much debt people couldnt keep up payments

peak debt in 2007/08

[holdencaulfield]

when they were making the decision to buy new car inisip lang nila kung kaya nila ang monthly payments

di nila inisip yung additional costs of having a car PLUS the lifestyle that comes with having a car

aside from gas, maintenance, parking etc pag may car ka na mas gaganahan ka pumunta kung saan saan... gimik, food trip, road trip... syempre lahat ng lakad na yan may gastos

gusto nila umangat ang standard of living nila (sino ayaw?) pero masyado nagmadali di naman kaya ng income

panalo ka talaga uls!
ako lang personally, ayaw ko ng sasakyan. kung wala lang akong anak, mag motot o jeep lang ako.

hindi matatanggap ito ng mga call center agents pero masakit mang sabihin karamihan sa mga yan ay hook sa isports ng

sosyal climbing.

andami kong kilalang climbers.

[CVT]

This makes me feel so nostalgic! I remember as a child, people always brought a cheque book around. Blank cheques were the ultimate gifts back then. hehe.

Actually, sa US Sis,- there are a few who are still paying with cheques, even in groceries .... Hindi puwedeng tumalbog ang tseke nila dahil siguradong tatama sa kanilang credit history.....at paktay sila....

20.3K:pump:

[Boy Bastos]

OT:

Kapeng barako inumin mo BB, nawala kana ata sa sirkulasyon. Mga employee ng client ko tatlo-tatlo ang CC, eh mag kakano lang take home pay ng mga yun.

BTT:

Kanya-kanyang diskarte ng tao lang yan, may iba ayaw ng plastic dahil mahirap na. Yung iba naman gusto ng plastic pero may disiplina. This thread is about the people who spend on things they can't afford. Dito papasok ngayon ang CC dahil pwede silang kuskus dito kuskus don, tapos balaha na si batman pag dating ng bill. Walang kinalaman ang mga tao dito na gumagamit ng CC pero alam controlin.

OT:

Walang pataasan ng ihi dito, preference lang. Ikaw ata tong gustong mag yabang eh, kulang na lang sabihin mo na pulubi mga walang CC dito at nag kukunwari lang na ayaw ng CC.

Ako bukod sa Debit Card ang gamit ko eh may checking account din ako para sa amortization. Ano ba minimum requirement ng Checking Account? Parehas ng CC na 50K and credit limit.

Anak ng teteng kapeng barako inumin mo BB. :hysterical:

I'm very sorry to hear those words from you, ClaNker. Please accept my apology if you are affected with any of my previous posts in this thread.

Oo nga. Expect mo na rin na madami magpopost dito ng cash lang sila kung magbayad dahil ayaw ng credit card maski hassle magdala ng cash sa mall.

Of course, cash payment is good but it is better to have a credit card. If you don't have a credit card, it's either you don't have a bank account of your own or still living with your payrent's money.

Mismo!

Ewan ko ba sa iba. Baka naman hindi ma-approve ng credit card kaya cash na lang. Alam mo naman dito puro kwento lang at pataasan ng ihi.

I really understand if you were denied by a Credit Card company or has a previous bad experience on a CC usage, daddy/mommy didn't allowed it, insufficient balance, etc. For whatever reason, it might have touched your ego or feelings for you to say those kind words against me.

Also, debit card, ATM or cheque payment is as same as paying in cash so no need for further explanation and sharing your personal day-to-day transactions. I appreciate the effort.

I also really admire the courage of those people who prefer to carry bulk of cash in their wallets, load up their ATM with 6 to 7 digits currencies, signing cheques for payment, etc. for their monthly payment/dues on time in full, shopping, etc.

There are also people who don't know how to control their spendings that is why they prefer cash payment.

There are also people who don't know how to maximize CC usage like earning points, discounts and other freebies.

There are also people who don't know how to pay their CC dues in full and just pay the minimum fee.


So, again, I apologize to ClaNker if he was offended by my previous posts in this topic.

[xwangbu]

CC is still convenient lalo na sa items that are on installment basis.
pag me item ako na gustong bilhin kahit me available cash,
I still prefer using CC IF its on zero-percent interest naman.

just pay on time and don't incur additional charges. and also, don't
max out your limit.

I have a car loan - i've seen it as a necessity for my family.
and its a car na i believe is not that expensive pero sulit ika nga.

di ko kayang kunin ng cash so I had to spread the payment for four years.
sayang yung interest pero i have other use for our cash.

[vinj]

andami kong kilalang climbers.

Buti pa dito sa tsikot... mga mahilig sumisid at mag swimming lang. :naughty2:

[Ry_Tower]

Buti pa dito sa tsikot... mga mahilig sumisid at mag swimming lang. :naughty2:

Parang si LSB yan ah, kakapost niya lang nang current sisid adventures niya ah.

[cast_no_shadow]

Guilty of this nung kakagraduate ko lang, for a small paycheck gusto ko magkaron lahat ng gusto ko.

im so dying to have a credit card that time, lagi ako disapproved. Time comes nabigyan na ako siguro 4 cards ako meron that time

at first sige swipe lang, bili at kain kung saan saan. Then i got lost managing my finances. Thankfully na settle ko na lahat.

Now isa na lang card ginagamit ko. Hindi masama ang CC, at the end of the day nasa tao pa rin yan. DISIPLINA.

Hindi ka nga gumagamit ng CC pero cash on hand mo ubos at kulang din, wala din pinagkaiba ang dalawa.

Weighing the pros and cons ng CC, for me mas malaki ang advantages ng may CC.

I'm not fond of carrying huge bills in my wallet/bag. Sa panahon ngayon nakakatakot.