Buying something which you cannot aford.

[xninjax]

we have all SC tendencies.. iba ibang level lang

[xthine]

im just wondering....
may mga charges ang mga CC companies sa pag gamit ng CC nila (like annual fee, etc).
is it worth to compare it to the rewards na nakukuha mo sa kanila? kung yun lang ang habol nyo?

I think it depends on how you use the credit card. I have a few cards with annual fees that have travel perks and the reward points easily make up for the fees.


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[jmpet626]

Sayang din yung rebates and perks ng credit card for all purchases.. around 300 to 400 pesos a month din yung total ng rebates ko on average (gas and other stuff). Ok yung citibank gold na shell since may free towing siya parang AAP free as long as active yung card.

Madali din magpa waive ng annual fee as long as wala kang utang so sabihin mo lang na ayaw mo mag bayad ng annual fee and i cacancel mo na lang yung card. As long as bayaran mo in full yung statement mo and control spending.

[asb75]

Society today ay ibang-iba na, I miss the life inthe 80's, 90's & early 2000's.:bike:

[Retz]

bumili ng BMW pero wala naman pang gas at maintenance.

[CLAVEL3699]

bumili ng BMW pero wala naman pang gas at maintenance.

may kilala ako na ganyan... kapitbahay namin... hindi nga ginagamit eh baka na maluma.

[jansky]

ito recently lang
humihiram sa amin ng mahigit 20k.. para daw may pang gastos sa bday ng anak

anak ng kumag.. kung ano lang dapat kasi ang meron un na ang pagkasyahin..

nakakainis mga ganyang tao.. para lang may masabi na meron sila

pero di ko pinayagan humiram

[uls]

i'll borrow 20k to buy something i can quickly sell for 25k

[cpsolt]

totoo yan. isa kakilala ko taga call center grabe umarte pati pagsalita call center accent pa din kahit wala na siya sa trabaho feel na feel nya lalo nung nalasing panay ka sossihan pati starbucks ano ano daw flavor. di sa pagyayabang pag nakita mo bahay nila hindi bagay sa inaarte nya. mapapa wow ka

tapos yung isa naman nag grocery sila kasama family nya pinaswipe nya cc nya tapos kinuha ung cash sa ate nya pambayad pag dating ng bayaran wala na si cash na binigay sa kanya. nagamit nya na.abono tuloy sya hehehe! patong patong tuloy utang sa cc. naririndi na daw sabi ate ko

sa ate ko naman sabi ko gamitin nya lagi cc nya basta yung cash pambayad nya itabi nya na para di magastos. sayang points kasi at reward na pagkain e. ngayon napakinabangan namin mga reward panay pizza hehehe

nakakainis ang mga taga cc na inglisan nang inglisan sa elevator. ansarap ipitin ang ulo pinto. parang... uy... ano ba? umayos ka nga. i remember making money on some sc types na nangungutang sa akin ng 20% interest in 2 mos payable every suweldo. tapos makikita mong nasa baba lang nag-istarbucks at pa-yosi yosi.

[K.I.L.L.]

I wonder how much is the Philippine's credit card debt right now and how many delinquent and overdue accounts are out there.

[[archie]]

i'll borrow 20k to buy something i can quickly sell for 25k

agree it's pointless to finance something that depreciates once you pay. talo na sa interest, talo pa sa purchase price.

[Syuryuken]

i'll borrow 20k to buy something i can quickly sell for 25k

pwede pala kuha ako ng babae tig 200 bigay ko sa mga tsikoteer 5,000

[jick.cejoco]

pwede pala kuha ako ng babae tig 200 bigay ko sa mga tsikoteer 5,000

send pictures and contact number

[archielew]

I loaned a car from a bank. Only use it for driving my family, when we have "lakad", when I have errands to make, or when I just feel lazy commuting. Hindi naman hassle ang travel ko papuntang office e, 1pm pasok ko, 5pm uwi na. naisip ko din, sayang Gas at Parking, 4 hours lang naman ako sa office, parang di sulit ang pagdadala ng auto.

It added comfort to our family, may savings pa din kami every payday despite the MA of the car. No regrets.

And yes, I have Credit Cards, pero when the bills are due, I always pay the whole monthly due (not the minimum amount due).

[vinj]

I loaned a car from a bank. Only use it for driving my family, when we have "lakad", when I have errands to make, or when I just feel lazy commuting. Hindi naman hassle ang travel ko papuntang office e, 1pm pasok ko, 5pm uwi na. naisip ko din, sayang Gas at Parking, 4 hours lang naman ako sa office, parang di sulit ang pagdadala ng auto.

It added comfort to our family, may savings pa din kami every payday despite the MA of the car. No regrets.

And yes, I have Credit Cards, pero when the bills are due, I always pay the whole monthly due (not the minimum amount due).

Oks naman yan because the car is a tool for you and you can very well afford it. Yung hindi okay is yung magpumilit magka-car tapos hindi kaya i-support ang payments and maintenance, and it affects your day-to-day living standards.

[yebo]

ako may credit card. nagagamit ko pag may binibili ako para kay misis. like nung nanakaw yung iphone nya binilihan ko siya ng new iphone. nung bday nya binilihan ko siya ng perfume and bag.





pag dating ng bill si misis nagbabayad.

[vinj]

ako may credit card. nagagamit ko pag may binibili ako para kay misis. like nung nanakaw yung iphone nya binilihan ko siya ng new iphone. nung bday nya binilihan ko siya ng perfume and bag.





pag dating ng bill si misis nagbabayad.

Like!!! Hehehe...

Yan yung strange sa set-up din namin ni misis. We buy each other gifts pero at the end of the day, combined earnings naman kami.

[_Cathy_]

Like!!! Hehehe...

Yan yung strange sa set-up din namin ni misis. We buy each other gifts pero at the end of the day, combined earnings naman kami.

So you deposit your earnings in a joint account? Wala kayo secret account? hehehe. I sometimes imagine how does finances come up with couples that are gonna get married. This is something that I could never ask family or friends that are married. hehe.

My friend is a housewife and she mentioned to me that she does not even know how much her husband earns basta he gives her money and all her expenses are taken cared of. I find it kinda off. But then again if she stays at home lang and everything is paid for by the husband, who can complain.

[vinj]

So you deposit your earnings in a joint account? Wala kayo secret account? hehehe. I sometimes imagine how does finances come up with couples that are gonna get married. This is something that I could never ask family or friends that are married. hehe.

My friend is a housewife and she mentioned to me that she does not even know how much her husband earns basta he gives her money and all her expenses are taken cared of. I find it kinda off. But then again if she stays at home lang and everything is paid for by the husband, who can complain.

Yup, no secret stash for us. We just maintain a small balance in our own ATM accounts for day-to-day expenses. It's a good balance: she earns the money, I manage the cash flow.

[Syuryuken]

ako may credit card. nagagamit ko pag may binibili ako para kay misis. like nung nanakaw yung iphone nya binilihan ko siya ng new iphone. nung bday nya binilihan ko siya ng perfume and bag.


pag dating ng bill si misis nagbabayad.

wais!


:retzing: