paano kayo maningil ng utang..

**bender** · April 14th, 2007 10:16 AM

Originally Posted by shadow

simple lang yan, sabihin niyo ng harapan, sabihin niyo na kailangan niyo na rin yun pera...so on and so forth, yan ang problema sa atin pinoy, puro hiya...

I agree with this. Problem is, it's not just hiya on the side of the lender. The borrower can also become quite agitated because pinahiya mo daw siya.

Just as the saying that you can't really find time, you have to make time for something; there will be never be a time na magkakapera siya, kaya nga umuutang siya in the first place.

**hens** · April 14th, 2007 10:24 AM

may customer ako na tuwing sinisingil ko..hihiritan pa ako ng "masyado mo naman ako ginigipit eh"?

di dapat mahiya maningil..eh kung sila walang-hiya.

**dest** · April 14th, 2007 10:46 AM

ganito ang sabihin mo Sir.

" Pare gipit ako ngayon baka meron ka dyan? "

**shadow** · April 14th, 2007 01:13 PM

as I've said before, diretsahan mo sabihin, in a nice way of course..."pare, yun hiniram mo, kailang ko na.." what's wrong kung sabihin mo yun? mas mahirap yun paligoy-ligoy pa...eh totoo namna meron siyan inutang saiyo eh, yun humiram ba siya saiyo, nagpaligoy-ligoy ba siya? diba hinde? diretshan niyang sinabi na kailangan niya ng pera, so ganun ka rin dapat

**2slow** · April 14th, 2007 01:59 PM

Say it in a nice way tell him you need the money also. Ask for partial payment nalang muna para compromise.

Mahirap talaga basta sobrang close kayo ikaw parati least priority pag bayaran na. Ok sana may interest pag delayed ang payment. hehehe

**CVT** · April 14th, 2007 08:16 PM

Nasabi na ng lahat.

Isipin mong pera mo iyong hinihingi mo.

Kung may asawa ka,- isipin mong pera ninyong mag-asawa ang hinihingi mo.

Kung may mga anak ka,- isipin mong pera ninyong mag-asawa at ng mga anak mo ang hinihingi mo.

Nakakahiya pa bang maningil?

2401:massbounce:

**mbeige** · April 15th, 2007 04:40 AM

Same ako with Jedi, especially if it's really important (life threatening, needed for health, etc). Kung close friend ko, walang problema sa kanchawan kapag dumating yung time na nakalimutan niya ako bayaran. O kaya if he wants, and if I need something else, pabibili ko na lang sa kanya. Ayoko kasi yung dealing with money sa magkakaibigan.

Once I had a friend who asked me to buy her a pedal board here in the US, and that she would pay me back when I flew home to visit my wife. Back then kapapalabas pa lang ng GTA San Andreas and the new original copy cost the same as the pedal board, I said yun na lang ipalit mo sa akin para quits tayo. Awkward kasi kung pera eh. Just me I guess.

But now that I'm about to start my own family here, medyo mahirap na magpautang...

**oldblue** · April 15th, 2007 02:36 PM

use the wife as collector

**pup2** · April 15th, 2007 09:40 PM

For relatives or close friends na nagungutang, I always make it a point to lend ONLY what I can afford not to be paid back -- always. Sa ibang tao naman like customers, depende sa condition ko at sa condition din niya pero ang pine-pressure ko ng husto yung mga nagtatago or worse yung mga sila pa ang galit.