Wednesday, June 15, 2011

Expend



I used to have 4-5 credit cards and I know that you know how it’s hard to maintain such cards especially kung sabay sabay dumating ang bill. It could be a mess if we don’t handle and manage our financial obligations in proper. The temptation to spend is always there. Masarap gumastos pero para sa di-kalakihang kinikita, patay ang delihensiya. So we better spend wisely at makinig sa konsensya!


Now I know my lesson. I cut down some of my credit cards at gamitin lang kung kinakailangan.


CreditCards.com says:







16 comments:

Hi I'm ROY said...

until now im afraid using a credit, i prefer to use debit cards.

nice post pre.

morning.

Keatondrunk said...

@roy: according nga sa facts, mas mrami gumgamit ng debit card dami rin kc fraud ngayon pagdating sa credit card. thx

SunnyToast said...

ako rin I used to have 5 cards pero ngyn isa nalang and I only use it for e tickets. I prefer debit card.

great post!

bloggingpuyat said...

dami mo palang credit card. only have one pero cautious gamitin, mahirap mabaon sa utang. hehe..

ahwod said...

dati feeling ko pag may credit card ka astig ka, pero nayun feeling ko pag debit card gamit mo mas astig ka( feeling ko lang yon hahah)

khantotantra said...

wala akong credit card at gusto ko magkaroon para makapagbook ng mga promo flights. lols.

emmanuelmateo said...

maganda nag may credit card lalo na kpag wala kang pera pwede kang mag grocery khit wla pera bsta me credit card

canonista said...

Dati ayokong magkaroponng credit. I never applied for one but a financial institution gave me one. The card was so exclusive that only a few have it these days. Anyway, so I gave in and activated it. It turned out to be a blessing and a big help in my finances. I am just very careful not to charge too much.

The key is to always check the running charges and think if the next payday's pay out will be more than sufficient to pay the total bill. Specially if all the utilities are auto-charged through the credit card; that way the bill is always in check. making sure I always pay my monthly credit card in full.

Leah said...

Ako, walang credit card. lagi akong may dalang cash. hahaha!! charot lang.

Gusto ko sanang magkaroon pero parang meron lang ako hesitations.. kasi magastos na nga ako kapag may pera, panu na lang kaya kung meron pang credit card? siguro mababaon ako sa utang. lol.

bonbon™ said...

i have one.
sabi ko dati for emergency lang.
nako. sobra ang temptation. i almost maxed out my limit considering feb ko lang xa nakuha.

-- now i don't bring it with me. pero me instances na nagagamit ko parin kahit di importante.
-- pero i'm paying my bills naman. mahirap mabaon.

it's a good post. reminder.

Jyoti Mishra said...

I neither have a debit nor even credit card :)
right I use my dad's debit card.

But I agree that e should always watch our spending before they go beyond control.

Nice post !!

Keatondrunk said...

@sunnytoast: more on sa online payment rin ung gamit ko ngayon..

@bloggingpuyat: tama mahirap mrmi utang hehe

@ahwod: oo bro kc ibig sabihin ng credit card uutang ka hehe, sa debit card may cash ka

@khanto: cge bro apply ka, dali nlang ngayon

Keatondrunk said...

@emmanuel: ska pang-emergency rin..

@canonista: kelangan tlga namomonitor rin kc minsan wlang kontrol kaskas lang ng kaskas. thx

@leah: wow dami cash penge hehe! mataas tlga ang temptation na gumastos kapag may card

@bonbon: yan nga cguro tama wag nlang dalhin ang card para di mapagastos

@jyoti: yes we must know the limit, thanks.

palakanton said...

hirap tlga pg gnun ng credit card! have phobia on that

Traveliztera said...

hayyyyyy credit cards--they give u mini heart attacks

KikomaxXx said...

hahah buti wala pa akong account...

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