Dealing with family members, relatives, and friends who ask for our financial help can be tough and difficult. Thus, we should learn when and when not to help family, relatives, and friends. Dapat alam natin kung kailan tutulong o hindi tutulong sa mga kapamilya, kapuso at kapatid. Kami, may standard operating procedure patungkol sa pagpapautang. Let me share it with you:
First, Linawin – Utang ba o Hingi? ‘Di ba kung minsan, ‘pag may lumapit sa inyo at binigyan n’yo ng pera at hindi nagbayad, asar na asar kayo? Nakangiti pa nga sa inyo pero hindi naman nagbabayad! Asar na asar talaga kayo! Sila, tuwang-tuwa sa inyo kasi nagbigay kayo ng pera, hindi utang! (Sa isip n’ya kasi ay bigay ‘yun.) Habang buhay na kayong maaasar kasi hindi n’ya alam na utang pala ‘yon. Linawin n’yo dapat.
Second, ask for post dated cheque/s (PDC) or promissory note. Pati sa kamag-anak, magandang may dokumento. Alam n’yo kung bakit? Kung mahihiya kayo na humingi ng mga dokumento, mahihirapan kayong maningil. ‘Di ba kapag hindi nagbayad ay galit na galit kayo? So, hindi baleng magkahiyaan sa paghingi ng PDC, ‘wag lang magka-awayan!
Ano ang pinakamahirap sa pagpapa-utang? Paniningil! Sino ang nahihirapan kapag singilan na? Kayo!
Ano ang pinakamahirap sa pagpapa-utang? Paniningil! Sino ang nahihirapan kapag singilan na? Kayo! Ang labo! Kayo na ang nagpa-utang, kayo pa ang mahihirapang maningil! Gusto n’yong maiwasan ito? Hingan n’yo ng post dated cheque/s. Kung ayaw magbigay, anong ibig sabihin ‘nun?… Magbabayad kaya sila?… Kung may PDC ka, pagdating ng bayaran, sino ang magmamaka-awa? Kung wala pa s’yang pera, tatawag siya. “Pwede bang ‘wag mo munang i-encash or i-deposit ‘yung check?” Sino ang dapat makiusap? Dapat siya! Siya ang may utang eh! Ang nangyayari, baligtad! Tayo ang inutangan, tayo ang nagmamaka-awang maningil. Parang mali ano?
Eh, paano kung walang postdated cheque? At least promissory note. Madali kasing makalimot ang mga may utang. Promisory note ang katibayan ninyo na may utang sila sa inyo.
Third, Kung sakaling magpapautang o magbibigay, make sure na alam ng asawa ninyo at may agreement kayong dalawa. Ang punto dito ay it’s not “my” decision, its “our” decision!
(Excerpted from Vic and Avelynn Garcia’s book entitled “Kasusweldo pa lang ubos na?” available in National Bookstore, Powerbooks, Bestsellers, Fullybooked, OMF, PCBS, Praise, and other leading bookstores nationwide. Also available in Unleash International Bookstore. For details, please contact 0922-UNLEASH(8653274) or 6640892, 6320148 local 8002-8003.)
Vic Garcia is currently the President and CEO of Unleash International Corporation, a high-tech, high-touch, high-impact training company whose main mission is to unleash the highest potential in people towards success, happiness, and significance through licensed and originally authored, world-class, high-impact training programs. Vic has been in the business for more than 20 years and has gained the trust and confidence of countless organizations. He is also the author of the Unleash Workbook and Unleash Learning Systems. His area of competence varies from work and life improvement, financial management, leadership, system, productivity, team building, and other specialized seminars that will unleash the highest potential in people. He served as a consultant and a management coach to a number of CEOs and leaders of different companies. He is often invited to different television and radio programs to share his expertise in unleashing the highest potential in people.
Learn and apply practical ways of effective financial management through easy and doable techniques when you follow this series weekly. Follow Vic & Avelynn Garcia on Twitter, @AvelynnGarcia. Also, visit www.unleashinternational.com and Unleash International on Facebook: www.facebook.com/unleashinternational.
