how-to-be-debt-free-fast

How To Be Debt-Free Fast?

Jay Gregorio
Jay Gregorio

Sa mga nangyayari ngayon, talagang mababaon ka sa utang.

Wala kang kinikita dahil lockdown pero tuloy-tuloy ang gastos mo dahil bibili ka ng pagkain, gamot at personal care products kamukha ng sabon, shampoo at toothpaste. At hindi naman titigil ang pag-ikot ng metro ng mga utility bills mo.

Ayan na at parating na ang mga ka-tropa mong sila Meralco, Maynilad at si PLDT. Kasama din nila si Renta. Mukhang wala kang choice kundi mag-recruit pa ng bagong miyembro sa grupo na si Utang na ang height ay 5’6.

Naku, hindi mo alam kung excited ka pa bang matapos ang lockdown dahil sa dami ng mga bayarin na naghihintay sa iyo.

Ang tanong mo ngayon sa sarili, “Paano ba ako makakabawi?”

How can I be debt-free fast?

Good news! I will share with you four easy steps that will help you say good bye to debt for good.

1. Stop Digging

If you want to dig yourself out of a hole, then stop digging! Kaya ka nga nabaon sa utang dahil sa kakahukay mo to get more loans. Ang masaklap nito, dumating ka na sa point na umuutang ka para mabayaran mo ang mga utang mo.

Then if you don’t stop, you will definitely spiral out of control. Kung gusto mo talaga maging debt-free, kailangan itigil mo na ang kakautang.

Commit to stop all loan activities even using your credit card. Now is the right time to start living within your means. Kung ano man ang perang hawak mo, yun lang ang pwede mong gamitin.

2. Start Saving for Emergencies

Kailangan matuto kang magkaroon ng emergency fund. Kahit na kailangan magbayad ng utang upang mabawasan ito, kung kaya mong magtabi ng extra, gawin mo.

Kaya siya tinatawag na emergency fund because emergencies do happen. And if wala kang natabing pera for this, magagamit mo yung pambayad mo ng utang. Kapag nangyari ito, masisira ang commitment mo.

3. Set Aside To Pay More

Once you get the hang of budgeting your money like paying your debts on time and still being able to set aside an emergency fund, you can now up the ante by increasing the amount you pay to your creditors.

Find more money. Hanap ka ng extra income. Kapag nagawa mo ito, mas mabilis mong matatapos lahat ng utang mo.

4. Stay Motivated

Monitor your progress and while doing so, you will feel motivated to stay on track. You can see that what you are doing is working. You feel inspired. You are happy with all the good results.

Mas lumilinaw na ang kinabukasan mo. Mukhang malapit ka nang maging debt-free.

Being out of debt is easier said than done but it is very doable. Kailangan lamang ay matapang nating harapin ang mga problema. Huwag natin talikuran or takbuhan.

Kapag ginawa mo ito, pagbalik mo, mas malaki pa ang bubulaga sa iyo. We have to face our problems head on so we know what solutions we need to formulate to solve them. Kapit lang kapatid. Kayang-kaya mo yan!

For more helpful and inspirational topics, visit my other social media accounts.

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