26/08/2025
3 habits ng mga taong debt-free.
May kilala ka bang tao na walang utang? 'Yung tipong hindi sila stressed sa bills o sa pagko-compute kung saan nila kukunin 'yung pambayad sa credit card?
Ang sarap ng ganong feeling diba? Walang stress, walang anxiety every month. And I've noticed na 'yung mga taong debt-free, may common habits sila na ginagawa consistently.
Habit number one: They set a goal to be financially free.
Hindi lang debt-free 'yung ultimate goal nila. It's just one of the milestones papunta sa totoong goal na financial freedom.
Big difference 'yan.
Kasi think about it: Kapag debt-free lang 'yung goal mo, once na-achieve mo na 'yun, ano na? Wala ka nang drive para mag-continue sa financial journey mo.
Pero kapag part lang siya ng bigger picture, mas motivated ka na mag-continue.
Setting a high goal with many different milestones will help you feel progress.
At habang natatapos mo 'yung mga milestones na 'yun, like emergency funds, becoming debt-free, first 100k saved, first million, at marami pang iba, mas lalo ka pang namo-motivate na magtrabaho para sa goal na 'yun.
Habit number two: They compute the REAL cost of what they buy.
Debt-free people are smart spenders. Before sila bumili ng anything na malaki, especially kung through installment, kinukuha nila 'yung calculator at kino-compute nila 'yung totoo nilang babayaran.
For example, if you're thinking about buying a car tapos mababa 'yung downpayment mo, for sure, mas mataas 'yung babayaran mo monthly. 'Yung utang mo kasi, nagco-compound monthly.
Let's say gusto mo ng car worth P1.5 million. Kung 20% down payment mo, that's P300,000. Remaining balance: P1.2 million.
Sa 5 years na financing with 29.60% interest per year, 'yung monthly mo is around P25,920. Total mo after 5 years? P1,855,200. Mas malaki than what you intended to spend.
Bukod pa 'yan sa time, effort, at opportunities na mawawala sa'yo.
Now, of course that’s how interests work. At reasonable pa ‘yung loan amount sa bangko.
Pero kapag dinagdagan mo pa ng emergency loans, personal loans, consumer debts, talagang mawa-wipe out ka. Tapos ang kita mo lang per month is around P50,000.00. Ikaw lang din ang mahihirapan.
Habit number three: They plan and save before buying.
Hindi sila basta-basta bumibili, especially kung big purchases. Debt-free people plan for their expenses.
May timeline sila, may target amount, may specific strategy kung paano nila makakakuha ng pera. In short, they practice delayed gratification.
Going back sa car example, kung nag-ipon ka ng P750,000 bago ka bumili, 'yung remaining balance mo na lang is P750,000.
With the same terms, 'yung monthly mo becomes around P16,200 na lang so mas mababa na ‘yung total na magagastos mo.
Remember this: Being debt-free is not about depriving yourself. It's about being intentional with your money so you can have more choices in life.
