Author Topic: How do you say NO sa mga NANGUNGUTANG sayo?  (Read 54896 times)

lovemeagain30

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #300 on: February 12, 2017, 03:34:43 pm »
mukha kasi akong masungit at known sa pagiging kuripot kaya siguro natatakot akong utangan. hihi! :)

RoadrunnerXCX

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #301 on: February 15, 2017, 06:13:40 pm »
i felt bad recently  as we lent money to my hubby's relative then  after a week or so the child of his relative  posted a pic on fb wearing braces na with caption "finally." i thought  there was an urgency or something kaya nag go ako pero mygosh to spent for braces nowadays...that could definitely wait.
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ficklemind

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #302 on: February 16, 2017, 12:12:32 pm »
^ sinabi ba nila sis nung nanghiram sayo san nila gagamitin?

Normally I would say "wala akong pera" or "may pinaglalaanan ako, baka ako naman ang mashort"
Buti hinde kami active ni hubby sa FB kaya walang way yung mga nangungutang sakin to verify kung poorita talaga ako.
« Last Edit: February 16, 2017, 12:36:51 pm by ficklemind »

D4thAngel

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #303 on: February 21, 2017, 06:54:45 am »
I tell them, ibabayad ko sa credit card and pera ko. Kung magpapahiram ako, di ko mababayaran ng buo at magbabayad pa ko finance charge.
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summer2017

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #304 on: June 27, 2017, 03:57:06 pm »
I've been feeling guilty lately.  I have a long time friend wayback highschool na ilang beses na lumapit sakin to borrow money. Pinapaikot nya money nya for her spa business.  Eh never talaga ako nagpapa-utang because unang-una, ayoko ng naniningil, nahihiya ako and I only lend what I can afford to lose.  I give referrals naman sa mga nagpapa-utang talaga. But sometimes, di maiwasan, she needs money to augment her business.  I'm single and she knows na I somehow have extra so I feel guilty.  Like last week,  I said no again for the nth time. Nagbabayad naman sya, responsible but knowing her, pag kwento sya sakin, madame syang nasasabing negative sa mga naniningil sa kanya and I don't want that to happen to us.  Yun lang talaga, I feel guilty  :o

tomatostellar

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #305 on: June 28, 2017, 04:27:20 am »
^kaka-turn off naman si friend, sya na nga tong pinaheram. Huwag ka na ma-guilty. It's your money anyway. Di ka obligado to keep her business afloat.
Remember, how she speaks about other people is most likely the same way she speaks about you to others.
Who knows, baka ganyan na din sya magkwento sa iba about you not lending her.
« Last Edit: June 28, 2017, 04:32:33 am by tomatostellar »
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plumpolka

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #306 on: June 28, 2017, 10:21:03 am »
i just tell them wala akong ganong pera at may babayaran din ako. although bihira lang may manghiram sakin kasi mukha akong masungit at mataray, meron parin mangilan ngilan na nagmemessage sakin (FB) na lang. mas madali mag decline.  ;D
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samtorini

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #307 on: June 28, 2017, 10:45:59 am »
Kanina lang may nanghihiram sa akin, 30K pambili ng computer or laptop ata for her "job". Tinanggihan ko, saying na enough lang suweldo naming mag-asawa sa bayarin. Oo, "nakakaguilty" after, pero ayoko na ma stress. Sobrang na stress ako sa huling pinahiram ko na pera.

Kaya ngayon, kahit magkano di na talaga ako nagpapautang

lonely_dad

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #308 on: June 29, 2017, 08:12:56 am »
hirap na nga ako sa tuition ng anak ko tapos magpapautang pa ako?

DeathToMondays

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #309 on: June 29, 2017, 09:54:08 am »
Friend: Uy, may [insert amount here] ka ba? Babayaran ko agad, please lang.

Me: Wala akong ganyang pera.

Friend: Ang sama mo naman, babyaaran ko naman agad, eh.

Me: Nangungutang ka na nga lang, tatawagin mo pang masama yung inuutangan mo?


Ours is a culture where saying 'no' to things we cannot and don't want to commit to demonizes us. Even if we had enough money to spare, it's still our prerogative as to how we use it.

Barring emergencies, what people need to learn is to live within their means, not inconvenience others so they can maintain a comfortable lifestyle they can't afford. 

kvan

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #310 on: June 29, 2017, 10:41:52 pm »
Kaloka! Ang sama mo dahil ayaw mong magpautang...LOL! Hindi ko kinaya ang kapal ng mukha.
"Do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own" ---Matthew 6:34

summer2017

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #311 on: June 30, 2017, 09:33:06 am »
In fairness naman kay friend, nagbabayad naman talaga yun sa mga pinagkaka-utangan nya.  Ayoko lang talaga magpa-utang. Hehe. She's a single mom of 3.  Nag-text nga ulet last night and tried to borrow again.  Sabi ko na lang, negative talaga girl.

lisse

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #312 on: July 03, 2017, 03:29:23 am »
Naalala ko nung time na short na short talaga ako dami ko tinext at kinausap para mangutang. First time kong ginawa yon at first time ding mangutang. Sadly ni isa walang nagpahiram sakin. Because of that incident natuto talaga akong maging super ingat sa finances ko. Kaya ngayon pag may nanghihiram sakin, automatic no, I can't sorry ang sagot ko. Except pag siblings ko spoiled sakin mga yon eh and kahit minsan never pumalya isoli pera ko. Samin eh si daddy lang talaga hndi nagbabayad eh LOL!

shygirlme

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #313 on: July 03, 2017, 09:49:41 am »
How about those na gusto unahin nyo muna sila pahiramin bago nyo gamitin sa iba yung pera nyo? eto lagi ko naririnig sa mga nanghihiram, baka pwede pahiramin muna bago ko ipambili o kaya laging sayang sana pinautang muna sa kanya bago ko unahin bumili ng ibang bagay?

kvan

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #314 on: July 03, 2017, 10:20:05 am »
You still have the right to say no. Your money, your rules. Hindi sila kasama sa plano mo when you earned that money so they don't have the right to complain.
"Do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own" ---Matthew 6:34

plumpolka

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #315 on: July 03, 2017, 04:20:18 pm »
^^ di mo obligasyon magpautang ng pera. di ka naman nagttrabaho para sa kanila. wala silang pakielam kung paano mo ihandle yung finances mo dahil lang di nila nahandle ng maayos yung finances nila.
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LilaFowler

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #316 on: July 10, 2017, 07:53:18 am »
Ito issue ko, I have a friend na lagi ko naman pinauutang kasi lagi naman sya nagbabayad. Pero lately ang tagal na bago sya magbayad so parang ayaw ko na sya pautangin.

We go shopping together sa Costco and I will pay for everything on my card.  The last couple of times, nagpa transfer sya thru paypal. Medyo malaking amounts ang nagiging utang nya, nasa over $500 usually.

In the beginning binabayaran nya kaagad, pero last few times, ang tagal nya bago bayaran. Like I have to follow up mga 2-3 weeks na wala pa din.

 Ang excuse nya, she asked her bf to transfer the amount to me and akala daw nya nabayaran na also nagpalit daw sya ng phone di daw nya nakita yung messages ko.

Di ko alam how to say no considering may history of me lending her money.





yellowminion

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #317 on: July 10, 2017, 01:03:32 pm »
I just tell them na allowance ko lang available cash ko. Naka-forced savings kasi ako sa coop sa office namin-which is true naman- kaya wala akong available cash. Di ako nagi-guilty ngayon kasi na-experience ko na rin na ma-short sa budget just to accomodate other people. Basta say No politely lang tapos pag nagpumilit, stay firm with your decision. Except pag immediate family, basta pag may extra ibibigay ko kasi nagbabayad agad.

kvan

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #318 on: July 10, 2017, 10:36:45 pm »
^^Just tell her that you can only lend her this much up to a specific time frame. Give her a warning kapag naulit ulit then just say no, you can't afterwards. At wag mo ng isama sa shopping.
"Do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own" ---Matthew 6:34

marssie

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Re: How do you say NO sa mga NANGUNGUTANG sayo?
« Reply #319 on: May 15, 2019, 08:30:53 am »
Ang hirap talagang mag NO lalo na pag nasa abroad ka at nakikita nila na nagbabakasyon ka, bumibili ng car, may bagong Bahay at kung [textspeak!]-ano pa... mindset kasi ng karamihan pag abroad ka may ipon ka, may pera ka, may pwede ka ipangutang, hindi nila alam bago ka magkaroon ng ipon, ilang dugo at pawis, pagod at Puyat at pinagdadaanan mo para lang may maitabi ka para sa sarili mo, sa pamilya mo at hindi ka mang aabala ng iba sa oras na nangailangan ka.  Nakakainis lang kasi na minsan hindi nila maintindihan na hindi ka nag iipon para ipangutang sa iba. 

Meron din akong pinahiram, tumanaw lang ako ng utang na loob dahil nung panahon na nangailangan kami sila din ang tumulong, until now hindi pa nagbabayad almost a year na but I still feel okay kasi nag paparamdam sila at nagsasabi na wala pa which is naintidihan ko din naman dahil alam ko pinag daanan nila at ginamit yung pera sa pagkakasakit at awa ng Diyos ay hindi naman pa namin kailangan, kumabaga extra money ko talaga yun para sa family ko and since I treat them like a family okay lang.


 


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