Author Topic: Paano maningil ng utang politely?  (Read 13258 times)

Annie M.

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Paano maningil ng utang politely?
« on: May 17, 2014, 04:37:12 pm »
Mga sis, may tips ba kayo kung paano maningil ng utang sa taong parang nakalimutan na na bayaran ka?

A close friend borrowed money from me almost a year ago, pambayad sa tuition ng anak nya. Inaanak ko din yung bata so pinautang ko naman. The amount was 25k. Not a very big amount, but not small, either. Sabi nya huhulugan daw nya ako every month. Ang reply ko (and maybe I was wrong to say this) was "Bayaran mo na lang kung maluwag ka na."

I still see my friend regularly, siguro at least once every month pag nagkikita-kita yung group namin to have coffee/dinner and tuwing merong may birthday. I have never brought up the issue kasi hindi ko pa naman kailangan yung money. Pero feeling ko baka nakalimutan na nya. Walang hulog kahit isa. And she has never brought it up, either.

Now that I am trying to beef up my emergency fund gusto ko sana singilin, pero di ko alam paano. Baka kasi nakalimutan na nya? Ang awkward.

Also, I know na medyo hirap sya kasi 2 anak nya eh. Eh ako naman single, sarili ko lang iniintindi ko (though I am getting married late this year). Strictly speaking di ko naman talaga kailangan.  Pero it would be nice to get paid, kahit konti-konti.

Paano ko ba ibi-bring up yung utang, which happened almost a year ago?






« Last Edit: May 17, 2014, 05:14:10 pm by Annie M. »

aquacharly

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Re: Paano maningil ng utang politely?
« Reply #1 on: May 17, 2014, 08:12:14 pm »
Tell her straight to her face:  puede ba bayaran mo na ko ng utang mo? I need to make deposits for a lot of wedding requirements.

This is gonna test your friendship. Next time, hwag ka magpautang.  Kahit maliit na halaga, hindi ha nangungurakot --  so, preserve your funds.

marssie

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Re: Paano maningil ng utang politely?
« Reply #2 on: May 18, 2014, 09:15:43 pm »
^^ yes, tell her straight.  Ako din yan ang problema ko lagi ang maningil.  Straight ako pero sa ganitong approach (at totoo naman kasing kailangan ko na). "May pera ka na ba? need ko na kasi sana yung money, kung okay lang? may importante lang akong pagagamitan at wala akong ibang maasahan kung hindi yung napahiram ko sayo" :P

Para may kasamang pangungunsensya ba! kailangan mo ako noon,kailangan kita ngayon, magbayad ka!

Lianne@TheWiseLiving

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Re: Paano maningil ng utang politely?
« Reply #3 on: May 21, 2014, 01:49:10 pm »
Tell your friend:

"Hi, sis! Remember the 25,000 that you borrowed from me? I need it now na kasi. Can you pay me half lang muna this week, then another half next week? It's for my wedding. Thanks!"  ;)
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Annie M.

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Re: Paano maningil ng utang politely?
« Reply #4 on: May 21, 2014, 04:09:44 pm »
hay. i sent her a private message sa fb. awa ng diyos, "read" na (nakita na nya).
pero walang reply.

*sound of crickets*

baka magkita pa naman uyng group namin sa weekend. AWKWARD.

ewan ko ba pero ako yung tao na ako na nagpautang, ako pa nahihiya maningil :(

lovemeagain30

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Re: Paano maningil ng utang politely?
« Reply #5 on: May 21, 2014, 04:45:44 pm »
^^bakit ka mahihiya singilin siya? dapat nga siya pa ang mahiya sayo.

do you have her mobile number? try to call her instead. mas private yun. if she doesn't pick up the phone, send her an SMS twice. impossible naman hindi siya makaramdam nun. you have regular coffee date with your group right? tignan mo kung aatend. kapag hindi, sinasadya ka na niyang iwasan which means hindi mo talaga siya kaibigan at all.

25K amount is no joke. hard earned money parin to consider yun. mabuti sana kung P50 lang inutang sayo.  ;D baka akala niya okay lang na hindi ka niya bayaran at all kasi maayos mo parin siyang hinaharap. kung ako nasa kalagayan mo, keber mawalan ako ng kaibigan kesa I-keep ko siya tapos user lang pala.

tischarmedlife

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Re: Paano maningil ng utang politely?
« Reply #6 on: May 21, 2014, 05:12:27 pm »
I agree with the other sissies. Tell your friend na you need money for your upcoming wedding and yung one year, for sure enough na yun na time na yun na napahiram mo sya at hindi siningil.
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ann08

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Re: Paano maningil ng utang politely?
« Reply #7 on: May 22, 2014, 01:52:41 am »
Nabasa na nya pala sis pero no reply. Mahirap nga yan. Nasa kanya nalang talaga kung magbabayad sya or mag aalibi. Pero just wait lang sis baka naman nag iipon na sya. :)

Nakakarelate naman ako sis, pero mine was 5K borrowed by my officemate, one year na sa June. Tinaasan ko ng
interest para hindi nga mag GO pero ayun nag borrow parin ending hindi pa nababayaran yung capital pero nakabayad ng interest monhtly. Yay.
« Last Edit: May 22, 2014, 02:04:49 am by ann08 »
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meisaia

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Re: Paano maningil ng utang politely?
« Reply #8 on: May 22, 2014, 08:19:47 am »
kaya nga sabi nila na don't lend money you're not willing to lose. kumbaga, kapag nagpautang ka, iconsider mo na agad na hindi ka babayaran para walang samaan ng loob. haha

anyway, pabiro mo na lang sabihin sa kanya. or while you're having coffee, itry mong i-open sa kanya ng pasimple. halimbawa, "grabe ang gastos magpakasal. ugh. nga pala... di ba may utang ka pa sakin? pwede pakibayaran na ko kasi alam mo na, need ko rin ng money to start my family." or basta ganyan.

kaya ayaw ko ng umuutang eh... or kapag may utang ako, bayaran ko agad kapag nagkapera. :-\
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Annie M.

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Re: Paano maningil ng utang politely?
« Reply #9 on: May 27, 2014, 03:45:21 pm »
Thanks mga sis.

I saw her last weekend.  I followed your advice and was casual about it. She paid me 5k. Uunti-untiin daw nya. Hirap daw ngayon kasi enrolment na naman.

Well, I was hoping for more pero buti na 'to kesa wala.

Next time, hindi na ako magpapahiram sa friends. Awkward kasi talaga.


janachen

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Re: Paano maningil ng utang politely?
« Reply #10 on: May 27, 2014, 04:08:37 pm »
Glad to know sis na nagbabayad na siya..

Sa akin kasi nagpautang ako, 5 years din  ang hinintay ko..LOL... ngayun mayroon pa syang balance. Bff kami noon, pero ng dahil sa utang nya nagkagalit kami. Hindi nakakapagbayad dahil wala daw siyang pambayad, pero nakakarating sa HK,  palawan, surigao etc.. Patravel travel.. Noong napuno na ko, talagang sinabihan ko na pag hindi magbabayad ipapahiya ko siya sa mga kaibigan niya.LOL Eh nagtago pa, tapos yong FB hinide sa akin yung wall.  Ang ginawa ko inaadd ko yong mga kaibigan tapos tinag ko siya about utang..  >:( Kaya ayun hinuhuluhulogan nya until now.

Annie M.

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Re: Paano maningil ng utang politely?
« Reply #11 on: May 27, 2014, 04:38:01 pm »
Glad to know sis na nagbabayad na siya..

Sa akin kasi nagpautang ako, 5 years din  ang hinintay ko..LOL... ngayun mayroon pa syang balance. Bff kami noon, pero ng dahil sa utang nya nagkagalit kami. Hindi nakakapagbayad dahil wala daw siyang pambayad, pero nakakarating sa HK,  palawan, surigao etc.. Patravel travel.. Noong napuno na ko, talagang sinabihan ko na pag hindi magbabayad ipapahiya ko siya sa mga kaibigan niya.LOL Eh nagtago pa, tapos yong FB hinide sa akin yung wall.  Ang ginawa ko inaadd ko yong mga kaibigan tapos tinag ko siya about utang..  >:( Kaya ayun hinuhuluhulogan nya until now.

 
I wish I was more like you.

Push over ako eh. I suffer in silence. Kaya siguro ako ang madalas utangan kahit sa office -- maliliit na amount, 500, ganyan --- pero dami di nagbabayad. Alam nila tahimik lang ako.











j.adore

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Re: Paano maningil ng utang politely?
« Reply #12 on: June 01, 2014, 04:17:59 pm »
As they say, only lend money you're willing to lose. Walang kaibigan o kapamilya/kamaganak pag dating sa pera dahil meron talagang mga "nakakalimot" o "gipit" lagi kahit na nakikita mong hindi naman ::)

It doesn't matter whether may family or you're single. Ang utang ay utang at ang usapan ay usapan. But I guess you must be well off talaga kasi pati office mates mo pinapautang mo? Then, these things will really happen to you.. Either you stop lending money or you stop worrying about your money not coming back.

Annie M.

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Re: Paano maningil ng utang politely?
« Reply #13 on: June 01, 2014, 05:58:01 pm »
As they say, only lend money you're willing to lose. Walang kaibigan o kapamilya/kamaganak pag dating sa pera dahil meron talagang mga "nakakalimot" o "gipit" lagi kahit na nakikita mong hindi naman ::)

It doesn't matter whether may family or you're single. Ang utang ay utang at ang usapan ay usapan. But I guess you must be well off talaga kasi pati office mates mo pinapautang mo? Then, these things will really happen to you.. Either you stop lending money or you stop worrying about your money not coming back.



Hindi ako well-off, sis. But I'm frugal, I guess.

Sa office, ako takbuhan ng mga mas mababa sakin yung position. Alam nila na medyo malaki sweldo ko kesa sa kanila, and that I don't have a family to support. And like I said -- I can't seem to say no. So naa-abuse ako. Alam ko yun pero hindi pa rin ako maka-hindi.

Ewan ko kung bakit ako pa ang nahihiyang tumanggi. Parang nakaka-guilty kasi. Maybe it's my Catholic school upbringing? Yung araw-araw sinasabi sayo ng madre na magbigay sa nangangailangan?  Nagui-guilty akong hindi magpahiram kasi meron naman akong extra. Naiisip ko minsan, etong 500 na hinihiram sakin, dinner ko lang yan. Or pa-salon/nail spa ko lang yan, whatever. Eh sya, kailangan nya talaga yung 500. I know it's wrong pero I am paralyzed by guilt.

I really have to learn how to say no. 


Ma.Jewel_1987

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Re: Paano maningil ng utang politely?
« Reply #14 on: June 04, 2014, 11:49:18 pm »
Tell her kailangan mo na yung money,mali nga yon na sasabihing magbayad pag nakaluwag na,baka hindi na makaluwag dapat may time frame talaga para may pressure sa part nya.
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Re: Paano maningil ng utang politely?
« Reply #15 on: May 23, 2020, 08:20:22 pm »
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