Cash o credit card? Swak na Swak E04

“Good morning mga swakistas!”

“Ngayong araw, pag-uusapan natin ang cash at credit card.”

“Alin ba sa dalawa ang mas maganda nating gamitin kapag tayo ay bumibili ng ating purchases?”

“Kapag credit card ang ating gagamitin, nagbibigay sila ng security o kaya naman purchase protection sa ating mga binili.”

“Hindi natin ito makukuha kapag cash.”

“Siyempre, marami ding nagsasabi na kapag cash ang ating dala, maaari itong mawala o kaya naman ay ma-expose tayo sa hold-up o robbery.”

“Isang advantage naman kapag tayo ay gumamit ng cash, hindi natin kailangan magbayad ng interes dito dahil hindi ito utang.”

“Kapag credit card kasi at hindi natin binayaran ang ating full balance at ang minimum balance lang ang ating binayaran, we will incur high interest charges.”

“So, paano ito maiiwasan kapag credit card ang ginamit mo?”

“You have to remember to pay the full balance of your credit card para walang interest.”

“For credit cards naman, you can actually delay the payment of your credit card balance.”

“That means nagkakaroon tayo ngayon ng window of opportunity para i-invest ito at magamit pa sa mas produktibong bagay.”

“On the other hand, kapag cash naman ang ating gagamitin, we can enjoy cash discounts.”

“So, this could actually make up for the delayed payment that you benefit when you use the credit card.”

“Nagkakaroon kasi tayo ng cash discounts when we use cash.”

“For credit cards, marami din silang program para ikaw ay magkaroon at maka-earn ng rewards points.”

“But using cash, you can also mimic the same effect.”

“What you can do is to apply for loyalty cards and when you pay in cash, you get points in your loyalty cards.”

“A lot of people say also na kung gusto mong pagandahin ang iyong credit score, a credit card will help you.”

“Pero para sa akin, kung ang purpose mo lang ay pagpapaganda ng credit score, may marami ka pang paraan na puwedeng gawin to improve your credit score.”

“You can actually pay your bills on time, your electricity; your water bills; your phone bills; and this will also lead to a good credit score.”

“And on the other hand, when you use cash, you don’t have to worry about credit score because you will not get yourself into debt.”

“One advantage of using a credit card is its convenience.”

“Isang plastic card lang ang hawak mo at maaari ka ng makapagshopping sa kung saan-saan at hindi bulky ang iyong wallet.”

“Kapag cash naman ang dala mo, it is not as convenient as the credit card pero given that, ano naman yung advantage niya?”

“If you carry less cash, you spend less.”

“And if you spend less, you save more.”

“Kung gusto niyong matuto sa tamang paghawak ng pera, ako po ay nagsulat ng libro, ang Learning Wealth: Successful Strategies in Money Management.”

“Bilang exclusive offer para sa mga Swakistas, magbibigay po kami ng promo code to give you fifty percent discount to purchase the book online and to enroll in our courses.”

“Ang promo code po ay SWAK50”

“Ako po si Sir Vince nagsasabing ang pagyaman, napag-aaralan.”