Alam nating lahat ang kasabihan na “health is wealth” diba? Basically, this means that you should prioritize your health above all to live a richer, more fulfilling life. We all want this for ourselves, pero easier said than done. What if hindi talaga natin afford (literally) alagaan ang sarili natin because we just don’t have the finances to stay on top of our health?
Busy na nga ang buhay, at sa dami-dami ng ating mga babayarin in life, minsan talaga, we let our health take a back seat. We do this because we are prioritizing other things, and rightfully so! We have our daily living expenses to worry about, our utility bills, the education of our children, at marami pang iba!
But health is important — VERY IMPORTANT. Dahil paano natin aalagaan ang mga mahal natin sa buhay kung hindi natin aalagaan ang ating mga sarili?
With that said, did you know that getting a digital loan can actually be a smart financial decision to address our health and medical concerns? Here are some reasons why:
1. You get Instant cash for your immediate health concerns
Getting a digital loan is fast, as in mabilis talaga! Once approved, you get cash in your account in literally minutes, allowing you to pay for any medical emergency, procedure, or prescription medicine, right away!
2. You can manage your medical expenses
When we loan money for our medical needs, mas mamamanage natin ang ating expenses because we can plan payments and predict our spending depende sa ating budget. Better ito than getting money from our hard-earned savings which we can use for other important things in life.
3. You can eliminate unhealthy spending with lower interest rates
Kumpara sa mag credit cards at loan sharks, o mga “pautang”, digital loans can offer lower interest rates which can save you more money over time. Because digital banks have lower costs (dahil wala silang physical branches or staff), they can offer better interest rates that better fit your budget for your medical needs.
Read more: Are digital loans for me?
4. You can create a healthy payment plan
Marami, if not all digital banks, can offer digital loans that come with longer payment terms. At dahli dito, mas kayang i-spread out ang gastos natin even for our urgent medical needs that need to be paid for right away. Longer payment terms help us in lessening the immediate financial burden o nag tinatawag nating “unhealthy spending” that a medical emergency may suddenly bring.
5. It takes care of your mental health
Last, but definitely not the least, ay ang peace of mind na nakukuha natin from getting a digital loan. Not only only do we get to address our health concerns right away, nababawasan rin natin ang financial stress that comes with it. Health and money are 2 of the biggest causes of stress, and by getting a digital loan, we get to manage both our physical wellbeing and overall mental health.
Ang pag-avail ng digital loan is one way to really help us out with our medical expenses. Pero bago tayo mag apply, importanteng mag-research muna on the different loan products on the market, intindihin ng mabuti ang terms and conditions (i.e. payment terms, interest rates, fees, etc.), and above all, borrow only what you need and what you can afford.
‘Pag kinonsider natin ‘tong lahat, we can make a better, more informed decision on the kind of loan to avail that will not only help us with our medical expenses, but also keep us financially well and healthy!