"PASALUBONG AT KUMUSTAHAN"

While I was watching ANC On The Money, a question from an OFW was raised up and it asks,

" I'll be going home in the Philippines. My family and friends are expecting me to shoulder the money that will be used for the incoming occasions. My question is, should I start hiding myself?"

     Most of the people left in the country expects an ex-abroad to have saved a lot of money. But they wouldn't have known that at the back of these ex-abroad workers are scared of that expectation. We'll it's not that they have nothing. Most of them would have saved for a more important thing such as their children's education, house and lot perhaps, bills, life insurance fees probably and other things.

     Filipinos have one characteristic famously known as "Pa-libre naman jan attitude". This happens usually when a person achieved something then someone says ti him/her "Pa-burger na yan". Sa kabila nito, dahil masaya siya, nagpaburger nga. This is something nice in a way that we get along and celebrate things in life. This also applies to OFW's and most of their family and friends says "Pasalubong ko ha! Size 7 (mentioning his shoe size) ".

     Kaya ang ibang OFW ay nagtatago. Hinid nila pinapaalam na nasa abroad sila. Pag umuwi hindi rin pinagsasabi. Nope! This aren't tips guys!

     Let's go back to the show On the Money. The guest's answer was,

" You don't have to shoulder every occasion that comes. Be polite and honest to them that this is the only budget I can share. Like for example, I can only give an amount of php 5,000.00. That's it."

     I would like to add. If you can prepare pasalubong before going home, then that would be nice to show that you have thought of them while you were away. Pasalubong doesn't have to be expensive. Remember that you don't have to show off.

     Welcome party doesn't have to be extravagant. It is always nice to tell your family at home ahead of time that you don't need a big party. A simple get together with kumustahan para makabawi sa mga araw na nagdaan, is already a big event in your life. You could always suggest to them specific filipino foods that you would like to eat that you haven't eaten for a long period of time. 

     I hope you enjoyed reading. Sa mga OFW, masayang pagbabalik. At sa mga naiwan, gawin sana nating masaya ang kanilang pagbalik at hindi perwisyo sa paglalabas ng pera and kanilang datnan.

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GENERATING INCOME FOR THE FUTURE

     Short term career(contractual basis) like being in a three year contract scares me. This is what's happening to OFW's. After the contract, they have to find a new opportunity to support themselves or their family. In short, it means that a person who have worked abroad is not equivalent to a bottomless- ice- tea promo in TGIF restaurant. But if you have prepared well, with goals and priorities in life, you'll be able to provide.

      If you don't have a job to land in in the first few months, you should have prepared for it. Around 6 months-1 year atleast should be provided/covered by your savings to provide for your needs and for your family (if incase you have to provide for them). If you have applied earlier while your in the contract and luckily you got the job right after the contract then well and good.  
   
     Knowing this case scenario, it would atleast lead you to a far better ideas on how to generate your income.

     From Nannette Ferreria's (Director, MoneyDirector, Inc.) point of view, 

"Saving is not the key to being wealthy but knowing where to put your money will make you wealthy."

     She is just saying that saving your money in the  piggy bank won't generate your money. Almost all of the financial advisers would mention about about investments. Among the options are mutual funds, opening up a business, stock investments. However, all these mentioned above take risks.  

     
     Here is another catch. Do not ever go into something without consulting an expert/ experienced. Knowledge is always a must when entering something. When you say an expert, he/she must be in the field. Examples of which are financial consultants/ advisers (which are licensed), entrepreneurs who have engaged into successful business, or even your supportive parents can be an experienced when it comes to money.

     Generating income is not as easy as it seems but starting earlier would be a best option. Starting early like while you are still single is another better option. 

Plan now and act now. Going back home and meeting the family  after a three year contract work abroad is such an exciting thing. But being able to provide (not to provide for bonggacious occasions) is such a sweet thing.

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