Sa lahat ng mga OFW, basahin ninyo ito…
Golden advice and tips for Overseas Filipino Workers. We all know that many of us who choose to be Overseas Filipino Workers did it because they know that their families would be better off with their decisions. It would be financially practical for the family to have someone earning more from their jobs abroad than just staying put in the country. It may be difficult to be away from them for such long periods of time but it has to be done for the family’s betterment. It would be difficult but someone has got to do it.
Golden Advice and Tips for Overseas Filipino Workers
Here are some golden advice and tips for overseas Filipino workers (Ofws) who find that they are wavering in their belief that their decision to be away from their family is the sound and the best decision that they can make.
Handa ka na ba?
Always Remember This – Maging Tapat Lagi sa Asawa Mo.
Eksakto! Siya ang kapartner mo sa buhay – kaya wag na wag mo syang lolokohin. While there are certainly some documented and undocumented instances of adultery abroad, you should not be among the ones who are doing it. Isipin mo kung gaano rin nagtitiis ang asawa mo na malayo sa kalinga mo. Isipin mo kung ano ang mawawala sa iyo kung hahanap or, pardon the term, kakalantari ka ng iba sa ibang bansa. You would only be satisfying a temporary craving for intimacy – but you would be destroying a lifelong relationship if you do it. So be faithful sa asawa mo. Remember, you promised to be with each other through thick and thin. You should remember those vows you made every day.
Top Priority – Bayaran Mo ang Utang na Naiwan sa Pinas.
Naku, naku, naku. Hindi ibig sabihin na nasa abroad ka e mayaman ka na agad. You need to pay off your loans first para naman makausod-usod ka at magkaroon ng magandang kinabukasan ang pamilya mo. You need to be able to pay off your debts first so you would have the chance to save and make a proper decision to build a better future for your family. Alisin muna ang pagkakautang hane?
Huwag dagdagan ang mga utang.
And for crying out loud, wag nang magdagdag utang pa. Mahirap mapalagay sa cycle na ganito – you have to be wise – you need to be wise. You have to be able to live within your means – and realize that being an OFW is not a lifelong job. Hindi ito katulad ng mga nasa government na panghabangbuhay ang trabaho – minsan hindi ka makakarenew agad ng contract – e saan ka pupulutin kung puro utang ka? Kaya kahit nasa abroad ka na, pigil pigil din sa gastos pag me time. It would be better for you.
Huwag laging maluho – Ipon or iPhone?
Always think of savings before anything else. Meron ka ngang mamahaling gadget – but do you know that in six months’ time it would be devalued? Wala na yang halaga halos in six months’ time! Samantala, your savings would have grown (even though not by much) in six months’ time! Ipon muna bago ang lahat. Remember, take the idea of the older generation – as long as it still works – use it. If it stops working repair it. Do not fall prey to the culture of commercialism – you are not an ATM! Di ka nagluluwa ng pera!
Save part of your money – maghigpit ng sinturon.
Ika nga sa salawikain, kung may isinuksok, may madudukot. If you have no savings – how would you survive when you come back home? If you have no savings, how would you survive without your income? Isip-isip muna di ba? Pag wala ka na muna ulit kontrata, saan ka pupulutin kung wala kayong ipon? Balik na naman sa pangungutang? Ay naku, walang kakaratingan ang pagaabroad mo kung ganyan!
Look for other income opportunities – Read and Learn.
Remember, hindi nakakasama ang pagbabasa at pageexplore ng mga income opportunities. Makakatulong ito para mas mapabilis ang pagdami ng ipon mo. Wag ka nga lang magpapaloko kasi kawawa ka sigurado. Learn new methods of earning while doing minimal work – learn about making passive income work for you and when you come back home, you would be better because of it.
Read this Inspiring and Shocking Story
Dating Magsasaka Ngayon ang Laki Kumita sa Internet – P200K … Alamin kung ano ang ginagawa niya.
Be Frugal – Magtipid Ka!
Unang una, hindi ka ATM. Pangalawa, hindi ka namumunga ng pera. Kaya you have to be frugal in every sense of the word. Hindi naman sinasabi na maging kuripot ka – sinasabi lang na you have to be wise in spending because there is no indefatigable source of money. Ikaw rin, you have to be able to realize this because you might be facing a dilemma because of this. Pakahirap ka nang pakahirap sa abroad tapos wala kang pera pagbalik. #anukayayun?
Don’t be an OFW forever.
Mahirap magpaalila sa ibang bansa. Kung hindi mo pa ranas yan, ewan ko na lang. Nakakaiyak mawalay sa mga mahal mo sa buhay. Dami mong napapalampas na magagandang selebrasyon – birthdays, debuts, kasal, binyag, libing – halos lahat na lang ata di mo napuntahan dahil malayo ka. Tapos gusto mo magtagal dyan habangbuhay? Impossible yan. You have to realize that sometime soon, your productive years would be over and you have to come back home. Tapos ano mauuwian mo? Hindi ka kilala, or di ka naaappreciate kasi wala ka na sa abroad? Saklap di ba?
Plan your future.
It is no longer good to just go with the flow. Dapat me plano ka. Hindi yung basta ka na lang banat nang banat ika nga. Kailangan me plano kayong mag-asawa o pamilya para makaahon kayo sa hirap. Mas masarap na makita kung paano gumagana ang perang pinaghihirapan mo. Dapat magkaroon ka ng concrete evidence kung paano ka kumita. Dapat me maipakita kang negosyo, bahay at ibang mga assets, after all is said and done. Dapat meron kang mapagtapos sa mga kaanak mo after everything is through. Di ba?
Be Wise – Learn how to invest your money.
You have to be able to make your money grow. Hindi pwedeng nakatago lang yan sa ilalim ng unan. Dapat humanap ka ng isang finance advisor para mapalago pa ang pera mo na hawak ngayon. Make it grow so it would be more – the more money you have, the more savings you would have for your future. The more investments you have the better it is for your future din. Secure your future – be wise and invest your money in investment vehicles with good returns.
Be Prepared – Laging Maghanda sa mga Ondoy at Yolanda ng Buhay.
Lahat tayo magdaraan sa mga pagsubok. Hindi pwedeng sa isang iglap wala lahat ng mga pinagpaguran mo. Magkaroon ng separate accounts for such instances – for funeral expenses, for celebrations, etc. Better be safe than sorry di ba? Pwede mong seed money yung passive income mo dito sa mga accounts mo. Yung rent ng isang property sa isang buwan ihulog mo sa isang account – yung sa isang buwan pa, sa ibang account – mapapaikot ang pera basta wais ka lang.
Trust in the Lord all the days of your Life.
Ito ang pinakaimportante. No matter where you are, no matter who you are with, always put the Lord in your midst and everything would be done according to His Will. Surrender everything to Him and you would find the success you really want to achieve.
These are some simple tips to live by. These are some tips that would help you overcome the sadness and the longing you feel whenever you are away from your family. Lean on these tips and you would never go wrong.