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Thursday, August 02, 2018

8 Things OFW's Never Tell You About Their Life Abroad



Working abroad is the dream of many Filipinos in spite of the truth that OFW life is not easy. As an overseas Filipino worker (OFW) you have to embrace a life away from your family, deal with very long hours of stress, loneliness and even frustration. But because working abroad gives you big salaries that you cannot earn in the Philippines you decide to go anyway and practice what many OFWs said, "the art of sacrifice."

It is very common that when we heard the word "OFW", a person with much money always comes first in our mind. Somehow, it becomes a tradition that when we meet an OFW relative or friend, we ask for "pasalubong." OFWs are also the first person we call in case of emergency and other financial related problems.


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Working abroad is the dream of many Filipinos in spite of the truth that OFW life is not easy. As an overseas Filipino worker (OFW) you have to embrace a life away from your family, deal with very long hours of stress, loneliness and even frustration. But because working abroad gives you big salaries that you cannot earn in the Philippines you decide to go anyway and practice what many OFWs said, "the art of sacrifice."  It is very common that when we heard the word "OFW", a person with much money always comes first in our mind. Somehow, it becomes a tradition that when we meet an OFW relative or friend, we ask for "pasalubong." OFWs are also the first person we call in case of emergency and other financial related problems.  In other words, OFW's earning becomes a solution to many of our problem and their life abroad is now associated with success, wealth and comfort. Isn't it? But in reality, it is not always "milk and honey" there are many things OFWs never tell about their life abroad so that their family back home won't worry about their situation.  Here are 10 things OFWs never tell about their life abroad;  1. What you see in social media is just a very small part of OFW life!  Photos of beautiful new places where they able to visit, restaurants where they dine or meeting a new friend at a party that makes you said to yourself, "mabuti pa siya!" is just a tiny part of OFW life.   But away from social media, it is far from being all happy. No one takes pictures and rants on social media about hard work and overtime, long hours of stress, getting scolded by an employer, soul-crushing jobs, struggles of dealing with superiors and colleagues who belittle Filipinos, poor living condition and so many to mention. Nobody brags on Facebook that she came as a teacher but ended as a household service worker or domestic worker abroad.  Many OFWs keep these things to themselves even lives are not exactly what they expected.  2. OFW life is lonely  OFWs get to decide every day what to choose between homesick versus dollars. Homesickness and separation anxiety is the number one enemy of an OFW.   Being away for a year or two from your family is really hard. They've missed so many special occasions, including children's birthday, school graduation, wedding anniversary and many other special events. OFWs also missed their children growing up. Even holidays like Christmas and New Year don't feel the same. While your family is celebrating, you are at work or perhaps in your boarding house alone watching or celebrating them through Skype.   3. OFW doesn't have money all the time  Many people really believe that money is easy to earn for OFWs and their money is endless while they are working. OFWs are the first person to call when there is a financial need at home. Many special monetary favors are being asked to OFW just because they are working abroad. OFWs are being asked to sponsor a lechon for baptism, birthday parties, school or family reunion even for a yearbook! There are relatives who are also asking for start-up amount for a new business or for a tricycle and other livelihoods.  The truth is, many OFWs remits almost all of their salary to their family back home. If there is something left, it is just enough for OFW's basic needs until the next payday. So when an emergency arises, the tendency is OFW will loan from his company or other institution that he needs to pay for the next few months.  4. Not everyone lived a good life abroad  OFWs won't tell you that they are struggling while working in other countries. Without family members, they're the one to cook for themselves. This is the reason why egg, bread, and noodles become "best friends" of OFWs. Sometimes, OFWs deal with long hours of work or overtime just to get extra pay. And when they get home, they still have to do chores like washing their clothes, cook food and cleaning their spaces because no one will do this for them. A lot of their day-off is spent alone in their apartment to rest and be ready for another challenging day.  5. OFWs can't afford to get sick  OFWs decide to work even not feeling well because they cannot afford to get sick. No one would be there to take care of them unless they have close friends or loved ones who are around. If they don't have sick days at work, OFW goes to work and said, "sayang ang kikitain". OFWs are also scared of serious illness or accident because they think much on those who rely on them and in their income.   6. OFWs won't tell you that they are tired of working abroad  Many OFWs are the bread and butter of the family. They are an instrument for someone's dream to finish college, buy a home or a car for a family, have a livelihood and investment and so on..Because of this, it is very difficult for them to give up their work and go home. OFWs are selfless, they cannot let everyone down because they are tired of working.  This is one reason why there are OFWs who are still working abroad in spite of old age.  7. The balikbayan box is a product of sweat, tears and even blood  Everyone is excited to received and OFW box. But have you ever asked yourself what are sacrifices made by OFW just to fill an entire box? Some OFWs accept overtime even tired for extra money. Some take on extreme jobs they did not even sign-up for. While others are looking for a part-time job to have enough cash to buy clothes, chocolates, toys, shoes, cellphone, etc for the family who is asking for this and that.  And when they go home for vacation, they also make unbelievable sacrifices to buy all the pasalubong you ask for. It does not matter for them if they don't have new clothes, bags or shoes as long as they can buy what family member is asking for so long.  8. They missed home so much  Even though they missed home so much, they cannot come home yet. This is very sad because every OFW comes to a point where he wants to give up everything and go home to be with his family. There are sacrifices, loneliness, and challenges that are too much to take for OFW that they want to go home. But because of the responsibilities on their shoulder, they choose to go on even it is really hard for them to be away. Also for OFWs, there is no place like home!
In other words, OFW's earning becomes a solution to many of our problem and their life abroad is now associated with success, wealth and comfort. Isn't it? But in reality, it is not always "milk and honey" there are many things OFWs never tell about their life abroad so that their family back home won't worry about their situation.

Here are 10 things OFWs never tell about their life abroad;

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1. What you see in social media is just a very small part of OFW life!

Photos of beautiful new places where they able to visit, restaurants where they dine or meeting a new friend at a party that makes you said to yourself, "mabuti pa siya!" is just a tiny part of OFW life. 

But away from social media, it is far from being all happy. No one takes pictures and rants on social media about hard work and overtime, long hours of stress, getting scolded by an employer, soul-crushing jobs, struggles of dealing with superiors and colleagues who belittle Filipinos, poor living condition and so many to mention. Nobody brags on Facebook that she came as a teacher but ended as a household service worker or domestic worker abroad.



Many OFWs keep these things to themselves even lives are not exactly what they expected.
Working abroad is the dream of many Filipinos in spite of the truth that OFW life is not easy. As an overseas Filipino worker (OFW) you have to embrace a life away from your family, deal with very long hours of stress, loneliness and even frustration. But because working abroad gives you big salaries that you cannot earn in the Philippines you decide to go anyway and practice what many OFWs said, "the art of sacrifice."  It is very common that when we heard the word "OFW", a person with much money always comes first in our mind. Somehow, it becomes a tradition that when we meet an OFW relative or friend, we ask for "pasalubong." OFWs are also the first person we call in case of emergency and other financial related problems.  In other words, OFW's earning becomes a solution to many of our problem and their life abroad is now associated with success, wealth and comfort. Isn't it? But in reality, it is not always "milk and honey" there are many things OFWs never tell about their life abroad so that their family back home won't worry about their situation.  Here are 10 things OFWs never tell about their life abroad;  1. What you see in social media is just a very small part of OFW life!  Photos of beautiful new places where they able to visit, restaurants where they dine or meeting a new friend at a party that makes you said to yourself, "mabuti pa siya!" is just a tiny part of OFW life.   But away from social media, it is far from being all happy. No one takes pictures and rants on social media about hard work and overtime, long hours of stress, getting scolded by an employer, soul-crushing jobs, struggles of dealing with superiors and colleagues who belittle Filipinos, poor living condition and so many to mention. Nobody brags on Facebook that she came as a teacher but ended as a household service worker or domestic worker abroad.  Many OFWs keep these things to themselves even lives are not exactly what they expected.  2. OFW life is lonely  OFWs get to decide every day what to choose between homesick versus dollars. Homesickness and separation anxiety is the number one enemy of an OFW.   Being away for a year or two from your family is really hard. They've missed so many special occasions, including children's birthday, school graduation, wedding anniversary and many other special events. OFWs also missed their children growing up. Even holidays like Christmas and New Year don't feel the same. While your family is celebrating, you are at work or perhaps in your boarding house alone watching or celebrating them through Skype.   3. OFW doesn't have money all the time  Many people really believe that money is easy to earn for OFWs and their money is endless while they are working. OFWs are the first person to call when there is a financial need at home. Many special monetary favors are being asked to OFW just because they are working abroad. OFWs are being asked to sponsor a lechon for baptism, birthday parties, school or family reunion even for a yearbook! There are relatives who are also asking for start-up amount for a new business or for a tricycle and other livelihoods.  The truth is, many OFWs remits almost all of their salary to their family back home. If there is something left, it is just enough for OFW's basic needs until the next payday. So when an emergency arises, the tendency is OFW will loan from his company or other institution that he needs to pay for the next few months.  4. Not everyone lived a good life abroad  OFWs won't tell you that they are struggling while working in other countries. Without family members, they're the one to cook for themselves. This is the reason why egg, bread, and noodles become "best friends" of OFWs. Sometimes, OFWs deal with long hours of work or overtime just to get extra pay. And when they get home, they still have to do chores like washing their clothes, cook food and cleaning their spaces because no one will do this for them. A lot of their day-off is spent alone in their apartment to rest and be ready for another challenging day.  5. OFWs can't afford to get sick  OFWs decide to work even not feeling well because they cannot afford to get sick. No one would be there to take care of them unless they have close friends or loved ones who are around. If they don't have sick days at work, OFW goes to work and said, "sayang ang kikitain". OFWs are also scared of serious illness or accident because they think much on those who rely on them and in their income.   6. OFWs won't tell you that they are tired of working abroad  Many OFWs are the bread and butter of the family. They are an instrument for someone's dream to finish college, buy a home or a car for a family, have a livelihood and investment and so on..Because of this, it is very difficult for them to give up their work and go home. OFWs are selfless, they cannot let everyone down because they are tired of working.  This is one reason why there are OFWs who are still working abroad in spite of old age.  7. The balikbayan box is a product of sweat, tears and even blood  Everyone is excited to received and OFW box. But have you ever asked yourself what are sacrifices made by OFW just to fill an entire box? Some OFWs accept overtime even tired for extra money. Some take on extreme jobs they did not even sign-up for. While others are looking for a part-time job to have enough cash to buy clothes, chocolates, toys, shoes, cellphone, etc for the family who is asking for this and that.  And when they go home for vacation, they also make unbelievable sacrifices to buy all the pasalubong you ask for. It does not matter for them if they don't have new clothes, bags or shoes as long as they can buy what family member is asking for so long.  8. They missed home so much  Even though they missed home so much, they cannot come home yet. This is very sad because every OFW comes to a point where he wants to give up everything and go home to be with his family. There are sacrifices, loneliness, and challenges that are too much to take for OFW that they want to go home. But because of the responsibilities on their shoulder, they choose to go on even it is really hard for them to be away. Also for OFWs, there is no place like home!


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2. OFW life is lonely



OFWs get to decide every day what to choose between homesick versus dollars. Homesickness and separation anxiety is the number one enemy of an OFW. 



Being away for a year or two from your family is really hard. They've missed so many special occasions, including children's birthday, school graduation, wedding anniversary and many other special events. OFWs also missed their children growing up. Even holidays like Christmas and New Year don't feel the same. While your family is celebrating, you are at work or perhaps in your boarding house alone watching or celebrating them through Skype. 

Working abroad is the dream of many Filipinos in spite of the truth that OFW life is not easy. As an overseas Filipino worker (OFW) you have to embrace a life away from your family, deal with very long hours of stress, loneliness and even frustration. But because working abroad gives you big salaries that you cannot earn in the Philippines you decide to go anyway and practice what many OFWs said, "the art of sacrifice."  It is very common that when we heard the word "OFW", a person with much money always comes first in our mind. Somehow, it becomes a tradition that when we meet an OFW relative or friend, we ask for "pasalubong." OFWs are also the first person we call in case of emergency and other financial related problems.  In other words, OFW's earning becomes a solution to many of our problem and their life abroad is now associated with success, wealth and comfort. Isn't it? But in reality, it is not always "milk and honey" there are many things OFWs never tell about their life abroad so that their family back home won't worry about their situation.  Here are 10 things OFWs never tell about their life abroad;  1. What you see in social media is just a very small part of OFW life!  Photos of beautiful new places where they able to visit, restaurants where they dine or meeting a new friend at a party that makes you said to yourself, "mabuti pa siya!" is just a tiny part of OFW life.   But away from social media, it is far from being all happy. No one takes pictures and rants on social media about hard work and overtime, long hours of stress, getting scolded by an employer, soul-crushing jobs, struggles of dealing with superiors and colleagues who belittle Filipinos, poor living condition and so many to mention. Nobody brags on Facebook that she came as a teacher but ended as a household service worker or domestic worker abroad.  Many OFWs keep these things to themselves even lives are not exactly what they expected.  2. OFW life is lonely  OFWs get to decide every day what to choose between homesick versus dollars. Homesickness and separation anxiety is the number one enemy of an OFW.   Being away for a year or two from your family is really hard. They've missed so many special occasions, including children's birthday, school graduation, wedding anniversary and many other special events. OFWs also missed their children growing up. Even holidays like Christmas and New Year don't feel the same. While your family is celebrating, you are at work or perhaps in your boarding house alone watching or celebrating them through Skype.   3. OFW doesn't have money all the time  Many people really believe that money is easy to earn for OFWs and their money is endless while they are working. OFWs are the first person to call when there is a financial need at home. Many special monetary favors are being asked to OFW just because they are working abroad. OFWs are being asked to sponsor a lechon for baptism, birthday parties, school or family reunion even for a yearbook! There are relatives who are also asking for start-up amount for a new business or for a tricycle and other livelihoods.  The truth is, many OFWs remits almost all of their salary to their family back home. If there is something left, it is just enough for OFW's basic needs until the next payday. So when an emergency arises, the tendency is OFW will loan from his company or other institution that he needs to pay for the next few months.  4. Not everyone lived a good life abroad  OFWs won't tell you that they are struggling while working in other countries. Without family members, they're the one to cook for themselves. This is the reason why egg, bread, and noodles become "best friends" of OFWs. Sometimes, OFWs deal with long hours of work or overtime just to get extra pay. And when they get home, they still have to do chores like washing their clothes, cook food and cleaning their spaces because no one will do this for them. A lot of their day-off is spent alone in their apartment to rest and be ready for another challenging day.  5. OFWs can't afford to get sick  OFWs decide to work even not feeling well because they cannot afford to get sick. No one would be there to take care of them unless they have close friends or loved ones who are around. If they don't have sick days at work, OFW goes to work and said, "sayang ang kikitain". OFWs are also scared of serious illness or accident because they think much on those who rely on them and in their income.   6. OFWs won't tell you that they are tired of working abroad  Many OFWs are the bread and butter of the family. They are an instrument for someone's dream to finish college, buy a home or a car for a family, have a livelihood and investment and so on..Because of this, it is very difficult for them to give up their work and go home. OFWs are selfless, they cannot let everyone down because they are tired of working.  This is one reason why there are OFWs who are still working abroad in spite of old age.  7. The balikbayan box is a product of sweat, tears and even blood  Everyone is excited to received and OFW box. But have you ever asked yourself what are sacrifices made by OFW just to fill an entire box? Some OFWs accept overtime even tired for extra money. Some take on extreme jobs they did not even sign-up for. While others are looking for a part-time job to have enough cash to buy clothes, chocolates, toys, shoes, cellphone, etc for the family who is asking for this and that.  And when they go home for vacation, they also make unbelievable sacrifices to buy all the pasalubong you ask for. It does not matter for them if they don't have new clothes, bags or shoes as long as they can buy what family member is asking for so long.  8. They missed home so much  Even though they missed home so much, they cannot come home yet. This is very sad because every OFW comes to a point where he wants to give up everything and go home to be with his family. There are sacrifices, loneliness, and challenges that are too much to take for OFW that they want to go home. But because of the responsibilities on their shoulder, they choose to go on even it is really hard for them to be away. Also for OFWs, there is no place like home!
3. OFW doesn't have money all the time

Many people really believe that money is easy to earn for OFWs and their money is endless while they are working. OFWs are the first person to call when there is a financial need at home. Many special monetary favors are being asked to OFW just because they are working abroad. OFWs are being asked to sponsor a lechon for baptism, birthday parties, school or family reunion even for a yearbook! There are relatives who are also asking for start-up amount for a new business or for a tricycle and other livelihoods.

The truth is, many OFWs remits almost all of their salary to their family back home. If there is something left, it is just enough for OFW's basic needs until the next payday. So when an emergency arises, the tendency is OFW will loan from his company or other institution that he needs to pay for the next few months.
Working abroad is the dream of many Filipinos in spite of the truth that OFW life is not easy. As an overseas Filipino worker (OFW) you have to embrace a life away from your family, deal with very long hours of stress, loneliness and even frustration. But because working abroad gives you big salaries that you cannot earn in the Philippines you decide to go anyway and practice what many OFWs said, "the art of sacrifice."  It is very common that when we heard the word "OFW", a person with much money always comes first in our mind. Somehow, it becomes a tradition that when we meet an OFW relative or friend, we ask for "pasalubong." OFWs are also the first person we call in case of emergency and other financial related problems.  In other words, OFW's earning becomes a solution to many of our problem and their life abroad is now associated with success, wealth and comfort. Isn't it? But in reality, it is not always "milk and honey" there are many things OFWs never tell about their life abroad so that their family back home won't worry about their situation.  Here are 10 things OFWs never tell about their life abroad;  1. What you see in social media is just a very small part of OFW life!  Photos of beautiful new places where they able to visit, restaurants where they dine or meeting a new friend at a party that makes you said to yourself, "mabuti pa siya!" is just a tiny part of OFW life.   But away from social media, it is far from being all happy. No one takes pictures and rants on social media about hard work and overtime, long hours of stress, getting scolded by an employer, soul-crushing jobs, struggles of dealing with superiors and colleagues who belittle Filipinos, poor living condition and so many to mention. Nobody brags on Facebook that she came as a teacher but ended as a household service worker or domestic worker abroad.  Many OFWs keep these things to themselves even lives are not exactly what they expected.  2. OFW life is lonely  OFWs get to decide every day what to choose between homesick versus dollars. Homesickness and separation anxiety is the number one enemy of an OFW.   Being away for a year or two from your family is really hard. They've missed so many special occasions, including children's birthday, school graduation, wedding anniversary and many other special events. OFWs also missed their children growing up. Even holidays like Christmas and New Year don't feel the same. While your family is celebrating, you are at work or perhaps in your boarding house alone watching or celebrating them through Skype.   3. OFW doesn't have money all the time  Many people really believe that money is easy to earn for OFWs and their money is endless while they are working. OFWs are the first person to call when there is a financial need at home. Many special monetary favors are being asked to OFW just because they are working abroad. OFWs are being asked to sponsor a lechon for baptism, birthday parties, school or family reunion even for a yearbook! There are relatives who are also asking for start-up amount for a new business or for a tricycle and other livelihoods.  The truth is, many OFWs remits almost all of their salary to their family back home. If there is something left, it is just enough for OFW's basic needs until the next payday. So when an emergency arises, the tendency is OFW will loan from his company or other institution that he needs to pay for the next few months.  4. Not everyone lived a good life abroad  OFWs won't tell you that they are struggling while working in other countries. Without family members, they're the one to cook for themselves. This is the reason why egg, bread, and noodles become "best friends" of OFWs. Sometimes, OFWs deal with long hours of work or overtime just to get extra pay. And when they get home, they still have to do chores like washing their clothes, cook food and cleaning their spaces because no one will do this for them. A lot of their day-off is spent alone in their apartment to rest and be ready for another challenging day.  5. OFWs can't afford to get sick  OFWs decide to work even not feeling well because they cannot afford to get sick. No one would be there to take care of them unless they have close friends or loved ones who are around. If they don't have sick days at work, OFW goes to work and said, "sayang ang kikitain". OFWs are also scared of serious illness or accident because they think much on those who rely on them and in their income.   6. OFWs won't tell you that they are tired of working abroad  Many OFWs are the bread and butter of the family. They are an instrument for someone's dream to finish college, buy a home or a car for a family, have a livelihood and investment and so on..Because of this, it is very difficult for them to give up their work and go home. OFWs are selfless, they cannot let everyone down because they are tired of working.  This is one reason why there are OFWs who are still working abroad in spite of old age.  7. The balikbayan box is a product of sweat, tears and even blood  Everyone is excited to received and OFW box. But have you ever asked yourself what are sacrifices made by OFW just to fill an entire box? Some OFWs accept overtime even tired for extra money. Some take on extreme jobs they did not even sign-up for. While others are looking for a part-time job to have enough cash to buy clothes, chocolates, toys, shoes, cellphone, etc for the family who is asking for this and that.  And when they go home for vacation, they also make unbelievable sacrifices to buy all the pasalubong you ask for. It does not matter for them if they don't have new clothes, bags or shoes as long as they can buy what family member is asking for so long.  8. They missed home so much  Even though they missed home so much, they cannot come home yet. This is very sad because every OFW comes to a point where he wants to give up everything and go home to be with his family. There are sacrifices, loneliness, and challenges that are too much to take for OFW that they want to go home. But because of the responsibilities on their shoulder, they choose to go on even it is really hard for them to be away. Also for OFWs, there is no place like home!
4. Not everyone lived a good life abroad

OFWs won't tell you that they are struggling while working in other countries. Without family members, they're the one to cook for themselves. This is the reason why egg, bread, and noodles become "best friends" of OFWs. Sometimes, OFWs deal with long hours of work or overtime just to get extra pay. And when they get home, they still have to do chores like washing their clothes, cook food and cleaning their spaces because no one will do this for them. A lot of their day-off is spent alone in their apartment to rest and be ready for another challenging day.
Working abroad is the dream of many Filipinos in spite of the truth that OFW life is not easy. As an overseas Filipino worker (OFW) you have to embrace a life away from your family, deal with very long hours of stress, loneliness and even frustration. But because working abroad gives you big salaries that you cannot earn in the Philippines you decide to go anyway and practice what many OFWs said, "the art of sacrifice."  It is very common that when we heard the word "OFW", a person with much money always comes first in our mind. Somehow, it becomes a tradition that when we meet an OFW relative or friend, we ask for "pasalubong." OFWs are also the first person we call in case of emergency and other financial related problems.  In other words, OFW's earning becomes a solution to many of our problem and their life abroad is now associated with success, wealth and comfort. Isn't it? But in reality, it is not always "milk and honey" there are many things OFWs never tell about their life abroad so that their family back home won't worry about their situation.  Here are 10 things OFWs never tell about their life abroad;  1. What you see in social media is just a very small part of OFW life!  Photos of beautiful new places where they able to visit, restaurants where they dine or meeting a new friend at a party that makes you said to yourself, "mabuti pa siya!" is just a tiny part of OFW life.   But away from social media, it is far from being all happy. No one takes pictures and rants on social media about hard work and overtime, long hours of stress, getting scolded by an employer, soul-crushing jobs, struggles of dealing with superiors and colleagues who belittle Filipinos, poor living condition and so many to mention. Nobody brags on Facebook that she came as a teacher but ended as a household service worker or domestic worker abroad.  Many OFWs keep these things to themselves even lives are not exactly what they expected.  2. OFW life is lonely  OFWs get to decide every day what to choose between homesick versus dollars. Homesickness and separation anxiety is the number one enemy of an OFW.   Being away for a year or two from your family is really hard. They've missed so many special occasions, including children's birthday, school graduation, wedding anniversary and many other special events. OFWs also missed their children growing up. Even holidays like Christmas and New Year don't feel the same. While your family is celebrating, you are at work or perhaps in your boarding house alone watching or celebrating them through Skype.   3. OFW doesn't have money all the time  Many people really believe that money is easy to earn for OFWs and their money is endless while they are working. OFWs are the first person to call when there is a financial need at home. Many special monetary favors are being asked to OFW just because they are working abroad. OFWs are being asked to sponsor a lechon for baptism, birthday parties, school or family reunion even for a yearbook! There are relatives who are also asking for start-up amount for a new business or for a tricycle and other livelihoods.  The truth is, many OFWs remits almost all of their salary to their family back home. If there is something left, it is just enough for OFW's basic needs until the next payday. So when an emergency arises, the tendency is OFW will loan from his company or other institution that he needs to pay for the next few months.  4. Not everyone lived a good life abroad  OFWs won't tell you that they are struggling while working in other countries. Without family members, they're the one to cook for themselves. This is the reason why egg, bread, and noodles become "best friends" of OFWs. Sometimes, OFWs deal with long hours of work or overtime just to get extra pay. And when they get home, they still have to do chores like washing their clothes, cook food and cleaning their spaces because no one will do this for them. A lot of their day-off is spent alone in their apartment to rest and be ready for another challenging day.  5. OFWs can't afford to get sick  OFWs decide to work even not feeling well because they cannot afford to get sick. No one would be there to take care of them unless they have close friends or loved ones who are around. If they don't have sick days at work, OFW goes to work and said, "sayang ang kikitain". OFWs are also scared of serious illness or accident because they think much on those who rely on them and in their income.   6. OFWs won't tell you that they are tired of working abroad  Many OFWs are the bread and butter of the family. They are an instrument for someone's dream to finish college, buy a home or a car for a family, have a livelihood and investment and so on..Because of this, it is very difficult for them to give up their work and go home. OFWs are selfless, they cannot let everyone down because they are tired of working.  This is one reason why there are OFWs who are still working abroad in spite of old age.  7. The balikbayan box is a product of sweat, tears and even blood  Everyone is excited to received and OFW box. But have you ever asked yourself what are sacrifices made by OFW just to fill an entire box? Some OFWs accept overtime even tired for extra money. Some take on extreme jobs they did not even sign-up for. While others are looking for a part-time job to have enough cash to buy clothes, chocolates, toys, shoes, cellphone, etc for the family who is asking for this and that.  And when they go home for vacation, they also make unbelievable sacrifices to buy all the pasalubong you ask for. It does not matter for them if they don't have new clothes, bags or shoes as long as they can buy what family member is asking for so long.  8. They missed home so much  Even though they missed home so much, they cannot come home yet. This is very sad because every OFW comes to a point where he wants to give up everything and go home to be with his family. There are sacrifices, loneliness, and challenges that are too much to take for OFW that they want to go home. But because of the responsibilities on their shoulder, they choose to go on even it is really hard for them to be away. Also for OFWs, there is no place like home!
5. OFWs can't afford to get sick

OFWs decide to work even not feeling well because they cannot afford to get sick. No one would be there to take care of them unless they have close friends or loved ones who are around. If they don't have sick days at work, OFW goes to work and said, "sayang ang kikitain". OFWs are also scared of serious illness or accident because they think much on those who rely on them and in their income.
Working abroad is the dream of many Filipinos in spite of the truth that OFW life is not easy. As an overseas Filipino worker (OFW) you have to embrace a life away from your family, deal with very long hours of stress, loneliness and even frustration. But because working abroad gives you big salaries that you cannot earn in the Philippines you decide to go anyway and practice what many OFWs said, "the art of sacrifice."  It is very common that when we heard the word "OFW", a person with much money always comes first in our mind. Somehow, it becomes a tradition that when we meet an OFW relative or friend, we ask for "pasalubong." OFWs are also the first person we call in case of emergency and other financial related problems.  In other words, OFW's earning becomes a solution to many of our problem and their life abroad is now associated with success, wealth and comfort. Isn't it? But in reality, it is not always "milk and honey" there are many things OFWs never tell about their life abroad so that their family back home won't worry about their situation.  Here are 10 things OFWs never tell about their life abroad;  1. What you see in social media is just a very small part of OFW life!  Photos of beautiful new places where they able to visit, restaurants where they dine or meeting a new friend at a party that makes you said to yourself, "mabuti pa siya!" is just a tiny part of OFW life.   But away from social media, it is far from being all happy. No one takes pictures and rants on social media about hard work and overtime, long hours of stress, getting scolded by an employer, soul-crushing jobs, struggles of dealing with superiors and colleagues who belittle Filipinos, poor living condition and so many to mention. Nobody brags on Facebook that she came as a teacher but ended as a household service worker or domestic worker abroad.  Many OFWs keep these things to themselves even lives are not exactly what they expected.  2. OFW life is lonely  OFWs get to decide every day what to choose between homesick versus dollars. Homesickness and separation anxiety is the number one enemy of an OFW.   Being away for a year or two from your family is really hard. They've missed so many special occasions, including children's birthday, school graduation, wedding anniversary and many other special events. OFWs also missed their children growing up. Even holidays like Christmas and New Year don't feel the same. While your family is celebrating, you are at work or perhaps in your boarding house alone watching or celebrating them through Skype.   3. OFW doesn't have money all the time  Many people really believe that money is easy to earn for OFWs and their money is endless while they are working. OFWs are the first person to call when there is a financial need at home. Many special monetary favors are being asked to OFW just because they are working abroad. OFWs are being asked to sponsor a lechon for baptism, birthday parties, school or family reunion even for a yearbook! There are relatives who are also asking for start-up amount for a new business or for a tricycle and other livelihoods.  The truth is, many OFWs remits almost all of their salary to their family back home. If there is something left, it is just enough for OFW's basic needs until the next payday. So when an emergency arises, the tendency is OFW will loan from his company or other institution that he needs to pay for the next few months.  4. Not everyone lived a good life abroad  OFWs won't tell you that they are struggling while working in other countries. Without family members, they're the one to cook for themselves. This is the reason why egg, bread, and noodles become "best friends" of OFWs. Sometimes, OFWs deal with long hours of work or overtime just to get extra pay. And when they get home, they still have to do chores like washing their clothes, cook food and cleaning their spaces because no one will do this for them. A lot of their day-off is spent alone in their apartment to rest and be ready for another challenging day.  5. OFWs can't afford to get sick  OFWs decide to work even not feeling well because they cannot afford to get sick. No one would be there to take care of them unless they have close friends or loved ones who are around. If they don't have sick days at work, OFW goes to work and said, "sayang ang kikitain". OFWs are also scared of serious illness or accident because they think much on those who rely on them and in their income.   6. OFWs won't tell you that they are tired of working abroad  Many OFWs are the bread and butter of the family. They are an instrument for someone's dream to finish college, buy a home or a car for a family, have a livelihood and investment and so on..Because of this, it is very difficult for them to give up their work and go home. OFWs are selfless, they cannot let everyone down because they are tired of working.  This is one reason why there are OFWs who are still working abroad in spite of old age.  7. The balikbayan box is a product of sweat, tears and even blood  Everyone is excited to received and OFW box. But have you ever asked yourself what are sacrifices made by OFW just to fill an entire box? Some OFWs accept overtime even tired for extra money. Some take on extreme jobs they did not even sign-up for. While others are looking for a part-time job to have enough cash to buy clothes, chocolates, toys, shoes, cellphone, etc for the family who is asking for this and that.  And when they go home for vacation, they also make unbelievable sacrifices to buy all the pasalubong you ask for. It does not matter for them if they don't have new clothes, bags or shoes as long as they can buy what family member is asking for so long.  8. They missed home so much  Even though they missed home so much, they cannot come home yet. This is very sad because every OFW comes to a point where he wants to give up everything and go home to be with his family. There are sacrifices, loneliness, and challenges that are too much to take for OFW that they want to go home. But because of the responsibilities on their shoulder, they choose to go on even it is really hard for them to be away. Also for OFWs, there is no place like home!
6. OFWs won't tell you that they are tired of working abroad

Many OFWs are the bread and butter of the family. They are an instrument for someone's dream to finish college, buy a home or a car for a family, have a livelihood and investment and so on..Because of this, it is very difficult for them to give up their work and go home. OFWs are selfless, they cannot let everyone down because they are tired of working. This is one reason why there are OFWs who are still working abroad in spite of old age.
Working abroad is the dream of many Filipinos in spite of the truth that OFW life is not easy. As an overseas Filipino worker (OFW) you have to embrace a life away from your family, deal with very long hours of stress, loneliness and even frustration. But because working abroad gives you big salaries that you cannot earn in the Philippines you decide to go anyway and practice what many OFWs said, "the art of sacrifice."  It is very common that when we heard the word "OFW", a person with much money always comes first in our mind. Somehow, it becomes a tradition that when we meet an OFW relative or friend, we ask for "pasalubong." OFWs are also the first person we call in case of emergency and other financial related problems.  In other words, OFW's earning becomes a solution to many of our problem and their life abroad is now associated with success, wealth and comfort. Isn't it? But in reality, it is not always "milk and honey" there are many things OFWs never tell about their life abroad so that their family back home won't worry about their situation.  Here are 10 things OFWs never tell about their life abroad;  1. What you see in social media is just a very small part of OFW life!  Photos of beautiful new places where they able to visit, restaurants where they dine or meeting a new friend at a party that makes you said to yourself, "mabuti pa siya!" is just a tiny part of OFW life.   But away from social media, it is far from being all happy. No one takes pictures and rants on social media about hard work and overtime, long hours of stress, getting scolded by an employer, soul-crushing jobs, struggles of dealing with superiors and colleagues who belittle Filipinos, poor living condition and so many to mention. Nobody brags on Facebook that she came as a teacher but ended as a household service worker or domestic worker abroad.  Many OFWs keep these things to themselves even lives are not exactly what they expected.  2. OFW life is lonely  OFWs get to decide every day what to choose between homesick versus dollars. Homesickness and separation anxiety is the number one enemy of an OFW.   Being away for a year or two from your family is really hard. They've missed so many special occasions, including children's birthday, school graduation, wedding anniversary and many other special events. OFWs also missed their children growing up. Even holidays like Christmas and New Year don't feel the same. While your family is celebrating, you are at work or perhaps in your boarding house alone watching or celebrating them through Skype.   3. OFW doesn't have money all the time  Many people really believe that money is easy to earn for OFWs and their money is endless while they are working. OFWs are the first person to call when there is a financial need at home. Many special monetary favors are being asked to OFW just because they are working abroad. OFWs are being asked to sponsor a lechon for baptism, birthday parties, school or family reunion even for a yearbook! There are relatives who are also asking for start-up amount for a new business or for a tricycle and other livelihoods.  The truth is, many OFWs remits almost all of their salary to their family back home. If there is something left, it is just enough for OFW's basic needs until the next payday. So when an emergency arises, the tendency is OFW will loan from his company or other institution that he needs to pay for the next few months.  4. Not everyone lived a good life abroad  OFWs won't tell you that they are struggling while working in other countries. Without family members, they're the one to cook for themselves. This is the reason why egg, bread, and noodles become "best friends" of OFWs. Sometimes, OFWs deal with long hours of work or overtime just to get extra pay. And when they get home, they still have to do chores like washing their clothes, cook food and cleaning their spaces because no one will do this for them. A lot of their day-off is spent alone in their apartment to rest and be ready for another challenging day.  5. OFWs can't afford to get sick  OFWs decide to work even not feeling well because they cannot afford to get sick. No one would be there to take care of them unless they have close friends or loved ones who are around. If they don't have sick days at work, OFW goes to work and said, "sayang ang kikitain". OFWs are also scared of serious illness or accident because they think much on those who rely on them and in their income.   6. OFWs won't tell you that they are tired of working abroad  Many OFWs are the bread and butter of the family. They are an instrument for someone's dream to finish college, buy a home or a car for a family, have a livelihood and investment and so on..Because of this, it is very difficult for them to give up their work and go home. OFWs are selfless, they cannot let everyone down because they are tired of working.  This is one reason why there are OFWs who are still working abroad in spite of old age.  7. The balikbayan box is a product of sweat, tears and even blood  Everyone is excited to received and OFW box. But have you ever asked yourself what are sacrifices made by OFW just to fill an entire box? Some OFWs accept overtime even tired for extra money. Some take on extreme jobs they did not even sign-up for. While others are looking for a part-time job to have enough cash to buy clothes, chocolates, toys, shoes, cellphone, etc for the family who is asking for this and that.  And when they go home for vacation, they also make unbelievable sacrifices to buy all the pasalubong you ask for. It does not matter for them if they don't have new clothes, bags or shoes as long as they can buy what family member is asking for so long.  8. They missed home so much  Even though they missed home so much, they cannot come home yet. This is very sad because every OFW comes to a point where he wants to give up everything and go home to be with his family. There are sacrifices, loneliness, and challenges that are too much to take for OFW that they want to go home. But because of the responsibilities on their shoulder, they choose to go on even it is really hard for them to be away. Also for OFWs, there is no place like home!
7. The balikbayan box is a product of sweat, tears and even blood

Everyone is excited to received and OFW box. But have you ever asked yourself what are sacrifices made by OFW just to fill an entire box? Some OFWs accept overtime even tired for extra money. Some take on extreme jobs they did not even sign-up for. While others are looking for a part-time job to have enough cash to buy clothes, chocolates, toys, shoes, cellphone, etc for the family who is asking for this and that. 

And when they go home for vacation, they also make unbelievable sacrifices to buy all the pasalubong you ask for. It does not matter for them if they don't have new clothes, bags or shoes as long as they can buy what family member is asking for so long.
Working abroad is the dream of many Filipinos in spite of the truth that OFW life is not easy. As an overseas Filipino worker (OFW) you have to embrace a life away from your family, deal with very long hours of stress, loneliness and even frustration. But because working abroad gives you big salaries that you cannot earn in the Philippines you decide to go anyway and practice what many OFWs said, "the art of sacrifice."  It is very common that when we heard the word "OFW", a person with much money always comes first in our mind. Somehow, it becomes a tradition that when we meet an OFW relative or friend, we ask for "pasalubong." OFWs are also the first person we call in case of emergency and other financial related problems.  In other words, OFW's earning becomes a solution to many of our problem and their life abroad is now associated with success, wealth and comfort. Isn't it? But in reality, it is not always "milk and honey" there are many things OFWs never tell about their life abroad so that their family back home won't worry about their situation.  Here are 10 things OFWs never tell about their life abroad;  1. What you see in social media is just a very small part of OFW life!  Photos of beautiful new places where they able to visit, restaurants where they dine or meeting a new friend at a party that makes you said to yourself, "mabuti pa siya!" is just a tiny part of OFW life.   But away from social media, it is far from being all happy. No one takes pictures and rants on social media about hard work and overtime, long hours of stress, getting scolded by an employer, soul-crushing jobs, struggles of dealing with superiors and colleagues who belittle Filipinos, poor living condition and so many to mention. Nobody brags on Facebook that she came as a teacher but ended as a household service worker or domestic worker abroad.  Many OFWs keep these things to themselves even lives are not exactly what they expected.  2. OFW life is lonely  OFWs get to decide every day what to choose between homesick versus dollars. Homesickness and separation anxiety is the number one enemy of an OFW.   Being away for a year or two from your family is really hard. They've missed so many special occasions, including children's birthday, school graduation, wedding anniversary and many other special events. OFWs also missed their children growing up. Even holidays like Christmas and New Year don't feel the same. While your family is celebrating, you are at work or perhaps in your boarding house alone watching or celebrating them through Skype.   3. OFW doesn't have money all the time  Many people really believe that money is easy to earn for OFWs and their money is endless while they are working. OFWs are the first person to call when there is a financial need at home. Many special monetary favors are being asked to OFW just because they are working abroad. OFWs are being asked to sponsor a lechon for baptism, birthday parties, school or family reunion even for a yearbook! There are relatives who are also asking for start-up amount for a new business or for a tricycle and other livelihoods.  The truth is, many OFWs remits almost all of their salary to their family back home. If there is something left, it is just enough for OFW's basic needs until the next payday. So when an emergency arises, the tendency is OFW will loan from his company or other institution that he needs to pay for the next few months.  4. Not everyone lived a good life abroad  OFWs won't tell you that they are struggling while working in other countries. Without family members, they're the one to cook for themselves. This is the reason why egg, bread, and noodles become "best friends" of OFWs. Sometimes, OFWs deal with long hours of work or overtime just to get extra pay. And when they get home, they still have to do chores like washing their clothes, cook food and cleaning their spaces because no one will do this for them. A lot of their day-off is spent alone in their apartment to rest and be ready for another challenging day.  5. OFWs can't afford to get sick  OFWs decide to work even not feeling well because they cannot afford to get sick. No one would be there to take care of them unless they have close friends or loved ones who are around. If they don't have sick days at work, OFW goes to work and said, "sayang ang kikitain". OFWs are also scared of serious illness or accident because they think much on those who rely on them and in their income.   6. OFWs won't tell you that they are tired of working abroad  Many OFWs are the bread and butter of the family. They are an instrument for someone's dream to finish college, buy a home or a car for a family, have a livelihood and investment and so on..Because of this, it is very difficult for them to give up their work and go home. OFWs are selfless, they cannot let everyone down because they are tired of working.  This is one reason why there are OFWs who are still working abroad in spite of old age.  7. The balikbayan box is a product of sweat, tears and even blood  Everyone is excited to received and OFW box. But have you ever asked yourself what are sacrifices made by OFW just to fill an entire box? Some OFWs accept overtime even tired for extra money. Some take on extreme jobs they did not even sign-up for. While others are looking for a part-time job to have enough cash to buy clothes, chocolates, toys, shoes, cellphone, etc for the family who is asking for this and that.  And when they go home for vacation, they also make unbelievable sacrifices to buy all the pasalubong you ask for. It does not matter for them if they don't have new clothes, bags or shoes as long as they can buy what family member is asking for so long.  8. They missed home so much  Even though they missed home so much, they cannot come home yet. This is very sad because every OFW comes to a point where he wants to give up everything and go home to be with his family. There are sacrifices, loneliness, and challenges that are too much to take for OFW that they want to go home. But because of the responsibilities on their shoulder, they choose to go on even it is really hard for them to be away. Also for OFWs, there is no place like home!
8. They missed home so much

Even though they missed home so much, they cannot come home yet. This is very sad because every OFW comes to a point where he wants to give up everything and go home to be with his family. There are sacrifices, loneliness, and challenges that are too much to take for OFW that they want to go home.

But because of the responsibilities on their shoulder, they choose to go on even it is really hard for them to be away.
Also for OFWs, there is no place like home!
Working abroad is the dream of many Filipinos in spite of the truth that OFW life is not easy. As an overseas Filipino worker (OFW) you have to embrace a life away from your family, deal with very long hours of stress, loneliness and even frustration. But because working abroad gives you big salaries that you cannot earn in the Philippines you decide to go anyway and practice what many OFWs said, "the art of sacrifice."  It is very common that when we heard the word "OFW", a person with much money always comes first in our mind. Somehow, it becomes a tradition that when we meet an OFW relative or friend, we ask for "pasalubong." OFWs are also the first person we call in case of emergency and other financial related problems.  In other words, OFW's earning becomes a solution to many of our problem and their life abroad is now associated with success, wealth and comfort. Isn't it? But in reality, it is not always "milk and honey" there are many things OFWs never tell about their life abroad so that their family back home won't worry about their situation.  Here are 10 things OFWs never tell about their life abroad;  1. What you see in social media is just a very small part of OFW life!  Photos of beautiful new places where they able to visit, restaurants where they dine or meeting a new friend at a party that makes you said to yourself, "mabuti pa siya!" is just a tiny part of OFW life.   But away from social media, it is far from being all happy. No one takes pictures and rants on social media about hard work and overtime, long hours of stress, getting scolded by an employer, soul-crushing jobs, struggles of dealing with superiors and colleagues who belittle Filipinos, poor living condition and so many to mention. Nobody brags on Facebook that she came as a teacher but ended as a household service worker or domestic worker abroad.  Many OFWs keep these things to themselves even lives are not exactly what they expected.  2. OFW life is lonely  OFWs get to decide every day what to choose between homesick versus dollars. Homesickness and separation anxiety is the number one enemy of an OFW.   Being away for a year or two from your family is really hard. They've missed so many special occasions, including children's birthday, school graduation, wedding anniversary and many other special events. OFWs also missed their children growing up. Even holidays like Christmas and New Year don't feel the same. While your family is celebrating, you are at work or perhaps in your boarding house alone watching or celebrating them through Skype.   3. OFW doesn't have money all the time  Many people really believe that money is easy to earn for OFWs and their money is endless while they are working. OFWs are the first person to call when there is a financial need at home. Many special monetary favors are being asked to OFW just because they are working abroad. OFWs are being asked to sponsor a lechon for baptism, birthday parties, school or family reunion even for a yearbook! There are relatives who are also asking for start-up amount for a new business or for a tricycle and other livelihoods.  The truth is, many OFWs remits almost all of their salary to their family back home. If there is something left, it is just enough for OFW's basic needs until the next payday. So when an emergency arises, the tendency is OFW will loan from his company or other institution that he needs to pay for the next few months.  4. Not everyone lived a good life abroad  OFWs won't tell you that they are struggling while working in other countries. Without family members, they're the one to cook for themselves. This is the reason why egg, bread, and noodles become "best friends" of OFWs. Sometimes, OFWs deal with long hours of work or overtime just to get extra pay. And when they get home, they still have to do chores like washing their clothes, cook food and cleaning their spaces because no one will do this for them. A lot of their day-off is spent alone in their apartment to rest and be ready for another challenging day.  5. OFWs can't afford to get sick  OFWs decide to work even not feeling well because they cannot afford to get sick. No one would be there to take care of them unless they have close friends or loved ones who are around. If they don't have sick days at work, OFW goes to work and said, "sayang ang kikitain". OFWs are also scared of serious illness or accident because they think much on those who rely on them and in their income.   6. OFWs won't tell you that they are tired of working abroad  Many OFWs are the bread and butter of the family. They are an instrument for someone's dream to finish college, buy a home or a car for a family, have a livelihood and investment and so on..Because of this, it is very difficult for them to give up their work and go home. OFWs are selfless, they cannot let everyone down because they are tired of working.  This is one reason why there are OFWs who are still working abroad in spite of old age.  7. The balikbayan box is a product of sweat, tears and even blood  Everyone is excited to received and OFW box. But have you ever asked yourself what are sacrifices made by OFW just to fill an entire box? Some OFWs accept overtime even tired for extra money. Some take on extreme jobs they did not even sign-up for. While others are looking for a part-time job to have enough cash to buy clothes, chocolates, toys, shoes, cellphone, etc for the family who is asking for this and that.  And when they go home for vacation, they also make unbelievable sacrifices to buy all the pasalubong you ask for. It does not matter for them if they don't have new clothes, bags or shoes as long as they can buy what family member is asking for so long.  8. They missed home so much  Even though they missed home so much, they cannot come home yet. This is very sad because every OFW comes to a point where he wants to give up everything and go home to be with his family. There are sacrifices, loneliness, and challenges that are too much to take for OFW that they want to go home. But because of the responsibilities on their shoulder, they choose to go on even it is really hard for them to be away. Also for OFWs, there is no place like home!
This article is filed under Filipino workers, OFW life, life abroad, money, remittances, financial problems, and social media.

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The Department of Foreign Affairs (DFA) continues to implement new programs and project this year just to make passport application and renewal easy as 1,2, and 3. The most common problem a Filipino may face in passport application or renewal is securing a slot in an online appointment. Perhaps this is the most common complaints of people who want to apply or renew a passport.   But what DFA is doing to improve the whole passport application process? In this post, we will give emphasis to the new things introduced by the Department of Foreign Affairs (DFA) to slowly solve the problem. As what DFA Secretary Peter Allan Cayetano said, "we owe the public and efficient, fast, and safe passporting system".  1.  30,000 passports a day  This is the goal of the DFA that before the end of the year, the agency will be able to produce 30,000 passports per day without compromising the document's security. According to Cayetano, the public can expect for a much easier way to secure an online appointment be it for application or renewal. Currently, DFA can process 19,000 passports per day from 9,500 output per day in 2016.  2.  More Passport on Wheels, Extended Office Hours  To achieve the target of 30,000 passports per day, DFA confirms that they have eight vans with five printing machines each.  These vans were added to DFA's passport on wheels. Each machine can print 100 passports. DFA's office hour is already extended to cater more passport applicants. DFA is also open on Saturdays to speed up the application.  In addition to this, slots for travel agencies are reduced but this is in contrary to the earlier statement of DFA that travel agencies appointment slots have been removed to give back to the Filipino public.  Express lanes for a person with disabilities (PWDs) single parents, senior citizens, OFWs and children below seven years old are still implemented.  3. ePayment System  The ePayment system has been launched in June and being used by 94 percent of passport applicant according to DFA. With the ePayment system, passport applicants can now pay the fees in Bayad Centers and other venues such as 7-Eleven.  4. Additional Consular Offices  To make passport application or renewal hassle-free, eight consular offices are set to open this 2018! Four are already in the process. Two of these are operational and located in the Santiago City of Isabela and San Nicolas in Ilocos Norte.  5. Passport Printing Machines in Other Countries  For the benefit of Overseas Filipino workers (OFWs) and overseas Filipinos, Cayetano is pushing for passport printing machines to be set-up in the United States, and probably in the Middle East or Europe. With passport printing machines, the finished passports will no longer be mailed to these regions, instead, it can be printed directly in the area.   There you go! According to Secretary Cayetano, the DFA is doing its best to implement all of these five programs this year. So for people out there who are planning to apply for a passport or to renew, just take a little patient with you in this whole process.


According to the World Bank Global Findex, only 31.3 percent of Filipino adults have a formal account in the bank. Are you one of them or are you with the bigger population that chooses to save money on their own homes?  There are many reasons why Filipinos are not keen on opening a bank account. Few of these are the cost, lack of money, lack of documentary requirements and perceived low utility of a bank account. To solve this problem, the Monetary Board of the Banko Sentral ng Pilipinas, approved a new Circular that sets out the framework for banks to offer a basic deposit account to promote ownership among the unbanked population.  Under the framework, it will address the above-mentioned barriers and the minimum key feature of the account will include the following 1. Simplified know-your-customer (KYC) requirement 2. Opening amount of less than P100 3. No minimum maintaining balance 4. No dormancy charges 5. Maximum balance is set at P50,000  According to BSP, the feature of basic deposit account meet the need of the unbanked for low-cost, no-frills deposit account. It says that this account can be opened in the bank even if applicants don't have the standard identification documents. Under this basic bank account, Filipinos can save, borrow, invest and buy insurance policies without the burden of having to provide documentary requirements or even a minimum deposit maintaining balance.  “Ownership of an account provides Filipinos the tool to save and transact money in a safe, convenient and affordable manner,” the central bank said in a statement, explaining the new policy. “It can unlock access to a wider range of financial services to meet their various needs, including credit, insurance, and investments.”  The BSP added that banks can customize a basic deposit account product to serve wider markets and harness technological innovations to attract more clients.

Saving money with a bank considered to be the easiest and safest way to save money. With banks, it offers a different type of savings account where you can save money at the same time earns interest. Aside from this, you can be so sure that your money is safe at the bank because they cannot be lost or stolen. But here in the Philippines, although many people save, only a few put their savings in the bank. According to the latest survey of Bangko Sentral ng Pilipinas, seven out of 10 Filipinos don't have savings in the bank. Are you one of them? If you are looking for a bank that will value your money in a savings account you may check the following comparison of savings account from 10 banks in the Philippines.   1. Tanay Rural Bank Savings Account Interest — Up to 1.75% Initial Deposit — P500 Balance to Interest — P500 High-interest savings account for as low as ₱500 initial deposit  2. Security Bank eSecure Savings Account Interest — Up to 1.20% Initial Deposit — P500 Balance to Interest — P5,000 Higher-earning savings account designed to get you more from your savings  Security Bank Regular Build Up Savings Account Interest — Up to 50% Initial Deposit — P5,000 Balance to Interest — P10,000 Earn higher interest with no lock-in or fixed minimum term.  3. Equicom Savings Bank Kiddie Builders Savings Account Interest — Up to 1.00% Initial Deposit — P500 Balance to Interest — P1,000 An interest-bearing passbook savings product designed for kids with a high-interest rate.  4. Sterling Bank of Asia Bayani OFW Savings Account Interest — Up to 1.00% Initial Deposit — P0 Balance to Interest — P2,000 Account intended to support the requirement and needs of Overseas Filipino Workers (OFWs)  Sterling Bank of Asia Solo Savings Account Interest — Up to 0.50% Initial Deposit — P5,000 Balance to Interest — P5,000  Sterling Bank of Asia Neo Savings Account Interest — Up to 0.38% Initial Deposit — P0 Balance to Interest — P2,000 A special savings deposit account for kids ages 17 and below.  5. BPI Direct Savings Direct Express Teller Savings Interest — Up to 0.50% Initial Deposit — P500 Balance to Interest — P500 Monitor and manage your accounts anytime, anywhere easily with superior electronic banking channels  BPI Direct Savings BPInoy Savings Interest — Up to 0.50% Initial Deposit — P0 Balance to Interest — P500 Receive remittances fast and safe with your Bpinoy Savings Account  BPI Direct Savings Save-Up Automatic Savings + Insurance Interest — Up to 0.50% Initial Deposit — P0 Balance to Interest — P1,000 A savings account that comes with free life insurance coverage  BPI Family Savings Save-Up Automatic High Savings Interest — Up to 0.50% Initial Deposit — P0 Balance to Interest — P3,000  Savings account that comes with a free life insurance equivalent to up to 5x your savings account balance  BPI Family Savings Jumpstart Savings Interest — Up to 0.50% Initial Deposit — P100 Balance to Interest — P1,000 Savings account specially designed for children age 10-17 y/o, for them to get the best out of saving  BPI Family Savings Easy Saver Interest — Up to 0.50% Initial Deposit — P200 Balance to Interest — P1,000 Open your own savings account for only ₱200  6. RCBC Savings Bank Dragon All-in-one - Personal Account Interest — Up to 0.38% Initial Deposit — P25,000 Balance to Interest — P25,000 Enjoy higher interest rates than regular savings account while enjoying unlimited access to your accounts via ATMs and RCBC branches  7. BDO Prime Savers Interest — Up to 0.25% Initial Deposit — P2,000 Balance to Interest — P5,000 Savings account for individuals 60 years old and up. who wants to enjoy special forex rates and priority service.  BDO Power Teens Club Interest — Up to 0.25% Initial Deposit — P2,000 Balance to Interest — P2,000 Savings account for kids age 13-19 y/o which they can open with an ATM Card  BDO Peso Passbook Savings Account Interest — Up to 0.25% Initial Deposit — P5,000 Balance to Interest — P10,000 Enjoy the security of a passbook and earn fixed interest on your savings.  8. BPI Kaya Savings Interest — Up to 0.25% Initial Deposit — P200 Balance to Interest — P1,000 Savings account with no maintaining balance and with a minimal fee for withdrawal transactions  BPI Pamana Padala Interest — Up to 0.25% Initial Deposit — P500 Balance to Interest — P5,000 Savings account specially designed savings account for Overseas Filipino Remitters  BPI Save-Up Automatic Savings + Insurance Interest — Up to 0.25% Initial Deposit — 0 Balance to Interest — P5,000 A savings account that comes with free life insurance coverage  BPI Jumpstart Savings Interest — Up to 0.25% Initial Deposit — 100 Balance to Interest — P2,000 Savings account specially designed for children age 10-17 y/o, for them to get the best out of saving  9. Maybank Classic Savings Account Interest — Up to 0.25% Initial Deposit — 10, 000 Balance to Interest — P10,000 Regular passbook savings account that comes with a free ATM card  Maybank IM Teen Savings Account Interest — Up to 0.25% Initial Deposit — P500 Balance to Interest — P5,000 Savings account with a personal accident and medical reimbursement benefit for individuals aged 13 to 17  10. Metrobank Debit/ATM Card Savings Account Interest — Up to 0.25% Initial Deposit — P2,000 Balance to Interest — P10,000 Perform your transactions at any ATM Metrobank terminal using your ATM card  Metrobank OFW Debit/ATM Card Savings Account Interest — Up to 0.25% Initial Deposit — P0 Balance to Interest — P10,000 Perform your transactions at any ATM Metrobank terminal using your ATM card

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