THOUGHTSKOTO

Showing posts with label goals. Show all posts

Wednesday, August 09, 2023

7 Simple Tips para Makapag-Ipon sa Kabila ng Hirap ng Panahon

SA panahon ngayon, malaking hamon na ang pag-iipon dahil sa napaka-mahal na ng mga bilihin at halos hindi naman tumataas ang sahod natin. Kaliwa't kanan ang mga gastusin at kung minsan, bago mo maisip na magtabi para sa savings, ubos na ang sahod mo.

Ngunit sa kabila nito, importante pa ring ugaliin ang pag-iipon para sa kinabuksan mo at ng pamilya mo. Kung may ipon, may magagamit sa panahong tayo ay gipit.

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Narito ang walong simpleng tips na maaaring sundin para makapag-ipon.

1. Gamitin ang 70-20-10 rule.

Ang 70% ay ilaan sa living expenses kagaya na lamang ng bills, pagkain at iba pang basic need.

Ang 20% naman ay ilaan sa pagbabayad ng utang kung mayroon. Kung walang utang, maari itong ilaan bilang savings, investment o retirement fund.

Ang natitirang 10% ay para sa pagbabalik-grasya sa Diyos o tithing. Kung hindi ka naman naniniwala sa tithing, maaari mo itong gamitin sa mga bagay na gusto mo o wants.

2. I-record ang gastos at kung saan napupunta ang pera mo.

I-lista ang lahat na gastos at itabi ang lahat na mga resibo. Sa ganitong pamamaraan, malalaman mo kung saan napupunta ang kita mo. I-lista din ang lahat na kitang pumapasok mula sa sweldo, sideline at iba pang pinagkakakitaan.

Sa ganitong paraan, malalaman mo kung magkano ang pumapasok na pera sa iyo sa loob ng isang buwan at magkano ang gastos mo. Magiging guide mo rin ito sa pag-gastos at pagpili ng short o long term goal sa pag-iipon.

3. Mag-automatic savings.

Madalas umaasa tayo sa ating willpower o kagustuhang mag-ipon ngunit sa huli, walang naitatabi.

Kapag hawak na ang pera, madaling matuksong gumastos. Pero bago pa man gumastos, itabi muna ang para sa ipon. Maaaring subukan ang automatic savings para hindi mahirapang magtabi ng pera mula sa sweldo buwan-buwan.

May mga banko na nag-aalok ng option para sa Automatic Savings Plan o maaari mong kausapin ang HR ninyo na agad na ibawas sa sweldo mo buwan-buwan ang 20% para sa savings mo.

Dahil uso na rin ang online o mobile banking, maaari mo rin itong gawin sa pamamagitan ng paglipat ng pera mula sa sweldo mo sa iyong savings account bago pa man i-withraw ang sahod.

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Saturday, July 14, 2018

Wife, Sons of OFW Making Good Use of His Remittances For Ten Years

Overseas work has become a way of life for many Filipinos. As our OFWs sweat it out in foreign countries, shouldn't families of overseas workers contribute to the well-being of everyone and not just depend on remittances? This is crucial to ensure OFWs won't have to remain overseas workers forever.

Let's face it. Overseas work, sadly, has become a way of life for many Filipinos and many breadwinners have to separate from their spouse and children or their parents in order to have a chance for a "greener pasture", so to speak.

"Para sa Pamilya"

The basic unit of society - the family - has become the primary reason why many have chosen, and are still choosing, to work overseas; believing that they could earn more abroad than be locally employed.

To provide for their children's education as well as the family's daily needs, have their own house and lot, their own car and/or own business -- these are among the major goals why many opt to work overseas and get a higher pay.

All OFWs fly across the miles and fight homesickness and boredom, hardships at work and cultural adjustments in their place of destination. It's not easy to live in a foreign land and live among strangers but Filipinos continue to try and cope -- to achieve their goals.

Timelines

It would usually take many years, even decades, before the OFWs' goals are achieved. However, Pinoys have different timelines as to the number of years they'll spend away from their family.

Here's an interesting example of an OFW and his family who planned in advance that ten years would be their timeline to achieve their targets.

Nanay Gail has been married to her husband for 22 years and they have three sons aged 21, 19 and 8. The couple both came from poor families and both experienced various challenges in life and were unable to get a college degree. However, both were tough, positive thinkers and together, they were determined to overcome poverty.

(Image via Pixabay)

After trying different livelihood sources and barely meeting all their family's needs, they agreed that her husband will have to seek work abroad. They discussed this together with their children and Nanay Gail's mother who lived with them since their marriage.

And so it was that her husband became an overseas worker for ten years; employed as a fruit box assembler in South Korea.

He also busied himself on learning different skills like carpentry and computer troubleshooting with the help of a few friends despite having no formal schooling about computers.

On the first two years, they paid loans acquired before her husband was able to work abroad. Nanay Gail continued working at a factory in Batangas for two years while her mother looked after the kids.

On the third and fourth year, they saved to buy a lot on which to build their home while setting a strict budget for the family's basic needs. In the years that followed, their house became a reality. A second-hand car followed a year after.

After they moved into their simple abode which was bare of finishing touches at the time, Nanay Gail, together with her sons, began breeding dogs and selling them to help their head of the family.

Moreover, the sons made sure to make their father proud and at peace by not indulging in vices and by studying well while they assisted their mother. They never got into any trouble and were raised to be simple persons; having no desire for grand material things. The two elder sons are graduating in a few months; both with a bachelor's degree.

But of course, it's not Scrooge mode all the time.

Because family comes first, they make sure birthdays and other special occasions are celebrated. And when the father comes home, they spend quality time as a family via outings and trips to different places. That's what the car is for!

The father, inspired by his family's cooperation and conscientious desire to somehow lighten his load, decided to busy himself with arts and crafts on his free time as well as bicycling to ward off boredom and homesickness.

He also stayed away from temptation and became more intent on saving more for their family's future by getting sideline work. In short, no extravagant spending and nights out with the boys!

Combine this with his family's efforts to help him augment their income --- and what have we got?

Ten years timeline achieved!

Yes, Nanay Gail is so happy to finally have their head of the family by their side for good this year. Their sons are so proud of their father and together, although more challenges in life are sure to come, they will face them with more readiness and unity.

Why? Because they have planned and communicated well as a family.

They believe that overseas work away from family is NOT supposed to be for a lifetime.

Wednesday, October 25, 2017

What is Inside The Mind Of An OFW When They Decided To Work Overseas

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Every Overseas Filipino Workers (OFWs) has their own plans and dreams before they even step on board the plane that will take them to their host countries. In fact, they already have it in their mind from the very start of finding an overseas job. It is echoing inside their head while they are on their seats waiting for their turn on their interview or while inside a cab going to their recruitment agencies. It could be a plan for he family , for their kids or simply for themselves.

We made a survey on what is really inside the mind of an OFW before they actually decided to leave the country and work abroad.

Unsurprisingly, most of them did it for their family. They want to earn so that they can be able to help their parents, siblings, etc. They want to give them a better life or somehow relieve them of their difficulties in life. It is also a way to prove themselves to others. That they can do something significant. That they can matter somehow.

Of course, being able to have a house and lot that they could call their own, a decent abode for their family, would be on the top of the list. To earn and save for the future, to send their kids to school until they finish college, that's what every parent want for their children. Some OFWs would tell themselves that they will work abroad for a certain period, one contract for example, and then they will stay home for good, but, more often than not, they never live up to this plan. They will finish the first contract and realize that they did not saved enough and then go for another, until they realized that they have already spent a few years and still missed their goal.

Most OFWs belong to poor families. Being raised in a family who struggles a lot for their daily needs forged them into a hard hitting fighter. The most common reason why a lot of them do everything to go abroad for work is a motivation that they have earned as they grow. "My family is poor and I don't want my children to experience the struggles and difficulties we went through." No motivation will keep you up and fighting other than this.

And as they grow up, there is something in their head telling them that if only they could work abroad, they will get rid of this poverty and they can give their family a taste of an abundant living. Buying what they need, eating more than three times a day, striding away from the shadow of poverty into a life of abundance.
Every OFW who works overseas has the burden of lifting their loved once from the swamp of helplessness. It is not only for themselves but for the ones they love. They know that it will not be easy, yes, but no tests could be harder for them than the feeling of being poor , and they don't want it anymore.

It is somehow frustrating if your plan does not go as expected just like many OFWs had experienced but it is not the end of the line. Filipinos being resourceful and diligent, they can always do a diversion. The sad truth is that, no matter how you hold on, there are consequences of being away with your family. The damage being made by distance could be catastrophic. It could be between parents and children or husband and wife.

Every OFWs strength rely on their faith in God. Their foremost adversary is homesickness. Bring it all on! An OFW will still stand. They could conquer anything for the love of their family.

Thoughtskoto

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