Showing posts with label helping. Show all posts
Showing posts with label helping. Show all posts

Wednesday, May 1, 2019

Let Me Vent A Little

Married for 6 years.

And a little girl who's going to enter elementary this coming school year.

Currently renting an apartment.

No vehicle here in our rented place.

Fixed Bills (Electricity, Internet and Post Paid Line)

Parents' monthly stipend.

Single income household.

My premise at the moment.

In a span of 6 years, a lot has changed. Motherhood has changed me drastically. Personal finance has significantly changed my money view. It eventually lead me to live a debt-free life which I am enjoying right now. There are bills to pay. There are savings and investments we set aside each and every month.

One thing though hasn't changed.

For all my working life, I have been the breadwinner of the family. Yes, I am the eldest. And now that I have a family of my own, it slightly changed. From my parents' point of view. Nonetheless, it is almost the same scenario. Allow me to vent out a little.


Recently, both parents has been sick. One of my sibling with her child live with them. Another one just a town away with his own family. We have a feud way back involving his mother-in-law and his wife. My brother and I eventually settled it. My sister in law and I just became civil a little over a month ago. She doesn't attend any family gatherings where I am there. Maybe because 'nahihiya' of what she did to parents. I won't elaborate more. My parents weren't perfect. And they always say in tears, "Porke ba mahirap lang kami, ganito lang". But they are okay now.


 Families, I know there will be time that we don't talk. Have some inevitable quarrels. After all, though we were raised in the same roof, we have different experiences and outlook to what has transpired. Unique individuals. We are shaped by what we have experience. The environment we thrived in. And so on and so forth.

When the parents were sick, my family (husband, little girl and I) is away. I begged the brother to visit them and bring them to the doctor. He has the means. He said yes, but it didn't happened until we came home. He was busy constructing his newly built home. I was so frustrated. (Tambak talaga ako ng suliranin these days...) And disappointed because it would have prevented a much bigger amount of expenditures.

My father has already seen a doctor and did a series of laboratory test. He is taking his medicines now. However, my challenge is on my mother. I got her to the doctor after I get mad because she wouldn't want to go to the hospital. And since it's been three weeks, her condition needed more test and treatment.


I dig up on my emergency fund. There is no worry, I have money saved.

But this situation made me realized further more.

One, I need to save up more on my emergency fund because no one will be able to help me, or my family, or parents when something happened. God forbid.

Though we are four children, life is now getting in the way. This is a testament of real life. The sad reality of when parents are old. Please don't judge us. If you don't experience this, I am happy for you.

Two, my parents are old and I need a lot of patience. They are stubborn when it comes to going to the doctor. I always tell them, that life evolved. There are social changes. Environment changes. Technology changes. What was working well on their hey days, some are no longer applicable. The doctor said, one of the cause of the severe flare is stress. Tanong ng nanay ko sa akin' "Bakit nuon wala naman yang stress stress na yan?" Actually, there been a lot of source of stress for her lately. This involved my cousins and grandmother, but I won't be elaborating further here.


Three. If I resign this early, I will not be able to save more? It's a question which is bugging me for quiet sometime now. You can read previous post. Isasapalaran ko ba ang comfort ng family ko at ng parents ko? Will there be life after I leave this present job? Will I regret my decision to resign? And a lot of what ifs?

My planned month to leave my work is June just right in time when my little girl goes back to school in July. Yet, until now, I haven't had a solid response from all my applications. I am 38 and if I live in the next 25 years, what I have set aside is still not enough to cover all my expenses. I need a replacement job.

The question now is, if I postpone my resignation, kakayanin ko pa ba? The stress this job function is giving me is undeniably worse. It's giving me sleepless nights. I know that no matter how I try to learn and understand everything about it, I am really finding it difficult to keep up.





Friday, November 27, 2015

Jus Wanted To Write This

From the very first day I started to publish this blog site up until this very moment, I know some of my perspective has changed. It is inevitable. And I know I have shifted in one or another topics beyond personal finance. Maybe one of the reason is my actual personality.

I fail.
I moved on.
I fail again.
Get up.
Moved on again.
Stuck.
Divert.
Back again.
Get on.

Just like a normal other person, I think. It just that it's easily manifested with how I write. So basically for a few people who has been following my entries, you already know who I really am.

The way I think.
The way I act.
The way I react. 

Predictable right? Yes! A definite yes. Because this is just me. But when I embarked with my journey to financial freedom, I become obsess with the idea of it. I become more incline to learn more. I become more aggressive with slashing my goals - our financial goals as a family. Every day of my life, I start it with looking at the progress of my journey. How little I/We move, I rejoice. And I thank God all the time. It is a private victory I come to recognize.

There are quite days. There are disappointments. There are wonders. And yes, the struggles are real. But I am thankful for everything. I know there are more to come. I just need to focus more. Stay on track. And remind myself over and over again of my purpose.

I have big dreams. For myself. For my little girl. For our family. For my parents and siblings. For my in laws. For my community. For everyone. But I have to start with myself. And this is my start. This is where I am right now. And they are the future I am envisioning.

It has been almost 2 years, and I just only made a little difference. But I am glad I did. If not, I will still be the same employee struggling to make it to the next payday. Insurance has given me a little peace of mind knowing that if He decided to take me too soon, I will not left my little girl with nothing. The journey has opened so many doors for us. Such as finally dipping our toes in UITF, MF, stocks trading, farming, corporate bonds, treasury bonds, and cooperatives.

In all honesty, there are so many vehicles out there to grow your money. We just need to have our due diligence to distinguish something/someone who can be trusted and move away from something/someone who will vanish our hard earned money. Key there is to really study and learn. And not just go with the tide.

So let us keep on learning. God Bless. :)

Wednesday, May 13, 2015

Praying for Nepal

Since I read the blog of Bo Sanchez when in comes to watching tv, I myself have removed it from my routine. Aside from the fact, that the time when I accidentally read about him not watching the news was the time when the Mamasapano incident happened. I can't forced myself to watch how the Fallen 44 have died thus, it was easy for me not to watch any news anymore.

I came to know the earthquake in Nepal via instagram when some celebrities posted photos of prayers and just read about the news last week. It was a heartbreaking news knowing that thousands of individuals were hurt and are hurting over the loss of loved ones.

And yesterday, another quake near the Mt. Everest. I can't go further with reading about it. All I wanted to know is how an individual could help with not much of means like me. Our prayers for them could help. Let's all do our share of helping out. We may not be physically around them to assist, console, and give them our hug, however, we can pray for their healing and strength in this difficult times.

There are various organizations now in the field assisting. We can construe whatever we can share with them specially food and water. Quoting the World Food Programme I found in their website "Every donation makes a difference." We can help even a small amount. You can visit their site to donate: http://www.wfp.org/ . There are more organizations out there, feel free to send your help to one you believe  and trust in.

Let us help. Let's make a difference. They need us. Let us pray for them. Nothing is small in lending our help to them.