Kakasweldo lang, ubos na agad ang Sinuweldo?

Kakasweldo lang, Ubos na agad ang sweldo?
Or a Few days after ng sweldo, Ubos na agad ang pera?
Have you heard the following line?
 “Ano ba yan, Dumaan lang sakin ang sinuweldo ko”
 And the famous line na sinasabi a week or 2 before the month ends.
 “Ang tagal naman ng sahod, ubos na pera ko”

nasan sweldo

 Do you think sa Pinas  lang narrinig ang mga lines na ‘to?

Hindi, even for us OFW’s very common ang line na to. Talaga??

Ang laki-laki nang sweldo niyo, Kulang pa din?

Believe me, ganyan din ang akala ko dati nung na sa Pinas ako.Takaga

I even said to myself, “If nagwowork lang ako abroad, Hindi ako kakapusin.” Pero very common saming mga OFWs ang mga lines na yun kahit dollars ang sweldo nami and malaki compared sa sweldo sa Pinas.

Here are some of the reasons why this also happens to OFWs:

REMITTANCES

  • Almost half ng sweldo namin pinadadala naming sa Pinas
  • Ung iba ko ngang ka-officemate, pamasahi nalang, rent at food na lang ang budget, the rest pinadadala na sa Pinas.
  • Minus pa dito ung biglang may mag memessage samin in the middle of the month asking to send another remittances ulit. Birthday ni Ate, birthday ni bunso, Emergency reasons etc.

UTANG

  • Tama, kasama ang utang. Aside from the remittances that we send every month. A lot of us OFWs receive facebook messages, Viber, Text messages or calls from Pinas asking to borrow money. Mga emergency reasons. Pati ung mga kabatian naming na hindi naman tlga close friends or kapitbahay uutangan ka.
  • Madalas sa mga ito, hindio talaga utang kung hindi “Thank you na” Thank you na kasi wag ka nang mag-expect na babayaran ka pa. puti na uwak wala paring bayad.
  • Worse, pag-uwi mo ng Pinas bka hndi ka pa pansinin ng nang utang sayo. Ung iba naman uutangan ka ulit kahit hindi pa nabayaran ung huling utang sayo, Compound utang lang ang peg.
  • Pag nagbakasyon kami sa Pinas, dinudumog din kami, hindi dahil mukha kaming artista kung hndi dahil Naglalakad na Dollar ang tingin samin. Ung iba naman pag hindi napautang, kami pa lalabas na masama at madamot.

 BALIKBAYAN BOX

  • Ung iba sa amin, hindi na nakakauwi ng Pinas ng matagal. Imbis na gumastos to buy airplane tickets, ipinangbibili nalang ng mga ilalagay sa balikbayan box para maipadala sa Pinas.
  • Sa tingin mob a isang lingo lang puno na naming mga OFW ang balikbayan box? Hindi ung iba sa amin inaabot ng I;lang buiwan or 1 year or more para mapuno ang isangmalaking balikbayan box. Linggo pumupunta yan sa grocery at unti-unting nilalagay ang ipinamili sa Balikbayan box.
  • Minsan pag konti ang laman ng balikbayan box nagtatampo pa mga hindi nabigyan or konti lang ang naibigay, kawawang OFW.

 EXPENSIVE COST OF LIVING

  • Ung iba samin malaki sahod, Dollars / Riyals, Dirhams nga siguro ang sweldo namin at malaki ito pag converted na sa Philippine money pero remember this, hndi naman Philippine Peso ang ginagastos naming abroad, syempre ung Dollars, Riyals, Dirhams din kaya ung purchasing power naming ganun din.

 MAHILIG BUMILI NG GADGETS, BAGS ETC

  • O eto, hindi lng other factors kung bakit nauubos kaperahan namin. Minsan it’s because of our attitude din towards money
  • Na ho-homesick kasi kaming mga OFW most of the time, madami samin idinadaan sa pamimili ng gadgets, bagong damit or bag to fight homesickness temporarily.
  • Parang stress eating lang, sa OFWs shopping ang style pag punta sa malls, pumpunta sa bars pag day offs. eto minsan kasi ang pumapawi sa pagka-homesick namin kaya ganon.

SCAMS

  • Dito ako pinaka naiinis, OFWs are being targeted by scammers kasi alam nila na gusting gusto ng OFW na umuwi sa Pinas pag nagka business. So dadaanin sa business talk, un pala SCAM lang.
  • I know a lot of people na nagging biktima ng scams, sad to say I was a victim too, Years ago when I was not yet financially literate na-iscam ako ng $200.
  • Ako at madami sa officemates ko sa Singapore e naiscam din. Sadly Pinay ang scammer, nasa Changi Prison na sya ngayon. Not sure kung hanggang ngayn nandun pa din siya. Hindi na naibalik ang pera namin at mga ka officemates ko.

 

Good thing, I learned Financial literacy and Investments. Hindi ito scams, Investing sa Stock Market, Mutual Funds, Unit Investment Trust Funds at Real Estate un.

I learned how to handle money and make it work for me instead of me working for money.

I learned how to handle money

Write a comment below if you’d like to know how I handled finances and would like to know my turning point.

If you like this post and would like to learn more on how to handle your finances and investing then Subscribe to my blog Super OFW Investor.

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Nolan Lazaro
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34 Comments
  • Ely
    Posted at 19:37h, 11 January Reply

    Thumbs up for this!

  • Ten
    Posted at 19:38h, 11 January Reply

    icheck muna ang legality para inde mascam.

    • nolanray
      Posted at 20:15h, 11 January Reply

      Agree, and be financially literate too!

  • JONtotheworld
    Posted at 19:42h, 11 January Reply

    I can totally relate.

    I am still struggling with my finances. Not that I have meager salary, but the way I handle it. Hay. Financial literacy is really important.

    • nolanray
      Posted at 20:16h, 11 January Reply

      You are right Jon, It’s really about financial literacy. 🙂

  • MC Wright
    Posted at 19:56h, 11 January Reply

    Very true!!!! juicekelerd! Ang akala kasi sa pinas pinupulot lang ang pera sa abroad.

    • nolanray
      Posted at 20:18h, 11 January Reply

      Thanks MC! we OFWs are really the modern day heroes 🙂 marami satin martir, remit ng malaki sa pinas, then tipid sa sarili pra mabuhay buwan buwan 😉

  • Gil Camporazo
    Posted at 23:40h, 11 January Reply

    Tama ang lahat na sinasabi mo rito… hindi talagang mapipigilan ang mga iyan… kung matitiis at madisiplina ang sarili ang iba sa kanila ay mababawasan. Meron taytong kasabihan mag-ipon para sa tag-ulan kung masunod ito talagang giginhawa ang mga OFW at masasaya ang kanyang pamilya. Tama ba ako?

    • Administrator
      Posted at 13:54h, 14 January Reply

      HI Gil, salamat sa comment, tama ka sa iyong sinabi. I really hope matuto ang mga OFWs at mga kabayan natin regarding sa wastong pagkapit at pagpapalago ng perang pinaghirapan. Ang hirap mag pasko na malayo sa pamilya at mga kaibigan. 6 years ko ung tiniis, finally im out of it and free!

  • Ace Paragoyo
    Posted at 23:41h, 11 January Reply

    Because of the tax! 🙂
    You have more expenses when you have high salary.

  • Jho Tacorda
    Posted at 15:05h, 12 January Reply

    Nice!

  • Yvonne Bertoldo
    Posted at 16:43h, 12 January Reply

    This is so true. Kkasahod palang, anjan na ung nanghihingi. T_T

    • Administrator
      Posted at 13:55h, 14 January Reply

      automatic ung hingi, may advance na minsan may pahabol pa 😀

  • Gracia Amor TheBlogger
    Posted at 16:46h, 12 January Reply

    This is me every payday! Hehehe. I love the way you write! Keep it up!

    • Administrator
      Posted at 21:53h, 12 January Reply

      Thank you for the nice comment Gracia 🙂

  • Otakore Literantadodist
    Posted at 17:46h, 12 January Reply

    Kaya ako natuto na ako. Alam mo ba, may ka’officemate ako, nagkekwento kasi ako tungkol sa pagiging maingat ko sa pera at nabanggit ko na marami akong ipon. Nang malaman niya yun, nagpupumilit siyang umutang. Nakaka’trauma, as in pilit talaga siya. Muntik ko nga masapak eh kundi lang niya ginagamit isyu niya sa buhay tulad ng maagang nagkaanak, may sakit tatay, etc.

    In the end, ako pa rin nagwagi. Di ko pinautang pera ko. At natuto na ako na di ko basta-basta i-share ang mga nalalaman ko tungkol sa wastong pag-gamit ng pera. Di lahat interesado. Yung iba diyan, kunwari interesado pero hangarin lang ay utangan ka. Sasabihan ka pang barat, nakakabwisit.

    • Administrator
      Posted at 21:59h, 12 January Reply

      HI Otakore. mdami na din akog na experience na ganyan, same tayo, mahilig akong tumulong pero i dont like to help lazy people by lending them money. I try to be very tough sa utangan lalo na pag alam kong ung nangungutang sakin ay ma problem sa money handling or talagang tamad lng at umaasa na lang sa utang.
      we dont tolerte behavior na ganun, mdmi tayong pwedeng tulungan by gving them information.

      give a man a fish and you feed him for a day; teach a man to fish and you feed him for a lifetime
      🙂

  • Angelo The Explorer
    Posted at 18:45h, 12 January Reply

    Tama ka sa lahat ng mga iyong sinabi. Hindi madali ang pera kahit nasan man tayo sa mundo. Ito ay pinaghihirapan . Kelangan magtipid ang gamitin ng maayos ang pera.

    • Administrator
      Posted at 22:02h, 12 January Reply

      HI Angelo, It all falls down about managing finances. It’s not a matter of how much you earn, it’s how much you save and invest that matters.

  • Rodel Flordeliz
    Posted at 22:10h, 12 January Reply

    Spend according to your lifestyle ikA nga. hehehe Set priority and spend wisely. apir!

  • Edward Santos
    Posted at 23:10h, 12 January Reply

    This is what people should understand! It doesnt follow na pag galing abroad e mayaman na. We all work hard to provide something for us and for our families. Financial management is really important whether you’re an OFW or not.

    • Administrator
      Posted at 09:05h, 13 January Reply

      that is right Edward, OFW have a lot of hardships and sacrifices in order to reach their dreams and also feed their families. People needs to understand na hndi sila utangan, may bnbuhay silang pamilya. btw, Mahirap mag pasko sa ibang bansa na mal;ayo sa pamilya 😉

  • Daphne Benosa
    Posted at 00:04h, 13 January Reply

    Haha! You’re not the only one. We even have a term for it — petsa de peligro. Oh to be part of the working class..

    • Administrator
      Posted at 09:06h, 13 January Reply

      hahhaha, i like that term petsa de peligro 😀
      I’m happy that i’m now an Ex OFW, finally Free!

  • Jess
    Posted at 21:08h, 13 January Reply

    A simple life will free us from a lot of headache. And financial literacy is important. 🙂

    • Administrator
      Posted at 13:52h, 14 January Reply

      Agree! Currently, there are only less than 1% of the Filipino population invest. We really need to have more financial literacy advocates 🙂

  • Kim Kaylan
    Posted at 10:25h, 16 January Reply

    It is all about spending money wisely and knowing when to say no when fellow Filipinos wanted to borrow from you. It is sad because Filipinos are known with that kind of attitude. Borrow here and borrow there, it is not cool really. I’ve even told my friends that they can’t live their lives like that. Can’t always borrow most of the time and doesn’t even know how to pay.

    • Administrator
      Posted at 12:10h, 16 January Reply

      Hi Kim!
      I really agree with you. I hope our Kababayans will change for the better especially the attitude of One Day Millionaire, then Utang Kinabiukasan.
      It’s okay to borrow money, but it’s not okay not to pay utang. Satin kasi, napaka daming hndi nagbabayad ng Utang.

      eto pnaka dapat maalis

      pag utang bait. Pag singil galit. Pag hanap, tago pag salubong liko

  • Ruth
    Posted at 14:09h, 16 January Reply

    Tama talaga halos sarili natin tinipod para lang sa pamilya at sa mga taong matutulungan ang masakit pa in d midle of the month biglang rcv message neds miney indi nila naiisp isang bcs lang ang sahuran kaya minsan puno pa sa utang tau para lang maipadala sa kanila,,kala kc nila namumumlot lang tau ng pera!!!!

    • Administrator
      Posted at 14:16h, 16 January Reply

      Hi Ruth.. i really feel you on this.. sobrang magtipid ang mga OFW,,madaming OFW, kinakain delata, or kung ano ano na lang maka survive lang sa ibang bansa..sobrang tipid nyan gumastos makapag-padala lng ng pera. pero ang pinaka mahirap is middle of the month may nag rerequest sayo ng remittance or mang8ungutang.
      wala ka ng makain, may manghihiram pa.
      OFWs are really the modern day heroes

  • Gracia AmorTheBlogger
    Posted at 10:12h, 24 April Reply

    Expensive cost of living… One of the reason why I experience this “Kakasweldo lang, ubos na agad” cost of living here in Kuwait is very pricey compare to PH. 🙁 but I make sure that I buy things which I really need and put aside the things that don’t matter most. Thanks for sharing this post! :”)

  • Gracia AmorTheBlogger
    Posted at 10:13h, 24 April Reply

    Expensive cost of living… One of the reasons why I experience this “Kakasweldo lang, ubos na agad” cost of living here in Kuwait is very pricey compare to PH. 🙁 but I make sure that I buy things which I really need and put aside the things that don’t really matter. Thanks for sharing this post! :”)

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