image, not mine

This is among the questions that many would find it too hard to answer. Why? Because whether we accept it or not, debt has been a part of our lifestyle. All of us want to live a good life, the kind of life that is so carefree, happy-go-lucky, and adventure-filled kind of life! 

Who doesn’t love to travel? Who doesn’t love to wear the latest in fashion? Who doesn’t want to experience a staycation in a five-star hotel? I bet, all of us want it. But reality has it that right now, nothing comes for free. All the good things in life come with a price. 

There are many factors that lead an individual to get credit from lending institutions like banks, cooperatives, and even our colleagues. One fact is that what we earn is never enough for all our needs. Even some CEO in big companies can attest to that. The higher is our status in society, so do our lifestyle needs. For a breadwinner who needs to send a family member to school, he might be facing the same dilemma. Indeed, having debt is not only a problem for small-time individuals, it could be a problem too for those who are making and earning a large sum of money but could never get enough with their higher standard of living. 

Debt is not really that bad at all. It is our last option when we are running out of financial resources. It could help us in times of our immediate financial needs. However, debt could only become a great problem if, and only if, we do not know how to pay it back properly. As we all know, the money we owed is associated with monthly interest, that is where the loan sharks earn their profit. One concrete example of this kind of situation is the credit cards issued by private banks. Based on research, most credit card holder only pays the minimum monthly payment, which is actually just a portion of the interest that accumulates monthly plus the annual fee is another burden to them. It is in the manner of paying that some people could not comprehend just yet until they realized that they could not afford to pay the capital anymore. For a situation like this, one must undergo first a financial literacy seminar before they will indulge themselves in debt. One has to understand all the consequences of not paying their debt on time. 

For those who were on the brink of losing their sanity because they could not afford to pay their debts anymore, they must consult a financial coach that could assist them in what to do. Others may resort to debt consolidation programs that could help them settle their debt problems. You may click here to know more about debt consolidation. Unsettled debt could really affect us mentally, socially, emotionally, and spiritually if we do not know how to manage it well. As a matter of fact, others may apply for a loan buy-out with an established bank, but again, it’s another form of debt. 

Debt may be inevitable for all of us but we need to control ourselves. We must learn how to meet both ends, to live within what we can only afford. One book that I have read stated that, if only people know how to live a frugal life, debt may not be a big issue. If you apply for a debt to make it as capital for a business in mind, then that would be okay since it will be returned to you in due time- and it is even considered a good investment. However, if you indulge in living the kind of life beyond what you can only afford, that is how the problem begins. For financial issues and concerns, you may also consult a  wealth advisor to help you manage your finances well and live a debt-free life.

Now let's go back to the question: Is it possible to live a debt-free life? for me, it's a yes as long as you are determined and have a disciplined mindset.

It's been awhile since my last post. My hands are always pre-occupied with works, school, and motherhood. Nevertheless, I am just so glad that I find time, finally, to share what's the latest thoughts that's going on in my mind...

LATELY, I am too obsessed with Tiktok, not about myself though, but all about those contents that has something to do with the Marcoses. I did grow up believing that Martial Law was the worst experience that Fiiipinos had endured during the post-colonization era... Who couldn't believe when it was written in our History books and even taught at schools back then. But sad to note, not all that was written were true. Not all that was taught were true. Some part of the history were revised, rewritten based on what they want people to learn regardless if it was true or not. Some books were written not to give emphasis to the realities but to demean other people, and on this case, its the Marcoses who were the casualties. The history that they want to reiterate is that how bad the Marcoses are, how they caused so much human rights violation, how they rob the Philippines with their ill-gotten wealth and a whole lot more.

BUT contrary to what is written, in contradict to what we used to believe, ordinary people proved them wrong. Based on testimonies, videos captured with the Marcoses- now I believe that what was written was nothing but LIES, a web of lies!

No government is ever perfect, and obviously, there is no perfect leader. But al least, in the person of the late President Ferdinand E. Marcos, he was able to accomplished a lot of things for the Filipino. And I really felt sad becasue until now there are still so many people who continue to demean him and even disrespecting his family as well as his memory.

So now, shall we continue to believe in lies? NEVER AGAIN!

So help them, God.

https://www.facebook.com/watch/?v=439965990872451

We can enjoy the blessings coming from God if we ask for it, pray for it, and, of course,  work for it. My 2022 started with a blast, with good news, good fam bonding and happy feeling. Though I'm quite unwell physically but I just so love how my year have started! All I could pray for now is more life of abundance, financial breakthrough, successful ventures and healthy lifestyle!

So help me, God because apart from You I am absolutely nothing.

I was having a chat with a fellow mother one day. She shared to me her struggles about her teenage daughter.  According to her, she could no longer control her daughter's rebellious attitude. She doesn't listen to her when warned about making friends with boys.  She was even thankful about this pandemic because her daughter was forced to stay at home. But then her daughter stayed late at night chatting with her friends.  Her fear was that her daughter might have a boyfriend already.  She just don't know what to do anymore. 

I could not really relate to her considering that my kids,  specifically,  my daughters are still on their primary years.  Then I just looked back to who I am as a teenager.  My Mom is really very strict. There were lot of things that we're not allowed to do: getting home late,  having boyfriend,  going anywhere with friends,  and a whole lot more.  I really could not understand my Mom back then.  I just thought that maybe she just doesn't want us to marry at an early age.  Well,  I  actually get that and I'm really scared too that's why I really don't have boyfriends in my teenage years. But making friends was a whole different story.  My classmates really find it difficult to bring me along with their getaways.  But I  learned not to stressed out my Mom considering the hardship that she has to go through just to send us to school.  However,  back then I wasn't able to enjoy my teenage years.  I'm not saying that I was being deprived by what life had to offer back then,  I just felt that I was missing something but I just couldn't identify what was that missing piece. 

Right now,  being married for a decade already, slowly it sinks to me how a mother really feels.  I have so many apprehensions for my kids.  But with what my fiend shared to me about her daughter,  I wasn't quite sure anymore if I'll follow the footsteps of my Mom in dealing with my own. I don't want them to feel being deprived but on the other hand, I don't want them to live their life based on how they think or feel.  And to be honest,  I'm quite scared about the future. I'm scared if I could tame them when they will be in the outside world,  when they will gain independence from me.  That's why it is my constant prayers that God will lead them to a group of friends who could be a good influence to them. Our world right now is totally different from what I grew up with.  With all those social media influences,  where almost everything is permissible,  i couldn't help but fear for my kid's future. 

As a Mom I know I'm not perfect. I still have lots of things to learn.  I'm just scared that someday,  I will  have the same sentiment with that Mom. 

Lord please guide me and enlighten my mind always in finding ways to tame my kids and ushered them to become the kind of people that they ought to be.  Amen

To my beloved nephew, aim higher but keep grounded. Being the eldest among your cousins, they will surely look up to you with pride. We love you so much!

Happy 21st!

This is one of the reasons why I so love August, so many birthday celebrations. However, unlike the old times, what we could only do now is a virtual celebrations. 

To my beloved Mom who immersed herself in the land of milk and honey, Happiest Birthday!

I truly blessed the day that God created you, we love you so much and hope to see you soon!