Pagtitipid sa Isang OFW - How to save money as an overseas worker

Jurie Gomonan
is a OFW group representative in the Philippines

Sa ngayong, ito ang palitan sa $1 to Php 42.2449 (http://www.xe.com/currencyconverter/convert/?Amount=1&From=USD&To=PHP ). Medyo nagmura ang palitan sa 1$ compared to Philippine Peso . Dati, Php 51.00 yan, sagana eh no.


Once na nabalita na OFW ka, ang swerte mo. Yan daw ang mag-aangat sa iyo. Paglipas in ilang buwan, may nagtatanong, kung ano nang balita sa iyo. Nakapagpadala ka na ba ng pera? Nakapagpadala ka na ba para sa bahay, saksakyan, cellphone, at kung anu-ano pa? Ngayon pag nakapagpadala ka na, sasabihin sa iyo na kulang ang pinadala mo. Haha .. Yun lang ang buhay, nakapagpadala ka na nga, hihingi pa sa iyo na nagkulang yung pinadala mo.


Kung gusto mong magtipid, andito ako na magsasabi sayo na tama yan. Magpadala lang ng sapat, mag-ipon at wag na wag gastusin ang kinita mo ng basta basta. Pag-isipan nyo muna, kailangan ko ba ito, bibili kaya ako ng cellphone para naman makapag-FB gamit ang Android? Pa-sosyal ka na ah, well kung kailangan, why not?


May kakilala akong gastos dito, gastos dun, nagpabahay. Tapos nung bumalik, gumastos sa swimming, nagpa-litson, nagpapa-utang tapos nung wala na siyang pera, heto na, naniningil. At pagkatapos nyang umuwi, walang inabot na pambayad dun sa lupa na isinanla. Wala na akong pera eh, sabi nya.


Asan na ngayon yung pera na pinaghirapan nya? Pano na yung budget sa pag-aaral ng mga anak nya?


Uulitin ko, magtipid at wag gumastos ng mga bagay-bagay na hindi angkop para kumita ka. Pag di ka kumita gamit ang bagay na binili mo, kalimutan mo na lang. Ang dami nga dyan na nagpapa-uto. Akala natin na may nagmalasakit kaso, pera lang ang kailangan nya. Na-appreciate natin yung mga paghanga, pag-malasakit daw, pero sa mga oras na kailangan nyang humiram, ingat ka, pag di mo napagbigyan yung gusto nya… blag! Oras na para maniningil. Lol


Yun ang mahirap.. mga pagyayabang. Pag wala ka nang silbi, saan ka na pupunta? Mapupunta ka lang sa wala. Wala narin yung mga tao kung saan ginawa ka lang na kasangkapan. Ganun kahirap ang isang OFW.


Sa ngayon, halos walang diperensya sa isang OFW at hindi. Sa tax nga lang eh 12% hangang 17% na ibinawas sa isang Factory Worker sa Taiwan + Brokers Fee + Medical + Food + Accomodation + Insurance + the rate of a dollar compared to Philippine Peso? Halos wala nang matira buti nga lang meron silang OT pero depende rin yan sa sales ng company.


Sana, sa paglalabis na ginawa kong ito, sana ay may matutunan kayo na konting gabay sa pagtitipid ng isang OFW.


News keeps us informed of what is taking place around us. It tells us of political events, extraordinary and the ordinary important events. Even the advertisements have their value. In the world today, reading the news is essential and necessary.

Newspapers give us deeper in sight into the event. With newspapers you can choose to spend a few minutes or a few hours reading repeatedly a piece of news, unlike television.

Reading motivates the drive to know what happens next, to want to turn the page, the need to keep going. So it forces us to learn new words, to think new thoughts. In addition, it also builds empathy.

Reading the news is like gaining insider access to current information about the world we live in today. It records events that happen. It is important and interesting to read about developments and progress that are being made from day to day in the affairs of your country or in the affairs to the world. Thus, reading a newspaper makes us fit to participate in our society. It also helps develop an educated mind, informed judgment, and critical understanding.

It has been said that to read is to fly and it is to soar to a point of vantage which gives a view over wide terrains of history, human variety, ideas, shared experience and the fruits of many inquiries. Reading is a particular exercise that not only gives an insight to the world around, but gives us an inner comfort. When we read a particular news, we start identifying ourselves with situations and those around us. By reading, we are actually viewing a reflection of our society. In the fast paced modern world of today, it has become very important to be updated. Newspaper is a great way of keeping ourselves updated. Newspapers remain the most invaluable source of news and information, despite the different forms of the electronic media.

Reading news also inadvertently improves one’s language skills. News items and articles are written to express and communicate, thus precision and meticulous use of words and expressions are used. As a result, a person will absorb these language and style details while going through news items and articles, as well as sharpen communication skills in reading and writing. Consequently, comprehension skills are enhanced. The more one reads, new words and expressions reveal their meaning to the reader’s mind. Unconsciously, our vocabulary is enhanced and the language ability improves, becoming more expressive and fluent.



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About the author

Jurie Gomonan

I dealt with the Employers(Landbased), OFWs(Landbased), Repatriation problems, partly for Medical problem, Documentation problems, NSO - problems, POEA, partly for NBI problems, partly for Loans. I have worked in Yoshi Promotions, a Landbased company, as an Operations Manager in 1 year and the sister company, Network Management Resources Corporation no less than 5 years. Network Management -I deemed as an IT, a Liaison on NSO, POEA, Adjudication Cases on POEA and DOLE
Profession: Manager
Yoshi Promotions - Resigned
Office Address: Manila
Philippines , Lucena , Lucena City

 

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