Tuesday, October 8, 2013

Truly Rich

In 2011, I started working as an Overseas Filipino Worker. Working abroad is part of my childhood dream. I want to change our family tree and I thought being OFW will makes me rich.

Everyone has their own definition of being rich. According to most dictionaries, rich is defined as having abundantly supplied resources, means or funds.

After working for almost three years as an OFW, I don't feel rich at all.

I don't feel secured. I don't have enough savings. I was living paycheck to paycheck.

Until one afternoon while browsing my pictures on Facebook, I summarized what happens in the past years and I feel glad. I remember time full of blessings and happiness, that moment makes me feel that I'm rich. :)

I'm thankful that I started moving forward but what I left behind is the habit of saving for long term. Honestly, I save most of my income for short-term goals, material possessions and vacation expense only. I think that I'm too young to save and think about retirement.

I admit as an OFW I live like a one day millionaire everytime I went back home.

Expenses > Income = Bad
Expenses < Income = Good

The question "May ipon ka na ba?" is a regular start of conversation whenever we talked about work relating to money. Most of OFW I know don't have "enough savings" and the truth is some of them don't have "any savings" at all. So, I started asking myself, what's the problem being an OFW and how to become truly rich.

Rich are people with good money habits.
Rich are people doing what they love to do.
Rich are people that has a big heart to give.

Finally, I found out one of the answer by understanding how to become truly rich. Secure your future and protect you and your family from unexpected events. This leads me the dedication to save for the future.

I read blogs about finance and money. I watched videos of Pesos and Sense, Pisobilities. I joined some groups on Facebook that talks about investments. I meet new friends in Financial Peace Univeristy home-study. I started this blog to share and I learned many things that I'm not aware before.

"The rich rule over the poor, and the borrower is servant to the lender." Proverbs 22:7

Then, I become curious about mutual funds and UITF, stock investment, etc. I’m still learning about all of this, but the important thing is that I got started and soon enough I can change our family tree.

Maybe it’s not so important to become rich but truly rich. It’s more important to feel happy, content and secured. Live simply and don't give up achieving your goals.

Hopefully you've learned something useful.


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