Page 12 - now aug2019

12 eec-elite.com EEC Elite Express eecelite eec eec-elite.com EEC Elite Express eecelite eec

NEWS AUGUST 2019

Ipon tips for Start with the big picture. These big expenses that you use to pay for using your
financial goals will set the course for your credit card.
smaller ones.
3. Research on the cost of living in your
MONTHLY SAVINGS
OFWs: daily, host country 7. Separate your accounts

Make sure that your spending, savings,
Before you even leave, you need a
rough estimate of what the cost of living is and bills money don’t overlap by creating
monthly, and in your host country. This way, you’ll know separate accounts for each. Once you get
how big of a “war chest” to bring with you the hang of it, you’ll have a more seamless
for all the initial bills, transportation, food, system to automatically transferring money
long-Term and rent. to your savings account and bills account,
and still have a modest amount for all your

DAILY SAVINGS
4. Set a proper daily budget spending.
Once you’re in your host country, take LONG TERM SAVINGS akiramdam mo ba natatalo ka sa buhay?
the first couple of weeks to really drum 8. Remember your gov't mandates Napapagod ka na ba sa pakikihamok sa
down what a modest but comfortable daily While separate savings accounts are Pbuhay? Pakiramdam mo ba nakabitin ka
spending will be for you. Remember that good, you should remember local government na lang sa pisi at malapit nang mapatid bago ka
you shouldn’t completely deprive yourself of mandates like Pag-IBIG and SSS. These tuluyan mahulog sa bangin ng buhay? Nawawalan
basic comforts, but a daily US$8 coffee may savings, albeit forced, add a tidy sum to your ka na ba ng lakas o pag-asa? Ang mga panaginip
not be such a smart spend either retirement funds. Some of their products even mo ba at ambisyon ay tila parang barko na
etween the high cost of living overseas disposable income, budgeting and saving will 5. Save your coins have better interest rates than banks. papalubog na sa dagat ng buhay?
and providing for loved ones at home, still be integral parts of the financial dynamic. They say every penny counts. Whether it’s 9. Stay on track Naalala ko nuon, ang paniwala ko, ang
Bsometimes OFWs forget things like The talk may become uncomfortable, but for bus fare during petsa de peligro or a Remember that the goal is to either lahat sa buhay ko ay nakasalig sa aking sariling
kakayanan. Ang pamilya ko, ang propesyon ko
savings. Here are a few tips to help you save remember that the family’s support and mini rainy-day fund, little bits of savings can go back home permanently or to migrate
money as an OFW: understanding, or lack of, can make or break grow substantially through time. the entire family into your host country. at ang aking buong reputasyon sa komunidad ay
your journey overseas towards a better life. 6. Cash over credit as much as possible Either way, this will take considerably more nakadepende sa aking kakayanan. Malaki ang
BEFORE YOU START TO SAVE: 2. Set financial goals While it’s true that some purchases in this than most salaries (even OFW salaries) can kompiyansa ko sa sarili. Subalit mula nang nag-
1. Talk to your family Do you plan to pay off the home loan day and age require the use of the credit provide immediately. kaanak kami ng tatlo sa magkakasunod na taon,
bumigat ang karga sa buhay. Pakiramdam ko ba
The first thing you need to do is to talk with the money you make abroad? How card, one of the fastest ways to lose track of That’s why it’s wise to diversify and
ay naging kuwestiyonable ang aking kakayanan.
to your family and manage their expectations. many years do you intend to work towards your spending is by its frequent use. Avoid put your income into different “buckets,”
Nahirapan na kami maka-aahon sa aming
Have a serious discussion about how much achieving that? How much do you plan to purchases on credit as much as possible. whether it’s stocks, real estate, mutual
kinalalagyan. Sa kabila ng pareho kami kumakayod,
money you truly will be making. While there’s save before moving back home permanently? You’ll notice that when you keep using your funds, a small business, or any combination naruruon at utang kami kabi-kabila at nahingi pa
nothing wrong with enjoying the increase in What will you do then? cash, you can easily track your unnecessary of the above. —Coins.ph ng tulong sa aking biyenan upang mabigyan ng
5 Money Management Tips for OFWs katugunan ang mga pangangailangan ng aking
pamilya. Kapag tanggap ng sahod kada buwan,
bayad utang din lamang. Namayat kaming
dalawa. Nangungupahan lamang kami sa silong
udgeting and financial planning stop thinking in the context of Philippine better life and more opportunities for contributions while you’re working nang bahay sa Sto. Tomas, Batangas. Ako ay
are important, especially for OFWs. Peso amounts. While an offered salary may their families. While this tip may seem overseas. This comes in handy when you’re bumabiyahe araw-araw papunta sa Maynila kung
BWhile a lot of Filipinos do choose seem impressive when you convert it into contradictory, remember that you must take in your golden years or when you decide to saan ang aking trabaho. Hating gabi na ako nauwi
to migrate to their host countries, many of our local currency, chances are it may not care of yourself before you can take care of come back to the Philippines. gawa ng matapos sa trabaho tuloy ako sa aking
our OFW brothers and sisters do plan to even be enough to sustain a modest lifestyle anyone else. With your Coins.ph wallet, you can pay for graduate studies. Halos apat o lima lamang oras
ang tulog ko. Gigising sa madaling araw upang
make enough money abroad and come back abroad. Make sure that you have enough money your Pag-IBIG contributions from anywhere
bumiyahe muli. Subalit pakiramdam ko ay nasa
home when they save up for a big enough One of the main reasons why overseas for rent, groceries, utilities, transportation, in the world. You can even pay for your
laot pa ako at lumalangoy tungo sa pampang
“war chest”. Afterward, they usually start a jobs pay more is because their cost of living and other needs before sending money to spouse’s contributions straight from your
ngunit kapos na sa hininga at malapit nang mag
business of their own. is also higher. Do your research before your family. The last thing you want is to phone too.
cramps ang mga binti at braso ko. Dahil malayo
If you’re starting to work abroad or are saying yes to a job (and salary), and see if it get evicted by your landlord, or get sick and pa ang dalampasigan, tantiya ko malulunod na
just looking into it, here are tips to help you can sustain your lifestyle and allow you to have to pay for hospitalization because you Stay on top of household bills
ako. Pina-iikutan pa ako ng mga loan sharks. Bigo
manage your budget better: send a substantial amount back home. forgot to consider your own basic needs You can also pay for household bills in the
at lugami na ako talaga sa sarili ko. Sa gitna nito,
wanting to give all you have back home. Philippines straight from your phone. This dumating pa ang hindi ko inaasahan. Tinamaan
Don’t be blinded by peso amounts Take care of yourself first way, you can still take care of your loved ako ng sakit gawa na rin ng sobrang pagod sa
Before you even accept an overseas job The most common reason why Filipinos Remit monthly government contributions ones even when you’re thousands of miles pagsusumikap. Parang tulala at nawawala ako sa
offer, the first thing you need to do is to choose to become OFWs is to provide a Make sure to be on top of your government away. —Coins.ph sarili. Tila nakulam ako ng aking sariling ambisyon
at maling tantiya sa aking kakayanan. Para akong
Yeng Constantino, binatikos ng netizens dahil sa kaniyang ‘Doctor-Shaming’ vlog naupos na kandila. “Tapos na ang pag-asa at mga
panaginip ko” sabi ko sa sarili. Kamatayan na
lamang ang way out ko, kung hindi magkakaroon
mani ng batikos sa mga netizen ang vlog did all they could to attend to her but na ivovlog ninyo kami pero isinama niyo ng milagro upang umahon sa ganitong kalagayan.
post na inilabas ni Yeng Constantino sa she still chose to shame the doctor and kami sa video na pinost niyo. Diko po inakala Ngunit paano at saan ko kukunin ang lakas sa
UYoutube tungkol sa ‘Doctor Shaming’. the hospital’ alos ganito rin ang sinabi ni na nakuha niyo pa palang magvlog habang gitna ng bagsak na kalusugan ko? Milagro na
Sa kaniyang vlog, ibinahagi ni Yeng cesarieann sa kanyang tweet na isa sa med nandoon tayo sa loob ng xray room kahit lamang talaga ang mag-liligtas sa akin.
ang naging karanasan ng asawa na si Yan student na nag assist sa asawa ni Yeng na sabi niyo ay grabe ang pagaalala ninyo. Sa gitna ng kabiguan na iyon, dumating
Asuncion sa isang lokal na ospital sa Siargao. nang dalhin ito sa nasabing hospital. #NotoDoctorShaming’ ang hindi ko inaasahang milagro. Isang dayong
Aniya, na-aksidente si Yan matapos mag-dive ‘I saw first hand how the doctor and Nag-trending naman sa Twitter ang mangangaral sa aming barangay ang nagpakilala
sa isang cliff diving spot sa Sugba Lagoon. staff in Dapa District Hospital did their #NoToDoctorShaming dahil sa vlog post sa akin tungkol sa isang Tagapagligtas. Alam kong
Mapapanood sa video ang mga staff best to give appropriate care to your ni Yeng. Depensa ng netizens, mahirap may Diyos ngunit hindi ko Siya kilala at hindi ko
member kasama ang pangalan ng doktor na husband despite lack of manpower and maging health care professional at marami alam kung kaya niya akong pagalingan, iligtas, o
in-charge sa kondisyon ng asawa. lack of facilities.’ ‘I understand that you ngang pagkukulang sa mga facility na dapat bigyan ng lakas at pag-asa sa aking kalagayan.
Ayon kay Nica Jaucian, nakita niya ang are frustrated bec you are not used to a pagtuunan ng pansin sa mga komunidad ng Sa pananaw ko nuon nang hindi ko pa nga
pangyayari sa ospital kung saan na-admit si A witness to the incident calls attention of Yeng setting with limited health services.’ probinsya. nauunawaan ang lahat, ang tanong ko ay paano
Yeng at Yan. Constanino for allegedly shaming the doctor ‘Pero please, inasikaso po kayo sa best na Samantala, mayroong Doctor-Shaming ako ililigtas ni Kristo, siya man ay nakapako din sa
Ipinaliwanag niyang ginawa lahat ng who provided medical assistance to the singer's makakaya ng staff doon. Ginawa po ang Law sa bansa kung saan nasa Artikulo 355 krus?
doktor ang makakaya upang maasikaso lahat husband, Yan Asuncion, in Siargao hospital. tests na hinihingi ninyo kahit sa tingin ng o Revised Penal Code of the Philippines (Act Subalit sa pagkakataon na iyon, ipina-
ng pasyente sa ospital. Hindi raw totoo na ‘5th class municipality lang po siya. mga doktor ay hindi kailangan. Nagsikap No. 3815) na pinagbabawal ang libel ng unawa sa akin na ang aking kalakasan ay galing
pinapabayaan lamang ang asawa ni Yeng. Grabe makademand.. and dra was busy po na gumawa ng paraan kahit kulang sila sa kahit ano pa mang pagsusulat, potograpiya sa Diyos na nagbigay nito. Natanto ko na hindi
‘They did their best w the resources cause she had other patients na critical! She tao at pasilidad.’ ‘May mga kakulangan man, o paglilimbag na may kinalaman sa cyber mabuti itatag ang aking pagkatao (Identity) sa
they had! We WITNESSED the doctor was the only one.. grabe doctor to patient hindi po solusyon na pahiyain niyo ang doktor, bullying. Sa pamamagitan ng social media, aking sariling kakayanan, sa aking propesyon,
conducting necessary tests and her husband ratio. Buti nga dra got us (General Luna staff at ospital doon sa social media. Hindi po humingi ng paumanhin si Yeng Constantino sa o sa mga naabot ko sa buhay lamang. Bakit?
was cleared and NORMAL. They even did staff) to handle yengs concerns just to keep nakakatulong sa morale sa doktor at staff ng doktor at medical staff na kanyang binatikos Sapagkat may hangganan kasi ang aking sarili,
extra tests (kahit na certain na healthy her at ease’ hospital na nagsisilbi doon bagamat mababa matapos maaksidente ang asawa sa Siargao, ang aking kakayanan, ang aking kalusugan,
siya) cause Yeng pushed for it.. they did that ‘They really did their best with all they ang sweldo at understaffed ang pagpapahiya Surigao del Norte. ang aking kayamanan at ang aking propesyon.
despite having ALOT MORE PATIENTS IN had. Gets na kulang manpower at resources ninyo sa kanila sa socmed.’ BINATIKOS Lahat ito ay may limitasyon at maaaring mawala
NEED’ but yun yung conditions in the area :( they ‘Isa pa po, hindi kayo nagpaalam sa amin Continued on Page 21 sa isang iglap gaya ng nangyari sa akin. Diyos