Before I began my journey as an OFW, like many I was once no idea about proper money handling. I don't know how to save nor invest. All I knew was to spend. Before the paycheck come I have a list on what to spend with my salary. I know every month I will receive my salary, so I don't bother to save nor make my monthly budget.
When I started working here in the Middle East, I had my rough start. I thought all is well but reality reveals it, ironically.
I paid for my Placement fee to my Agency before I leave the country knowing that everything is settled. But then when I arrived in my work place we were told to pay for processing of our visa and IKAMA (residence permit) which will be deducted to my salary. And it's not just a small amount. I and my co-worker were not informed about it and that was not written in my contract. I just cried because I'm thinking that how can I send money if I'll be receiving a salary just enough for myself?
I'm having hard time dealing it during my first 6 six months. I prayed and asked God for guidance to help me get through this kind of dilemma. After my work I watched you tube videos about finances and then I saw one of Bo Sanchez Power Talk about money. I was enlightened about what I'm having through. Despite of my negative situation I learn to embrace my life and live positively.
I subscribed to Bo Sanchez Truly Rich Club, I learned many things about growing my Spiritual Life. I make-up with my expenses. And before 2013 ends I settled deduction that burdens me.
I'm about to finish my first contract this June but I chose to renew. What change in my life now is, I learn how to live simply. I grow my savings and learn how to invest it. I was able to help send my sibling to school. And it was so fulfilling that I overcome such trials in my life.
Spiritual Guidance and Financial Education are the key to help me get through those negative situations and I'm so happy that it turns into a wonderful blessing. I change a lot and become a responsible woman.
Sometimes, we have to pay the price of learning something new in our lives. It may cost a little but it's returns are far greater than what we paid.
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