LIFE LESSONS

Financial Thoughts Amidst COVID19 Pandemic

Because of this COVID19 pandemic, I have learned a lot of lessons about my finances. As a private school teacher, I am blessed enough to be compensated despite this pandemic. However, for the next few months, I am still unsure if I would have a stable job or income like this.

I have listed some of my important lessons on finance amidst this COVID 19 pandemic.

I hope this could help you reflect on your own finances as well. I am not an expert on this. I just do some things that would make me look like a responsible adult.

Buy what is essential.

Before this pandemic, I cannot live without milk tea, frappe, overpriced coffee, and some snacks. I always passed by the nearest convenience store near our school. But now, I realised that I really do not need these refreshments. I could be satisfied with the usual coffee that we have at home. Also, snacks and refreshments could just be as simple as a slice of bread, pancit canton, or a piece of banana.

Having an Emergency Fund is a big help.

I do not mean that I have plenty of money, but I could say that I am blessed enough with some privileges that made me save money. Having an emergency fund is really helpful in times like this. I could simply turn to it just in case worst scenarios happen.

Stocks, VUL, and Insurance matter.

Yes, they matter. However, I am not sure whether you are capable of getting one in times like this. We do not know until when this crisis would be. But, if you have spare money to avail these, then you may do so. This is a perfect time to invest on these specially the prices are low. You have to reassess your finances whether you can have these or not.

Invest on a good home.

I do not say house. But, I hope you can find a good home where you feel loved and accepted. Material things or furniture does not matter; what matters is you are comfortable at home. With this, it is really important to invest feelings on the right person. Hahaha.

Look for Sidelines

If you’ve been reading my blog, you’d know that I have tried several online jobs. I worked as a teacher in 51talk for a month, and as a freelance writer on Upwork for five years. Having another source of income is a great help. You can also try setting up an online store. These days, I see a lot of products on Facebook. I believe social media would help you reach your target audience.

Final Thoughts

I live in a country that is full of uncertainties. I worry because my job depends on how the government would handle this crisis. As of this writing, I can only hope for the best. Right now, the most practical thing that I could do is to spend less, work more, and try not to eat a lot. I have to settle with the resources that I have at home. Lastly, I should always pray and be grateful to God for showering me and my family with His grace.

How are you, friends/readers? I hope you are all doing well.

LIFE LESSONS

Kumusta ka na Trap

Kumusta ka na? Chronicles

When you’re hurt, chances are, your friends will instantly pop unto your screen and ask you, “Kamusta ka na?”

You might feel privileged, knowing that, at least, some people will cheer you when you are totally messed up.

However, before you answer that question, ask yourself first if the person who asks that is a REAL friend. Why? Because not all people who ask you that question really cares. (Aww. It’s a disappointing reality that we must deal with.)

Not all people care. Some ask for the sake of asking that question. Some ask because they have nothing to do. Some ask because they want to see you suffer. This could be the most pessimist post I have written so forgive me. (Life for me, lately, isn’t sweet. Haha.)

I just want to remind everyone that not all people really care, and THAT’S OKAY. You do not need the complete validation coming from mere acquaintances.

Sometimes, answering “Okay lang,” to that question is enough. This phrase contains magic that will eventually dissolve follow-up questions.

 

Stick to your Real Friends. 🙂

Here’s what you can do: STICK TO THE REAL ONES. Real friends are not those who sacrifice everything for you. No one can do that (only Christ, or your family).

Real friends are those people who will make you feel everything’s gonna be fine. They can sing chants that magically calm you. They can make you feel hopeful and cheerful no matter what the situation is.

Real friends may be far from you, but distance does not matter for them. Time > Distance is their mantra. They will find or make time for you.

Real friends do not tolerate your wrongdoings. They are frank with their opinion. They remind what’s best for you. They certainly tell you what they think is more beneficial and morally right.

Lastly, REAL FRIENDS pray for you and lead you closer to God. These people bless you with the assurance coming from God. They may not be perfect but they do accept the fact that God has already saved and healed them. They will never ever judge you instead they do understand your situation and your feelings.

 

Finale

This post is just a mere realization about my life lately. I don’t know why I only have to realize it just now. Maybe, I was so amiable and gregarious to open myself up to the people whom I think I can trust. Huhuhu. Loyal and faithful people are so rare these days. If you have found yours, keep it. It’s totally a rare find.