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Avoiding the “pahingi” system: How to finally stop dependence

A lot of people assume that because someone is working abroad, he/she must have their wallets loaded with money. Unfortunately, the ones who try to siphon off cash from these hardworking OFWs are their own loved ones and relatives—not realizing the blood and sweat OFWs shed and go through just to be able to provide a better life for the ones they left back home.

So what are the things we need to do to finally cut this cycle of dependence within Filipino families?

Remember the reason you are working abroad
You sacrificed your life in the Philippines for a reason—whether it’s to save for a home, help your family, or prepare for your retirement. Never let these go just because a few loved ones or relatives ask for “balato.”

Learn the art of the respectful NO
It’s tempting to yell at them and tell them not so great words whenever they message you only for the purpose of asking money. But whatever happens, they are still your blood, so learn how to decline in a polite manner. You can always tell them you’re saving for something important.

Be firm and don’t fall into the pressure
Filipinos are known for being persistent in all aspects, including asking for money. Learn to be tough when you tell them you’re not in a position to lend them money. When you learn how to be firm and how to say no, they will eventually get tired and stop asking.

Learn to save for the rainy weather
There could be instances in which you may not be in a place to provide money back home for a while—such as job loss, illness, and emergencies. Make sure to always allot a separate savings in case something happens that affect your work.

Start an investment plan
Save some of your salary for investment—whether it’s for a future business, a real estate, or for a life insurance. This provides a safety net not just for you, but also for your family. You’ll no longer have to worry about providing for them in case you decide to come home. The early you begin, the better it will be. It’s the best way to put your savings to good use.

Staff Report

The Filipino Times is the chronicler of stories for, of and by Filipinos all over the world, reaching more than 236 countries in readership. Any interesting story to share? Email us at [email protected]

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