Debt is one thing I hate. It stresses me out. I feel like I am chained in
the neck every time I think of it. A friend told me that debt is something
that seeps into most people’s lives without them knowing it. I am living
with quite a huge debt now, and I want to get out of the pit and never ever
return. My family’s financial status right now is a bit shaky and this has
forced me into thinking a lot lately. I want to live simply and spend less.
It’s time. My spending on clothes has to stop. My list of toiletries and beauty products (ie,
pampaganda, pampakinis, pampabata hehe) needs to be shortened. I don’t need
to purchase magazines for there is limited internet access at work where I
can steal (hush hush) an hour or so to visit my favorite sites. My spending
on takeout/delivery food has to limit significantly. Dining out with friends should happen once a month.
Now that I am a parent, my friends just have to visit me at home. I’m
sure they would understand. I could prepare food for them (or they can bring
something for me and for Vien hehe). I would just have to explain to my
friends (without going into detail) that our budget is smaller and our
lifestyle changing. It is better to focus on quality time together and not
on spending money lavishly. That’s one thing I learned with having Vien. My
priorities are changing. My attitude is shifting. These changes are actually
overwhelming. It takes a humble self and an open mind to accept these
things. I’ve been pondering, learning about, and slowly advancing toward an
intimate but simple life.
I need to actually plan what I’m going to do on a daily basis. I have to
learn and study the appropriate budgeting scheme for my family. No more
self-centered living. Time to grow up in a new and better way.
Oh wow! You’ve matured! You’re growing up.
Posted by Rico at October 22, 2008, 10:16 amKami din. We hate debt. Maybe this can help you get out of debt. Browse the site and download all the teachings. It really helped us a LOT!
Posted by Rico at October 22, 2008, 3:35 pmtnx kg, going to zero-debt status is really my goal. next year is a new year for me, a new start…
rico, i need to be mature. all parents ought to be mature i guess. im “waldas na dalaga” no more hu hu hu
Posted by kakanggata at October 23, 2008, 3:09 pmDave Ramsey’s Financial Peace University helped us a lot. We went from a 6-figure debt to zero in 6 months. To think I was a doubting Thomas when I first listened to him. I’m a convert!
I remember Golda and I going to SM, our “sambahan” every sweldo when we were single. Sure enough, motherhood changed everything.
those were the glorious days! nkakamiss din minsan hehe. will check this out Dave Ramsey’s Financial Peace University. baka ma convert din ako 
Hi Ka! Yes, when there are more mouths to feed you really have to lessen the spending. I went through some adjustment myself. I was also gastadora when I was single. Now I think twice on every purchase I make and ask myself, “Is this really worth it?” Ganyan talaga pag-mommy na, I suppose : )
Pahabol: Just make sure you don’t deprive yourself naman. There are so many ways to pamper or reward yourself without splurging : )
And hindi lahat ng utang masama. Pwede syang good debt as long as it’s for building assets/investments
mam trish tnx for your comment. makes me feel better to know that this kind of adjustments is quite “normal” pag mami na. i sure think twice even thrice before spending my money on personal stuff hehe. kung mas may mumura pa, dun na lang ako
di ba i was planning to invest my money on insurance? i have to postpone that. hopefully next year matuloy na.
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