u/VeloMinion

Late last year, I decided on a whim to get travel insurance. Di ko alam kung bakit, call it kutob.

We had a multi leg trip, family of 5. On the second to the last leg, a lot of flights were delayed or cancelled. I looked out up, this is a worldwide issue with A320 ata. We were stranded in an airport for MOs than 12 hours.

Long story short, for my flight being cancelled, I was compensated 94,000 for inconvenience by the travel insurance company. The airline compensated us with hotel stay, food vouchers worth about 10,000 pesos for airport use, and USD 120 each travel voucher.

Needless to say, we now never go out of the country without travel insurance.

May panahon talaga na napapagod at burnt out ako. Katulad these last 1 month, sobrang daming patient. Napapaisip ako, ano kayang magandang exit strategy? Di ko maisip kung papano ko kikita pa rin pero not med related na. Kapagod na rin kasi.

Dad of 3
This week I have prepared breakfast for my kids daily.
Packed their food in their bags.
Sent them all to school in time.
I’ve washed and ironed their clothes.
Given them a home cooked dinner every night.
Kissed all of them before they slept. Yes, even the 2 teens.
Today I have volunteered to be my youngest kid’s chaperone for their field trip.
All done with a smile and a warm heart.
I hope they appreciate it. 😊

Working sa bansa na malaki ang cost of living ako. Pag sinabi sa peso, parang ang sarap pakinggan na ang monthly income malaki. Pero bago umalis, mag isip.

My wife is not working. She chose to care for our kids and I love her for that. We have 3 kids and they are growing up to be sweet, kind and loving children. That being said, it’s tough to be in a single income situation these days. We don’t even have a car, but di naman necessity dito. That’s beside the point.

Let’s convert expenses into pesos

Rent for a 2 br apartment 120,000
School fees x 3 kids (monthly) 143,000
Utilities+phone x 5 22,000
Transport x 4 14,000 (i bicycle to work)
Groceries 38,000
Cost of daily living x 5 120,000 (includes occasional dining out, dates, etc)
Tax 96,000 monthly
Mandatory deduction 150,000

This is the reality. We’re barely treading water. 1/4 ng sweldo goes into tax and deductions.

So what’s the advantage? Sa akin safety ng kids and less traffic. When you think about it, yan lang.

So sa nagbabalak umalis, think about it like this. Is it worth it for you? Anyway, thanks for reading the musings of an old man lying down while waiting for his child to fall asleep.

I’m practicing a high cost of living country. Pag sinabi sa peso, parang ang sarap pakinggan na ang monthly income malaki. Pero bago umalis, mag isip.

My wife is not practicing. She chose to care for our kids and I love her for that. We have 3 kids and they are growing up to be sweet, kind and loving children. That being said, it’s tough to be in a single income situation these days. We don’t even have a car, but di naman necessity dito. That’s beside the point.

Let’s convert expenses into pesos

Rent for a 2 br apartment 120,000
School fees x 3 kids (monthly) 143,000
Utilities+phone x 5 22,000
Transport x 4 14,000 (i bicycle to work)
Groceries 38,000
Cost of daily living x 5 120,000 (includes occasional dining out, dates, etc)
Tax 96,000 monthly
Mandatory deduction 150,000

This is the reality. We’re barely treading water. 1/4 ng sweldo goes into tax and deductions.

So what’s the advantage? Sa akin safety ng kids and less traffic. When you think about it, yan lang.

So sa nagbabalak umalis, think about it like this. Is it worth it for you? Anyway, thanks for reading the musings of an old man lying down while waiting for his child to fall asleep.

Edit: sa nagtatanong kung asan ako:

https://www.reddit.com/r/pinoymed/s/g2s7LJS3cS

Ang sama ng experience ko sa pagbili ng sasakyan, parang nagiging ang kasunid niya tragedy.

2021 my father in law bought a vehicle.. Medyo lighter ang restriction ng covid nito. Masaya sha. He visited his brother sa province. He got covid and died a few weeks later.

Fast forward 2025. My aunt bought car. She was so happy when she got it. The next few days, she got sick. The only time she got to use that car was going to and from hospitals. Di man lang nagamit for the road trip she wanted to take.

2026. Sabi ng sister ko gusto daw niya magpalit. Para daw yung mom ko mas madalian sumakay, bili sha ng sasakyan that’s not a sedan. Mas madali nga naman sumakay. Sabi ko please no. Wag na lang. baka may mangyari pa.

Excited ako kasi mid year bonus this July. Kayo?

Edit: thanks everyone. Naaliw ako sa shift ko at bumilis sha because of this.
Close ko na to.
Sa nang bash at nag down vote, nang bastos God bless you.

As in the text above, I have spent more than 2M for this K pop band. Not for me, I’ve given it all to my partner.

Go.

Ako buying too fast too soon. I started when i was in high school so japanese watches kasi wala pang pera nun. But when i started earning real money, I fell
In love with breitling. Walang research, walang tanong bili agad. 2 in succession. And these were big watches. 46 mm pareho. Superocean and Avenger II. Now I want to offload 1, I can’t kasi tapos na yung big watch craze. I still love the watches though, so they still get wrist time. Pero they’re redundant in my opinion and I’ve hit my hard cap on my number of watches that I can own so…