From the euphoria of payday to the sobering realities of budgeting, Pinoy migrants in New Zealand share a unique bond when it comes to navigating the ups and downs of their sahod (wage). Let’s take a whimsical journey through these funny yet true realizations as we pair popular song titles with our sahod experiences in the Land of the Long White Cloud.
- “Kung Maibabalik Ko Lang” by Regine Velasquez: As we glance at our dwindling bank account post-payday, we can’t help but sing along to this nostalgic tune, wishing we could turn back time and make wiser financial decisions.
Tip: Reflecting on past spending decisions, consider setting aside a portion of your sahod for savings before allocating funds for expenses. If only we could turn back time, we might prioritize saving from the start! - “Bluer than Blue” by Michael Jay Johnson: When unexpected expenses crop up, leaving us feeling a little down in the dumps, this song perfectly captures the mood as we navigate through the financial blues.
Tip: Combat the post-payday blues by automating your savings. Set up automatic transfers to your savings account immediately after receiving your sahod to ensure that saving becomes a non-negotiable part of your budget. - “Thank You Lord” by Don Moen: Despite the challenges, we’re grateful for every paycheck that comes our way. This song serves as a reminder to count our blessings and express gratitude for the provision we receive.
Tip :Express gratitude for your sahod by allocating a percentage to your emergency fund. Having a financial safety net can provide peace of mind and protect you from unexpected expenses that may arise. - “Isang Linggong Pag-Ibig” by Aegis: With bills to pay and expenses to cover, our sahod sometimes feels like it only lasts for a week. This song title humorously encapsulates the fleeting nature of our payday joy.
Tip: Practice the “envelope method” by allocating specific amounts for different expense categories, including savings, groceries, transportation, and entertainment. Treat your ipon as a form of love for your future self! - “Never Enough” by Loren Allred: In a world where expenses seem to multiply faster than we can earn, this song title humorously reflects our perpetual quest for financial stability and security.
Tip: Challenge yourself to save a little more each payday by cutting back on non-essential expenses. Small adjustments, like packing homemade lunches or opting for free leisure activities, can add up over time. - “Sana’y Maulit Muli” by Gary V.: After carefully budgeting our sahod, we can’t help but wish for a repeat performance of payday bliss. This song title captures our hopeful anticipation for the next payday cycle.
Tip: Visualize your financial goals and create a savings plan to achieve them. Whether it’s saving for a dream vacation, a down payment on a home, or your retirement fund, consistency is key to making your aspirations a reality. - “One Day” by Matisyahu: Amidst the financial challenges, we hold onto the hope that one day our hard work and perseverance will lead to greater financial stability and success.
Tip: Set long-term savings goals and break them down into achievable milestones. Celebrate each milestone as you progress on your financial journey, knowing that every step brings you closer to your ultimate destination. - “Goodbye” by Air Supply: As we bid farewell to our hard-earned sahod with each payment of bills and expenses, this song title playfully reflects the bittersweet reality of managing our finances.
Tip: Bid farewell to impulse purchases and prioritize mindful spending. Before making a purchase, ask yourself if it aligns with your financial goals and whether it brings value to your life beyond the momentary gratification. - “Dust in the Wind” by Kansas: In the grand scheme of things, our sahod may sometimes feel insignificant amidst life’s uncertainties. This song title humorously captures the transient nature of our financial journey.
Tip: Protect your ipon from inflation by exploring investment opportunities that offer higher returns than traditional savings accounts. Consider consulting with a financial advisor to explore investment options suitable for your risk tolerance and financial goals.
Here are our Recommended Financial Advisors:
-Bobby Chua
https://www.facebook.com/bobby.a.chua
-Laarnie Tagalog of Peak Financial Services
https://www.facebook.com/laarnie.genosastagalog
-Coversure by JasonÂ
https://www.facebook.com/coversure.co.nz
-Richard Dean Anderson Alonzo of Peak Financial Services Ltd
https://www.facebook.com/richard.d.alonzo
-Teena Dela Cruz of Thrive Financial
https://www.facebook.com/profile.php?id=100002274748110 - “Kisapmata” by Rivermaya: In a blink of an eye, payday comes and goes, leaving us wondering where all our money went. This song title amusingly mirrors the fleeting nature of our sahod experience.
Tip: Keep your savings goals in sight by regularly reviewing your budget and tracking your expenses. Adjust your spending habits as needed to stay on track and ensure that your ipon continues to grow steadily over time.
From nostalgic yearnings to hopeful aspirations, these song titles whimsically reflect the multifaceted nature of our sahod realities as Pinoy migrants in New Zealand. So, the next time payday rolls around, let’s cue up this playful playlist, share a laugh with our kababayans, and find solace in the camaraderie of our shared experiences.
