Bantay OCW (Ang Boses ng OFW)

How to deal with ‘unli-give me’ from relatives


Many Filipinos go abroad to earn money. But after returning home, they soon find themselves broke. This prompts them to look for another job overseas—year after year after year.

Financial counselor Joyce Delovieres, Bantay OCW “Pera Eskwela” segment host, shared timely savings tips for our overseas Filipino workers (OFW):

(1)  Talk to your partner and determine spending and saving styles. Is your partner good in handling finances or are you more comfortable with an allowance type set-up? Should you send all your money home and leave all the savings to your local partner?

(2) Work on a financial goal for you and your family:  Map your financial plan. Start with the usual three “musts”—basic needs, protection needs and retirement needs.

Basic needs usually include payments for the house, car, education and debt repayment. Protection needs include life and property insurance. Retirement needs entail consideration of how long a worker wants to work abroad and how much income one would need to retire.

(3) Pay yourself first.  No matter how secure your company and job post, it is always prudent to have extra money.  Make it a habit to set aside at least 10 percent of your income as personal savings.

(4) Utilize online tools. Look up websites that offer financial wellness tips and forums.

(5) Educate yourself. Financial seminars abound these days. Pick one in your area.

(6) Use sale events wisely. Mall sales are not licenses to go on a shopping spree. Determine which items you really need.  Find out the expiry dates of things that you can stock.

(7)  Write down your budget.  It’s like having a financial flashlight. It tells you where your money is going. Make a list of expenses and stick to it. Do not do reverse accounting.

(8) Say no to ‘unli-give me.’  Be slow in saying ‘yes’ to unlimited requests from relatives seeking financial help. Determine not only the need but also the capability of the person asking for help. Urgent matters of course have to be dealt with. Luxury spending by relatives should not be supported by the OFW.

(9) Avoid investment deals you are not familiar with. OFWs are is a huge market not only for basic consumer needs but also for investment scams. So many sectors now want to tap OFW remittances for investments and social projects. Social networking sites make it look easy and enticing.  Basic rule:  If you don’t understand, don’t dare.

(10) Spend time wisely. Time is money.  To augment your salary, try part-time jobs or sidelines.  This will keep you busy, allow you to earn more, and bring you closer to your financial goals.


Susan Andes, aka Susan K. is on board at Radyo Inquirer 990 dzIQ AM, Monday to Friday 11:00 a.m.-12:00 noon & 12:30-2:00 p.m. with audio/video live streaming:  Helpline: 0927-6499870.  E-mail: or

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Disclaimer: The comments uploaded on this site do not necessarily represent or reflect the views of management and owner of We reserve the right to exclude comments that we deem to be inconsistent with our editorial standards.

  • Carum Al Dumal

    This article is TOTALLY relevant. OFWs are breeding a culture of mendicancy. The money they send home should be used to purchase durable properties, or be invested in self-help income generating activities. Another thing the OFW can send home are ideas that may be used as businesses. I have seen Thai overseas workers in Israel. Many of them worked on farms. The profile of Thai overseas workers and Pinoy OFWs could not be more different. Because Pinoys are in general more proficient in English, we end up in jobs like care-giving. When the person they are taking care of dies, the OFW care give goes home without new knowledge. The Thai overseas workers returns home and know more about drip irrigation or raising high-value crops. Sometimes, they also sneak in some cuttings of plants and propagate them in Thailand. Sad to say that our glorified behind wipers are at a disadvantage compared to their Thai counterparts. Just saying it as I see it.

  • Pio Gante

    malaki man ang padala di pa rin sapat. hihiram ng pera ang kamag-anak pero wala namang balak bayaran, pag siningil ikaw pa masama. ang galing talaga ng mga pinoy,

    dawat limpio

  • mewo_meow

    Sad to say, some spouses of OFWs resort to extra marital affairs or gambling thus diverting the hard earned money to such activities instead of saving up.

  • tekateka

    Half of Philippine Population does not deserve to live!!!!

    • walang pakundangan

      not me. , but that includes you! ! !

  • Diepor

    Many OFW waste their money to send or bring home phones, I-pads, sneakers and so on to show people how rich they are. Then they come home with stuff but no money.

  • rodben

    Tama po itong mga tips na ito pag both wife and husband are work in abroad at mga anak ay sa lolo at lola sa Pinas sa taas po ng mga pangunahing pangangailangan sa Pinas..Na alala ko noong bata pa ako in 70’s pag umuwi sa Pinas ng Pinsan namin sa US mga kamag anak nya ang gumagastus lahat ( kain tulog , pasyal , swimming, at pati manood ng sine ) at wala kang maririnkig na nanghihingi ng pasalubong mahalaga masaya kami at nagkita kita…ngayon pag ang isang abroad umuwi ng Pinas lahat ng kamag-anakan ay hingi dito hingi doon minsan may nagtatampo pa dahil kulang..sanhi po yan ng kawalan ng kita magkatrabaho man 5months lang sibak na kulang pa sa pambayad utang noong nag-aapply pa at pag magsasaka naman napupunta lang sa bayad sa banko ang inani dahil sa napakataas ng mga gamit at pangangailangan sa sakahan ngayon plus pa hihingi pa ang mga NPA so kapos talaga…kya nga ibang mga OFW gumagawa nalang ng paraan na mag TNT dahil ayaw ng umuwi ng Pinas hannggat malakas pa at wala pang sapat na ipon..dahil sa PInas di ka maka-ipon..

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