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By Cito Beltran
Broadcast-Journalist
The Philippine Star
Having opted to live a less stressful lifestyle away from the limelight or the Rat Race, it's but normal for people who made the choice, to sometimes wonder if they did the right thing. They experience pangs of guilt about being underemployed, less productive and certainly reduced in their income potential. While everyone else is BUSY making a LIVING, you ask yourself if it's a mature thing to be at home or semi-retired at the farm. Are you wasting all your God-given talents raising kids, growing your own food, or simply living on very little money and simple needs? Shouldn't you be involved in today's politics, today's technology?And are your friends right about saying "Sayang Ka"?
To begin with P100,000 would certainly end up with the government as taxes. That would leave me with only P200,000. To earn that, I would have to be at work by eight everyday, instead of coming up with imaginative tricks to wake up my daughter like placing her puppy in her bed, or simply standing over her watching this angelic child in her field of dreams.
I would have to eat breakfast by six, leave the house by 6:30. That means no more breakfast conversations with my wife and certainly an end to our morning prayers not just for us but for family and friends. From the P200,000, I would have to spend at least P20,000 a month or 10% of net to pay for gasoline driving the brand new Volvo to office everyday. So in effect, I would only be earning P180,000 or even less. Not to mention that my friends who sell Mercedes Benzes, Jaguars, etc. would brand me as a traitor.
and from time to time even dinner. I would have to choose from a menu instead of whipping up something in my kitchen.
In the absence of maintenance you can enter about P10,000 as your average monthly repair bill for labor and materials. So now, you discover you're only earning P150,000 a month.
Instead of being in a HOME I own, I will have to try to be "at home' in an office where I will be spending more of my "awake time". This finally solves the puzzle; why do we always fill our offices with personal stuff which we will have to take home in a box when we retire, resign or get fired? From having my independence and personal views, I would then have a real live flesh and bones Boss (because of what I thought was P200,000 a month salary) can tell me how to jump! Someone who's seniority or proprietary rights automatically makes him right even if he's stupid.
Because you now have to spend most of the time at the office or behind a desk, you can't do your regular walk in the park or jog around the village which is also your bonding time with your spouse, your kids, or your dogs.
Vistas program, the latest cell phones, iPod etc.
Even if you paid all of that on installment for 24 months, it would be in the area of P20,000 a month which further reduces your income to P125,000 a month.
The problem with this major part of the expense is many people mistakenly call them necessary investments, professional expense, but don't see them as deductions from PERSONAL wealth. It would also mean, not sharing the responsibility of taking our child to school, missing out on small talk that tell you big things in children's minds, and dropping out on all the parent-child activities. I would also nullify all the adjustments we made in
the last 5 years where we integrated home life with work in order to be more of a family than employees with a family.
daughter, morning talks and prayers with God, affirmation of my role as husband, father. I would be relinquishing responsibility for my house, as well as my home.
What we've done is determine what really matters, what and how much we really need, give up what we don't need or care for and trust in God and not in men. This is what I call real life cost-benefit analysis. To make an accounting of what we think we're getting against what we know we're losing.
Sometimes earning more actually costs more.
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And here's my reply:
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Thanks, bro. I needed that. I do wonder sometimes if I made the right choice living in a slow-paced city, spending time with my parents, my stroke-victimized grandma, and my dogs. I work next door to the church, which means I can attend prayer meetings and midweek Bible studies. I serve as a worship leader, musician, and second man to my pastor. I get to spend an hour with God every morning in prayer and Bible reading if I wanted, and still read my Bible at night, answer e-mails, check out my crush's personal web site, and still be able to take a shower before bed time. I can live a simple life earning a middle-class income, but still support my family and my church financially.
I love you bro, and I know I made the right choice. God bless you and have a prosperous journey.
RJ
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The simple things in life come with simple choices. And though we take ventures in faith, we don't always know if we did the right thing, until we look back and see the fruit that it has produced. God is faithful.