10.18.22

Let me get back on track with the 30-day writing challenge. I'm done with a few more topics/days, and the remaining topics seem to be interesting. Hmmm... How long will it take me to finish the last 5 topics?

Where were we? Day 26?

Write about an area in your life that you'd like to improve

This is a hard one to think through. I don't know exactly what I would like to improve aside from the fact that I want to improve my whole being. There are too many areas in my life so to say, but this topic should only be for one area in my life.

Money matters

Yes, that's my answer. I would like to improve my financial status or capability.

Most of us do. Most people would aim to get a job that can get them a high-paying salary or at least meet their needs. If you think that I may be the 'money can buy happiness' type, no I am not. I just want to live comfortably and when you get old or reached the stage of adulting, you'll realize a few things. I did realize a few things that I should've done when I was still single and had a job.

1. Save

2. Invest

3. Insure

4. Educate

*If you have thoughts to add, feel free to mention them in the comments section. :)

Past jobs

Let me give you a little background...

I am a graduate Bachelor in Office Administration, Major in Corporate Transcription it is a secretarial course and we can explore the world of corporate, medical, and legal offices.

I was a working student when I was in college. I earn minimum wage and just enough to get my daily allowance from my salary. I still ask my parents for tuition fees if my budget from my salary is short. Just to let you know, I graduated from a state university wherein our tuition fee is just around a thousand pesos (20$). Earning minimum wage (around 400 pesos or $8) per day for a part-time job is enough for me to go to work, school, and eat.

My first job after I graduated was as a part-time teacher for kids. It was just a 2-month deal but I managed to earn at least around 4,000 per class. I got around 2 to 3 classes in 2 months.

Project Assistant. I took my chances to find jobs in the working capital of the Philippines, Makati. I got hired by one of the known Telecommunications Companies namely, Smart Communications. I got excited to be employed by a such company but certain things happen and my salary wasn't enough. They offered new hires a minimum wage but you can work overtime at home every weekend if you like. The thought that it could be a good deal enough for me, I took the job. By the way, I wasn't a direct hire from that company but we were hired by a third-party company that deploys contractual employees to other companies. The contractual period was supposed to be 6 months and it is yet to decide if your supervisor would like to hire you permanently. Unfortunately, there were other Project assistants in other departments that weren't regularized after 6 months. With no assurance that we will be regularized and expecting a little salary raise, I left the company. I just want a little raise so I can have enough

Legal secretary. I tried my luck in a legal office wherein my friend recommended me to replace her position. I took the offer right away as it seems like they are a good company. Minimum wage salary with a few allowances, overtime rate, and hoping for a good working environment. Well, some expectations were met, but there were unexpected things too. I didn't like how my colleagues took advantage of me as a new employee and the senior partner in that firm was too arrogant as if no one can make mistakes in the first few weeks or months of hire. I remember him yelling at me 'nag-aral ka ba!?' (did you study?). I got offended that he yelled at me for the reason that I can't read his penmanship properly. Imagine encoding legal documents and reading his doctor-like penmanship which I will take time to get used to. It was fine if he stays in gives me documents all the time for me to familiarize his handwriting but no. He stays once or twice a week in the office. I can easily say that if you're such an intelligent lawyer, you could've studied how to use a computer too. Of course, I didn't say that, I just extended my patience for a few more weeks just for the sake of getting my 13th month pay and submitted my immediate resignation.

Call Center Agent. After that horrible experience, I felt at home when I worked as a call center agent in Quezon city. The salary offered was just enough for my needs, and wants, and helped my parents in the way I can most of the time with groceries. I stayed there for 3 years until I transferred to a different company.

I wish I could have...

I can say that being a call center agent got me a better-paying salary/job in exchange for my patience char! Although I got through it, I did regret not doing something financially. All I did was buy food that we can't afford before, drink with friends, and buy hair dyes, shoes, clothes, or other things that we didn't do or have when we were young.

I didn't even educate myself financially, thinking that I was too young for it and that I need to enjoy my salary the best that I can.

I didn't even save or even thought of saving. Spending all my money until the last peso was my need.

I didn't even invest in something for a long-term purpose like a house or perhaps a business.

I didn't even get insurance for me or my parents.

Now that I have my own family, I blame my parents for not teaching us such. There were not to blame by the way. Maybe I got used to doing what I saw they are doing, how they spend but not educating myself to save money for myself or my future. All I know back then was I need to get a decent job that can help us with our finances. But that doesn't assure us that we can have the same job and money while we are living.

It's not too late, yes, but I could've started earlier.

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