Why are we left with nothing but a choice?
There are times we are sandwiched in between rocks and all we need to do is to find a way to squeeze ourselves out less it'll be our last if we don't.
It's almost a month when we have to deal with the patch of land we are toiling. It was my husband's adoptive mother's lot which was handled by one of her nephews. My husband, is also her nephew whom she adopted when her sister died. My husband's biological mother's inheritance were lost due to mishandling leaving him with nothing.
Back to the land which we have to deal, it was handled by one of my husband's cousins who spent most for the hospitalization of my husband's adoptive mother. This old woman, my husband calls mother was severely ill a decade ago. After some months of hospitalization, she was brought home like a living corpse when they saw there's no hope for her to live anymore. During her hospitalization, every patch of land she has was leased which was used for her medicine and hospital bills. Miraculously, she survived that ordeal. We're not married those time yet.
One of the leased lot was the one we are farming. It was paid back by one of my husband's cousin now he had been farming it since then.It was only last year when we were able to get hold half of it when it was decided it should be divided between my husband and his cousin. The money however, was paid back by my mother-in-law to this nephew of hers but the barangay officials ended with a decision of dividing it to prevent further conflicts.
Lately, we learned that this cousin of my husband was selling his part of the lot. None of their other relatives
have that amount of money. Maybe they have but it is not intended for buying a patch of land because they maybe they have enough. Now, one of the relatives is interested in it but the money she's expecting to loan will not be available until this month or on January. The seller was somehow in a rush last November that he can't wait further. So, he brought it to other people. Someone, preferably he knew who is in need of it and someone who has that amount of money.
Here in our place, lots for sale are to be sold to relatives but when none of them is interested or can't afford it then it is brought to other people. So that when my husband learned that one who is on high standards is going to buy it that he hurriedly went to loan money. He said he doesn't like other people to be beside his because we will be treated like some sort of trash.
We had a little argument because where will we get that amount when in the first place we don't even have a savings account for back up. 400K in peso with a 3 percent monthly interest is very huge. It is payable for 5 years but that span of time is very short. I nearly breakdown when I was computing that sum. I told my husband that we should be preparing for our children's education in secondary and tertiary level rather than loaning a huge amount for just a patch of land and will eventually put us into lots of debts. If only our souls could be pawned then it can be. It was just so unpractical.
I tried to talked him out in letting our other relatives just pay that 400K to the person whom we borrowed it. It was like we helped them be able to accumulate that amount in buying them time. Unlike when we bought it that it was urgent and in a rush. This way we will be out of debt. However, this man was so stubborn to even do so. He said that if they really wanted to have it then why had they not make a way to buy it.
Haisst... Now, we are to lease our other rice paddies to get the full amount and pay that darn of debt.
The patch of lot, nevertheless, is in a good location. It can be farmed or for residential purpose that's why the officer whom my husband's cousin brought to was determined to buy it.
Lot is very expensive here in our place unlike in the lowlands where a 400K pesos can buy a hectare or hectares of farm land. As the days roll over, price will be increasing and maybe we can't afford to buy even just some square meters.
We take it and secure a space for our kids to build their houses in the future with no assurance if we can pay our debts. Leave it and have our hands and mind free of debts and prepare for our kids education in the future. When the time comes that they were able to have a good and financially stable life then they would be able to buy them lot of their own.
Buying a patch of land is not something in question when you can afford it. How about when you can't? Instead of being indebted with no assurance if you can send your kids to college why not invest for their education.
I hope we can lease our other lot and pay that huge amount the soonest because thinking of the interest is just so stressing. Maybe it is one that's keeping my mind to overthink which leads to insomnia even if I have less sleep. The least I ever like was being indebted. I can't take things which I know I can't pay because I will be thinking on how to pay it without involving anyone.
Have you in anyway been in a situation where you have to decide on things whether to take it or leave it and let fate throw it's circumstances? It was like survival of the fittest. No guts, no glory. But ours was just so unrealistic.
Whether to take it or leave it, don't rush in making a decision. Weigh the circumstances before taking an action because it might be misleading and can take you to a quicksand. And the only way of survival is to make the best move by not letting yourself succumb to panic and making foolish moves but staying calm and grasp anything that is strong enough that could get yourself out when you pull on it.
This is one among of the many things which kept me unorganized for the past days. It led to being unproductive and I even forgot to remind my kids of their modules.
As of now, we were able to accumulate that 400k pesos and paid it back yesterday. However, we have to loan 65% of that amount at a lower interest and have one of our lot we are farming leased.
Thanks pixabay for the images used in this article.
12-12-21
Z_graeden
Ang mahal huhuhu