5 Money Hacks Every OFW Should Know

Katas ng Abroad, Dapat Hindi Sayang

Naranasan mo na bang mapaisip…
​
“Laki ng kinikita ko sa abroad, pero bakit parang wala akong napala?”

Tapos padala ka nang padala- pero ikaw?
Last sa priority. No savings, no backup, puro stress.
Real talk lang, bes.

Hindi natin pinili maging OFW para lang maging walking ATM.
Pinili natin ‘to para sa better life. So let’s start making that life happen.

💡 Hack #1: Pay Yourself First
Rule #1 sa lahat ng wais na OFW: Unahin mo sarili mo.
💬 “Pero para sa pamilya ‘to eh…”
Yes, and that’s exactly why you need to build your financial security first.
📍Example:
If you earn SAR 3,000 per month, set aside 10% or SAR 300 agad-agad.
Automatic transfer to a separate savings account.
Walang tanong, walang bawian.
📥 Bonus tip: Use apps like BPI Save-Up, GCash Save, or Maya Goals para naka-set na ang auto-ipon mo.

💡 Hack #2: E-Wallets Are Not ToysDigital wallets = double-edged sword.
Mabilis magpadala… pero mas mabilis magastos.
📍Example:
Instead of sending all your money via remittance, split it:

• 50% bills and fixed expenses
• 30% savings/investments
• 20% luho (yes, may space pa rin ang milk tea sa buhay mo)

📥 Use GCash, STC Pay, or Maya—but track where your money goes.
Wag mo hintaying ma-lowbat ang wallet mo before you realize ubos na pala.

💡 Hack #3: Padala With a Purpose
OFWs often feel guilty if they don’t send enough.
But here's the truth: Walang saysay ang sakripisyo kung nauubos ka.
📍Example:
Create a family "Padala Budget."
✅ P5,000 monthly for bills
✅ P3,000 for tuition
✅ Zero for random Shopee budol ng pamangkin
Set boundaries. And communicate them.
You’re not selfish, you’re strategic.

💡 Hack #4: Invest, Kahit Konti Lang
You don’t need to start with PHP 100,000.
You can start with 50 pesos.
📍Example:

• GInvest (as low as ₱50)
• SunLife or AXA mutual funds (₱1,000–₱5,000 start)
• Time deposit sa BDO, Security Bank, or even your local bank abroad

Small consistent investments > one-time big-time.

💡 Hack #5: Mag-Side Hustle (The Smart Way)
Kung may free time ka, why not earn extra?
Pero wag yung ubos ang energy mo.
📍Example Side Hustles for OFWs:
✅ Virtual Assistant work (kahit part-time lang)
✅ Resell products from KSA to PH via Shopee
✅ Freelance writing, design, or tutoring
✅ Digital product selling (Canva templates, eBooks)
Your side hustle should support your life, not drain it.

FREEBIE: Downloadable “OFW Money Glow-Up Checklist”
We made this for YOU.
A one-page, easy-to-follow printable para hindi ka na maligaw sa pera mo.
👉 Click here to download your OFW Money Glow-Up Checklist (PDF)

Final Reminder from Prosperity Max:
“Hindi mo kailangang maghintay ng milyon bago mag-ipon.
Kailangan mo lang simulan habang may kinikita ka pa.”

Padala with purpose. Ipon with pride. Invest with intention.
You deserve #onegoodlife too, OFW.

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🪙 Real talk: Every peso counts. Start your Ipon Goals today!
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