Monday, April 28, 2014

MEMORIES TO REMEMBER



As we aged, some unforgettable memories hiding inside our mind are ready to be recalled when given a chance to remember. The memories can never be forgotten as time passes by. Our mind was a storehouse keeping all past events that happened. It was there whether it has a happy ending or a very painful one.
Memories are recollection of past stories that we don't want to forget. It keeps coming back every minute of it. It just flashed in our mind during the period of our solitude even before we sleep. It has wonderful feeling worth remembering but sometimes it also bring sadness. Sometimes it hurts our pride. There are instances that our lives are put to the test and then survived.
There are memories we wanted to forget and remember. Remembering thus happy moment caused us to have that big smile especially if it is very important to be remembered. There is a feeling of happiness, contentment and peace. 
I had a painful experience when I was still a teenager. I accompanied my father seeing our land that we cleared for planting sorghum. With me was my little sister age 7. When we decided to cut a single tree that shadowed the clearing, I myself was the one cutting it without realizing that my little sister was near the area. I told her to stay away from  portion of the clearing but she disobeyed and go near it without my knowledge. When the tree is about to fall, the direction changes due to wind movement altering its supposed  path of falling instead it went directly to the site where my little sister was standing. The tree missed her 3 feet but she was caught by the branches dropping her to the ground. My first reaction was panic especially when my little sister moaned instead of crying. We found out that her left leg was hit by the branches. She can't stand alone and in great pain. We immediately brought her to the health center in our place for treatment of cuts and bruises in some parts of her body. But the redness in her legs decided us to bring my sister to the hospital for thorough medical check-up.
We did not delay in bringing her to the hospital. Physical examination with the aid of x-ray result showed that her left leg has 2 small fractures. I cried seeing the condition of my sister who started having a fever. I felt the guilt feeling inside me by not making it sure before felling that tree. It was a negligence that bothered me most of the time even during my waking hours.
The doctor did the plaster casting after stretching to put the cracked bones to its place and into stable condition. It took a month for my sister to stay in the hospital. Another month for recuperation in our home before the plaster cast was removed. Another x-ray exposure been taken that showed the cracked bones healed slowly but my little sister has to use braces and crutches to protect the bones to give way. 
This experience continued bothering me every hour of my life blaming myself to the accident. Even after several years, it is still fresh in my mind the scene that I cannot completely forget.
Memories can never be forgotten if it pained us to remember.

Friday, April 11, 2014

A WAY OUT TO DEBT



The call of modern lifestyle is the reason why paying the monthly bills becomes a burden to our limited resources and the incapacity to pay. We will be caught in a trap of overspending if we allow it to enslave us. We are very fond of having material things and spending unnecessary expenses because it was our habit to show to the world that we can manage even if it is not. This is the result of irrational spending that put us in misery. The difficulty that we have now is of our own making. We are shortsighted to govern our decision without thinking repeatedly how to tackle the burden of debt.
We are in the hardship of looking for money to pay the stacks of liabilities from the bank, pawn shops, lending institution and from friends. This is the time we asked ourselves, "What had I done?" and how to escape from the bondage of debt that started crippling the core of our very lives.
Debt becomes the source of trouble in the family. Parents were in conflict how to handle the management of overspending and how to control it. It destroys the happiness and comfort instead of not having to worry something too much. The kind of character we have put pressure to our destructive habit that leads us to the hardship our family is now facing.
Overspending can crippled our lives for being careless in making a sound financial decision and become the root cause of emotional problem destroying the fabric of a happy family.
There is still chances to escape from being a slave to debt:
Start facing the realities that spending should be done less than what you have earn.
Avoid your many wonderful fantasies when you knew you don't have the capacity to pay.
Make a habit to be reasonable. Don't start making a problem by putting in debt. By doing it, it will be a hard time to be out it.
Make a complete mental make-over and strive to have a good financial stability for your peace of mind.
Challenge your destructive habit. Equip your mind with enough knowledge of wise-spending.
Be strong and avoid any temptation to go to the other side.
Have a good insight and put the welfare of your family first in your heart and material things later.
Do proper budgeting. Prioritize the most basic needs for your family. Find ways how you can save. Make a goal on how you can eliminate debt. Be firm to your decision. Do a little sacrifice, it is of your advantage.
Change your own kind of extravagant lifestyle. It will only bring you difficulties to pay your debt.
Overcoming debt is your best choice. Resist the temptation. Widen your sense of understanding for your comfort. Learn this secret and you will be assured it will not fail you.