Monday, June 29, 2015
Being Debt-Free and Lovin' it: Things I Prepared Before Deciding to Come Home For Good
Reading my old posts while I was still abroad and itching to come home for good, I thought of the times I wrote that certain post on how nervous I was and how I kept reassuring myself that everything will turn out okay. Looking back, it was crazy! It's like, "Man, why did you feel that way before? Now that you're here, it's not too bad,right?!"
Here are the things I did before going home for good:
One thing I prioritized before coming home for good was to be debt-free. It feels really good to not have any debts hanging over your head. It's like you can choose to be working or not and the enormous kilig feeling you feel that your hands aren't bound to any lending entity out there is priceless. It's the freedom I feel knowing that I don't have to pay mortgages every month, that I can choose to stay home and take it easy for a little bit till boredom push me to find work. I can't even begin to describe how amazing it is to be owning your own life and money and not being able to slave your life to work. No more singing: "I owe, I owe... so off to work I go!"
Before going home, I want to have my housing secured so that no matter what happens, I have a house to call my own. Nobody would kick me out or no bank will threaten to foreclose my property coz it is already mine. Shelter is one of the basic needs and I must have one before packing my bag and head home. I got it and I'm thankful.
I was lucky enough that I didn't really grow up with a materialistic mindset. Yes, there was a phase in my life that I became materialistic because "I didn't have this growing up so I must have it now" but I am glad I was way over that phase. I appreciate the life that I am living now together with my two dogs and my younger brother. It's like I can choose to work or continue to live simply and for now, I am leaning towards "living simply."
I squirrel away two years worth of expenses before deciding to come home for good and since my life changed recently (see post here) and my expenses got down by few thousands, I realized I have enough emergency fund for at least 3 years or so.
No place like home indeed