A teacher’s story on getting a house despite many loans ahead

A teacher’s story on getting a house despite many loans ahead

At the age of 32, getting a house is obligatory for me as I have gotten married for almost 6 years already. In fact, as a teacher it is one of the major projects each could have in the first three years in service. I have been living under the roof of my parents since then and even when I got married, I still lived with them. It was always my dream to build a house for me and my new family but things didn’t work out for me that fast.

I am the eldest of four siblings and it was my responsibility to make sure my siblings graduated before I marry. To cut it short, I was the second bread winner of the family of six. It took me another 5 years to get into DepEd as a permanent school teacher. That was when I was 26 years old. By the time I entered DepEd, my siblings were all professional but not yet employed. It was also that time that I decided to get married. Life is tough and so we never get the time to immediately build our own house.

It was hard for me to build my own house because I was still supporting my family. I got a loan from the bank for the renovation of our old house (sira-sira na kasi). Then, I tell you that whenever a teacher starts getting a loan, it will never end. So it happened to me. My loans from here and there never stopped. My needs grow and grow so I have to dive into another loan to survive.

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It came to a point where it is already tiring and I am not motivated to work anymore. My dream of getting a house was not realized and I have only Php6,000.00 left in my monthly salary. How will I survive each month from that amount? To tell you the truth, I don’t know how I survived either. I rely on my strong faith to God and my rackets (lol).

Fast forward 2020 and the pandemic hits globally. It was then that I have the time to do extra jobs online like writing articles for other bloggers. This article writing helped me a lot to generate funds for other expenses in the house. Then, to tell you the truth, I still have many loans with me but I get this aura that I can pursue my dream of getting a house.

Now, it is 2021 and even though I still have so many loans, I manage to build my own tiny house. Getting a house is not that easy as my current situation is a mess (loans here and there) but I manage to have it. The fact that I still avail re-loans (no choice ang teacher) but at least, I have spent my money on such a great purpose. It is different when you have you own than to live with your parents at the age of 32.

house

house 2

I am sharing my story to you to tell you that loans can’t stop you from getting what you want. Yes, the only thing you need is to manage everything. Plan your next step and balance your advantages and disadvantages. That way, you will see the fruit of your labor. Loans will never leave teachers alone until the day they retire from service. The only thing to do is to manage and survive. – Clea | Helpline PH

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8 thoughts on “A teacher’s story on getting a house despite many loans ahead”

  1. Huge Gin

    Ako nga po 2k+ na lang net pay at di pa matapos ang bahay. Na demanda pa nung pinagkunan ko nga mga materyales dahil nakautang ako at di ko pa mabayaran until now. But God is Good, may dumating na blessings ang promotion ko. At hinihintay ko na lang po maka reloan ako para mabayaran ko ang utang ko pinagkunan ko ng materyales. Mahirap pero pilit kinakaya para sa pamilya.

    I would also be posting almost the same story pero yung sakin talaga dami kong pinagdaanan.

  2. That’s truly inspiring. Thank you so much for sharing your story. My wife is also from DepEd and we just got married last year. We’re now on the same boat starting to build our own. This is a great inspiration… Thank you.

  3. Anacita Q. Locion

    How did you do that. Please help me too from financial crisis

  4. Chona Belle Tejada

    Such an inspiring story and I can relate to that.. I’m also a public school teacher for 14 years and its true na the more years you spend in work, the lesser income na lang talaga kasi ako 3k nlng ang sinasahod at nakasangla pa ang ATM. May bahay nga ako pero galing din sa loans.. naubos ang loans, ang bahay di pa tapos..may utang pa ako na labas sa payroll kaya talagang gipit na gipit. may 2 na anak pa ako..ang isa nag-aaral sa grade 4 and isa 3 years old pa lang..nakita ko talaga at naramdaman kung gaano kahirap mamuhay na meron ka ngang trabaho pero pambayad nlng talaga sa utang napupunta..paramg wala kang karapatan na mag absent kasi pag lumiban ka may undeducted obligation mas lalong lalaki ang utang mo..dahil dito, 2019 nag decide akong mag abroad (USA) sa kagustohan kong makabayad sa lahat ng loans kasi nakikita kong pagka retire ubos pa rin lahat ng dahil sa mga loans and for sure walang matitira..Pero God has been so GOOD! di nya talaga ako pinabayaan..Di ako natuloy ng US pero dinala Niya ako sa mas magandang OPPORTUNITY na talagang nakapagpabago ng buhay ko at ng pamilya ko. Sumali ako sa isang Online Business na pwde kong gawin Part-time lang.. what’s best kasi kahit at the comforts of our homee pwde pa ring kumita ng extra. Doing this business for 2 years, nakabayad na rin ako sa wakas sa mga loans ko sa City Savings Bank at sa PS Bank…nabayaran na rin ang loan ko sa labas..may savings na for the family (first time may savings na talaga na hindi ginagalaw) , what’s best, nakapaglabas ako ng dream car ko na Toyota Fortuner…Who would have thought na ang isang kagaya kong sagad na teacher, now DEBT-FREE na! All thanks to this Online Business and to God who always sees the desires of our hearts. Talagang natutunan ko na we must not rely on one source of income lang talaga kasi walang yumayaman sa pagiging empleyado..Also, never be afraid to do something na di mo pa ginagawa ever kasi baka ito na ang hinihintay natin na opportunity na makapagpapabago sa takbo ng buhay..Walang impossible sa taong may pangarap! To God be all the Glory..

    1. GLENDA TERENG

      Waw how did you do that could you help me also for my financial problem please ….

  5. GLENDA TERENG

    Ganun nga din po ako. Paano po?
    Could you help me how?
    Please lang wag naman po scam

  6. 2016 When I decided to start building my dream house w/ my savings in the bank I thought enough na sya for a 2 Storey house. 2018 nagsimula ang construction & December of the same year ntapos ung Ground Floor. January 2019 lumipat ako, sarap ng feeling n may sarili ka ring bahay pro d pa rin ako satisfied n d tpos ang plano ng buong bahay, After 3 yrs. na fully paid ko ung Salary Loan, nag reloan uli ako for the construction of the 2nd Floor (Structural Phase) which started 2 weeks ago. I know n hindi sapat ang budget ko this time but I strongly believe na konting kembot pa pasasaan mttapos ko din ang dreamhouse ko before I retire.

  7. cora Asuncion

    Bakit nga kaya? wala bang work ang mga husbands? living ba kayo beyond ur means?

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