Ten years ago, I met my ideal partner online. I come from Manila on the Philippines and my man lived in the US. That’s a long way to hold a relationship across so I did the only thing I could think of to do – I moved.
I upped sticks and left for shores that were relatively unknown to me at the time and, yes, I did marry him and we’re still together now. I love the States, it is a beautiful country but it’s hard.
Bigger and Better?
Everything is so much bigger here than back in Manila and that includes the problem of debt. I personally never fell into the trap of credit cards and bank loans but I know many of my fellow countrymen who have and it’s a sad sight to see.
It’s harder for a foreigner to get a good job and they often end up taking on menial jobs. Ok, I know you have to get a foot in the door and prove yourself but, for many, this doesn’t happen. They find themselves in a position they can’t get out of, with not enough cash coming in to cover the essentials in life, let alone any left over for luxuries.
The Growing Problem of Debt
To be honest, there are many Filipinos living here in the States who are in more debt now than they ever were back home. It’s all too easy in the US to get a credit card. And, once you have one, well, you might as well have a few more, just for emergencies you know.
Plus, being able to choose form a number of cards makes you look and feel rich. Its only when all the bills start coming in that things start to get difficult. I have watched so many people borrow from one card to pay off another.
I’ve seen too many people buying things they don’t really need just because they can. I’ve also seen people getting themselves into large amounts of debt just to survive, to keep their heads above water.
Money Doesn’t Make the World Go Round
I’m sorry to say that some of these people don’t realise that it takes more than money to survive in a place like the States. It takes education; it takes perseverance and determination. It takes a good deal of hard work but it does pay off in the end.
It’s my opinion that it should be made much harder for people to obtain credit. I know that means some people will fail and will end up going home but it really is the survival of the fittest here, not the one with the most amount of debt!