The Jhenuels In Canada

The Jhenuels In Canada 🇨🇦🇵🇭Filipino Family in Canada

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Why so charming our hailey….😍
09/18/2025

Why so charming our hailey….😍

09/17/2025

The Quiet Burden of Debt(UTANG)

Tahimik ang utang—but mabigat. Hindi ito laging nakikita sa pictures: naka-smile sa family photo, pero sa likod ng camera may due date bukas, may minimum payment ngayong gabi, at may “reminder” calls na kinatatakutan mong sagutin.

Real talk: hindi ka mag-isa. Maraming pamilya ang nagja-juggle ng grocery, renta, gas, tuition, at minsan… pride. Minsan nakakahiya, minsan nakakagalit sa sarili. Pero tandaan mo- ang utang ay sitwasyon, hindi identity.

Small, steady steps that help:
1. Harapin sa papel. Isulat lahat: balance, interest, due date. Kapag malinaw, mas nakakagalaw.
2. Needs vs. wants. Pansamantalang higpitan. Hindi forever—season lang.
3. Pay strategy. Snowball (maliit muna for momentum) o Avalanche (mataas na interest muna para tipid). Ang mahalaga: consistent.
4. Tawag, huwag iwas. Makipag-usap sa lender; minsan may hardship plan, interest reduction, o payment deferral.
5. Automate minimums para iwas late fees, tapos idagdag mo ang extra sa target debt.
6. Micro emergency fund (kahit $200–$500) para hindi balik sweldo-to-sweldo sa unang aberya.
7. Side income kung kaya. Kahit weekend gig/online service/declutter selling—small wins add up.
8. Talk as a team. Isang budget = iisang laban. Walang sisi, puro solusyon.
9. Protect your mind. Social media detox kung trigger ang comparison. Matulog. Magpahinga.
10. Celebrate tiny wins. Isang card down? Mark the date. You’re rebuilding.

Evening stroll + unexpected furry friends 🐇
09/17/2025

Evening stroll + unexpected furry friends 🐇

Ito na yung moment na pinaghalo ang pride at lunkot.Masakit mag-let go, pero mas masakit pigilan silang lumaki. 🌱Parenti...
09/13/2025

Ito na yung moment na pinaghalo ang pride at lunkot.
Masakit mag-let go, pero mas masakit pigilan silang lumaki. 🌱
Parenting is all about raising them well… para dumating ang araw na kaya nilang tumayo nang mag-isa. Ang pagiging independent ay bagong chapter, hindi lang para kay Kuya Hans, kundi pati para sa amin bilang magulang. Hayyy parang kahapon lang inaalagaan ko siya 24/7, ngayon magsisimula ng tumayo sa sarili niyang paa.😭 Parents, na-experience niyo na ba ito? How did you handle the transition? Share your story below. Grabee, 4am na hindi parin ako natutulog.. maga na mga mata..😭

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Duncan, BC

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+12508155218

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