Filipinos and Money. It’s like an oxymoron similar to the words “smart bomb”, “military intelligence”, “Filipino logic” :), “Filipino Intlligence Services” etc. Filo’s wouldn’t have understood that last line as they cannot understand sarcasm, irony and most foreign humour.
The topic of my post is about the borrowing habits of Filipinos. I may write a number of posts as this is a huge area – let me rephrase that HUGE FUCKING AREA that is part and parcel of living in the Philippines.
I’ve travelled a lot and never have I experienced to what could be dscribed as rampant, the demands of a local culture on visitors for money to a point of it being embarassing to their own culture. It’s gotten to the point like Nigerians are known as “scammers”, that Filipinos will .. at some point ask you for money, even though they will deny it, they eventually do. Its normal for them to borrow from one person to pay the debts of another Filipino in some cases or where there will be some hurt money involved else they just bypass their promises, obligations and run – not or never paying the debts due.
I can tell you now – if you lend to a Filipino – 100% – ONE HUNDRED PERCENT you won’t get your money back. Filipino’s are swimming, if not drowning in problems and financial problems are just one slice in their lifes problem cake.
Borrowing money to pay another debt is a common story. It largely works that the father and mother have financial helped their parents and now the kids help the parents in this generation. Filipinos cannot, CANNOT see this stupid poverty cycle that the current generation supports the last generation of losers who supported the last generation of losers. It will never stop.
As a foreigner I hear this bullshit they are Family orientated society. LOOK OUT – thats the biggest load of bullshit you will come accross, it should read the Family is orientated on YOU and YOUR WALLET.
Financial debt is increasing in the Philippines. Imagine if they could get money out at most checkout counters, get cheap loans and not the 5-20% per month bullshit they endure, imagine if they worked out that their salaries don’t cover cost of living and they would not endure “suicide week” which is the last week before pay is due and they have run out of money for food. Life in the Philippines basically, well… SUCKS for Filipino’s (in a lot of cases).
Filipino’s love talking in round about ways to say one thing and mean another. We know that when they say “I prOmiC t0 pay you next salary” and all the promises under the sun … its just bullshit. I feel like saying but don’t want to waste my time that in 10 years, never has a Filipino paid me back so how are you (the one asking for money) any fucking different.
When I say twisting words we all know that when they say “borrow” they mean GIVE. When they say Emergency – its probably some lame bullshit like I had “a family emergency” which turned out to be money for a school project. I have no food – then after, I have cans of food here I’ll go to town tommorrow (now) and get the money.
Why don’t these fuckers face it, fess up and tell the truth for a change.
Filipinos tend to ignore or procrastinate on upcoming deadlines and then it becomes an EMERGENCY – Thats when girls especially start prostituting themselves and their bodies for cash to pay expenses. But society won’t change.
Leaving things to the very end, time and time and time and fucking time again is purely and simply a lack of discipline. They are just so fucking undisciplined and random people they think for today and not for tommorrow. If you give money for a bill thats due in 5 days time, it will likely be spent today or tommorrow on something else and then the emergency starts again. Its fucking tiring being around this mentality. Filipinos live life like most people live school – cram things at the very end for the exam.
Life to the fullest – Narrow minded thinking. The impulsiveness is out of fucking control, so bad in fact Filipinos will spend money they cannot afford for instant gratification. One is seeing the family around holiday time when other bills like rent and electricity are due. Fuck the family, theres no need to go back to the province. I am tired of the stupidity as previously mentioned here when after a long weekend you get the familiar texting going bazzerk like a machine gun asking for fare money back. No wonder these people cannot be disciplined enough to save money.
Its like Filipinos have adopted the mantra “you only live once” and sure as fuck – they only live for today and not for tommorrow. I had people that on one hand were asking me for food money as they had none and after I gave that the next day they came back wanting to buy a hand bag for work AND had given 10% to the fucking church as they havent given at mass for a long time. ARE FILIPINOS REALLY FUCKING SERIOUS ABOUT LIFE?
This is a statement from people who don’t have any plans in life. Most Filipinos are living in the Bahala Na Si Batman lifestyle, the quick shopping specials and promos and the malls like Ayala and SM that have goods they cannot afford. Its a saying entrusting their future to the fictional character Batman.
Medicine and Sickness – Dont mention this word, you will attract it. This fucked up notion of not saying something that might sound negative else you will attract it is just, well, fucked up. This means they escape from preparation for sickness, paying insurance etc. And when someone in the family gets sick, its panic stations. Wheres the money? Oh… pissed up against the wall, spent on roast pig and fireworks for New Years.
Ring Ring … Mr Foreigner… My lola is sick, can I borrow. I need medicine – arhhhhh bahh fuck off!
Insurance is doable – you can get insurance for 20-100 pesos albeit its a small cover – its a cover! NO – Filipinos don’t want to entertain anything to do with insurance and being protected. They would rather live life bare futt fucking naked and be subject to the sharks and vultures that prey in the system known as Governent, Hospitals, other filipino friens and family.
So guess what – when theres no one to turn to they turn to money lenders who charge 5-20% a month and then – hey Batman … Housten .. we have a fucking problem.
Birthdays, Fiestas, Christenings, someones applying for a job overseas – fuck me. Its non-fucking stop in the Philippines. All these events which such big families of 4, 5, 7+ brothers and sisters is making them broke!
Then you have the out of work arse wipes, the “on stand by’s” and hangers on who are barely scraping through in life.
It all becomes too much, no wonder Filipino’s are broke!
This lifestyle they live far beyond their capacity to pay for it is what is killing them like a cancer. Eventually that cancer spreads to their GOLD LOTTO – aka a foreigner they can wipe their arses on for a change.
Forget that bullshit a girl that “never asked me for a cent” – its deluded. She might not ask you but the family or someone in the social network will … eventually. The strategy for some has been to go in low and increase it up – raising the asks. So you think you are being Mr. Nice felluh over buying some load, the occassional swim in the swimming hole and things – but eventually… and sure as 100% BIGGER ASKS WILL COME as highlighted – HERE and HERE.
Remember that if you show that you have cash to a filipino or a family – you just are making a rod for your own back! Some foreigners who think they are KING FUCKING SHITs will eventually be hit upon. Expressions as common as the ungrateful one – “wheres my gift” (fuck me, i wanna hit someone that says that to me) is “Painom ka naman!” – You’ll shoulder the drinks and “Oh Ikaw taya ngayon! (you’ll shoulder the expenses). Ya.. these arse wipes have the expression to get off scott free and have someone else pay.
So these big events, fiestas and all the other bullshit which …
But many families are borrowing big for these occassions and grinding themselves into debt. Lechons at whatever? 3000-4000 each, drinks, food – someones gotta pay? Its hard for Filipinos to refuse – fuck they cannot even stand up for themselves as consumers, how, if they have a 100 hungry arse wipes like being out of the day of the zombies to please at Fiesta. To avoid the shame they do a run around borrowing money and making up by loans from other family.
“How do you make a small fortune in the Philippines?
You come with an even bigger fortune” – Anonymous. Well known saying.
They simply won’t question anything and keep repeating time and time again, generation after generation – robbing Peter to pay Paul.
My God, if you want to see social climbers in action .. come to the Philippines. Next time have a look at the new bag, watch, mobile phone on the photographs. These narcissists will do anything to get that selfie with some gift and even go to pawn shops to borrow money, loan on their class ring, loan on some fucking thing to get that instant gratification.
There are so many attention seekers out there – all trying to climb over each other like rodents to prove themselves worthy. Envy and greed for new gadgets. These again are what force Filipinos to be always bankrupt, chasing foreigners for money and selling themselves for sex.
Strangely, the later is how they live – complete denial. I spread my legs last week for cash but today is today and im not a prostitute today, next week … like a mouse on a wheel they repeat the same thing. They will deny vehemently they are not prostitutes – like they use spin on other words “borrow” is to give. It’s just mind boggling how they love to say one thing but never go forward and honour their promices. IN THE MOMENT – today. Forget tommorrow, foreget next month – just today. How can I satisfy my isntant gratification today.
They quote “im not like the rest” and then in the same breath ask for a loan (while 2 minutes before denying they never ask anyone for a loan) – SERIOUS! i had that – i thought are you kidding? you said you weren’t like the rest 2-5 minutes ago and now your hitting me up for an electric bill.
It’s completely fucking mind boggling. It’s like the points raised in the articles here “never argue with a Filipina” – It’s a mind fuck.
So where do Filipino’s go to make some money?
Not surprising a booming area is
- selling realestate (fuck im sick of condo sellers) and that question like where do you live, do you have a business here, do you have a house here … do you want to buy a fucking condo!
- MLM – selling 8-in-1 coffee, beauty products – fuck me, that coffee is the shitiest fucking drink ive tasted.
Filipinos fall for get rich schemes and take down their families and friends with them when these SCAMS or schemes fold. Take the scheme – One Dream Marketing which said to have taken people for 2 Billion Pesos. I just cant help it but say “not all filipino are like that sir ” 🙂 haha that bullshit statement if it were one that is more about the denial they live in.
Why cant Filipinos join legitaimate work instead of trying to sell overpriced coffee and soaps to their fellow Filipinos.
Lol… th answer is that there is no work that really pays. Business screws the fuck out of its employees and pays barely anything or has high penalties and deductions. This keeps Filipinos poor, in debt.. always borrowing, robbing Peter to pay Paul.
Many have joined these network marketing companies and some have succeeded, many have failed. I mean, wheres the fucking calculator when you need it LOL (the filipino calculator joke) and worked out how many soaps and toothpastes youd have to sell to make real, decent money downline.
The bottom line is for foreigners here – look at the scenario of inputs going into the Filipino lifestyle. You WILL be hit up – 100% for cash. If you don’t your a lucky guy. Perhaps the parents are dead and the siblings arefinancially independent. Have a reality check about the family and how they are encroaching – like crabs inching forward to ask you for a “favour”. Be prepared to lose the give as talking from experience if you lend to a filipino – 100% your not going to get your money back – inspite of the talk, promises and everything to do with paying back next salary which is a common line – don’t believe it. Don’t believ anything a Filipina says about money – that they are not like the rest. ITS A CULTURE not an individual. It’s like an accent on someone … its gone with the upbringing and sure as eggs you will get hitup.