An Offer Of Comfort To Those Who Suffer Financially

This pandemic has made countless of people jobless. It is never easy to lose your only source of income, most especially in a time like this. And yet, I would like to offer an assurance that God’s eyes are on us now.

How God Teaches Humility

Yes, I also included myself because this scenario isn’t new to me anymore. As a freelancer, there were times wherein every month I would send out job applications and proposals to get projects and earn. There were plenty of times, too, that my proposals were rejected or there were no projects available for me to do.

This was how it was for me in the last 3 years. So I know how hard it is to be constantly looking for ways to earn a living. I am already quite too familiar with situations where you had to rely on one source of income only to make ends meet at home.

What God Wants vs What I Want

I had this calling to pursue a remote career. It wasn’t an easy decision on my end, and I did share in my previous articles the reasons why. When doubt overcomes me, however, I’d once again apply to an office job only to be rebuked by God later on. Then, I would have to let go of the opportunity. I spent countless days and months asking the Lord “why” and what was His purpose for placing me in this predicament.

Little did I know that these were the times that God was asking me to rely on Him COMPLETELY for provisions. It is these moments of being so uncertain if you will have food on the table the next day or none the following week that made me view God as to who He really is as a provider.

His Love Never Fails, Always

Did God fail me?

NO. Not even once. And I would like to emphasize that because He was there for me and my husband when we needed Him most. God knows my former worrisome nature will always clash with my faith. It is what the enemy will use to attack me, make me defenseless, and eventually fall into his trap.

But take heart when I say that God always rescues those who seek Him with all their hearts in moments of need. He blesses those who call out to Him FIRST and rewards them accordingly. These rewards are even more than what we initially asked from Him.

When Rivers Run Dry, Turn To God

Yes, I understand how it can be unsettling to lose a job that literally allows you to survive in this world. And yet, when we see God as the one who provided that job in the first place, we can be assured that He will provide us with another one or another avenue where our needs will be met.

Here’s a fascinating testimony that I haven’t shared yet because we experienced it just this week. I lost some clients at the beginning of this year until now, which led me and my husband to once again rely on his income alone.

Keep The Good Fight Of Faith

Last year, there was a bounty of financial breakthroughs. And if my memory serves me right, it was my husband who asked me to set aside some cash on top of our usual savings. I placed it in a white envelope and put it inside a drawer.

Since we don’t need the money at that time, we somehow forgot that we have it. So when we were making financial adjustments a couple of months later, it wasn’t included in the accounting.

God’s Grace Is More Than Enough

Then, the pandemic happened. We had to consolidate all our resources and make do with what’s available. By God’s grace, there’s more than enough for all our needs. Yes, all that we have now is more than enough.

While I do believe in saving for the future, I have such great faith in God that He is our ULTIMATE provider. Thus, we have nothing to worry about our future when it comes to all our needs.

Elijah’s God Is The Same God We Have Today

This is somehow similar to the story of Elijah in the Bible and how God sent ravens and the widow to feed him (book of Kings). The woman’s jug of oil and jar of flour never ran empty allowing Elijah, the woman, and her family to have enough food to eat and survive.

But since God can still sense a little bit of worry and doubt in me, He knew I needed an assurance that would once again prove that He is who He is when He says that nothing is impossible with Him.

God’s Surprises Just Never End

Fewer clients mean lesser work hours for me. I had plenty of time to contemplate, search for new opportunities, and do my hobbies. So I decided to pick up the pencil and do some sketches again.

The only available pad for me to work on, however, is a big one so I decided to divide a page into half. This means I’d have to place the new sketch paper on a different pad. And I would need something to keep it in place.

The paper clips came as a solution, and I rummaged through our office supplies but found none. Then I remembered that I used paper clips for the white envelopes we allotted for budgeting.

A Need Fulfilled At Just The Right Time

So I went to the drawer, searched for one white envelope, took it out, and I think you already guessed what I saw. Voila, there neatly tucked inside were 3 paper bills – safely forgotten.

I just couldn’t contain the surprising discovery to myself so I shared it with my husband who teased me that I’ve been secretly stashing money away. I think it’s his way of saying that he also forgot. 😁

God knows we would need it at exactly the right time. The money will still remain as emergency funds though, and yet I already have a plan where half of it will go. Ah yes, indeed, the five barley loaves and fishes are more than enough to feed thousands of people.

As this verse says,

“And God will generously provide all you need. Then you will always have everything you need and plenty left over to share with others.” – Philippians 4:19

So to all unemployed brothers and sisters out there right now, I pray that you will hold on to this promise:

“And this same God who takes care of me will supply all your needs from His glorious riches, which have been given to us in Christ Jesus.” – 2 Corinthians 9:8

God will provide for you, too. Believe in this.

I think I can hear God saying,

“My child, why are you still pursuing the demands of this world? Have I not shown you enough the past few months what really matters?

Why are you still worried about your needs? Have I not provided you with more than enough ever since you became My child?”

God would like to hear our answer, and let it be a good one. 😉

Always relies on God for provisions before and now,

P.S. This article is part of the 80 drafts that I am currently preparing as scheduled posts. I am targeting (by God’s grace) to reach the mark of 500 published articles here on my blog.

We just don’t know what could happen in the next few days, weeks, and years. But as long as there are technology and WordPress, these testimonies will live on. 😀

Methinks it is also best to wait it out until this worldwide crisis is over, and start looking for new career opportunities. Businesses will be flourishing by then. And yet, this entirely depends on God’s plans and His timing. In the meantime, have faith that God will cover all of your needs. 🙂

 

 

Paano Nga Ba Maging Isang Remote Worker Sa Pilipinas? | A Guide

Handa ka na ba maging isang remote worker? Bago ang lahat, alamin muna kung ano ang sakop ng salitang remote worker o remote working.

Mayroong tatlong klase ng working from home or working remotely. Ito ay ang remote work, telework, at freelancing. Kadalasan, napaghahalo ang ibig sabihin ng bawat isa sa mga ito.

Narito ang mga articles para sa karagdagang kaalaman hinggil sa remote work, telework, at freelance:

“The Digital Age: Remote Work And Telework Defined”

“Be Protected As A Freelancer”

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A remote worker working from home. 😉

6 Tips Sa Pagtatrabaho Bilang Isang Remote Worker

1. Magsagawa ng financial assessment o budgeting.

Ito ang pinakaunang bagay na kailangang gawin bago ka mag-desisyon na maging isang remote worker o freelancer. Sa pamamagitan ng iyong financial analysis, alamin kung sapat ba ang iyong kikitain para pantustos sa iyong monthly expenses.

Kinakailangan din na mayroon kang emergency funds na nakalaan para sa mga panahon na magkaroon ng problema sa iyong client at employer pagdating sa payment. Ang freelancing o remote working ay pwedeng maging isang regular job. Maaari mong bitawan ang iyong day job or office job kung ang iyong kikitain sa pagiging remote worker ay pareho lang o higit pa.

Kung ikaw ay isang bread winner o may sinusuportahang anak, magulang, o relative on a consistent basis, mas maiging gawin ang freelancing bilang isang side hustle or job on the side. Ngunit kung hinihingi ng pagkakataon na ikaw ay maging isang remote worker gaya halimbawa sa mga full-time Moms, magandang opportunity ang remote working. Pero sa mga married couples, it’s best to consult with your spouse kung okay lang din sa kanya ang ganitong set-up.

2. Alamin ang iba’t ibang uri ng remote working or freelancing.

Ito ay depende sa magiging usapan ninyo ng iyong employer o client. Mayroong ibang employer na sila ang nagso-shoulder sa pagbayad ng iyong mga government-mandated benefits kagaya ng SSS, Pag-ibig, at Phil Health at saiyong BIR tax. Maaari ding makakuha ka ng company incentives at 13th-month pay na nakukuha ng isang regular employee pero may option ka na mag-work sa bahay o kung saan pa man.

May ibang clients din na pumapayag na sila ang sasagot sa mga bayarin mo sa kuryente at magpo-provide ng gagamitin mong laptop kung magwo-work from home ka. Pero mayroon ding clients na ang babayaran lang nila ay ang output or deliverables mo lang. Sa case na ito, ikaw ang magbabayad ng iyong mga contributions para sa SSS, Phil Health, at Pag-ibig kasama na ang BIR tax na 3% para sa mga freelance professionals or self-employed individuals. Ito ang kadalasan na setup para sa mga freelancers.

3. Ihanda ang iyong mga kakailanganing gamit sa remote working.

Kapag handa ka na maging isang remote worker, narito ang mga kakailanganin mo para sa iyong freelance or remote work:

  • reliable internet connection (mas mataas na mbps at DSL connection, mas maganda)
  • reliable laptop (mas malaki ang RAM, mas maganda; the client or employer will sometimes provide this)
  • backup internet connection (pocket wifi)
  • sariling private work space (para sa work-from-home)

4. Ayusin ang iyong status sa BIR, SSS, Phil Health, at Pag-ibig.

Ito ay kadalasang applicable sa mga freelancers kung saan sila ang babayad ng mga contributions para sa SSS, Phil Health, at Pag-ibig at ng BIR tax. Para sa BIR tax, kailangan mong baguhin ang iyong status from employed to self-employed.

Para sa BIR:

Kailangan mo mag-register bilang certified freelancer or self-employed sa pamamagitan ng pagkuha ng Certificate of Registration sa BIR. Maaari mong basahin itong mga articles para malaman ang step-by-step process:

https://www.kalibrr.com/advice/2016/01/freelancers-guide-bir-registration

http://www.freelancing.ph/bir-requirements-every-filipino-freelancer-should-know/

https://blog.staff.com/a-taxation-guide-for-filipino-freelance-workers-finding-projects-online/

*Kung ikaw mismo ang magko-compute ng iyong taxes, maaari kang maghanap ng mga reliable na tax calculator applications kagaya nito:

https://play.google.com/store/apps/details?id=tax.app.cavalli.com.taxapp&hl=en

Para sa SSS:

Magbabago din ang iyong status ng pagbayad to voluntary member kung ikaw na ang magbabayad ng iyong SSS contributions. Narito ang mga instructions kung paano ito gawin:

https://theultimatevaresource.wordpress.com/2015/08/22/how-to-pay-sss-contributions-as-a-voluntary-member-a-guide-for-filipino-freelancers/

Para sa Phil Health at Pag-ibig:

Phil Health: http://rakethub.com/how-to-change-philhealth-registration-from-employee-to-voluntary/

Pag-ibig: http://www.pagibigfinancing.com/articles/2010/voluntary-membership-to-pag-ibig-fund-the-self-employed-freelancers-and-non-employees/

5. Mag-open ng bank account o PayPal account.

Kung ang client mo ay based abroad, mainam na gawing payment mode ang PayPal dahil ito ay secure. Pero bago makapag-open ng PayPal account, kinakailangan muna na mayroon kang bank account na nakapangalan sa’yo.

PayPal New Account

http://www.freelancing.ph/freelancers-guide-getting-know-paypal/

PayPal Withdrawal

https://www.pinoymoneytalk.com/paypal-withdraw-philippine-banks/

6. Gumawa ng sariling work routine.

Ito ay napakahalaga bilang isang remote worker dahil kahit na hawak mo ang iyong oras, how you finish an output will still depend kung paano mo hinahati ang iyong oras para matapos ang iyong mga tasks. Nariyan na ang mga usual na kalaban ng mga remote at freelance workers – procrastination at lack of self-discipline.

Dahil ang supervision ay remote din, malaki ang chance na ma-tempt ka mag-browse sa Facebook o matulog muna saiyong kama hanggang sa hindi mo namalayan na ilang oras na ang nawala sa araw mo.

Being a freelance professional or a remote worker still requires professionalism at a certain degree. Isa na rito ang pag-deliver ng output on time o according sa napagusapan nyo ng client mo na deadline. Hindi rin maaaring maging buzzer beater sa pag-submit ng deliverables dahil ang mako-compromise ay ang kalidad ng iyong output.

Take remote working or freelancing as if it is your own business. Technically, your freelance or remote work is your business. If you want it to flourish, kailangan may sarili ka ding work ethics to make sure na it will sustain you in the long run.

 

Ako ay nagsimulang magtrabaho bilang isang remote worker noong 2017. Ang transition ay hindi mahirap if you already know what to expect based sa mga nakalap mong impormasyon through your research. Also, kinakailangan ding masigasig ka sa paghahanap ng mga bagong opportunities. But I can assure you na there are a lot of opportunities out there to those who plan to venture in this kind of work setup.

Mahalaga lang talaga na ready ka din to make the sacrifices and exert every effort that you can dahil gaya din ng pagiging isang office employee, hindi rin madali maging isang remote worker. In my case, napaka-suitable ng set up na ito because I can make my own schedule. Mainam ito sa sitwasyon ko ngayon kung saan marami akong kailangang gawing extra tasks kasama na ang pagtulong para sa isang family project.

Lahat tayo may kanya-kanyang priorities but in the end, it is up to us how we are going to manage them. Kung ikaw ay matagal nang nagiisip kung ang remote working ba ay para sa’yo o hindi, I hope this article helped you decide one way or the other. 🙂

Whatever you do, work at it with all your heart, as working for the Lord, not for human masters…” – Colossians 3:23

“May the favor of the Lord our God rest on us; establish the work of our hands for us— yes, establish the work of our hands.” – Psalm 90:17

“You will eat the fruit of your labor; blessings and prosperity will be yours.” – Psalm 128:2

“Those who work their land will have abundant food, but those who chase fantasies have no sense.” – Proverbs 12:11

“All hard work brings a profit, but mere talk leads only to poverty.” – Proverbs 14:23

“Give generously to them and do so without a grudging heart; then because of this the LORD your God will bless you in all your work and in everything you put your hand to.” – Deuteronomy 15:10

Praying all the best for you as a remote worker,

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freelancer

Be Protected as a Freelancer

(Photo credit: StockSnap)

Since I have given you opportunities about doing remote work, teleworking, telecommuting including freelancing, I believe it is also my responsibility to provide a list of websites from my research on how to protect yourself should you decide to be a freelancer aside from having your full-time job.

I found these articles very helpful. But just in case I encounter similar problems in one of my (future) freelancing stints, I believe I would need to sit-in in one of the Torts and Damages classes of my brother-in-law who is an Assistant Professor at the University of the Philippines (Diliman) College of Law. 😀 He used to work as a company lawyer for Baker and Mckenzie, a multi-national law firm, and it would indeed be a privilege to learn from him given the opportunity. 🙂

The following are the articles which you could read if you are a freelancer or just planning to become one:

However, if you’ve already experienced any drawback from your freelancing stint though you did the right thing, took the necessary steps, and followed the agreement, don’t be discouraged but take this verse by heart:

“Nothing in all creation is hidden from God. Everything is naked and exposed before His eyes, and He is the one to whom we are accountable.” – Hebrews 4:13

Just pray, let go, and let God take the lead from there. The battle is not yours anymore but His to take. Be fearful of God and not of men – let God be the judge and be the one to give justice. 🙂