You can think of the beginning of December. Why all the late or even last-minute Christmas shopping? Why the Christmas shopping craze on CHRISTMAS EVE? If you're planning to celebrate Christmas Eve then shouldn't everything be PREPARED for Christmas Eve? Some people would rather wait for their 13th-month pay rather than learn to budget whole-year round. What do you expect from people who would rather have a lavish eat-out on payday rather than learn to budget it for necessities? I many not like Rappler (due to Maria Ressa) but they're actually speaking truth revealing that majority of Filipinos have no bank account! A bank account requires a minimum of PHP 10,000.00 to maintain it, right? But how can they maintain it if they spend more than they save? That would explain why all the late last-minute shopping for both Christmas and New Year.
I could consider the whole gift-buying to be a reason why many get broke after Christmas. Why are we buying gifts that we can't afford? Christmas bonus and 13th-month (and maybe we should include OFW remittance) aren't enough? The solution would be probably getting money from a five-six lender. Why would they want to get gifts that they can't afford? They could have given a decent Samsung smartphone but why did they decide to get an i-Phone X at the cost of their ipon? They could have bought less expensive toys but no - they had to have the most expensive toys. I guess it has to do with the whole mentality to equate lifestyle to wealth. They think that wealth is determined by the number of stuff you own and not the amount of money you have. Just imagine me being called "poor" because I didn't' have a Super Nintendo then they started WAAAAHIING when the Playstation first came out. Then I remembered how some people prioritized buying the now dead Dreamcast and a Playstation 2 but failed to pay their electric bills!
There's also the problem of how the parties are carried out. I think about it if you can't afford a big party then learn to celebrate small. Unfortunately, there's the fiesta mentality that's keeping people poor, right? I could remember having impoverished neighbors who would even hire music bands. The funny thing is wealthy businessmen invited their employees for a Christmas party (and some of them have a New Year Party) that didn't last until morning. The impoverished celebrated until morning. The band even played for that long. I wonder how much did they pay the band to play that long? Boy, I would hate to see the bill that the band would eventually charge those who hired them to play until morning! That's just the start of the woes because there's still the New Year celebration, right?
Christmas party is over and maybe the Christmas bonus, the 13th-month pay, OFW remittance, and loan are already consumed. The problem aggravates because is it me or have fiestas become so mandatory to the typical Filipino setting? I mean, why are some people thinking barrio fiestas are that important that they sacrifice their work and business in the process? It reminds me of how Tomas Mascardo chose to leave the battlefield to attend a fiesta in the movie Heneral Luna. The solution is to probably look for another creditor. If one five-six lender isn't enough then another will be available, right? They would probably loan that much money for firecrackers (and probably end up in the hospital), another band to play until the dead of night, and whatever nonsense they don't need. This would end up in another extra burden because they haven't even settled their Christmas burdens yet.
I'd really love to see their faces when they see that they've got NEGATIVE EARNINGS. Yup, their festive mentality just kept them poor. They say fiestas help them forget their problems. Instead, it aggravated them more yet they repeat the same foolishness OVER AND OVER AGAIN!
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