Coming home after working abroad as an OFW (Overseas Filipino Worker) is a big deal. It’s not just about the money you’ve saved; it’s also about your feelings, your family, and starting a new chapter. This article will help you understand those feelings and make your homecoming smoother.
Why Homecoming is More Than Just About the Money
We often think of OFWs as heroes who send money home to support their families. And that’s true! But when it’s time to retire and come home for good, it’s not just about the money. It’s about leaving a life you’ve built, saying goodbye to friends, and adjusting to a new (or rather, re-adjusting to an old) life back home. For many OFWs, the emotional transition back to the Philippines is just as important, if not more so, than the financial aspect. It’s a journey of rediscovering yourself and your place in your family and community.
The Emotional Rollercoaster: What to Expect
Imagine this: you’ve been away for years, maybe even decades. You’ve missed birthdays, graduations, and everyday moments with your loved ones. You dream of coming home, but the reality can be different from your expectations. You might feel a mix of happiness, excitement, relief, and even a little bit of fear. This is normal!
Some OFWs experience what’s called “reverse culture shock.” This happens when you return to your own culture and find that things have changed. Maybe your family has different expectations of you now. Maybe your hometown isn’t how you remember it. It’s like being a foreigner in your own land.
Another common feeling is guilt. You might feel guilty for being away for so long, for missing important events, or for not being able to provide more for your family. It’s important to remember that you did what you did for your family’s well-being. Acknowledge those feelings, but don’t let them consume you. Talking to a friend, family member, or counselor can help you process these emotions.
Family Dynamics: Navigating Relationships
Family is a big part of Filipino culture. When you come home, you’re not just coming home to a house; you’re coming home to a family. And family relationships can be tricky, even without the added stress of years apart. Let’s explore what problems might exist or arrive after your arrival.
Managing Expectations: Your family might have certain expectations of you now that you’re back. They might expect you to provide financial support, take care of elderly parents, or be more involved in family affairs. It’s important to have open and honest conversations about these expectations. Explain your financial situation, your plans for the future, and your limitations. Don’t be afraid to say no if you can’t meet their expectations. Setting boundaries is crucial for your own well-being and for maintaining healthy relationships.
The Role of Your Spouse and Children: If you’re married, your relationship with your spouse might need some adjustment. After years of being apart, you might have different perspectives on things. Spend time reconnecting with your spouse, talking about your dreams and goals as a couple. Remember that communication is key. The same goes for your relationship with your children. They might be older now, with their own lives and interests. Try to understand them, listen to their concerns, and rebuild your connection with them. It’s about building a new relationship based on mutual respect and understanding.
Dealing with Extended Family: Filipino families are often closely knit, with strong ties to extended family members. You might find that relatives expect financial assistance or favors from you. While it’s important to help your family, it’s also important to protect your own resources. Learn to say no politely but firmly. You can offer help in other ways, such as providing advice or emotional support. Remember, you’re not obligated to solve everyone’s problems.
Financial Planning: Making Your Money Last
Of course, money is still important. You’ve worked hard for it, and you want to make sure it lasts. Now is the time to revisit your planned investment. Here are some tips for managing your finances:
Create a Budget: Knowing where your money is going is the first step to financial security. Track your income and expenses. Identify areas where you can cut back. Having a budget will help you stay on track and avoid overspending.
Invest Wisely: Don’t put all your eggs in one basket. Diversify your investments to reduce risk. Consider different options, such as stocks, bonds, mutual funds, and real estate. But do remember that there is no high return and low risk investment. Consult with a financial advisor to create an investment plan that suits your needs and risk tolerance. It is also wise to know about various scams and how to avoid them. Always conduct thorough background research before signing over hard-earned funds.
Start a Business: Many OFWs dream of starting their own business when they retire. That is great! But before you invest your life savings, do your research. Identify a business opportunity that you’re passionate about and that has potential for success. Create a business plan, and be prepared to work hard.
The Small Business Corporation (SB Corp), an attached agency of the Department of Trade and Industry (DTI), provides financial assistance programs tailored for micro, small, and medium enterprises (MSMEs) in the Philippines. You might also consider a franchise investment of established brands.
Beware of Scams: Unfortunately, there are people who prey on unsuspecting OFWs. Be wary of investment schemes that promise high returns with little or no risk. Don’t give money to anyone you don’t trust. Protect your personal information, and be careful about sharing your bank details online.
Finding Your Purpose: Creating a Fulfilling Life
Retirement isn’t just about stopping work; it’s about starting a new chapter in your life. This is a time to pursue your passions, explore new hobbies, and spend time with loved ones. What activities do you love? What have you always wanted to try? Now is your chance! Here are some ideas:
Volunteer: Giving back to your community is a great way to find meaning and purpose. Volunteer at a local school, church, or charity. You can use your skills and experience to make a difference in other people’s lives.
Learn Something New: Keep your mind active by learning a new skill. Take a cooking class, learn a new language, or try your hand at painting. There are many online courses and workshops available that can help you expand your knowledge and skills.
Travel: Explore the Philippines! There are so many beautiful places to see and things to do in our country. Travel with your family, friends, or even on your own. Discover the beauty of your homeland.
Start A Hobby: Many things could be done once you arrive home! Starting a garden, joining a choir, or playing music are just among the few hobby options available! If you love working out, then starting a Zumba club or a walking group are some options to explore. This could also be a great avenue to meet new friends.
Building a Support System: Connecting with Others
Coming home can be isolating, especially if you’ve been away for a long time. It’s important to build a support system of friends and family who can help you through the transition. Connect with old friends, join local organizations, and attend community events. You’re not alone in this journey.
Look for OFW support groups or online communities where you can connect with other returning workers. Sharing your experiences and connecting to people with similar backgrounds can help you feel less isolated. You can share tips and tricks and provide mutual assistance.
Preparing for the Future: Estate Planning and Healthcare
Planning for the future is essential, especially as you get older. Here are some things to consider:
Estate Planning: Make sure you have a will and other legal documents in place to protect your assets and ensure that your wishes are carried out. This is a crucial part of family legacy.
Healthcare: Access to healthcare is vital. Register with PhilHealth. If you have a private health insurance coverage you might want to check and revisit the policy details. Learn more about PhilHealth benefits. Plan how to fulfill your healthcare needs as you grow older.
Long-Term Care: Consider long-term care options, such as assisted living or nursing homes. Plan for how you will pay for these services if you need them in the future. Having insurance to cover for such is very helpful in the long run.
The Importance of Mental Health
We’ve talked a lot about the financial, family, and practical aspects of coming home. But it’s important not to forget about your mental health. Adjusting to a new life after years of working abroad can be stressful and overwhelming. It’s okay to ask for help if you’re struggling.
If you feel overwhelmed, anxious, or depressed, talk to a mental health professional. There are many therapists and counselors in the Philippines who specialize in working with OFWs. You can also reach out to support groups and online communities for help.
Celebrating Your Achievements: You Deserve It!
Remember, you’ve worked hard and sacrificed a lot for your family. You deserve to enjoy your retirement and celebrate your achievements. Don’t be afraid to pamper yourself, indulge in your hobbies, and spend time with loved ones. You’ve earned it!
FAQ Section
What is reverse culture shock, and how do I deal with it?
Reverse culture shock is the feeling of disorientation and discomfort that you may experience when returning to your home country after living abroad for a long time. It happens because you’ve changed, and your home country may have changed too. To deal with it, be patient with yourself, reconnect with old friends and family, explore your hometown, and focus on the positive aspects of being back.
How do I manage my family’s expectations when I come home?
Open and honest communication is key. Talk to your family about your financial situation, your plans for the future, and your limitations. Set boundaries and don’t be afraid to say no if you can’t meet their expectations. Remember that you’re not responsible for solving everyone’s problems.
Where can I find financial advice for OFWs?
There are many financial advisors in the Philippines who specialize in working with OFWs. Look for reputable advisors with a proven track record. The Overseas Workers Welfare Administration (OWWA) also offers financial literacy programs and counseling services. You may also want to check online resources like the Bangko Sentral ng Pilipinas (BSP) website for information on financial literacy.
I feel guilty for being away from my family for so long. What should I do?
It’s normal to feel guilty for being away from your family. Acknowledge those feelings, but don’t let them consume you. Remember that you did what you did for your family’s well-being. Spend quality time with your loved ones, rebuild your connections with them, and focus on creating new memories together. A therapist or counselor can also help you process these feelings.
How can I find a support system when I come home?
Connect with old friends, join local organizations, and attend community events. Look for OFW support groups or online communities where you can connect with other returning workers. Sharing your experiences from home and abroad and connecting to people with similar backgrounds can help you feel less isolated.
What are some good investment options for OFWs?
Investing in real estate, stocks, bonds, mutual funds, and starting a business are some options for OFW’s. However, it’s important to diversify your investments to reduce risk. Consult with a financial advisor to create an investment plan that suits your needs and risk tolerance. Be wary of investment scams that promise high returns with little or no risk.
References
Overseas Workers Welfare Administration (OWWA)
Bangko Sentral ng Pilipinas (BSP)
Philippine Statistics Authority (PSA)
Small Business Corporation (SB Corp)
Your journey as an OFW has been a long and challenging one. You’ve worked hard, sacrificed a lot, and made countless contributions to your family and our nation. Now, it’s time to focus on yourself and build a new life back home. Embrace the opportunities, face the challenges with courage, and remember that you are not alone. Your homecoming is a celebration of your resilience, your love, and your unwavering spirit. So, take a deep breath, open your heart, and welcome this new chapter of your life with open arms! Enjoy your well-deserved rest and the company of your loved ones.
