The D word

DEBT. It’s a word most of us fear and work hard to never ever meet in our lifetime. And for those who find themselves carrying the yoke of financial debt, I can imagine how the weight of this burden can tire you physically, emotionally, and mentally. It’s like carrying a big elephant on your back, 24 hours a day. Of course, there are some who incur debt because of irresponsible life choices, unwise investments, or living beyond their means..and for these people, being in debt is actually a product of poor stewardship. But I know many good and hardworking people who are in debt because of inevitable circumstances, to put it simply—LIFE IS HARD and the only way to cope is to borrow money. Fathers borrow money every day just to send their kids to school, mothers borrow money just to pay the rent, brothers borrow money just to pay for their sibling’s hospital bills. In most cases, DEBT is also a product of love in sticky situations.

When a guy proposes, the first thing a newly engaged couple does is check the venue for their wedding, or meet with a wedding coordinator, or schedule a visit with a designer. Not for us though. We’re far from conventional. When Patrick and I got engaged, the first thing we did was to open a joint Sun Life Insurance Policy. Yes, how romantic! Hahaha!
Both Patrick and I come from middle class families, we don’t have haciendas and huge tracks of land to collect money from each month. Our parents work and we work too. You see, my hubby to be is very prudent and practical–just like his mother and father. And since my parents are equally sensible with their finances too, it seemed like the perfect way for us to honor both our parents by being good stewards of whatever blessings we have. It’s our way of showing to them that we can now take care of ourselves as husband and wife.

We met with a Sun Life agent in a restaurant–filled up a few forms and signed a couple of checks. Our Sun Life advisor was very thorough, she explained all the little details for us in lay man’s terms. She even advised us on how to go about a plan that is flexible, especially since Patrick and I are both freelancers. I’ll admit I was a bit hesitant at first because I felt trapped by the idea of having forced savings! But after understanding all the long term benefits, now I feel great knowing that our money has been set aside (and growing!) for our future and that we both have an insurance policy that will take care of us in the years to come. 

Sun Life Financial rolls out the red carpet for SUN SHORTS, a collection of digital films that shines the light on the value of love, family, friendship, foresight and a positive outlook in life. 

SUN SHORTS is Sun Life Philippines’ installment of a regional short film project called Experience the Sun, which is a collaboration between Sun Life Financial and film makers in Hong Kong, Indonesia and the Philippines. The project brings to life the power and beauty of the Sun through the eyes of top directors across the region. SUN SHORTS is an extension of this venture, made specifically for the Philippine audience. SUN SHORTS features five Filipino filmmakers sharing their interpretations of how life is brighter under the Sun.

Up and coming filmmaker Nic Reyes follows the travails of a young man whose penchant for “quick fixes” led him into tight-hole situation and finds enlightenment and redemption from a surprising character in the action-packed “The Debt.” Multifarious artist Jerrold Tarog (Senior Year, Nino, Shake Rattle and Roll, Aswang) lets his “Sun Dance” pump up the beat of friendship that empowers three young women to tackle life’s ebbs and flows with grace and elegance. These shorts show how much friends bring the brightness of sun into our lives.

I still worry from time to time. Worrying is my most disgusting habit. And when I feel consumed by “what-if-this-happens” and “who-will-take-care-of-this”, I just talk to Patrick and he always comforts me by reminding me that God will always take care of his children. Matthew 6:25-27 “Therefore I tell you, do not be anxious about your life, what you will eat or what you will drink, nor about your body, what you will put on. Is not life more than food, and the body more than clothing? Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they? And which of you by being anxious can add a single hour to his span of life?” O nga naman, the birds look happy tweeting away each day! So for everything else that’s beyond your control, surrender it to the Lord..yet at the same time–be proactive, make wise investments and prepare for the uncertain! 

This post is brought to you by Sun Shorts. Sun Shorts digital films are produced by Sun Life Financial Philippines in collaboration with Unitel Pictures and supported by Star Magic, Cinema One and Sun Life Foundation. For more information and updates, visit .

2 Responses to The D word

  1. My husband and I (newlyweds- married for 7 months now) also got a Flexi-plan with Sun Life. I really appreciated your blog post since I can relate with “being in ‘D’ because of love”

    Here’s to a better, brighter and more secure future!

  2. Hi Patty, Glad to know that you and your hubby is taking care of your hard earned money with the help of Sunlife. It is great your preparing for your retirement fund.
    You can check also Pesos and Sense for more longterm investing :). Currently we invest more in stock market and mutual funds.

    God bless you blog..

    Pretticel 😉