Nestor and Razel
Saving Up For A Brighter Future
Nestor and Razel Gicaraya are the first to admit that they are not perfect parents. But the story of their commitment to finding a way to give their child a brighter future speaks volumes about the kind of “Papa” and “Mama” they are.
As a self-made man who struggled with several jobs to put himself through school and become a teacher, Nestor Gicaraya knows you can’t put a price on education.
He and his wife Razel, also a Math teacher, were still financially supporting their respective families when their first child Gizel Mae was born. With several mouths to feed plus a newborn baby, providing for their family was definitely not easy.
However, they knew they had to start planning for Gizel Mae’s future. So they approached their Philam Life Financial Advisor Nanette Arteta, who suggested that they get Scholar Gold, an education and life insurance plan-in-one from Philam Life that will provide semestral benefits for Gizel’s college education.
At first, the premium seemed quite steep.
“We thought we couldn’t afford to give our daughter a good education. But my wife and I wanted nothing more than to instill in our daughter a burning love for learning. That alone was all the encouragement we needed to work hard and make ends meet,” Nestor shares.
Nestor and Razel put their math expertise to good use and computed the cost, working out that they needed PhP36.30 a day to be able to afford payments. The amount didn’t feel like a sacrifice but an investment towards their daughter’s future.
They each set aside PhP18.15 everyday and with loving dedication, were able to complete payments in five years, even before Gizel Mae started pre-school.
With careful planning and wise spending, Gizel Mae’s college education is already assured.
So what does Nestor want to share with parents who face the same predicament?
“Share the burden,” Nestor advises.
“I am lucky to have a wife who supported me and was right beside me every step of the way. But if you are a single parent, do not worry. Pray! And plan. A bright future isn’t made overnight. You have to plan ahead. And prepare for it.”
Indeed, when you have the right plan, your children can only look forward to brighter things ahead.
If, like Nestor and Razel, you too are a Philam Life plan holder or beneficiary and somehow your plan was able to protect your future or help your dreams come true, tell us your story and empower others too.
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