Daily OFW Financial Guide – April 10, 2025

📊 FI Peso Watch – Exchange Rates

Source: XE.com
Rates as of April 10, 2025

💡 FI Tip of the Day

“Talk About Money with Love, Not Shame.”

Many OFWs avoid conversations about finances with their family because of fear, guilt, or pressure. But silence creates confusion—and openness creates peace.

💬 Money talks can be tough, but they don’t have to be toxic. Speak with respect, not resentment.

💼 Day 6: How to Talk About Money with Your Family

You send money out of love—so you deserve to talk about it in a healthy way. Here’s how to start meaningful conversations about finances with your loved ones back home:

💬 Start With These 3 Steps:

1. Set a “Money Talk” Schedule
   Once a month. Calm setting. Everyone prepared.
2. Use Neutral, Clear Language
   Say: “Let’s plan together” instead of “You’re spending too much.”
3. Talk About Goals, Not Just Problems
   Dream together: House? Business? Education fund? Let your padala serve your purpose.

💡 Bonus Tips:

• Don’t wait for conflict to start the conversation.
• Share your budget too—build trust with transparency.
• Use apps or templates to make it visual and simple.

💬 When your family is part of the plan, they’ll be part of the progress.

🔜 Tomorrow (Day 7):

Building a Long-Term Financial Plan as an OFW – Turning daily habits into a legacy.

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