There is a lot of hoopla going on about SALN (Statement of Assets, Liabilities and Net Worth; read as Sal-N) due to the recent impeachment trial of our Chief Justice. Apparently, there was a considerable amount of assets not declared in his public documents and as a public official that is a no-no.

This got me thinking. Hey, what about my own SALN? I’m 28 years old and I’ve been working for six years now. Surely, I must have some form of assets. Well, it took me a grand total of 2 minutes to finish my SALN. And for the record, here it is:

Assets ———————– Zero. Zilch. Nada.

less: Liabilities ————- PHP 15,000 more or less. More on the more.

Net Worth —————— Ineligible for motherhood. Not to mention public office.

Yes, it’s bleak. I have no savings whatsoever. I am a spender. I have some “”properties” which are of no value  if you consider how much I can sell them for like books, shoes, kitchen ware. If I had an emergency, I’d be in deep shit.

I did try having some kind of savings scheme before. But there was always some new things to buy, places to go, adventures to try, lessons to take. And old habits die-hard. Not an excuse I know, but there it is. I swear I will try harder this time. I’ll start by setting up an emergency fund for me and the baby.

That said, I do think that money is not everything. True, that’s a line said frequently by the poor and since I am poor, it’s one of the mantras I live by as well.

I may not be able to go to the spa or buy new stuff for my closet regularly, but i have this one little gift…

She makes me richer than most people I know. She gets me through every single financial nightmare I encountered. That is good enough for me.