About  Me

Welcome Aboard, Fellow Seafarers’ Wives!

Ahoy there! I’m Khorry, and I am delighted to extend a warm and sincere welcome to you here at “Mom on Watch.” As the person behind this blog, I’m excited to connect with all the strong and amazing seafarers’ wives out there.

My Family

This is my beautiful family that inspires me to always be intentional and to give my best in everything I do. I am a blessed wife to my loving husband, Victor, and a proud mom to my two cute little ones, Ate Belle and Bonbon.

Just like you, I have a lot of roles to perform each day. I am a wife, mother, daughter, sister, friend, leader, boss, mompreneur, employee, and most importantly, servant of Christ. Of course, it is such a great honor and joy to be in all of these hats. But let us just be honest Momshies, there are also times that these roles can become so overwhelming. There are times that I find myself doing a lot of things at the same time but actually finishing nothing.

So, it is my goal for me this year, to eliminate overwhelm and become intentional in everything I do.

About Mom on Watch

I started this blog to document our journey and to be accountable for our decision to really make our way out of debt fast. Since it is our goal to build our own dream house for our growing family, we finally decided to pay off all our debt so we can start saving for our house and our children’s future.

Our Debt

Our debt was mostly composed of things that we or should I say, I ( since mostly it was me) did out of stupidity. Some people may regard it as good debt since the loans and credit cards were used to fund our business but it was still a debt. At the end of the day, we will still be forced to settle and make payments for it. During that time, we were not really getting enough returns from our business to compensate for the interests incurred by the loans and credit cards.

When we decided to pay off all our non-mortgage debts at the start of 2018, we had a total of P 1,065,000 remaining balance not including the interest. Below was the breakdown of these debts.

  1. BDO Car Loan – P 65,000 remaining balance
  2. BPI Personal Loan – P 85,000 remaining balance
  3. Citibank Credit Card –P 90,000 remaining balance
  4. BPI Credit Card (Mine) – P 98,000 remaining balance
  5. Citibank Personal Loan 1 – P 175,000 remaining balance
  6. BPI Credit Card (Hubby)-  P 167,000 remaining balance
  7. Citibank Personal Loan 2 – P 395,000 remaining balance

Every month was a struggle for us to make the ends meet. Many things were cut out of our budget ever since. Momshies, ang sakit sa ulo at sa dibdib!

I was so eager to get rich quick that I was not using wisdom and knowledge at that time. My actions boomeranged to me and my family.

The bible is always right.

“Wealth from get-rich-quick schemes quickly disappears; wealth from hard work grows over time.” – Proverbs 13:11

I am blessed that God humbled and disciplined us especially me, though it was really a humbling experience. I know so much better now; been there and done that! I will not go back. Never again that I will borrow money from loans and credit cards just to immediately gratify myself and keep up with others. Late gratification is one of the keys to financial independence.

“But consider the joy of those corrected by God! Do not despise the discipline of the Almighty when you sin.” – Job 5:17

The Goal of this Blog

It has been 3 years now since my husband and I made that decision to get out of debt and be financially free. We worked doubly hard, did our research, and made efforts to take control of our finances. Today, to God be the glory, we paid all our debt worth P 1,065,000 (actually 1.6 M plus including the interests) and it is now my turn to pay it forward.

This blog is dedicated to you – the unsung heroes who bravely hold the fort while our husbands are away at sea. It’s a place where we can come together, share experiences, and support each other through the ups and downs of this unique journey.

Here, we’ll explore topics that matter most to us – from managing the home front to nurturing our families, and from embracing self-care to strengthening our faith. Together, we’ll find inspiration, encouragement, and maybe even a few shared laughs along the way.

It is also the goal of this blog to glorify our faithful God who is our source and the reason why my family is still standing strong today.

So, fasten your seatbelts, and get ready to set sail on a meaningful adventure. Your presence here means the world to me, and I can’t wait to get to know each one of you better.

Feel free to explore the blog, share your stories, and join the conversation. This platform is for you, and I’m here to listen and learn from each other.

Thank you for being a part of “Mom on Watch.” Together, let’s navigate the seas of life with courage, grace, and the unwavering support of one another.

Don’t forget to like Mom On Watch PH on Facebook. Subscribe to this blog and our YouTube channel if you don’t want to miss a post on faith, family, and finances from me each week. I promise that I will not spam you with emails and your information will not be sold or shared.

If you have any question that I can help you with, feel free to leave me a note below. I would love to help you in the best way I can.

Fair winds and smooth sailing,