There is a certain kind of excitement, mixed with a little bit of fear, that comes with your child’s first day of school. For us, it started the moment we found out Aquil was finally old enough for kindergarten.
I remember feeling proud and nervous at the same time. Proud kasi grabe, how fast he has grown. Nervous kasi we only have one generating income, and I already knew there would be extra expenses coming our way.
Enrollment came first. School fees, uniform, school bag, shoes, books, all the little requirements na parang wala nang katapusan. We planned it out carefully, made sure everything was covered before the first day, and honestly, seeing Aquil in his uniform, excited and nervous just like us, made every peso feel worth it.
But that was just the beginning.
The Everyday Reality Nobody Warns You About
What I didn’t expect was how enrollment was really just a one-time thing. What followed after was every single day. Baon, pamasahe, snacks. Sometimes a little extra for school activities we didn’t see coming. Multiply that by every school day, every week, every month, and it slowly added up in a way na hindi mo namamalayan until you check your budget and feel the pinch.
Daddy Tum and I talked about it a lot. Cutting back here and there wasn’t going to be enough anymore. We needed something bigger. We needed an actual second income, not just a tighter budget.
So we decided to start a small business, a consumer goods trading business. Things people need and buy regularly, like office supplies, personal protective gear, camping supplies, appliances, consumables, and more. It felt like something we could realistically manage, kahit paunti-unti pa lang muna, kasi we both know how busy our days already are with work and with Aquil.
The only problem was capital. Starting even a small trading business needs money upfront, and we simply didn’t have it ready.
Before deciding to take out a loan, Daddy Tum and I sat down and looked at our finances. We asked ourselves if this was something we could realistically repay and whether the business could eventually help cover the monthly payments. We also agreed that if we were going to borrow, it had to be for something that could improve our financial situation over time, not just cover today’s expenses. Once we felt confident about the numbers, we decided it was a step worth taking for our family’s future.
Buti Na Lang, Mabilis Mag-Loan sa Maya
I’ll be honest, I used to be hesitant about taking out any kind of loan. I always imagined it would mean long lines, piles of paperwork, and a process I wouldn’t fully understand until it was too late. But someone mentioned Maya Personal Loan to me, and out of curiosity, I decided to check the app myself.
What surprised me was how simple the whole thing felt. No long lines, no stack of documents to submit in person. Everything, from application to approval, happened right there on my phone. That was the moment we decided to get a loan and finally put our plan into motion.
With Maya Personal Loan, you can borrow as much as 400,000 pesos, which is more than enough room for anyone looking to start or grow a small business. It also comes with up to 48 months to pay it back, so your monthly payments can be something you actually plan around, instead of scrambling every payday.
Watching Something Small Slowly Grow
We used the loan to buy our first batch of goods. No overthinking, no guessing, just items we knew people needed regularly. Slowly, order by order, delivery by delivery, the business started to take shape.
I won’t pretend it happened overnight. There were slow weeks, and weeks where I wondered if we made the right choice. But little by little, the extra income started covering exactly what we needed it for, Aquil’s baon, his pamasahe, and all those small daily expenses that used to keep me up at night doing mental math.
There is something quietly emotional about watching our own effort turn into something that helps our family breathe a little easier. Every sale felt personal. Every repeat customer felt like a small win. And every time I handed Aquil his baon in the morning without worrying if there would be enough left for the rest of the week, I felt genuinely thankful we took that step.
Was It Worth It?
Looking back, YES, COMPLETELY. That personal loan wasn’t just about surviving a tight month. It became the push we needed to build something that could actually support our family in the long run.
If you are in that same spot right now, one income, a child starting school, and a growing feeling that your budget just won’t stretch far enough, I understand how scary it feels to even consider taking out a loan. I felt exactly the same way.
But sometimes, moving fast is exactly what you need, before a small problem turns into a bigger one. And when it comes to that, mabilis talaga mag-loan sa Maya, walang mahabang pila, walang maraming papeles, just an app that actually gets you the funds when you truly need them.
Just remember to borrow responsibly and pay on time. Treat it as an investment in something that moves your family forward, not just a quick fix. For us, it grew into a small business that now genuinely helps carry our family’s everyday needs, and that, more than anything, made all the difference.
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