Hello Sunshine.

Madami akong nai encounter sa mga FB groups about tipid living and how to be frugal.  Saludo ako on how they manage their finances amidst the limited income.

Me and my family been struggling financially.  Kahit noong 2 pa kami nag nagtatrabaho sobrang wala kaming ipon and naipundar.  DI rin kasi kami mahilig magbenta benta on our day off.  Priority namin ang pahinga since on our day off anjan na nakatambak ang labada, maglilinis ng bahay, mamamalengke at of course magpahinga.  Siguro sa iilan ginagawa nilang night ang day at mostly sa kanila ay di na nagpapahinga.  Sa type ng work namin hindi pwede na hindi ka matutulog ng 6 hours or more kasi mahirap ang trabaho.  Katawan mo naman ang magbabayad neto later on.

Sometime nga sleep deprive pa lalo nung maliit pa lang ang anak namin.  Wala kaming yaya or kasambahay.  Kami kami lang juggling work, house chores and parenthood.

Ngayong pandemic we are solely dependent of single household income.  Sometimes sumasideline ako para magkaron ng pandagdag.  So san nga ba napupunta ang pera namin.

I know madami sa inyo magsasabi na pag aralan ang mga insights ni Mr. Chinkee Tan.  Pero if your resources are limited how are you going to manage?  Yun iba sasabihin magdagdag ng extra income stream? Do you mind if I ask how?  Mag online seller? Saturated na eto and some of them ay natetengga lang ang tinda and not getting the returns.  Mag sari-sari store?  Puro utang yan sa lugar namin.  Magtinda ng kakanin?  Lahat na yata ng household dito sa lugar namin may sariling tinda.  Mag ice candy? Yun mga bata naumay na.

Sa panahon ngayon a decent income to survive daily should be 25k.  What if we fall below that line?  The minimum is at P15k.  How are we going to survive having that much only?  Where ang lahat ng food commodities nagmamahalan?  Hindi naman pwede mag delata at mag noodles na lang palage or our health will suffer.

So tell me mga Sunshine how do you do it?  Kasi ako hindi ko magawa.  I wish I can save for the rainy days pero bago pa man magsweldo ay petsa de peligro na.🥺 

 

Yun iba nakakapagpundar ng bahay, sasakyan at munting negosyo.  I wish ako rin.  Kami rin.. But how?

 

#struggles

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Hello mga Inay.

I am looking forward to the day that I will achieve Financial freedom.  This is not an easy journey and achieving this kind of goal is very hard to achieve especially if you are like me, I am depending on a sole income alone.  This will take time.  Hard work will be my buddy but I will not depend on it. I am hoping for a bit of sheer luck along the way.  And by God's grace I will attain my hopes and aspiration in life.

Almost all people work hard and mostly they are not reaping their worth.  Because the big bosses are greedy and they only want to be the one who is on top of the food chain.  While the poor employee gives his own blood, sweat and tears and just received a fraction which is barely enough to provide for his family.  These people are looking for options and they are dealing with this everyday, but not every body gets out of this predicament.

I want to be my own boss.  I do not know how will I do it.  It is like turning my life around in a 360 degree.

Possibilities are endless but my resources is just limited. Oh well.  

For someone out there who attained Financial Freedom please share us some tips.  I want to be just like you.

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Hello mga Inay.

I recently signed up at Klook Travel because I am booking a trip to Kidzania Manila.   I was looking for an affordable price online  even on their main website the price is kind of steep.   When I found out that Klook is affiliated with my favorite Shopback I immediately signed up.  If you do not know Shopback it is a great website which offer rebates on your purchases online. After you accumulated P200 worth of rebates you can withdraw it in your bank.  If you are interested please click here.  No sign up fee.  For my payment proof please refer here.


I purchased Kidzania Tickets for P4400 and I've got a rebate at around P80 through Shopback this is what I call double whammy.  If I purchased this through their website well I will not get anything at all. 


As for Klook it is a website which offers a ticket for some attraction tour not only here in the Philippines but some part of Asia.  The good part is that they are tied up with my favorite shopback which offers great rebates from almost all online transactions.   Can you imagine my excitement??For those of you who are not familiar with Klook it is a website which offers booking for travel, food, attractions that offers great discount.   It is mainly the website for anything and everything you need. 

As per shopback I can get 3% rebates out of my purchase.  Not bad at all.  I earned P80 just for getting a ticket from them,  I am telling you no one in this world will give u a cent out of your purchases except Shopback.

When I signed up from Klook and found out they are offering affiliate program.  I never hesitated because I am a proof that all my transaction with them is smooth and clear.  I am supporting their website by posting my affiliate link here and who knows I might earn from them in the future.  Crossing fingers.

By the way the best part about Klook is they are giving great discounts off for your travels, tours and site recreation.


Rewards
I am giving away P150 when you signed up under me.  Please click KLOOK TRAVEL  
Do not worry joining is free.  And you can now choose what type of tours, site attractions you'd like.


Kayo mga Inay nasubukan nyo na ba magbook sa Klook?

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Hello mga Inay.

I am so happy because yesterday, I finally cashed out on my Shopback cashback account.  This is my 2nd time already and I earned P658.3.  This money is actually an incentive or rebates from my online purchases and I am very much delighted that through that purchases I was able to earn money.  Imagine that.

This is real and they did not ask me any money for membership or anything all I did was download their app and used it as a platform for my online purchases and they will give me rebates out of that purchases.

 Mga Inay do not expect that you will get rich through this.  The point is that you will get rebates or you can get a money out of your purchases.  This is not instant ha but at least you are getting something.  Unlike any other app that eats your money and you'll get nothing.

Payment through

BDO, BPI, Metrobank, Chinabank, Eastwest,  Globe Gcash, PNB, Security Bank, Unionbank, UCPB 

Withdrawable amount

Php200.00 minimum

Payment Proof

Mga Inay I am giving you a chance to get paid while you shop.  All you have to is is sign up here

Joining is free and if you have any questions please feel free to ask me.  I am enjoying a little bit of their perks.  Kahit papaano I have extra cash to splurge.  Oh di ba?

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Hello mga Inay.  

Almost all employee nowadays have an HMO card or health card aside from our Philhealth and it is really beneficial because we do not know (knock on wood) when do we need one.  I came across a post through social media about this and as I do my research I am more eager to get one.  Kasi alam  nyo naman mahirap kumita ng pera and pag kumuha ka ng HMO eh may kamahalan ang premiums nila aside from that I think mas maganda kung employed ka kasi mostly lalo na sa call centers sagot ng employer ang health cards nila.  Paano naman ang ibang sector?  Like Work from home moms, businessman, buy and sell and yun typical na Pilipino lang.  Ngayon meron na tayong maasahan.  Madami ng HMO company ang may prepaid kagaya na lang ng Philcare.



 I  am planning to get one as soon as I have the budget.

Alam naman nating lahat na magastos magkasakit kaya need nating mag-ingat talaga at need natin ng back up ika nga para sa sense of security.  Malaking tulong ang inooffer ng Philcare Prepaid Healthcare


PRODUCTS  
  Dengue Assist - Php 599.00
ER Vantage Plus 40 for kids - Php 2950.00 - covers P40,000 From ER to admission.
ER Vantage Plus 60 for adults - Php 1350 - covers P60,000 from ER to admission.


May mga inclusion na eto mga inay like laboratories, radiology board and lodging, doctors fee.  Basahin nyo lang maigi kung ano ang pinaka kailangan nyo bago kayo pumili.


Madami pa silang mga products and services na pwede pagpilian.  Bumista lamang kayo sa kanilang website.  Sa pagkakaalam ko pagkakuha mo ng napili mong plan ay magpapadala sila ng voucher sa iyong e-mail within 7days ay pwede na po etong magamit.  Take note po eto ay SINGLE USE lamang.  Napakamura na neto sa aking palagay.


Mga mommy hindi po ako binayadan ng Philcare pala i advertise sila.  Gusto ko lang malaman nyo na nagandahan ako sa produkto nila at balak kung kumuha ng medical insurance nila pag nakaluwag ako.  Mas makakasave ka kasi at hindi sasakit ang ulo mo when the time comes na you will need it.  Kung di mo naman magamit eto eh di salamat sa Diyos.  After a year na di mo magamit eh forfeited na ang bayad mo.


Ano sa palagay nyo mga Inay?  Maganda ba sya?

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Hello mga Inay.

Last night I come across QA World.  It is a website that offers side hustle on your convenient time.  They will send you a link where you can transcribe  an audio for a fee.  It is how you earn. You'll get paid after transcribing a conversation or something then they will rate you for that.  I said to myself maybe I can try this one.  Since some of the home based moms are raving about how good the pay out is.  I signed up and waited for a follow up e-mail.

This morning they sent me a test where I will transcribe an audio file.  It is a short one.  The clip is in English and it is an easy task but once you start transcribing, it getss very hard especially where to put the punctuation, capitalization and you have to watch out for the grammar.  

Unlucky me I did not make it.  Geez, money is really hard to earn.  Sigh.

To those of you who are dreaming of working from home you might want to try QA WORLD.  Who knows if these might be for you.  Joining is free.



QA World Online Transcription Requirements

 All you need is a laptop, a headphone and a good internet provider and once you get approved you'll get projects from them.  You are not even required to have an experience.  All they are asking is for you to pass the test before you can be qualified for the job.



QA World Online Test 

As what I've said, after registration they will send you an e-mail with the link on it.  Now you have to transcribe the call word per word.  You will be the one who will put punctuation so you should be careful especially on your grammar.  After submitting your test they will immediately send the test result.  You don't have to wait for so long.  And if you pass you can now start transcribing.  You can transcribe calls any time and anywhere and it is unlimited.  As long as there is calls to be transcribe you can work.  As you can see QA World Transcription is very flexible.

 

Payment/ Salary

Pay weekly through Paypal.  

Are you working with QA World?  Mind sharing your experience?

 

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 Hello mga Inay.

Naisip ko lang dapat imbes na kung ano ano ang idagdag at ibawas na subject sa eskwelahan eh ituro sa bawat estudyanteng Pilipino ang pagiging Financial Literate ng sa gayon ay matutunan nila kung paano mamuhay sa totoong mundo.

Bakit?? Para mag-iba ang mindset nila.  Lage lang kasi sinasabi sa atin mag-aral kayong mabuti at pag nakatapos kayo ng pag aaral ay makakahanap kayo ng maayos na trabaho.  Pero sa totoo lang marami sa ating mamamayang Pilipino ang nakatapos ng pag-aaral pero hindi naman maganda ang swelo.  Oo maayos ang trabaho pero ang sweldo.  Kagaya ko isa akong Nurse na nagtratrabaho sa isang pribadong hospital dito sa Maynila.  Maganda ang trabaho?? Oo naman.  Maganda ba ang sweldo?? Ahem..  Quiet na lang.

Isa lang din ako sa libo libong empleyado na tumatanggap ng minimum wage.  Akala nyo siguro porket Nurse, may lisensya ay mataas na ang sinasahod ko?  Naku po.  Isa pong pagkakamali yan.  Mas malaki pa or kapantay lang ng sahod namin ang saleslady at service crew.  Di naman sila nagtake ng board exam at iba sa kanila di nagtapos ng 4-5 taon sa kolehiyo tama po ba?  Di ko po sila minamaliit, yun sweldo lamang po ang maliit.

Ngayon balik tayo sa topic.  Mostly sa atin ay may tinatanggap lamang na minimum wage sa isang buwan at sa totoo lang hindi eto sasapat sa gastusin natin.  Kaya nga sabi ko sana may Financial Literacy na subject nung nag aaral ako para alam ko kung ano pa ang mga pwede kong pagkakitaan maliban sa trabaho ko.

Sa subject na eto pwedeng ituro sa atin ang budgeting, saving tips, extra income tips at pag set sa utak natin na huwag tyo umasa sa minimum lamang.

Medyo matanda na ako bago ko to natutunan.  Pero huli man daw at magaling eh makakahabol din.  Makakaraos din.  At matutupad ko din ang goal ko.

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Happy Valentines mga Inay.

Kumusta naman ang Valentine celebration nyo?

Kami nagspaghetti lang at syempre home made.   Tuwang tuwa ang mga fans ko dito sa bahay.  Lol.

Anyhow, my talk for today is paano makipag break? oh di ba swak na swak ngayong araw ng mga puso.  LOL.  Ibig ko sabhin magbreak even sa expenses.  Haha.

Naku isa eto sa mga dilemma of all time ko.  Di ko kasi magawang magbreak even paano ba naman isang source of income lang ang inaasahan namin.  May mga part time ako pero paminsan minsan lang.  Sa dami ng bayarin hindi sumasapat ang gastusin at income.  So paano talaga magbreak even?  Iniisip ko may loophole etong sitwasyon namin.  Hindi pwedeng mas malaki pa ang expenses sa income kundi super negative ang mangyayari.  In other words walang tira.  Which is unacceptable.  Paano na lang ang ipon?  Ang future kung lageng ganito mga Inay.

So dito pumapasok ang prinsipyong tipid tipid din.  Bawasan ang dapat bawasan like:

• kuryente - magtipid at bawasan ang pag gamit ng aircon
• groceries - bumili lamang ng kung ano ang kailangan.  Gumawa ng listahan
• online shopping - iwasan
• pagkain sa labas at pagmalling - iwasan din.

• credit card - kung walang pambayad, huwag gumamit. kundi mababaon ka lang.

Sa panahon ngayon mga Inay kung ang problema mo ay pera di ka nag iisa.  Kaya kailangan natin ng ibayon tipid at huwag umasa sa single income lang.  Hanggat maari tayo ay gumawa ng paraan para tayo ay mabuhay ng komportable at matiwasay.

Anong tipid tips ang maisishare nyo? 

**photo not mine

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Hello mga Inay.

I never thought that I can earn online by answering survey.  Oftentimes I am not paying attention to this nor give time for this things but when I found out that I can earn online just by answering survey I immediately jumped at the wagon and tried it out myself.  Of course I was scared at first because I am going to provide some information about myself and certain products and services which is kind of personal to me.  But then I realized that by doing some survey, it is their way of  giving consumers or people the quality services they deserve.  That made me start registering to MOBROG PH.  For those of you who don't know MOBROG Philippines - it is a site that pay individual by answering survey.  Each surveys varies and the amount or rate per survey differs as well.  You can use your laptop or cell phone when doing your survey it really depends on you plus you can do these at your own time.  They will send you an email if there are available survey that is suitable for your category.

As a full time employee, I barely have enough time to do side hustle.  Then I researched online on how to earn extra cash because as we all know commodities are rising and the salary is not enough and aside from that I wanted to earn some  cash on my extra time especially on my days off.  Then I discovered MOBROG Philippines.  This is legit   and it is worth joining on my own opinion.

If you want to get an invite please send me a message with your e-mail. Here:

Don't worry joining is free and they will not charge you anything.  And they are very generous in giving surveys.  I am just the lazy girl who forgets about answering them. LOLs.

If you are into earning some extra cash please do not hesitate to join me on MOBROG Ph.  Joining is as easy as pie and there is no rush in answering survey you can do it on your free time.  There are a lot of ways on how to earn online and answering survey is just one of them.  If you want to know more do not hesitate to contact me. I will be glad to assist you.

How about you? What are your ways in earning extra? Care to share?

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Hello mga Inay.

I happened to pass by at SSS Alimall Cubao this afternoon due to some errands.  And I asked some information regarding my previous salary loan last 2018.  Thankfully the lady was so polite and explain to me everything. 

She said, all I have to do is fill up the form and submit it to an SSS Branch near me.  The assessor will help me adjust my monthly payables in order for me to settle the full amount.

Oh well, ang hirap ng may utang.  And besides it is but my duty and obligation to settle it kasi ako naman ang gumamit nun at syempre para sa future dahil di mo alam kung kelan mo ulit kakailanganin  mag loan.

Di ko lang alam kung magkano na ang aabuting interest nun but hopefully ma adjust pa sya.

By the way mga Inay sa SSS website lang ako nag apply ng loan ko at kinlaim ko lang sya sa accounting namin nung akoy employed pa.  

Nga pala sa mas maganda kung sa internet explorer nyo sya buksan.  Dahil un ibang menu di nakikita sa Google Chrome or Firefox ewan ko kung bakit.

Kayo mga Inay meron din ba kayong unsettled SSS Loan??

 Wag po kayong mahiyang pumunta sa main branch para mahinto na yun paglaki ng interes nya.  Para rin maiwasan ang pagkakaron nyo ng problema sa future.

***Phot0 credits to the owner

I wish money grow on trees.

Hello mga Inays.  Since the year started I kept on thinking and asking myself on how to grow my income.  It is so hard because I am depending on an employment income.  Being employed here in the Philippines receives only the minimum for most people.  As a nurse I can say that my income is not decent enough that is why I am lucky that babyloves is working in a different industry which helps us survive the inflation rate.

Expenses due to bills and school fees get the huge chunk of our combined salary.  We hardly have enough money for savings and emergency.  At this stage it is very imperative to have both.

These are the things that help me meet both ends for the meantime.

Part time Private duty Nurse - I am earning 1800-2000 per 12 hours shift

Blogging - 

Rebates

Network Marketing

Affiliate marketing

Saving is a must talaga mga inay.  Sobrang paghihigpit ng sinturon ang need natin dahil sa mahal na bilihin ngayon.

Hay naku mga inays kung ano anong darna na talaga ang need para lang maging Financial Independent.

Just small steps at a time.

** Photos not mine.

Hello mga Inay.

Recently GCash launched their brand new investment program which is the ATRAM Peso Money Market Fund.  As a GCash user I was very happy because they opened their doors to this kind of investment.  I mean there are no FA who will bother you and insist on the products or the insurance that you want to avail.  They will give you a questionnaire on what type of risk appetite do you have and by reading their terms and you agreed on that you can start investing.  At napaka convenient neto mga Inay as little as Php50  pwede ka ng mag invest click click lang sa GCash app mo as long as my pera ka sa GCash.  Di ka naman obligado maghulog buwan buwan kagaya ng mga Insurance kung may extra ka lang ganun.  Pero syempre basa basa din pag may time.   Isang kilong bigas din ang Php50 mo.

GCash ATRAM will send you an email regarding some information, rules and other things that you have to know.  Availing such services doesn't guarantee that you will get rich quick by this kind of method.  Of course

Invest at your own risk.

 


***Photo credits to the owner.

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Hello mga Inay.

How's your budgeting skills?? For me I am poor at it. Or should I say wala lang talaga akong budget sa mga bagay bagay.

I am proposing that this subject should be taught in school especially on our growing up years.  Because this will be very beneficial on how are we going to set aside our income to attain our financial independence later on in our life.  Do you agree??

When I was growing up I was told to study hard, find a job and work hard.  But up until today I am working hard and nothing is happening.  I can't afford mortgages that is why I am not getting any.  I can't afford travels.  I don't even have luxury.  As I am always practical. Tiis tiis ika nga.

Money is hard to earn but easily spent.  Budgeting for me is very tedious.  Especially that we have limited income.  People suggest that I should increase my cash flow.  Our salary increase this year mind you.  But still there are a lot of expenses and I don't know how to manage them.  Every end of the month the bills just kept on piling.  Lage na lang ako hinihintay ni "billy" (bills) at "judith" (due date) sigh.

There are a lot of peso saving tips online.  But due to limited resources I just stick to what I can afford.  I have a coin bank where our loose coins go immediately and our bill bank where I put extra bill on hand.

The idea is of course ideal if you can save so much then at the end of the year you will get a hefty amount.  As of the moment we are practicing the discipline of it.  I am but wishing that our expenditures will be lower than last month in order for us to cope with our income.

I am just curious how people manage to save so much when they have little income.  Pare pareho lang naman kami kumakain ng 3 beses isang araw.  The price of their fish is no different from ours.  geez.

My sentiments exactly.



Here are our monthly expenses:

Groceries - Php4500.00
Palengke - Php 4000.00
Allowance - Php 2000.00
Tuition - Php 2000.00
Electricity - Php 3500.00
Internet - Php2000.00
Water - Php 300
Loan - Php1900.00 

**Photos not mine.

 

Hello mga Inay.


First and foremost let us talk about what is a Globe GCash Master Card and how to get a Globe Gcash MasterCard.  GCash MasterCard is a product of Globe Telecom.  It allows it users to use it as a debit card provided the client has a fund on its account.  The client may wish to use it on their online purchases or on shops and groceries that accepts MasterCard or wherever they wish it to be as long as the establishment accepts MasterCard Payment or GCash payment.  You can immediately see it because they have a sign on the cashier.

In order for you to use it you have to download Gcash App using your mobile phone here .

use my code as your referral and you will get Php20.00 instantly in your account That's 311ECD.  Have it verified.  Submit a picture with your ID.  An agent will call you for verification purposes and once you are verified you will get the KYC code via SMS and that is the time you can cash in or deposit in your GCash account.  

You can cash in or top up anywhere especially at any globe store, moneygram, western union, BPi-Gcash, Paypal to GCash, RCBC to GCash and 7-11 branches.   There are also other partners which you can find handy at your GCash App. And there is no service charge so that is a very convenient and hassle free.  So once your done with the app download and verification and you want to get the GCash MasterCard App you should visit any Globe Store near you and bring 1 valid ID and a picture you will pay a Php200 fee for the card and wait for an hour or so because they will link your MasterCard to your Gcash app so you can use the card to transact to any merchant.  And also that will serve as your E-wallet as well.  They will engrave your name on it.

You may be intrigued about the benefits of having a Globe GCash App.  Well, its features are really useful and handy like you can earn rebates whenever you pay your bills and buy loads and made purchases using your GCash App.  You may opt not to get the GCash MasterCard you can still use your GCash wallet using its Scan QR Code.  You just have to find a a merchant with QR code.  I believe most groceries and department stores are accepting GCash nowadays.

The advantage of this app is the rebates that you will get in every transaction which every Juan are eager to get, because they can save some money from it.  I am encouraging everyone to get this app because you will not loose anything instead you will get rebates or cashback from your purchases or payments.  Who wouldn't want that?

Aside from that you can also use this App to 1. Pay your bills, 2. Money Transfer, 3. Pay your flight, 4 Loading business, 5. You can also receive money if someone sends you money.  Then, if you wish to cash out you can visit any globe store or you may use your MasterCard to withdraw your money.  You will be charge Php 20 for bank withdrawals.

Do you want to have a GCash Mastercard? 

Ratings: 5 Stars

Recommendation:  Highly recommended.

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***Photo not mine.

Hello mommies,

Investing while you are young is the most important thing to do especially now a days that money and finances are very tough to handle and manage.  Everything seems to be expensive and salary is always not enough to make both ends meet.  Living in this expensive and materialistic world is not enough and saving for the future and future family is tougher.  So we have to do so many ways to earn and save.  For most of us employed, we really don't have much because we are just getting a months worth of working, and we have a lot of obligations in our life that we need to face first not minding what is important or setting it aside first because we don't have much.

There are a lot of financial literacy guru all over and all they are preaching is saving.  So the question is what are we going to save if we don't have much? And how are we going to save?  As a newbie to this saving saga, I've read and stumble so many articles, discussions, blogs and forums and I found out about this PAG IBIG MP2 program by the Philippine Government.  It helps someone save and earn for their retirement.  And the minimum worth of contribution is Php 500.00 and the maximum is up to the member,  Mind you people we cannot withdraw..  I repeat, we cannot withdraw our money for 5 years.  We can add but we can't deduct.  The money will incur interest overtime and that's how you earn.  After 5 years and you don't need the money you can extend for as long as you like.  Being an active member of MP1 is prerequisite.

The Pros:  Bigger savings bigger interest
                    No tax

The Cons:  There is no passbook/online account that you can see your status just like online   banking.
                        You have to either go to the office to pay or have it auto debit from your office
                         5 years is quite a long time. 
                         It is not loanable.


For someone who is an existing member please enlighten us.  To Pag-Ibig I hope you'll make extra effort to be transparent to your member and issue a passbook or record book after all it is our hard earned money.