Hello mga Sunshine.

 

Sa panahon ng krisis dapat talaga mayron tayong iba pang income bukod sa ating regular employment dapat magkaron din tayo ng multiple income stream kahit maliit lang basta meron sabi nga ng mga intsik barya barya lang pero sure naman.

Sabi nga nila we should dream big.  Matagal ko ng gusto magkaron ng passive income kaya in my own little way gumagawa ako ng paraan to earn my side hustle.

Ngayon quarantine patok na patok ang online selling kasi nga bawal lumabas.

2. Apartment - isa eto sa mga goal ko para kahit paano sure na may monthly income ko.

3. Youtube - dami na ngayon youtuber dahil sa pagkainip at onti onti na silang nagkakaron ng followers and views

4. IG - nagsulputan na din ang online seller dito.

~~~~~~~~~ 💗 ~~~ 💗 ~~~ 💗 ~~~ 💗 ~~~ 💗 ~~~ 💗 ~~~~~~~~ 

 

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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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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

Hello mga Inay.

Nauuso lately ang mga online jobs at talaga naman patok na patok eto lalo sa ating mga Inay.  Imaginin nyo di nyo na kailangan lumabas ng bahay para magtrabaho.   Mababantayan nyo ang inyong mga anak araw araw at nakakagawa pa kayo ng household chores kahit paano.   At syempre pa walang nakakainip na traffic.  Ang pinaka da best dito eh wala kayong makakatrabahong asungot o supervisor na sinisipat lage ang ginagawa mo.

Eto na mga Inay subukan nyong mag apply usually mga virtual assistant at data encoder hanap nila.  Di ko lang alam pano ang kalakaran sa ganitong field kasi di ako yun office type eh.  Mas gusto ko pa din maging Nurse.

 

Online jobs ph

Upwork

fiverr

May mga ibang Nanay naman na successful sa online selling nariyang ang

Lazada

Shoppee

Carousel

Ebay

Eto pa mga information na kakailanganin nyo FILIPIKNOW

Ano po ang pinagkaka abalahan nyo? 

**Photo not mine

 

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 luvies.

In a days time my daughter will turn 7 years old.  As a mom, I wanted to give her the most unforgettable birthday experience that she will treasure for the rest of her life and surely not break the bank.  Not that we have a bank to break in the first place. LOL.

I've been thinking a lot of party ideas, location, food and suppliers that is just on the budget.  As I do these I've been spending quite a lot of time researching.  As I do these it caused me stress and disappointment.  Because in order for her birthday to be executed the way I wanted entails a hefty amount of money.  And that is something we do not have. MONEY.

I realized that there are a lot of mommies who are in the same boat as I am.  Birthday parties need not be grand.  All we need is good food and entertainment. 

I am estimating 40-50 guests kids and adults.

I computed the budget if we do it DIY style.  

Location - sa tapat ng bahay. Pag nag rent naman kami mga P2000-P3000

Food - Lutong ni Inay Menu: Spaghetti, Chicken, mini-cakes, juice. P???

Tables and chairs rental - P1200 

Baloons - P1000

Entertainment: Naku eto ang madugo P3000 just for clowns PF

Souvenirs/Prizes -P5000 

So ang total mga P18000 estimate at mega hagardo versoza pa mga tao lalo na si Inay na mamamalengke pa at magluluto. LOL.

So think.. think pa ang drama..

 Almost all fastfood in the Philippines got it covered.

I am thinking of

1. Jolibee 

2. Shakeys

3.Calle Preciosa

 They are offering birthday packages that are pretty reasonable.  I might be leading through these Fastfood.

Hello luvies.

Year 2018 is almost over.  It has been a roller coaster ride.  One thing is for sure I still did not achieve most of my goals and aspiration though I've been working my butt out.  Maybe because I was not at the proper place.  Oh well.  This year I have so must to be thankful for and next year I have so much to look forward to.  I am hopeful.

Before 2018 end I will list my GOALS for 2019.  I will  list them as I want to unlock it 1 by 1.

1. To be debt free - eto ang pinaka una kung aayusin starting now.   My finances is in jeopardy.  It's because our resources are very limited.  No matter how hard I work our income do not make ends meet.  So I don't have enough savings to do and buy what I want.  Our salary always end up with Judith (due date) and Billy (bills).  Haay buhay..
2. To increase my income - I guess in order to achieve this I have to add another source of income.  Having a full time job doesn't suffice at all.  So I need another avenue which is sales, this requires a part time only but offer so much more.  So help me God. 
3. Make a Passive income -   I will make this income a must.  Can you imagine earning money while you sleep?? Who wouldn't want that?? Almost all of us here in the Philippines work 8-12 hours a day and earning only P15,000-20,000 a month.  Can you imagine too much work too little pay?  The sad part is that if you will not work you will not be paid.  Sad life..  Now how will I make these.  There are so much avenue in this one but mind you this is not for the faint of heart.  Everything needs hard work.  If you have this one you are one of the few who unlock one of the keys to financial freedom.  Let's work hand in hand with this one.
4.  To have a BIG SAVINGS - Need not say more.  If I have big savings I will not worry that much about tomorrow.  Oh di ba?? 
5. To ATTAIN FINANCIAL FREEDOM

You might ask me.  Bakit walang travel goals??  Gustuhin ko man nga mga kapatid parang di naman attainable yun at the moment.  Kasi sa 4 na Goal na yan at sa minimum income ko kulang pa di ba?  It can wait naman.  Who knows my career in sales will give me a piece of this one.  Cross finger.  All I need for now is to believe in myself.  And take actions on my dreams.  I have to be someone.  I have to attain something in this life.  YOLO nga di ba?  You only live once.  I kept on thinking I don't want to die poor.  Because if I do it is my fault.  My parents sent me to school to be the best that I can be.  I don't want to be a disappointment.  I want to show them that I cannot  just support myself but also them.

I will unlock this 1 by 1.  I know it will not be easy.  But I know it will be so worth it.

How about you? Have you listed your goals for 2019?? Let's share thoughts.

#labadapamore

 

Hello luvies.

Today, I just want to share my experience in applying as an AIDE Professional.  As you all know, I am a former Operating Room Nurse who is now jobless.  And being jobless at this time of the year is not a good idea.  Sad life..  I am not saying that being a jobless for an entire year is a good one either. LOLS.

As a mother and a home maker it is very difficult to make all ends meet.  There are a lot of financial obligation.  In short Bills (bill) and Judith (due date) never failed to visit each month.  No matter how much hard you hide, you have no other choice but to face them.

Oh well.

So, what I did was to look for an alternative way of earning and having the job that I wanted.  Sa kakalkal ko ng Instagram account ko I came accross Ms Iya Villania's Post and Ms Isabelle Daza's, and now Ms Isabel Oli-Pratts post about how satisfied they are about the services.  Ang ginawa ko nag dm ako sa @aideapp if tumatanggap sila ng part timer and thankfully they replied.

I immediately signed up and met one of their associates last Saturday to submit the requirements and screening of applicants. Just now I paid for the membership access for P500 good for 3 months only.  They have a promo up until January I think. 

 Someone from their company will send me my login details.  All I have to do is wait.

let's cross fingers mga colleagues.  I hope to find some bookings soon.  I will keep all of you updated.

AIDE app is a newly app launched here in the Philippines I think last year to help people in need of Professionals like Doctors, Nurses, Med Tech, Physical Therapist, Caregiver right at the comfort of your home.  They also offer services such as pet grooming as well.  Mostly, these clients don't need to have a full time job they just need someone to look after someone they love that is why AIDE Professional come to help.

If you want to book for services you can download the app here.  If you want to be an AIDE Professional like me, you can download the app here.

 

#nurse

#parttimenurse

#aideapp

#aidepro

I've got the privilege to be invited by one of the Directors of USANA Philippines.  She toured me around their business center and their office. I kind of feel like a VIP because I was her only guest that day and she actually offered me to join her team.  I am so happy that someone like her status believe in my capabilities.

Honestly speaking I've never heard of USANA Products before, until she talked about it.  I was in awe about what the products can do not only on the physical well being or health per se but  someone can actually earn from it.  Can you imagine you can get a rebate or commission when you purchased their product?  Not only that, when you become a member you'll get loads of discounts.  Who wouldn't love that?  Of course, everybody.  Aside from that you can make it your own business.

Their company are offering the GOAL that I am pursuing in life. That is:

1.  Financial Freedom
2. Being my own boss
3. Time
4. Travel for free

 Grabeee... In my almost 5 years in my Nursing profession I rarely have time nor the budget to do anything I want.  I am one of those people who are leaving from paycheck to paycheck.  I am not tired of my job.  I love it dearly, as you all know people in my profession go to abroad to pursue these kind of dreams.  To earn big.  While there are some companies like USANA Philippines that are offering the same yet you get to stay here in the Philippines.

The offer is so lovely yet I am torn. Mainly because my visa will be coming out anytime soon secondly I don't know where to start in USANA.  The Director who will be my life coach and mentor will show me how.

Let's keep it positive. 

#USANA