How to waive your credit card fees

Its easy to get approved with credit card application these days. There are even several credit card with the benefit of waived annual fee for the first year. If you dont want to pay the annual fee then remember to cancel credit cards before they charge you an annual fee!

Credit card annual fee ranges from 1500 pesos (HSBC RED Mastercard) and higher. Credit card fees differ from one credit card provider to another. In some cases, the annual fee is worth it. Credit card fees usually depends on the benefit, perks or how exclusive the card is. Some banks will waive the fees based on your relationship with the bank or base on how much you use the credit card.

But do you know that your credit card annual fee can be waived?

Here are some ways on how to get your annual credit card fee waived.
1. Use your reward points to waive the annual fee. If you use your credit card frequently, check if the points you earned can cover the annual fee. You can use your credit card points to pay for the annual fee.

2. Call the credit card issuer and request to waive the annual fee. It will be either good or bad.
GOOD : your request will be granted and annual fee will be waived.
BAD: your request will be denied. END OF DISCUSSION.

3. If your request got denied, do not be sad because you can still ask the agent POLITELY on alternatives or options that you can do so that your annual fee will be waived. Ask the agent nicely like: Is there anything else you can offer to retain me as a customer?
Here are some possible scenarios that can happen to your request:
– possibility 1: the agent will waive your annual fee but you need to use your card and swipe certain amount before the annual fee will be waived.
– possibility 2: the agent will waive your annual fee but you need to enroll a bill (utility bills like electricity, water, phone bills) to automatic payment to your card. This means, that your bill will be automatically charged to your credit card.
– possibility 4: the agent will waive your annual fee but instead of paying 100% of annual fee they will ask you to pay only pay 50% of it.

4. If your request got denied. You can try to call again so you can get to talk to another agent. Hopefully the new agent will be nicer and approve of your request.

5. If your request still got denied then decide if you still need that credit card and inform the bank that you are cancelling your card – NICELY! Just be ready if they decided to really cut your card and make sure that you have at least one other card to fall back on.

Ways to save money on holiday

We are already half way through 2018 but there’s still a lot of things that we anticipate!

If there’s something 2018’s got a lot of, it’s long weekends! Which is perfect for scheduling that much-awaited barkada or family trip!

You may already know that there are two long weekends coming up next month.

August 18-21, the 21st being Ninoy Aquino Day. File your leave on the 20th. to enjoy 4 days of me time!

August 25-27, 27th being National Heroes’ Day.

This is the perfect time to take a short trip away from work and relax with your favorite cup of tea!

But remember not to blow your budget while you are enjoying your vacation. Here are some ways to save money on holiday to avoid over-spending while you travel.

  1. Bring a water bottle. You can save money by bringing a water bottle when you travel and refilling it on the hotel or shops for free.
  2. Make your own mini meals. Do not skip meals just to save money. Instead of buying lunch and dinner at a restaurant, check out local shops where you can buy cheap local produce like bread, cheese and cold meats and create your own packed lunch. You’ll be surprised at how cheaply you can save money on food. Maybe you can try to pick a nice picnic spot to enjoy the local scenery. Also, you can discover more about the place by checking out the local shops, see what produce or products that they sell. This is also one way of getting off the beaten path and experience the local culture of your destination while avoiding the overpriced hotel lunch and dinners.
  3. Take advantage of a free breakfast. If there is a free breakfast buffet as part of your hotel accommodation then make sure you make the most of it. Try to visit the breakfast buffet before it closes and ask if you can get extra breads, fruits and pastries. Usually, its ok taking what is leftover which will probably just go to waste but remember to ask first. If breakfast is not included then do not spend much on overpriced hotel breakfast. Go out and find a nice local cafe, bread shop that will fill you up at just a fraction of the price.
  4. Head off the beaten track, the closer you are to the tourist hubs the more expensive things will be. Shops with higher tourist customers usually have higher price tags. Sometimes you need to head further if you want to get the best deals whether it be a restaurant, cafe or souvenir shop.
  5. Here in the Philippines, discounts are usually provided to Senior Citizen (age 60 and over) in transportation, food, hotel and Senior Citizen of Manila can even get Free Movies Pass. Students also enjoy discounts on transportation, museums and concert tickets. Available discounts may not be advertised so it’s always worth asking at the counter.
  6. The idea of budgeting on holiday may seem a drag but it if you want to save money while you are on vacation then it will really help you avoid spending money too much. Set yourself a daily amount to cover food, excursions, spontaneous shopping and tips.
  7. You can also check travel blogs like womenality to help you plan your vacation.
  8. How about you try Staycation? Staycations are basically vacations that are spent close to home where you dont have to spend so much on airline tickets and bus fares.
  9. Take advantage of technology and internet. It is easier now to discover, plan and experience the world with just a click of a button. If you are travelling abroad, you can use Klook to discover local cuisines and get discounts.


11 Signs That You Have a Bad Financial Life

11 Signs That You Have a Bad Financial Life

Sometimes, our traits and the things that we do can be the reasons why we do not a good financial life. In this post, I listed a few to help you realize why you are having a bad financial life.

11 Signs That You Have a Bad Financial Life

Here are the signs that you have A poor Financial Life:

1. You always know the latest sale events and frequently visits the Mall to check and buy the latest items on “SALE.” This kind of activity will drain your wallet quickly and that’s why you better change it now. How? Self-control and discipline plays a big role if you want to stop impulsive buying. Create a budget plan and stick with it and avoid the mall as much as you can.

2. If you are very emotional, remember to have a clear mind when deciding on your finances and to avoid making decisions when you are emotional. Often times, people makes bad financial decision because they are clouded with their emotions.
If you are feeling bad or too happy, try to have clear mind and stable emotion so you can think properly before making financial decision.

3. You have a limited source of income. If you’re somebody who only relies with one source of income then you might end up miserable in your coming years especially when you spend a lot. Having multiple streams of income means you can save more and prepare for the future.
You next source of income doesn’t need to be big. You can start by checking out small businesses that you can do on the side. For example, selling cellphone load doesn’t take that much time. You can do it even if you are employed and your co-workers, family and friends can be your market.

Your skills and talent can also be a good source income by doing freelance work during weekend or free time. Remember time is gold and how you spend your time determine your success.

4. Take responsibility for the things that is happening in your life. Be in charge of your life and do the necessary things that will improve it.

5. Knowledge is power! If you don’t have time to learn new things then you will miss one way to improve yourself and may mean lost opportunity. Developing yourself is important. Just think of it as investing to your most valuable property – YOU!

6. Know yourself! Understanding and acknowledging your weaknesses and strengths can help you determine things that you are good at and things that you need to improve on.

7. Do not be afraid to ask! Your pride prevents you to ask others for help and this can hinder your growth. If you can’t do a certain task and there is someone who can help you then ask for help. It will save you time and you will create less mistake if there is someone to guide you on it.

8. Know your priorities and the things that are important to you. You will feel lost in your journey to your financial freedom if you don’t have any plans. By having a clear plan, you can set your short term and long term goals. These goals can guide you in your success and it also helps you to do things that are not in line with your goals and waste your time.

9. Be bold, be adventurous, do not be afraid on trying out new things. You wouldn’t know if you will be successful in one endeavor if you don’t try it. Getting used to something and hiding in your comfort zone can hamper you from reaching your success. The younger you are, the bolder you should be in trying out new things because you can still correct mistakes that you make and learn from them.

10. You always compare yourself with others. Stop gauging your worth base on other’s success. Each of us are different and my definition or measurement of success will be different from yours.

11. Trying to stop or run away whenever you encounter a problem. Try facing your problem because it will not solve itself. Facing your problems can help you improve on your problem and having good, strong problem solving skills can make a huge difference not only to your career but also for your future.


Top Loyalty Cards And Rewards Programs For Filipino Families

Do you know that the small amounts of money you save on purchases can help a lot on your budgeting? Just take for example mobile phone promos. Telecom providers offer reward points every time you load up your prepaid number. The accumulated points can be redeemed for call and text promos, and free items such as electronic gadgets. Similar point system-based promos in the form of loyalty cards can save you serious money on groceries, medicines and other essentials (no, we’re not talking about the free flashlight batteries you get for buying thousands worth of items). Here are discount and loyalty cards every Filipino family must have.

Savings on groceries, clothes and toys

Savings on groceries, clothes and toys

Photo courtesy of Gratisography via Pexels

How much do you budget for your weekly groceries? A middle class family of five in Metro Manila likely spends around Php4,000 – 5,000 per week in the supermarket. Earn redeemable points every time you shop with a loyalty card that you can use to pay for future purchases. One example of a widely used grocery loyalty card is the SM Advantage card that also entitles cardholders enjoy special offers and freebies from external partners. For every Php400 you spend in SM Supermarket, SM Hypermarket, Save More and other retail partners, you earn 1 point. You can also get 1 point for every Php200 purchase made in SM Department Store, SM Cinema, Toy Kingdom, and other retailers. Moreover, you can use the SM Advantage card to earn points while you stay at Pico de Loro Beach & Country Club, Taal Vista Hotel and other hotel partners.

Loyalty card privileges on medicines and vitamins

Loyalty card privileges on medicines and vitamins

Photo courtesy of Pixabay via Pexels

Getting sick is expensive. It can easily ruin your budget, even drain your savings. Good thing the largest drugstore chain in the Philippines offers a customer loyalty card that can help you save on medicines, vitamins and medical supplies, among others. The Mercury Drug Suki Card is probably the most popular in this category. It allows you to accumulate points that you can use to pay future purchases. You can earn 1 Suki point for every Php200 receipt. Cardholders can get extra points, as much as 30 points, on featured products each month. The Suki Card also entitles you to the Suki Sabado Special where chosen items are offered at discounted prices. You can get about Php20 off on certain products.

Discounts, rebates and points on domestic remittances

Discounts, rebates and points on domestic remittances

Photo courtesy of Pixabay via Pexels

Do you regularly send money to your family in the province? You can get discounts and rebates on remittance fees with a loyalty card. The Palawan Pawnshop Suki Card – Palawan Express Pera Padala (PPS-PEPP) Suki Card allows you to earn points that can be used on future fees every time you send money. The points are equivalent to 2% of the fees collected per transaction. So if you’re paying Php50 in fees, you get 1 point or 2% of Php50.

Earn reward points on school supplies, art materials, etc.

Earn reward points on school supplies, art materials, etc.

Photo courtesy of Tim Gouw via Pexels

You probably spend around Php2,000 on school supplies before the start of classes and several hundred pesos every now and then for additional notebooks, art materials, etc. You can earn points that can be used to pay for subsequent purchases. One loyalty card you should have is the National Bookstore Laking National card. For every peso you spend on items (except certain purchases), you earn 1 point. You can start redeeming the points once you reach 1,000 points, which is equivalent to Php10 ePurse. You can then use your ePurse to pay for products and services in the store. You can get your Laking National card for Php100. Students can avail of this card for only Php60.

Discounts on school books

Discounts on school books

Photo courtesy of Pixabay via Pexels

Books are among the biggest purchases in a household with students. For college, law or medical students, reference books can rack up tens of thousands of pesos. Get big discounts on reference books, fiction and non-fiction titles, art materials and other items with a loyalty or discount card. Fully Booked, a specialty bookstore known for its vast selection of titles, including foreign bestsellers and hard-to-find classics, offers a discount card to its patrons. The Fully Booked discount card can save you 10% on cash purchases and 5% on credit card purchases on selected items. There’s a long list of exclusive promos such as the birthday discount on your birthday week, and perks from partner establishments, and discounted tickets at the Ayala Museum. You can avail of the Fully Booked discount card for Php700. You can get it for free if you’ve spent a total of Php15,000 in the store in a year or Php10,000 in a single visit.

Gas up and get free insurance and discount coupons

Gas up and get free insurance and discount coupons

Photo courtesy of Skitterphoto via Pexels


Fuel expenses can take up a huge chunk of your weekly allowance. This is one reason why many workers ditch their private cars and opt for public transport. But if you’re among those who can save more by driving, you should take note of loyalty cards and promos offered by fuel companies. The Petron Value Card allows you to accumulate redeemable points for every fuel purchase. You can earn 1 point with a value of Php1 for every Php250 spent in a Petron station. This Value Card also entitles you to a 24-hour towing and roadside trouble assistance, personal accident insurance and discounts on San Miguel Corporation products and other major establishments.

Discounts on lab tests, fuel and tuition fees

Discounts on lab tests, fuel and tuition fees

Photo courtesy of Rene Asmussen via Pexels


Business establishments are not the only ones offering amazing promos. The Pag-IBIG Loyalty Card offers discounts as much as 50% on laboratory tests in partner hospitals and clinics, dermatology clinics, optical clinics, drugstores courier services, and a long list of restaurants. This loyalty card can also be used to earn redeemable points for every purchase of Petron fuels, engine oils and gasul. The Pag-IBIG Loyalty Card, arguably the card with the widest coverage, can be used to get tuition fee discounts in selected schools You can enjoy these privileges from national and provincial partner retailers for a card fee of Php100.

Every peso you save on your purchases can make a difference on your finances. Don’t shrug off the discounts and promos you can avail. Get the most from your hard-earned money by signing up for loyalty cards.


This article was written by:

Jeanette Anzon is the writer and editor for She mostly write about home improvements, home guides and designs, and real estate investments.

LED Bulbs

LED lights can help you save money

We all know how important indoor lighting is to our daily lives. Indoor lighting is essential but most of us do not pay much attention to the costs associated with them.

Most homes here still use the traditional light bulbs which adds up to our electricity bills cost.

Aside from the upfront cost of buying a tube light or bulb, you should also take into account the cost that it will incur while using it. Most people dont know that Lighting accounts for 20% to 30% of your electrical bill.

Here are some of the brightest ways to save on lighting costs.

Turn the lights off when not in use. If you do not need it dont turn on the lights especially if you have ample natural light (sunlight).

During daytime, you dont need that much light.

Maximize the use of natural light especially during daytime. Natural light is the best source of light and will help you save on energy. Place reading tables near windows and put skylights in other working areas.

Use the right kind of lighting over desks, beds, and other work areas. Choosing the right kind of lighting can help you save money. For example you do not need to use higher wattage lighting if you are just going to read on your table or you can opt to use natural light by reading besides a window. Use low wattage light bulbs in areas that do not need strong lighting.

Keep lights clean. People usually neglect cleaning their lighting. Dirt can lessen your lighting illumination by as much as 50% and poor lighting can affect your work efficiency. If takes you longer to finish a task longer due to poor lighting then it wwould men that you will also consume more electricy thus highest electric bill.

Switch to LEDs. Replace incandescent bulbs with LED lights (Light-Emitting Diodes). Although they cost more than incandescent bulbs and compact fluorescent lamps (CFLs), you save 87% on energy costs vs. incandescent bulbs and 50% vs. CFLs. LEDs also last 5 to 10 times longer.

Akari LED bulbs

Philips LED daylight bulbs

4 Misconceptions About Money You Need To Know

4 Misconceptions About Money You Need To Know

1. Bad money habits.

No matter how big your salary is, you will never get rich if you have a bad money habits. Realizing that you have a bad money as soon as possible can make a big impact on your financial situation. Asses how you spend and save your money and if you think that your money is bleeding, plug it immediately and change for the better.
Before you buy the latest laptop in the market, think first if you NEED it or just WANT it. By prioritizing the things that you NEED, you will be spending your money wisely.
Avoid shopping just because there is a SALE and do not be an impulsive buyer especially when you are already struggling with your finances.
In other words, adjust your lifestyle according to what you’re earning. Budget your money and follow this simple formula: Salary – Savings = Spend. Prioritize saving money for the future instead of spending your income then putting your left over money to your savings.
Remember to create a budget and stick to it no matter what. Discipline plays an important role if you want to get rich. If you have any vices like smoking, drinking alcoholic beverages, or gambling then try to stop because like shopping, traveling or eating out often, these are also reason why you spend your hard earned money. Just think how much money you spend on your vices?

2. Think long-term.

Most people doesn’t think long term in their financial decisions. They usually savor the fruits of their labor and spend all their money then later on starts to borrow money because they don’t have any savings.

Are you familiar with this saying “Travel Now Pulubi Later”? There are people who love to travel but don’t have any money in their savings or emergency fund. Read our article about delayed gratification to know how it can help you.

Don’t get me wrong, there’s nothing wrong in enjoying your hard earned money, but I highly suggest that you think long term. You can still travel but make sure that you budget your money. You can try Budgeting With The Help of An Orange Envelope help you manage your money wisely.

Some of the long-term goals that you should start planning right now are:
a. Savings. This is one of the basic but most commonly disregarded by people. Everyone should start a savings account. If you need to help in choosing the best account you can read this article.
b. Emergency fund. You should save at least 3 to 6 months expenses. Just in case something happens like accident or loss of job, you can be sure that you have spare money for daily expenses, bills and to survive until you can get back to your feet.
c. Insurance which you can use if unfortunate situations happen in the future. It could be sudden death, disability, or accident.
d. Investment. Planning your retirement is also recommended so you don’t have to worry about money in your old age. That’s why you should start investing your money so that you will have more time to grow your money and use it maybe in future travel or for your retirement. Investment can also be used to secure your children’s college education in the future. Read our article about “Why You Need to Invest


3. Make a decision base on logic and not on emotions.

People can be easily be blinded by their own emotions. You should learn how to control your emotions and decide base on what’s logical and what’s best for you. Don’t decide involving your money when you’re angry, scared, or depressed. Your tendency is to become irrational or impulsive and can easily make the wrong decisions.
How many people have you seen spend their hard earned money on vices just because there are heart broken or sad? People who are emotional or under emotional stress are more likely to waste their money on vices, gambling, drinking and things that will make them feel good even to the point of emptying their bank account.


4. You’re living a lifestyle beyond your means.

Reality check, some people are show off! If you try to live a life of the rich even when you’re not then you should STOP! You do not have to pretend to be rich in front of your friends. If they leave you just because you are not rich then they are not real friends at all. Remember, money doesn’t buy real friends!

You also do not need to follow the latest fad like gadgets and fashion especially if you can’t afford it. Just be humble and live within your means and you’d likely to become rich.
There’s no doubt that money can let you have a good time but having more money doesn’t mean that you will have more fun. FUN is relative, what fun to you maybe not fun for me. Remember when you play with your friends when you were young and have fun even if you don’t have any money?

Philippines New 5 Piso coin 2017

5 Peso and 1 Peso Old BSP Coin Series

Before you start saving checking every bank around the town to know which one is the best Best Savings Account in the Philippines, you should check out the news 5 Peso and 1 Peso coin series that the Bangko Sentral ng Pilipinas (BSP) circulated last year. By now, you may have already seen these new coins or maybe you already have spend those 5 Peso coins and thought that they were 1 Peso coins since they look similar in size and color.

The new 5 Peso coin were released last December 1, 2017 to commemorate the 154th birth anniversary of the father of the Philippine Revolution – Andres BonifacioAndres Bonifacio was born on November 30, 1863 to Santiago Bonifacio and Catalina de Castro.

The portrait of Bonifacio, the Father of the Philippine Revolution, is etched on the obverse of the coin, along with the markings, “ANDRES BONIFACIO,” “5-PISO” and “REPUBLIKA NG PILIPINAS” in bold font and in microprints, and the mint mark.

The other side of the coin features the Tayabak, a Philippine endemic plant, the BSP logo, and “Bangko Sentral ng Pilipinas” in microprint.

The new P5 NGC coin is 25 millimeters in diameter and weighs approximately 7.4 grams.

The other newly designed coins will be circulated starting January 2018.

To make it easier for you to distinguish the new coins, just refer to the chart below.

New Generation Currency (NGC) Coins Comparison Chart

New Generation Currency (NGC) Coins Comparison Chart


Senior Citizen Discount

Senior Citizen Discounts

Under our law (Republic Act No. 9994 and Republic Act No. 10645), Senior citizens are granted several benefits and privileges.

This is to recognize and emphasize the important role that our senior citizens play in nation-building, and to raise and address issues concerning the sector.

Here’s a list of the discounts that our elders should enjoy:

20% Senior Citizen Discount on:

  • Medical-related privileges:
    Medicine and drug purchases
    Medical supplies, accessories and equipment
    Medical and dental services
    Professional fees of attending physician as well as Professional fees of licensed health workers providing home health care services
  • Transportation in Air and Sea and Land which includes LRT, MRT, PNR, buses, jeepneys, taxi and shuttle services.
  • Hotels, restaurants, recreational facilities, places of leisure like theaters, cinemas, concert halls, circuses, leisure and amusement
  • Recreation centers fees, charges and rental for sports facilities and equipment


Senior Citizen Social Pension:

  • Indigent senior citizens shall be entitled to a monthly stipend amounting to P500 to augment daily subsistence and other medical needs.
  • Mandatory PhilHealth coverage. All senior citizens are now covered by the national health insurance program of PhilHealth.
  • Social safety nets. The social safety assistance shall include, but not be limited to, food, medicines, and financial assistance for house repair to cushion effects of economic, disaster and calamity shocks.
  • Death benefit assistance. Assistance of a minimum of P2,000 shall be given to the nearest surviving relative who took care of the deceased senior citizen.


Other Benefits for Senior Citizens:

  • Express lanes shall be provided in all private, banking, commercial and government establishments; priority shall be given in their absence.
  • Educational privileges. Assistance shall be granted to senior citizens to pursue education through provision of scholarships, grants, financial aids, subsidies and other incentives.
  • Benefits and privileges for retirees. Continuance of the same benefits and privileges by GSIS, SSS and PAG-IBIG as enjoyed by those in active service.
  • Privileges on special discounts in special programs. In order to avail of these benefits, the senior citizen or his/her authorized representative shall present a valid and original Senior Citizens’ Identification Card. Details for ID application may be found here.


Some LGU’s (Local Goverment Units) also provides extra benefits to senior citizens so check with your local authority to find out other benefits that they may have for your beloved elderly.

For example: In Quezon City, centenarians on their 100th birthday will get Php10,000 as well as a certificate recognizing their hundredth birthday, a monthly allowance of Php1,000, a cash gift of Php1,000 on every succeeding birthday, and Php1,000 every Christmas.

In Manila, Senior citizens with OSCA cards can also watch movies for free on Mondays, Tuesdays, and Thursdays, and are invited to join occasional tours to different places in the city. Manila’s elderly will also receive Php300 every year on their birthday plus other benefits.