Author Archives: Liza Chua

About Liza Chua

I'm a travel blogger and currently working from home as an SEO Consultant. I'm have so much passion about discovering things and writing those things in my blogs. I'm open to new learning especially if it's about saving money and how it will work for me. Follow me @womenality to connect me on Twitter and Instagram.

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 AdventureDweller.com. She mostly write about home improvements, home guides and designs, and real estate investments.

Bill Gates

The Schedules Of Successful People

This article is very worthy to share. Credits to Amy Johnson, the writer, lifehack.org and the owner of Bill Gate’s pic.
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Bill Gates

Do you want to be more successful? Many successful entrepreneurs share similar ideals and routines which play an intrinsic part in their success.

Here we look at 8 routines and beliefs successful entrepreneurs use every day.

 1. They Have A Morning Routine

Author Laura Vanderkam extensively studied the schedules of various high achievers. She found one thing that they had in common; they got up early, and almost all of them also had a morning routine.

Richard Branson is also an advocate of embracing the morning.

Getting up early has lots of benefits. You get the chance to be available and present before demands are made of you, and before you need to start working on your goals. This can improve your mood, as you feel in control of your life.

Getting up and completing your morning routine will help you to feel confident and in control, ready to handle the challenges that the day throws at you.

How To Adjust Your Schedule: Consider scheduling tasks you would normally do in the evening in the morning instead. For instance, try exercising before you go to work to help you feel revitalized and productive.

2. They Don’t Panic When Things Go Slightly Wrong

Many people start to feel stressed and anxious when things don’t go exactly to plan, but these things can happen on a daily basis. Successful people realize they cannot control everything, and anticipate mistakes.

Dealing with problems is a big part of being a successful entrepreneur. Plan for mistakes, and you will deal with them rationally and efficiently as they arise.

How To Adjust Your Schedule: Factor In time every day to help you deal with any problems that arise. Half an hour at the end of your working day is ideal, as it means you can focus on the tasks you want to complete during the day.

3. They Work When They Don’t Have To

First thing in the morning, the evenings and the weekend are all times that most people are not working. However, you could be wasting your productivity. Many successful entrepreneurs will work whenever inspiration strikes, as they know they will be more productive then than later.

If you have a great pitch for work, strike while the iron is hot and get working – even if you’re not in work.

How To Adjust Your Schedule: Plan two hours work you will do during your free time, from replying to emails to making important calls. This will help you to get ahead and stay ahead.

4. They Do Important Work First

Many people arrive at the office and start their day with the little tasks, like emailing and admin. However, our brains are sharpest earlier in the day, so this is the best time to tackle the more creative work that challenges you.

If you don’t get the opportunity to work on your chosen tasks first thing, take matters into your own hands; do the work from home, or come into work early.

How To Adjust Your Schedule: Set your schedule for the next day while you are still at work. Plan your most important tasks for first thing in the morning, and then respond to your emails before lunch to guarantee a productive day.

 5. They Keep Their Full Schedules In One Place

“It’s crucial to make sure you record all your meetings and appointments in one place instead of having them scattered throughout different calendars, notebooks, and apps,” says Alexandra Weiss, a partner at CA Creative in New York.

Instead of planning parts of your schedule on your phone, laptop, work computer and notepad, gather everything together on one device. It won’t seem intimidating – it will seem clearer and easier for you to understand. You don’t have to worry about fitting everything in, as you can see your full schedule and arrange it as you please.

How To Adjust Your Schedule: Choose the device you are most comfortable with and use the most, whether it is your smartphone or a notebook. Keep it on you all day while you are at work, so you can adjust your plans accordingly throughout the day.

 6. They Understand Teamwork

Many of the most successful companies in the world were started with teamwork; Google was founded by Larry Page and Sergey Brin, Apple was founded by Steve Jobs and Steve Wozniak, and Paypal was started by a team of five.

Being successful is rarely about being completely independent – successful people are able to work with others, able to compromise, and accept other ideas.

How To Adjust Your Schedule: If you work in a team alongside others, schedule an email chain with your co-workers. Make a note to email your co-workers at lunchtime if you do work on a project for feedback. This will help your team to feel involved, encouraging them to share their opinions and get involved.

 7. They Take Their Work Seriously

Successful entrepreneurs truly believe in their work and see value in what they do. It is difficult to work productively and become successful if you don’t believe in your work.

It is important to stay motivated and not to get side tracked by people who don’t believe in you – remember that if you believe in your work, you shouldn’t need the reassurance of others.

How To Adjust Your Schedule: At the end of your working week, set aside half an hour to review your goals and dreams, and see how you are progressing towards them. This will help you to achieve your goals, but more importantly – it will encourage you to truly believe in your goals.

 8. They Relax When They Are Done

Worrying about work while you’re not there can run you down, and actually make you less productive when you start again. Author Tim Ferris recommends writing down your working goal for tomorrow when you finish work, as this will help you to feel motivated for the next day – so you can actually switch off for now, and enjoy your evening.

How To Adjust Your Schedule: Write down three goals you want to achieve during your next working day. Write down how you will achieve them too, as this will help you to feel focussed, so you can switch off and enjoy your down time.

Original article link: http://www.lifehack.org/articles/productivity/this-what-the-schedules-successful-people-look-like.html

Long Stem of Pink Roses with Ferrero Rocher Chocolates

Creativity = Frugality on Mother’s Day

The morning of Mother’s Day last Sunday was a busy time for me. It’s because I’m preparing the flowers that I’ll give to my mother and sisters.

This is actually my first time to give them flowers and I’m just excited that I found a way to do things that can make them smile without spending a lot. Since I love doing craft projects, I always get inspiration from the Internet and one of my favorite websites is Pinterest.com. I’ve been wanting to give them flowers and chocolates and the idea of making a flower bouquet using Ferrero Rocher sounds a good idea to me. But Ferrero Rocher is one of the pricey chocolates in the market so I thought of other ways to make my present more economical and simple.

And my finish product are 4 stems of fresh pink roses and 12 pieces of Ferrero Rocher. Total is Php 400.00.

Long Stem of Pink Roses with Ferrero Rocher Chocolates

Long Stem of Pink Roses with Ferrero Rocher Chocolates for Mother’s Day

Indeed, it’s not the grandeur and price of the gift that makes it really special… it’s the effort, time and love poured on creating such presents that will make it unique and noteworthy. Seeing the smiles on their faces paid all my efforts.

Save money on your Meralco Bill

Once again, Ways to Save on Electricity

Save money on your Meralco Bill

Save money on your Meralco Bill

It doesn’t take a genius to realize that dialing down on energy consumption translates to savings on monthly bills. I only truly realized the importance of saving power I started paying bills. I noticed our bill always seem to skyrocket during summertime so lately we’ve been trying different methods on saving electricity. The most common and obvious way we’ve tried is to unplug electronics when not in use. Now unplugging is different from just pushing an off button; we’ve learned about energy vampires that consume energy even when turned off. These are usually devices like microwaves, coffee makers, and chargers that have a status light that consumes energy.

Another way managing the use of large appliances such as air conditioners, refrigerators, and washing machines. Right now, we chucked the A/C for good, but when we were using it we limited A/C temperatures to 25 degree Celsius and don’t have it turned on all day. We also avoid opening refrigerators and freezers too frequently and stock them up with water bottles when they get too empty. Another thing we try to do is clean our condensing coils and to defrost occasionally if the freezer builds up ice. When I wore a uniform we were doing laundry twice a week, now we try to do your laundry and ironing in bulk. We make sure our electronics are in good condition as well. Faulty appliances can double up the power usage.

Aside from turning off lights when not in use, we also opted to switch to compact fluorescent lamps to LED bulbs. A 5-watt LED produces the same light as a 60-watt incandescent bulb at the fraction of the cost.

Lastly, summer days shouldn’t mean barricading ourselves within the comforts of our homes. What better way to save on electricity than to go out! We’re already planning to have a picnic outdoors or go on an outdoor hiking trip with the family; and what’s summer without trotting off to the beach? I just hope I don’t forget to grab a hat and some sunscreen.

Article contributed by Patricia who also writes in coupons and discounts website – salebakamo.com

PhilHealth New Case Rates

PhilHealth New Case Rates

Call this ‘late post’ or ‘ignorance’ at some point, but it’s only today that we learned about new PhilHealth case rates that was released in 2011. It’s been a while since one of the members of the family has been hospitalized and now we are updating ourselves with the new policy. And now we know!

My nephew need to have an immediate operation due to appendicitis yesterday. He is only 5 years old. The doctor said that he’s already out of danger and the bill came just this morning. The mother, who is my sister will use her PhilHealth membership and it’s just ironic that we only came to realize that benefits come now in package. Anyways, I’m re-posting it here from PhilHealth’s website for those who are still not aware like us. Their new policy and as per their aim about having package rates is really helpful so at least members know how much will be covered, giving us the option to choose the hospital.

PhilHealth New Case Rates

PhilHealth New Case Rates

Here’s an excerpt from “New Case Rate Packages from PhilHealth

Among the medical cases and the corresponding package rates are Dengue I (P8,000.00), Dengue II (P16,000.00), Pneumonia I (P15,000.00), Pneumonia II (P32,000.00), Essential Hypertension (P9,000.00), Cerebral Infarction (CVA I, P28,000.00), Cerebro-vascular Accident with Hemorrhage (CVA II, P38,000.00), Acute Gastroenteritis (P6,000.00), Asthma (P9,000.00), Typhoid Fever (P14,000.00), and Newborn Care Package in Hospitals and Lying-in clinics (P1,750.00).

On the other hand, the surgical procedures include Radiotherapy (P3,000.00 per session), Hemodialysis (P4,000.00 per session), Maternity Care Package (MCP, P8,000.00) coupled with the Normal Spontaneous Delivery (NSD) Package in Level 1 (P8,000.00) and Levels 2-4 hospitals (P6,500.00), Caesarian Section (P19,000.00), Appendectomy (P24,000.00), Cholecystectomy (P31,000.00), Dilatation and Curettage (P11,000.00), Thyroidectomy (P31,000.00), Herniorrhaphy (P21,000.00), Mastectomy (P22,000.00), Hysterectomy (P30,000.00) and Cataract Surgery (P16,000.00).

Truly, cases like this is inevitable. Today you’re healthy and all of a sudden you don’t know what’s gonna happen. Being equipped with knowledge and of course, having health funds or cards/memberships are prerequisites to ensure that you can go through this trying time without hurting your budget and savings a lot.

I’m an individual paying my PhilHealth and now rethinking hard of getting another health card. Any suggestion or tips?

2015 Financial New Year's resolution

Financial New Year’s Resolution

One of our avid readers, Patricia has shared her financial New Year’s resolution. Reading through her notes made me ponder and re-think my goals for this year. This really makes a lot of sense! Thank you Patricia for sharing your goals to us!

2015 Financial New Year's resolution

2015 Financial New Year’s resolution

My 2014 financial goals were easily met. Considering that 2013 was a crazy year for me and my family and that I was left with zero savings at the end of the year, my goal for last year was simply “End with more on your bank account than what you started with.” Not to say I was irresponsible with my finances; but after three years of non-stop work I had wanted something more to show for it.

My first financial goal for 2015 is to invest in my health more. This doesn’t seem like a financial goal strictly speaking, but it really is. This goal includes getting all of my vaccines in check. When my boyfriend’s aunt got diagnosed with cervical cancer, one of my first thoughts was “this was preventable”; but then I remember I haven’t gotten my HPV shots as well, because I thought the price was too steep. Investing in my health will help me avoid huge expenditures on hospital bills in the future. So, yes, it is a financial investment.

My next financial resolution is quite original; it is to check banks with best high yield savings and save more. Last year I saved at least ten percent (10%) of my monthly salary. It was hard considering I was shouldering a lot of expenses, but now that my brother is finally graduating in four months and I won’t have to pay for his tuition anymore, I want to be able to save up to twenty percent (20%) this year.

I always upheld the idea of balancing life and living. I agree that we should save for retirement and for emergencies and that we should invest for our financial security in the future. But I also don’t want to overdo it. I don’t want to live under a rock for twenty years just so I can be a glammed out fifty year old. At least for now, I want to keep my New Year’s financial resolutions simple and attainable.

My Mutual Fund Notes

mutual-fund-notesI admit that the first time Mutual Fund was introduced to me three years ago, I did not do my homework.  All I know is that it’s a good investment and I’m aware that I could potentially lose the money I invested in. But even though I know the things I learned now, I would still do the same thing. I know I made the right decision and I’m just glad I did.

Before you continue reading my notes, I  recommend that you read the previous articles I wrote about Mutual Funds below. They may not be comprehensive but I believe these articles tapped important details on how you can get started on Mutual Funds.

Again, I’m no guru in this field and these are so far the things I learned that have changed my insights and open my mind about Mutual Funds.

1. Mutual Funds don’t have insurance. Unlike bank products such as savings and time deposits, mutual funds are not covered by the PDIC. It doesn’t give guaranteed return and you can even lose money along the way. However, it has much higher potential to earn than a regular savings offered by the bank. Take note – higher return means higher risk.

2. Your money doesn’t grow over night. Depending on the kind of mutual fund you choose, the money you invested in Mutual Funds should be something that you won’t need in the next five years or willing to lose. So it’s always a pre-requisite to build your emergency fund and have separate high interest earning savings account first in case of emergency.

3. Set a goal and know how to diversify.  The earning of your investment does not roll over so it it important that you set a goal and diversify to maximize the earning potential of your profit. See this post about Diversification for Beginners.

4. NAVPS. According to Investopedia,  NAVPS is the value of a single unit, or share, of a fund. This figure for a mutual fund is the price at which shares are bought and sold. Because exchange-traded and closed-end funds are listed and traded as stocks, which are subject to market forces, their NAVPS and buying/selling prices per share can be divergent.”  

Depending on your goals and buying/selling strategy, it’s always good to know the NAVPS on a daily basis to keep you updated.

5. Know the amount of risk you can tolerate. I’m very conservative when it comes to money management decision that’s why I started with Balanced Mutual Fund. I don’t want to give it all out even though those are money that I’m willing to lose. I just don’t want this financial decision rob my peaceful sleep. If you do not have such risk-taking ability, it is always better to stick to funds with low-risks involved.

If you are an expert in this field and you find something wrong in my notes, please contact me ASAP so I can immediately correct them. In case you have something to add that is worth sharing, please leave it as comments below.

What is Delayed Gratification?

The Power of Delayed Gratification

It’s just recently that I came to discover the word “delayed gratification”.  The words are now more used by financial gurus in delivering motivational speaks to individuals who want to learn more about saving and investing.

So what is a “delayed gratification”? According to Wikipedia, Delayed gratification, or deferred gratification, is the ability to resist the temptation for an immediate reward and wait for a later reward. Generally, delayed gratification is associated with resisting a smaller but more immediate reward in order to receive a larger or more enduring reward later.

In general, its meaning pertains to the many things in life. And if we associate it to achieving our financial goals, these two words are one of the powerful driving forces that we can still in our mind to discipline ourselves in saving money.  Aside from my ever battle between “wants” and “needs” each time I’m tempted to buy something, I always think of how this little money that I will indulge to a thing that can bring me temporary happiness to me will affect the longevity of happiness I could have when I already achieved my goal.

So if you are really serious about saving and getting your financial goals, think about and practice “delayed gratification”. I bet you,  this mind set will spare you from buying things that you don’t really need for now!

 

Photo credit: creativitypost.com

 

Stock Market 101: Diverification for Beginners

This video of Armand Bengco, an Executive Director in Colayco Foundation, was uploaded in February 16, 2012 in YouTube. The interview was just a portion of the program and may be old but it still holds valuable information that will guide us about the importance of diversification.

Here are some points that I quoted from Mr. Armand Bengco’s interview:

“Don’t put your eggs in one basket. When we drop that one basket, everything crumbles”

“Diversification is a way to reduce risk”

“Huwag lang sa iisang instrumento”

In investing, there are two kinds of transactions:

1. Buy – give higher returns, higher risk. Examples are:
– Real Estate
– Getting into business
– Forex Trading
– Mutual Funds
– Stock Market

2. Lend – give lower returns, lower risk. Examples are
– Bank products – banks with high yield savings rates, Time deposits, etc
– Government Securities – Bonds, Bills, Goods
– Corporate Bonds
– Insurance, Pre-need, etc

When do I know if I buy or lend? There are 4 variables.

1. Age
Age 50 above – should be on lend type of transaction
Age 49 below – should be on buy type of transaction

2. Goal

3. Economic Condition of the country that you’re investing in.

4. Experience in Investing

“Invest for a purpose, have a goal with a clear time frame”

“Absolute Amount strategy – once you meet your target, remove the greed and cash out. Invest into another instrument.”

“Enjoy the benefit.”

“It is important that you secure the gain amount.”

“Be Disciplined, decisive and determined in meeting your financial target.”

With such free information in the Internet, and I meant from experts trying to reach and educate people about how we can grow our money, it’s almost impossible that we cannot improve our lives. If you let this information pass, BIG certainty is you’ll have enormous REGRET in the future. Start working on your financial plans. Today is always the best time.

Credits to the owner and people in the video.  Thanks for sharing.