Category Archives: Money Saving Tips

general saving tips

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

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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

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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

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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?

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.

Ways to save money

Ways to Save Money

It’s difficult to save money but everyone wants to save and reach their financial goals. What we have below are the ways from successful persons who actually save money by doing these simple steps. All we need is discipline to save, Yes! you heard it right discipline will help you to save more, start to stop tricking yourself and start saving a lot. You can use the extra cash to funding your emergency fund, to pay your debt or to start investing in mutual funds or place it on stocks.

3 Ways to Save Money

Every Coin is Important

Ways to Save Money

Start by saving every coin you received. The story of Janeth also called the “Barya Quen” will inspire you to save your coins. From coins to tuition fee, do you know that Janeth saved a total of P45,000 in 3 months just by saving 5 pesos for her daughter’s tuition fee?

How is that possible? What’s her secret? She saved all her five and ten pesos coins she got from her sari-sari store. Yes, it’s possible with self-discipline, she’s determined to save for her daughter’s tuition and she reached her financial goal.

52-Week Money Challenge

52-Week Money Challenge

This news had been viral in social media and lot of Filipinos are inspired and start doing it. The story of Rheca Morroc also known as the “Kuripot Pinay” do the 52-week money challenged and managed to save over P60,000! So what is the 52 Week Challenge? It’s saving in pesos increments weekly. How does it work? If you decide to save 50 pesos in your first week, what you need to do is to double the money in the next week, total of P100, then by the third week, you need to triple the amount, do it incrementally, and you can be like Rheca who consistently saved and reached finish her 52 week money challenged.

P50 money saving Challenge

P50 money saving Challenge

A girl named Netizen Yona Abella make the social media her way to saved money. What’s her technique? She was able to save 846 pieces of P50 pesos in just 5 months. Yona said that she treats all her P50 bills as invisible. “For example nag bayad ka ng buong 500 pesos then ang sinukli sayo 4 na 50’s , yung 4pcs na 50’s dapat invisible sakin hindi ko siya pwedeng gastusin,” she stated on her post.

A lot of netizens have been inspired with Yona’s accomplishment, in her way of saving money.

Whether money saving challenge you will try what’s  important is for you to develop the habit of saving. Once you get the hang of it, you will surely be  successful on whatever money saving challenge you will take.

So, are you up for the challenge? Tell us what you think by leaving a comment below. If you’ll ask me when is the time to save money? Now it is!



How to Get 5% Senior Citizen Discount on Water and Electricity Bills?


We all know the basic necessities of using electricity electric fans, television, lights, refrigerator, computer, microwave. Most senior citizens allocate their time with these appliances turned on. With that being said, if you have a senior citizen at home you’re lucky because they can get a 5% discount! Yes! A Senior Citizen can get discounts on Water and Electric Bills. This post will help you to understand how it works. Make sure to read the guidelines provided below.

Remember the following:

1. The senior citizen should be the one registered in utility for your water or electric bill

senior citizen discount in meralco
2. Consumption for monthly should not exceed 100 kWh of electricity or 30 cubic meters of

senior citizen discount in water bills
3. Regardless of how many citizens in the household, discount is granted

How to avail the discount?

The senior citizen should personally register for the application or can be a representative as long as an authorization letter and a valid ID are presented from the senior citizens. Note: Annual renewal of application for the utility provider

Requirements are as follows:

a. Proof of age and citizenship
b. Proof of billing. Meter registration should be in the name of the senior citizen for a period of one year
c. Proof of residence

For more details, Click here.

back to school

Ways to Save on School Supplies

Look for Sales and Discounts

 back to school

There are a lot of promos and discounts in malls and outlets, don’t forget to take advantage of it, wait for the right time to shop. Make sure to check malls and outlet stores to save money on school supplies. If you are lucky you can also get discounts and freebies are much higher on these dates.

Don’t forget to Reuse and Recycle

This is probably one of the great ways to save money this school year. One great example is reused notebooks from last year for this year. The best way to do it is to combine unused pages to make a new one or you might want to try to use it as scratch instead.

Prepare your list and stick to it

Get a paper and pen, then write down the list of things to buy so you will be ready for shopping time. The creative way to save money is to make your kids involved by telling them that saving money is important. Ask them what they really need, and stick on the list created.